Health and Wellness Show 08-23-25

Episode Transcript

Speaker 1 (00:33):
Good morning. Now time for the Health and Wellness Show
on one of the three point five FM and five
sixty AMWVOC and of course worldwide. Then where you go
on the iHeartRadio app, which, boy, the numbers I've seen recently,
most of you are losing on the iHeart Radio app
and we appreciate that. Don't forget to set us as
your number one presett on that app. It's totally free.
If you don't have it to download it at the

(00:53):
Apple App Store or Google Play and there it is,
take us with you wherever you go. Coming up in
the hour, we're going to talk about well the advantages
of medicare, advantage plans, maybe a few pros and maybe
a Connor tooth thrown in there with Jeff Howell from
a health market's over in Lexington. They'll be joining us
later on this half hour. We'll be talking about old

(01:15):
old remediation, air quality and more of Larry Harris, the
owner of Classic Systems, who joins us a little bit
later on in the hour here on the Health of
Wellness Show. First up joining us representing the law office
of James Nell. Is not Jim but Madeline has dropped
by this he again good one. It's good this morning.

Speaker 2 (01:32):
Good to see you.

Speaker 1 (01:32):
Been a long time.

Speaker 2 (01:33):
It has a couple of years.

Speaker 1 (01:35):
I think last time you were here with us, you
had just taken the bar.

Speaker 2 (01:39):
That's correct, Yeah, I had just taken the bar. I'm
now two years into practice.

Speaker 1 (01:43):
Oh, yes, good. So I think you must like Jim because.

Speaker 2 (01:47):
Yeah, I love it. Yes, he's a great, great person
to work for. Lots of experience, terrific guy.

Speaker 1 (01:53):
Now, it's great to have you here because you bring
a different dimension. I mean, with Jim, we talk a
lot about personal injury law, we talk about workmen's comm
but the office handles a lot of different sorts of
law exact. And so you were I guess maybe you
experienced a lot of it. But your specialty areas lie elsewhere,
is that right?

Speaker 2 (02:13):
Yeah. So one of our big areas that we do,
one of our main areas in the firm is criminal defense.
So a lot of times I am handling our criminal
defense cases, showing up to court hearings for those kinds
of things. One of the other areas that we practice
in that a lot of people don't know about is
school expulsions.

Speaker 1 (02:33):
So Jim has mentioned at a time, Yeah, I tell you.
How I know this because I was driving by. I
live near the Electionton Administration Building, District Administration building, and
I'm driving by her one day and I look up
and site that God looks familiar. Sure enough, it was
Jim in the park a lot. So I asked you
about that.

Speaker 2 (02:49):
Yeah, yep, we do. If your child is recommended for expulsion,
we can handle the expulsion hearing on behalf of the student.
I am the attorney that handles majority of those school
expulsion hearings. We practice in majority of the districts around here, actually,
and it's an area of law I never thought there
was a need for, nor I would ever be doing.

Speaker 1 (03:11):
But well, And I'm like you because until that day
when I saw him outside and ask him about what
was going on, I didn't know there was such a thing.

Speaker 2 (03:20):
Yes, yep. And it's becoming more common to have legal
counsel at the hearings themselves. There's no real law or
rules of a court and an expulsion hearing, but it
can help a lot to have somebody who knows exactly
what to expect, who knows exactly what's going to be asked.

(03:40):
When preparing for these hearings. A lot of times it's
parents first time going through it, and we're kind of
there just to lead them and assist them through the process.

Speaker 1 (03:51):
So are you actually making an argument in front of
the committee or whatever or the parents? You're just kind
of saying, hey, you know, this is where you want
to go.

Speaker 2 (03:59):
Yeah, So we are present at the hearing itself. Every
district is a little different. So say Lexington one, you're
in a conference room with just a single hearing officer.
There is an administrative from the school that's present, and
then the student and their parents attend as well. The
hearing itself is pretty informal. They just kind of want

(04:20):
to know what took place, Why are we here gathered
today talking about this student. The biggest thing that we
always emphasize in the hearings is more so who the
student is as a whole and less so what the
incident was that took place. You know, kids can be
in a district for years before getting a write up,

(04:40):
and so a lot of them have extracurriculars, they have
future plans, they have excellent grades, things that highlight who
they are more so as a person than maybe this
poor decision that they made that one time that got
them recommended, and so we're kind of there. We'd lead
the student through a line of question about the incident,

(05:02):
about their involvement, about what they like to do at school.
Outside of school, parents are given an opportunity to speak,
so we prep them for kind of what to touch on,
what to talk about, and then we also have the
opportunity to ask follow up questions to the school administrator
who's there presenting the school's case. But the interesting part
to school expulsions is there is no law. There is

(05:24):
no procedural there's no rules of evidence or anything like
that sought. Yeah, it really truly is. So every district
is a little bit different. You never really know what
to expect as far as what they are going to allow,
what they might not allow to be mentioned and talked about.
But it's definitely an area that's interesting. And now that

(05:46):
school's starting, it picks right back up, kind of a
break during the summer, but yeah, that first week of
school usually we get that first call.

Speaker 1 (05:55):
Now, I I'm guessing that the odds of beating this
or obviously a lot higher when you have, you know,
an attorney who specializes this.

Speaker 3 (06:08):
Kind of thing.

Speaker 1 (06:09):
But how successful typically are you let me put this way,
when you're represented by legal counsel, and when you're not,
I mean, have you looked at those numbers.

Speaker 2 (06:20):
I haven't looked at the numbers specifically. I will say
that when I have parents coming in to meet with
me to talk about the expulsion, I highly recommend they
have counseled there, mainly because we have been in and
out of so many of the districts that I can
typically tell them exactly what to expect. I know what
the hearing officers are going to ask, I know what
kind of information they're looking for, and so I do

(06:44):
think that just inherently, you're probably more successful with legal
counsel being present. I will say that I have never
had a student fully expelled from the school. I know
they have to go through steps to, you know, make
sure that the students are safe and they're taking the
proper steps. But just because your student is recommended for

(07:05):
expulsion doesn't always mean that they're going to be fully expelled.
And so I think it's important to have legal counsel
present to make sure that you have the best chance
of your student returning to school.

Speaker 1 (07:14):
And I'm getting gives that a lot of parents who
aren't aware of this just figuring, well, this is a
slam dunk case. You know, kids out, they don't have
a chance. Yep, you're fighting city hall.

Speaker 4 (07:23):
Yep.

Speaker 1 (07:25):
What typically is there the infractions that did you come
across these students have committed or are we talking about
violence or not?

Speaker 2 (07:34):
Necessarily? I found that there's kind of three big areas
that'll get a student recommended for expulsion. It can have
anything to do with drugs or alcohol. You know, vapes
are becoming way more popular, so they.

Speaker 1 (07:48):
Will they will expel a student for having a vape
on campus.

Speaker 2 (07:52):
They will recommend them yet, which means they have to
go through the expulsion process, which requires the hearing. You
have to go meet with a hearing off sir. Typically
there's a suspension period the student's not allowed to be
at school while the expulsion's pending. So yes, anything related
to drugs or alcohol, really, anything related to violence, as

(08:14):
you said, so getting into a fight, threatening a fight,
threatening any sort of violence, that all KITCHI yep, that'll
tend to get you written up. And then the biggest
thing that I've been seeing recently, which I guess is
a newer thing, but AI is having a really big Yeah,
it's becoming more of a player. You know, students are
trying to use AI platforms to get information for exams,

(08:39):
get information for tests, homework assignments, and so that has
been just kind of towards the end of last this
last spring semester, I started to see more and more
of those AI usage write ups as well.

Speaker 1 (08:54):
I find that interesting. I mean, the one of the
two of the things you mentioned right there, AI and
and and vaping for example. Yeah, I can see obviously
a suspension for something like that, but it almost seems
to me like, you know, expulsion is a little extreme.

Speaker 2 (09:07):
Yeah, I think that a lot of it ultimately comes
down to those are kind of the areas where they
have what they consider zero tolerance policies, and so the
school itself will make the recommendation. But again, it doesn't
necessarily mean that they want to expel your student or
that your student is going to be expelled, but they

(09:27):
have to take those protocol steps to make sure that
everyone is staying safe. The student themselves is staying safe,
and so while they might be recommended, they might not
actually be expelled. And that's why I always advise somebody
to have legal counsel who can kind of explain that
to them.

Speaker 1 (09:42):
This is good timing with a school back in session. Absolutely,
and we also have some new rules now when it
comes to cell phone usage.

Speaker 2 (09:49):
Yes, yep, I know that. I'm sure we're going to
start seeing those tickets pop up quite soon. I think
it's September first that that goes into effect.

Speaker 1 (09:57):
Is that sounds about right?

Speaker 4 (09:59):
Yeah, yep.

Speaker 2 (10:00):
So I know that Tannelelexington has started to put up
some signs and stuff letting people know of the change.
So I'm sure the officers will start writing tickets for
those soon, which we can also help with.

Speaker 1 (10:08):
Yeah right, yeah, yeah, but in the classroom they've been banned.
Oh yes, yeah, obviously, But an infraction there is not
going to necessarily a first in fractions not gonna leave
them like expulsion recommendation.

Speaker 2 (10:20):
Right, No, I don't typically see cell phone usage as
a first time offense or anything like that being recommended
for expulsion unless it's a cell phone used for kind
of the other things that we've discussed. So there's bullying,
social media posts, that kind of stuff. I can see
phone usage getting recommended. But if you you know, have

(10:42):
your cell phone out in class and your text and
a friend, I don't typically see that as as a
reason that somebody gets written up.

Speaker 1 (10:47):
Okay, fascinating, this is the news to a lot of us.

Speaker 2 (10:51):
Yeah, I know. Like I said, I never thought it
was in I never knew it was an area that
needed legal assistance, and I never thought i'd be practicing it.
But it sounds like you're saying pretty busy with very busy.
Now that school's back in session, it'll definitely pick up.

Speaker 1 (11:03):
Do you find that, based on the district that some
are maybe more more or less lenient when it comes
to actually kicking a kid out of school? Not that's
the name district names, but I mean it varies from
what's the word.

Speaker 2 (11:17):
I guess I don't know if necessarily leniency when it
comes to kicking the student out. I do think they're
Every school has a different procedure that they follow for
how they handle the hearings in the expulsion process themselves.
Some are more formal than others. There are some where
you go in front of like a board of directors
or the school board. There's other ones where you just

(11:39):
simply sit in a conference room or in an office
space with one other person. So I think as far
as what students are getting recommended for. That's pretty standard
across the board. The same zero tolerance policies are pretty
much every district. Your drugs, your alcohol, you're bullying, that's
stuff that's going to get you recommended no matter what
district you're in. I would just say that the procedure

(12:02):
itself is definitely going to be a little bit different.
And then typically I find that hearing officers don't really
you know, they don't want to expel students.

Speaker 1 (12:13):
I was going to ask you that, Yeah, I would
think that would be the case.

Speaker 2 (12:16):
No, they really don't. I mean, a full expulsion on
a record can really set a student back, and so
that's not their goal. They really do try to work
with a student and families to kind of figure out
the best option for the child to move forward. And
I find that that's pretty much standard across the board
in all districts that the goal is just to keep
the kid in school.

Speaker 1 (12:34):
So you also do a lot of criminal defense work. Yes, now,
so you're again two years after passing the bar. Yeah,
that's pretty heavy stuff, it is.

Speaker 2 (12:44):
Yeah. So when I went to law school, I fell
in love with criminal law and I kind of towards
the end of my life.

Speaker 1 (12:51):
Why I going to ask you.

Speaker 2 (12:53):
Yeah, I think it's just to me, it's really interesting,
and I think it's stuff that you know, we deal
with on a day to day basis, and you're dealing
with real people. I always think, if like I had
a family member or somebody charged with something, you know,
that's a very personal thing. It's something that can happen
to anybody. And so I think instead of you know,

(13:13):
filling out paperwork and sitting at a computer all day,
you're kind of like in it. You're dealing with people,
You're dealing with what they're going through in their lives,
and I think there's a lot of personal connection. So
that is kind of why I was always really interested
in it. But yeah, in the past two years, I
mean we kind of just jumped into it, and so

(13:33):
I've had great exposure. I've dealt with all kinds of cases,
you know. I just yesterday somebody mentioned in our office
we go from you know, traffic ticket all the way
to murder. So we handle it all and every day
is different, which I think, you know, is what keeps
you coming back. You never know what to expect.

Speaker 1 (13:53):
We talk about criminal defense, and yeah, our minds obviously
go to you know, murderers and rapists and that sort
of thing. But I meant a lot of it. Like
you said, it's a traffic ticket, it's a dui, which
is certainly laughing matter. That's a serious that's a serious offense.
But I mean that can run the gama.

Speaker 2 (14:08):
I don't know absolutely, Yeah, I mean we have you know,
traffic tickets come in frequently. We handle a lot, a
lot of dui defense and so you know, yeah, you
do think of those really violent felony charges when you
think of criminal defense. But I mean we're in court
some days for a six point speeding ticket, so we
handle it all.

Speaker 1 (14:29):
But I guess as somebody who's doesn't have many points
left on their license, I mean you think about hiring
an attorney to defend you in a traffic case. I mean, yeah,
it's got to be a pretty serious You're on the
bridge of losing your license or something and stuff is happening, right.

Speaker 2 (14:43):
Yeah, that's pretty standard. And typically when you have some
sort of legal representative, we can show up and talk
to the officer whoever is there to deal with the
ticket and work out some sort of resolution. If the
goal is to keep the license or something like that.
We like to know that prior to because then when
we go into the conversation, we can say, you know,

(15:04):
this is the reason that they're asking for this. Can
you work with us? And kind of the same thing.
You know, I find a lot of times officers, you know,
as long as they have some sort of way of
making sure this person's learning their lesson, if it's a
speeding ticket or something like that, and they feel like
they've learned something from it, they feel like they're comfortable
that they're not going to do it again, they're willing

(15:26):
to work with us.

Speaker 1 (15:26):
That reminds me, and I hope he doesn't mind me
telling the story. But my youngest son, what he had
had his license not a week and over in Lexington
at a place where you weren't allowed to to turn
right on something or whatever. And yeah, this is a
kid who's been he's had his license for dates. Yes, well,

(15:49):
he did something he wasn't supposed to do, got pulled over.
And this is a kid who has never done anything
wrong with his life, right, and he's freaking out, and uh,
the officer writes him a ticket and he comes home
and he's all apologetic. All upset, I get a call
from the officers. Listen, I understand your son just started driving.

(16:12):
I just wanted to make an impression on him. Y'all
come down, bring the ticket down.

Speaker 2 (16:16):
Well, yeah, yes, they usually are, like I said, you know,
they want to make sure everyone's kind of learning their lesson.
They're keeping the road safe. But for the most part,
they also understand that, you know, insurance is expensive, tickets
are expensive, and so they usually try to work with people.

Speaker 1 (16:32):
Mal. It's great to see you again.

Speaker 4 (16:33):
Yeah you too.

Speaker 2 (16:34):
Thanks for having us.

Speaker 1 (16:35):
Make such a No, don't mean two more years where
you Yeah, I.

Speaker 2 (16:38):
Know, I know, I know. We'll make it more of
a more frequent thing.

Speaker 1 (16:41):
All right, good to see Madeline. The law officer James
Snell on online. I know it's a It's Snell Law
dot com with three l's.

Speaker 2 (16:48):
Yep, three l's and our number is eight oh three
three five nine three three zero one.

Speaker 1 (16:53):
All right, Mal, have a great weekend.

Speaker 2 (16:54):
Thank you too.

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Speaker 1 (19:05):
Hey, we appreciate you joining us this morning. We're not
done quite yet, though, because Larry Harris, the proprietor of
Classic Systems, is in the house. Larry, good morning to you, sir.

Speaker 4 (19:13):
Good morning here, blessing to be here.

Speaker 1 (19:15):
Good to have you as always, my friend. I'm just
curious after all this rain we've been having around here,
so folks may starting to discover a few things that
maybe didn't know about their home or their business.

Speaker 3 (19:27):
Absolutely, airborne mole is a common problem, and the more
relative humidity you have, the faster mold can grow. The
relative humility at sixty percent or higher will cause more
growth inside an environment.

Speaker 1 (19:43):
And your estimation. You've been doing this for a long
long time.

Speaker 3 (19:45):
Now, Yes, I have since nineteen ninety two.

Speaker 1 (19:48):
Out of every ten homes you go into, how many
do you find that have excessive humidity level?

Speaker 4 (19:56):
Yeah?

Speaker 1 (19:59):
Are there certain areas of the state or of even
the midlands.

Speaker 3 (20:03):
It really doesn't make any difference because you can be
in the north or or anywhere in the country and
you got sixteen percent moist in a surface, you're going
to have mole growth or sixty percent relative humidity, And
it depends on how that is coming about. It could
be from water leaks and roof or plumbing. Anytime you

(20:24):
have water intrusion, you have the possibility of mold growth.

Speaker 1 (20:29):
So I'm sorry. So you could go into a to
a home after all this rain here, for example, and
find that maybe the humidity level is elevated opposed to
what it would have been, you know before the last
week and a half or so two weeks. I guess
of all this just because maybe there is some sort
of a water intrusion that didn't exist without all the rain.

Speaker 3 (20:51):
I guess it's always possible. The thing that you have
to understand that when you google a lot about remediation
of mold, the EPA actually says use Clorox, and that's
the worst thing in the world.

Speaker 1 (21:04):
To the EPA is telling you to do the worst
thing in the world.

Speaker 4 (21:07):
Yeah, Clarox.

Speaker 3 (21:09):
And so the reason for that Clorox has a chemical
in it called sodium hypochloride that is four percent and
ninety six percent of clorox or bleach is water. So
all bleach does it removes the color and is feeding
ninety six percent moisture to the area. So the color

(21:30):
will go away, but it's going to come back with
a vengeance. So you never use clorox.

Speaker 1 (21:34):
Huh. And this is the EPA say to do that.

Speaker 3 (21:37):
That was a statement several years ago. I don't know
if it's still active or not. But the thing that
people will concerned me about is using these big box
stores products that says mole cleaner. Well, if it was
truly a professional product that would clean mole, the people

(21:58):
using it don't know anything about PPE, which is personal
protection equipment, and it could cause rashes or problems with
their health and that's why the homeowner cannot buy a
professional mole or mediation product.

Speaker 1 (22:13):
Well, that was my next question. As a non professional,
can you get your hands on these The answer is.

Speaker 4 (22:18):
No, no, you cannot.

Speaker 1 (22:20):
So you have to be licensed in some way shape
or have.

Speaker 3 (22:22):
To be certified to be by the products which I use.
I use a professional product that has ten percent hydrogen peroxide,
and so the products we use will eradicate mold.

Speaker 1 (22:34):
So these are products are obviously not dangerous to the homeowner,
but it could be dangerous to the person applying them
if they don't the right way.

Speaker 3 (22:40):
Proxide and see, you can go to any store and
buy three percent HydroD in perroxide, but it's not strong
enough to kill mole, so you have to know what
you're doing.

Speaker 1 (22:50):
We were talking about this last week on the Morning Show.
There is a report out now that says that this
year east of the Rockies we are seeing record breaking
humidity levels. Absolutely, north, south, doesn't matter, anywhere. East of
the Rockies are seeing higher humidity levels this year than
any other time in the past. And the humidity has
been on the rise apparently for the last decade or so.

(23:14):
So just based on that information, I'm gonna guess we're
going to see a lot more places that are having
issues with with mold. Sports that could spread.

Speaker 4 (23:22):
Could possibly happen here.

Speaker 3 (23:23):
And the only way you're ever gonna know if you've
got airborne mole is to do air testing. And if
I can do air testing in the morning, as I
did in Saluta for this family, I had the lab
report back that afternoon, so I can if I do
it air testing in the morning, I can get the
lab report back the same day.

Speaker 1 (23:46):
When you do this, and you do it a lot,
how often are you finding there's something on that report
that says something needs to be done.

Speaker 3 (23:53):
I'd say ninety nine percent of all air tests that
I do. That's gonna be elevated mole.

Speaker 1 (24:00):
As a homeowner, absolutely, if you have not had a
test done and you're concerned that maybe you do have
a mold issue or there are the ways of knowing
before you get a professional like yourself out.

Speaker 3 (24:11):
There, well you can you can. I've got a meter
that will tell me the relative humidity and temperature in
an environment, so if it if it's high, then that's
an indication it could be airborne. Model or sixteen percent
most in a surface like a wall of floor ceiling.

Speaker 1 (24:29):
No never mind. A couple of years ago gave me
a little a little app that I don't know how well
it worked. I don't even know what I did with
it now, I don't guess, but it's a little app.
But it was some sensors, some small sensors. You can
hang them in different places around the house. In using
the app, it would measure plan to measure the relative humidity.

Speaker 3 (24:46):
Yeah, she can buy there. So the big monk stores
have those relative meteors.

Speaker 1 (24:51):
Had we removed? I don't know what I did with them, Yeah,
but it was and I knew at the home we
were living end of the time, because we were we're
right near a creek, and it was always it was
one of those houses where you could put something on
the back deck that claimed to never rust and give
it less than six months and it had rusted. I
we knew a lot of humidity in that area. And

(25:12):
I remember putting one in the crawl space right and
the first time I checked that humanity love, oh my goodness.

Speaker 3 (25:20):
And see when you've got a crawl space. The thing
that amazed me is years ago, probably forty to fifty
years ago, when people put vapor barriers down, they'd put black.
I've always used white polly, and I used ten mil,
and I would stake it down because white polly will
illuminate the crawl space and it's better to visually see

(25:41):
everything in the crawl space than a dark color. And
then the clear polly is not good because when the
sunlight gets through that, it can cause vegetation to grow
underneath that polly.

Speaker 1 (25:53):
Okay, typically don't think of sunlight at a cross space being
a big problem. But you got the vents and everything else.

Speaker 3 (25:59):
I mean, there's been so many properties that we have
actually remediated mold and crawl spaces. And then because of
the relative humidity and the moisture on the duckwork dripping
moisture on the floor, we would actually put in a
dehumidifier in the crawl space that have to have the

(26:20):
filter change anally, but it'll eradicate all that moisture and
stop the weeping moisture from duck work.

Speaker 1 (26:27):
Now, in this case, we're not talking about your typical
run on the mill dehumidifier you might you know.

Speaker 3 (26:32):
Now this is a professional one. Well, actually it has
a drain tube that comes off of it and goes
out of the crawl space to evacuate the moisture out
of the crawl space.

Speaker 1 (26:43):
Okay, so you're not going to Amazon and buying one
of them.

Speaker 4 (26:47):
And you don't have to empty a pan, right.

Speaker 1 (26:50):
Well, for folks who do put you know, you know,
off the shelf dehumidifiers inside their home. How effective are those, Larry.

Speaker 3 (26:56):
Well, they're pretty effective, but you know there's constant changeing
of the pan to eradicate the morsture out of that pan.

Speaker 1 (27:03):
So they do work, but you're not solving the problem.

Speaker 3 (27:09):
Well, no, you gotta you gotta find the source of
the morsture or the relative humidity and stop that.

Speaker 1 (27:15):
It's just like a roof leak.

Speaker 3 (27:17):
We're a certified infrared thermographer, which with an infrared camera
that shows me moisture coming through a ceiling and I
can trace it with infrared camera to locate the source.

Speaker 1 (27:27):
Of the morsture. That's the problem with the leaks and such.
You may see a leak here, right, but that's not
necessarily where the leaks originating.

Speaker 3 (27:35):
Exactly, because if you've got a slope roof, the leak
could be anywhere and falling with gravity, it can come
down to a different area, and I had that at
my beach home in surf Sight, we had a we
had a boot on the top of the roof that
was old and had brought it out the usual suspect.

Speaker 4 (27:54):
That's why we had some leaks.

Speaker 1 (27:58):
So you're you're you're going out. And again, as you mentioned,
if you go out to a home or a business
of the morning performance tests, you can typically get that
report back by later on that day.

Speaker 4 (28:10):
Yeah, in the afternoon.

Speaker 3 (28:11):
I'll have that report back before the end of the
day and I can not only call the client, but
also email the lab report to the client, so they've
got proof of what the air tests were.

Speaker 1 (28:22):
Okay, what happens next, Well.

Speaker 4 (28:24):
The next thing.

Speaker 3 (28:25):
For example, in this one client, they decided to get
the pure Are fifty because it'll do three hundred and
twenty five square feet and as low as the mold
spores were, it still is a little elevated. Even if
fifty spores in that area, that's not extremely high, but
it can cause reaction to clients that are allergic to

(28:49):
these specific mold spores. So the little pure Are fifty
is an excellent little purefire to clean the air.

Speaker 1 (28:56):
So in this case, it just requires putting in one
of the pure air systems. Right. Other cases, though, it's
going to require some something more than just that.

Speaker 3 (29:06):
Right, we do have a product that we use and
we put it in a cold air mister, and we've
done this with a lot of universities that won't fog
the area with this antimicrobial do not only remove bacteria
and microbial and mold spores, so it's very effective in fogging.
The fog is like a fog you drive a car through.

(29:26):
It doesn't saturate your windshield. And this doesn't make areas wet.
It's a fog that penetrates the whole area. And seeing
wood surfaces, wood is porous, and see people don't realize
that if there's mold growing on wood, there's the roots
of the mold that's in the pores and that's called haifi.
So we have to eradicate all that out of the

(29:48):
pores so it won't come back.

Speaker 1 (29:51):
But at some point, I mean you still you have
to attack the source of it where it's coming from. Right,
I mean just this, you know, revolving.

Speaker 4 (30:00):
Again in a cross space.

Speaker 3 (30:01):
It could be relative humidity, or it could be the
duckwork that is weeping moisture, and we run into that
quite often. It's not a common problem, but we do
run into it, and so a lot of times the
HVAC company can correct that because the speed of air
coming through that duckwork with relative humidity will call the
cause of weeping.

Speaker 1 (30:22):
So, if you're going to have a mold issue inside
a home, or are you telling us that, chances are
pretty good that's originating in the cross space.

Speaker 4 (30:29):
It could be gear in.

Speaker 3 (30:30):
See years ago, when they built a home, contractors built
a home, the electricians and plumbers would drill holes through
the subflooring or the joists, and they don't insulate those holes.
So that's an open breach in the integrity of the
inside of the home.

Speaker 1 (30:48):
Right, But it sounds like a lot of this've been
coming in through your events. So your duckt will.

Speaker 3 (30:52):
Well, it could come through anywhere that has a breach
in the interegative of the seal of the home. And
another thing, if you've got a pretty good breach, you
can have mice the opinion.

Speaker 1 (31:02):
And there's that. Yeah, I recall it a home we
owned years ago. I discovered because I'm not sure I
ever told my wife this. I hope she's not listening
right now. But walked into the master bathroom one day
and crawled up in the in the corner was a snake. Wow. Yeah,
And after dispatching of said snake, I started to, uh,

(31:24):
how did he get in here? Opened up one of
the cabinets. This was a home we actually had built
years ago, and discovered that where the the plumbing fixtures
came in for the sink, the hole they caught was
a lot bigger than the than the pipe itself. Yeah,
so that was a noble Okay, that's that's how he
got here. And they make stuff at Goose stuff it

(31:45):
fills it up. My next stop was to the big
box store to grab that in a hurry. Absolutely, I
don't think I ever mentioned that. I hope she's not listening.

Speaker 4 (31:52):
But that was a couple of hourses ago, so no
worries years gone back.

Speaker 1 (31:57):
Yeah, exactly. That's not what you want to do, is
walking to your It was he a snake in the corner?

Speaker 4 (32:01):
Absolutely not.

Speaker 1 (32:03):
But interestingly enough, though, on the flip side of this,
the other thing that's happened years ago was we started
sealing up houses a lot tighter than they were before,
which leads to another problem.

Speaker 4 (32:16):
That's exactly right.

Speaker 3 (32:17):
That was back in the seventies when the president told
every homeowner to put insulated glasst On winders up, make
sure your home was air tight so you're not losing
energy during the Old crisis. Yeah, and so when we
did that, we made our homes so air tight it
couldn't breathe. And so that could cause a lot of
problems too, because if you get the relative humidity too low,

(32:41):
below forty percent, you can have sinus problems because it'll
dry it out. Yeah, so that's a there's a downside
to that also.

Speaker 1 (32:49):
Got to find that perfect balance, don't you.

Speaker 3 (32:51):
Yeah, that's why the air pure fires are so effective
because it duplicates fresh air mountain fresh air. You know
a little bit of ozone, a little bit of ultra
violet light that creates a prism of hydrogen peroxide. Also
the negative and positive ionization that goes through every wall
in your home six thousand negative ions per cubic centimeters

(33:14):
four thousand positive. We put negative impositive charges on particles
in the air. It makes all of them clump together,
get heavy, settle out of the air, so you're not
breathing it. And according to doctor Larry Arland at Wright
State University. The average adult takes twenty three thousand breasts
every twenty four hours, and we ingest into our lungs

(33:35):
thirty two pounds of dirty polluted.

Speaker 1 (33:37):
Air thirty two pounds worth.

Speaker 4 (33:39):
Thirty two pounds every day, every day.

Speaker 1 (33:41):
Oh okay, you may not be thinking you need something
like this, but I could you go. You'll you'll see
it different, You'll feel a difference amen the moment you
put it in a home. So it comes in a
variety of sizes depending on your knees.

Speaker 3 (33:53):
Right, the Pure air three thousand, it does up to
three thousand square feet. The Pure fifteen hundred that you
and your family got does fifteen hundred square feet, than
the Pure fifty does three hundred and twenty five square feet.
We have a lot of dorm rooms that buy those
to go into the dorm room.

Speaker 1 (34:11):
And you might want to send your kid off to
school with one of those yourself. And it makes it well,
it goes right in the water outlet.

Speaker 7 (34:16):
Yeah.

Speaker 3 (34:16):
But the little peerire of fifty makes a wonderful gift.
We had one client that had a business and he
bought one for all of his employees. So that was
a blessing.

Speaker 1 (34:25):
There you go, keep them on the job, keep out
of that, you are right, hey, Larry Harris, Classic Systems.
So folks want to get some more information, my friend?
What do they need to do?

Speaker 3 (34:33):
Phone numbers aight oh three six two six two seven
four eight aight oh three six two six two seven
four eight. Website is try fresh air now dot com.

Speaker 1 (34:45):
All right, goodness, see you, my friend.

Speaker 4 (34:46):
Thank you, Gary, have a blessed day you as well.

Speaker 6 (34:48):
The hunt for quality insurance is more important than ever,
and with Jeff Howell and the team at Health Markets
and Lexington, finding that perfect plan is easier than ever,
whether health or medicare insurance, let the experts guy toward
ease of mind at a healthier future. And who couldn't
use that nowadays? Jeff Howell in Health.

Speaker 1 (35:05):
Markets do all the grunt work for you.

Speaker 6 (35:07):
They make the calls, compare the plans and prices, and
find you the insurance plan that fits your needs. Best
of all, their help is at no cost to you.
They work with nationally recognized insurance companies to give you
the affordable insurance you're looking for. So, whether you're self
employed or in a small business, an individual or seeking
a family plan. They have you covered literally from head

(35:30):
to toe. Called Jeff Howell in Health markets at eight
o three six seven eight eight one two one, or
visit Jeffhowell dot com that's eight oh three six seven
eight eight one two one or Jeff Howle dot com
and let them find the right insurance for you.

Speaker 4 (35:49):
Good morning.

Speaker 3 (35:50):
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 sam well one sample inside,
one sample outside. If we do it in the morning,
we'll have the lab report that afternoon and then we
can discuss with you what protocols you need to take

(36:11):
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

(36:32):
have any airborne issues in your home. This is Larry
Harris with Classic Systems. Eight three six two six two
seven four eight eight three six two six two seven four.

Speaker 8 (36:43):
Eight Jeff how Health Markets is our resident expert on

(37:05):
all things when it comes to health insurance.

Speaker 7 (37:06):
Jeff, good morning, sir, Good morning Gary.

Speaker 1 (37:09):
We uh want to talk about and being somebody who
just by if I got my red and blue car
in the mail the other day, Jeff. For Medicare is
mind goes an effect come June. But for me, I'm
still working in on my employee plan, so I'm just
taking the Part A for now. But you know, when
you get to the rest of the parts, when you

(37:32):
don't have that group coverage through your employer and you've
hit the age of sixty five, then you know the
Part A you get. Then oh my goodness, if you
go to the regular route, you got what parts c's
and d's and g's and all sorts of parts, and
then you have, well the other option, which is to
go with Medicare advantage plans. And you know, even for
some folks who are on Medicare right now, I guess

(37:53):
there's still a bit of confusion about what the differences
are and maybe what's right or what's not right for them.

Speaker 4 (38:00):
That's true.

Speaker 7 (38:00):
I mean, even if someone's been on Medicare for ten, fifteen,
twenty years, every year. They know that an open rollment's
coming up around the corner between October fifteenth and December seventh,
when they can make changes. You know, we're thinking, they're thinking, well,
I can't make a change now there is a plan
I'm currently on right for me, and looking to the future,
you know, what does the future hold? For example, if

(38:23):
they're on a Medicare supplement plan, they know that every
year they get older that Medicare supplement is going to
go up in price. We've been blessed, you know really
since the inception of the prescription drug card program in
two thousand and six, is that the premiums of the
drug cards have been fairly low, depend upon which drug
card you select. But in twenty twenty five, with some

(38:46):
of the COVID laws going into effect, and the good
news for seniors is that they won't pay any more
in two thousand dollars and co pays at the pharmacies,
for example, when they go to you know, my pharmacy,
an optical or Riley's Drugs or cv ASK wherever they go.
When they're paying their co paids of the counter, they'll
pay no more than two thousand dollars, which that's a
law that's going to help with the counter that's.

Speaker 1 (39:07):
Great, annual cap, right.

Speaker 7 (39:10):
Yeah, an annual cap, yes, sir, absolutely, and that's the
first time that we've had something like that. But what
we worry about as insurance agent is that what is
that going to do to drug card premiums? Because if
the insurance companies are taking on a lot of that
overage over the two thousand dollars in costs, then that
will probably be passed down the consumer as far as

(39:33):
monthly premium.

Speaker 1 (39:34):
So this is not a case where the government bio
taxpayers is picking up the rest of the tab. This
is a cost that the pharmaceutical company is going to
have to eat.

Speaker 7 (39:44):
Right, More specifically, the insurance companies. Okay, so interesting enough,
the pharmaceutical companies, we're not giving a very large percentage
of the liability over that two thousand dollars in costs.
The insurance companies were given to bar of that percentage.
So of course it's the insurance companies that bill you

(40:05):
every month for the monthly premium to have the drug card.
And then of course I only say, well why do
I need a drug card? Well, part of that initial
law in two thousand and six, for the prescription drugs
is that you do not have a prescription drug card
or credible coverage through your employer like you would have.
But if you do not have a prescription drug card,
you will be penalized. So everyone has a prescription drug

(40:29):
card now, and it's really not that big a deal.
I mean, we have prescription drug cards out there. They
are fifty cents a month, So having a drug card
is really you know, it is not that burdensome premium
wise right now for most people. There are some people
who take more expensive drugs who need a higher price
a prescription drug card, and their drug card might be

(40:49):
over one hundred dollars a month. Now, say, however, in
twenty twenty five, that one hundred dollars a month plus
premium could be the norm, not the exception. So you're saying, okay,
so now if you're say seventy years old, and you've
been on a Medicare supplement since you were sixty five,
and you've been on a drug card, and maybe you're

(41:10):
paying one hundred and ninety dollars for your supplement, now
you're paying fifty cents for your drug card. Now, if
your drug card goes up to how to throughout an
easy number for math, one hundred dollars a month. Now
you've got from one to ninety and fifty cents to
two hundred and ninety dollars a month. Right, that may
make a lot of people look a little more closely.

(41:31):
Medicare advantage come this open enrollment season in October, so
it's good to start preparing and start realizing. You know,
what is Medicare advantage and is that an option for
someone who's currently on a Medicare supplement and drug card?

Speaker 1 (41:47):
Right? Right, and again you're talking about seventy seventy two
seventy five years old. You're more than likely on a
fixed income, and you know they're comeing to one hundred
bucks a month that you weren't expecting.

Speaker 7 (41:57):
That's correct, that's correct, and so and that's pushed a
lot of people to Medicare advantage. And you know, there's
a lot of fear about Medicare advantage because when it
first came out in two thousand and six, most of
the Medicare advantage plans were HMOs, and no one likes
a HMO because an HMO means you have to go
to this particular doctor and if you have to go

(42:19):
to a specialist. You need to referral from that doctor
to go to this particular specialist, to go to this
particular hospital. It's very restrictive. However, Medicare advantage plans that
I sell are all PPOs, meaning you can go anywhere
that takes Medicare. It does have a network, and so
you definitely get lower costs when you go in network.
For example, if you've got a Blue Cross Medicare Advantage PPO,

(42:43):
every hospital in the state the networks. You can go
to Lexington, you can go to Prismo, you can go
to musc and Charleston. You know, you can go where
you want to, and you can even go out of state.
So if they're in network, you'll get the same low
costs in Colorado that you get at Lexa Medical Center.
If they're out of network, still go to that doctor
in Colorado who you just might pay a higher copay.

(43:06):
So you know, a lot of the fears about HMOs
and Medicare advantage, you know I can allay or put
those fears to rest when I meet with people and
talk to them about Medicare advantage and see if it's
the right thing for them.

Speaker 1 (43:22):
And I guess I think you've told us before, Jeff,
that in the last couple of years, the number of
people on these advantage plans is now more than those
who are on supplements, or right at about the same number.
Is that right as a percentage.

Speaker 7 (43:37):
That's correct, that's correct. You know, in twenty twenty two
to the last year, we have data from more seniors
purchased Medicare advantage plans than Medicare supplement plans. So Medicare's
sepplons had always been on top, you know, until twenty two,
and I'm and I can say with confidence that twenty
three will be even more so when that data comes

(44:00):
out that Medicare advantage more Medicare advantage plans were sold
to Medicare supplements. And a lot of reasons for that
is that Medicare advantage plans have zero premium, right. And
the second reason is they provide extra benefits like three
thousand dollars in dental benefits, some vision benefits, pre pair
of glasses, hearing, a discount, some gym memberships, flex cards

(44:23):
that's the carding take to a grocery store CBS and
get food and over the counter like vitamins or toothpaste,
things like that, So they provide a lot of value. Now,
of course, with anything in life, there is a give
and a take, right, Well, okay, zero premium, you get
all this extra stuff.

Speaker 1 (44:43):
Well, pardon the cynic in me, but you know when
I first and I guess maybe one of the big
reasons for the boom in these is that, I mean,
let's face it, insurance companies have been advertising the heck
out of these for a while. Now, you know, I
mean you you can't spit without hitting one of those ads.
But yeah, I mean the sending to me says, hmm,

(45:06):
I don't pay anything, I get all this stuff. What's
the catch?

Speaker 7 (45:10):
Yes, And so the catches is that there's higher risk. So,
for example, if you're on a standard or let'd say
the most popular Medicare supplement plan, now the plan G
where your only risk health wise is the part be deductible,
which just two hundred and forty dollars. So if someone
turned sixty five in June and I write them a
Plan G for June first, the first time they go

(45:32):
to a doctor or urgent care or emergency room, or
the first time they receive medical treatment after June one,
they'll be billed that two hundred and forty dollars, then
they're done for the year. They're one hundred percent covered.
That person has been a coma all summer, wake up
on Labor Day, and they owe nothing right because they
already pay that two hundred four dollars deductible, so their
risk is very low. Whereas on the Medicare advantage plans,

(45:55):
you know, the maximount of pockets could be anywhere from
five thousand to eleven thousand dollars, depend upon what plan
you choose. Now I will say that that's not a deductible.
You just pay small copays along the way, and if
those cops ever added up to that five thousand, then
you would be died at the five thousand if that's

(46:15):
your max out of pocket on that particular plan. So
sometimes people get confused, They're like, I don't want to
pay the first five thousand.

Speaker 1 (46:22):
You wouldn't.

Speaker 7 (46:23):
So like on most of the Medicare advantge plans, you
go to your primary doctor, who pay a zero or
ten dollars cope. You go a specialist you'll pay a
fifteen or thirty five dollars cope, so you have small cope.
MRI is one hundred and fifty night in the hospital,
three hundred peat of dollars a night the first five nights.
Things like that. They're very delineated on the copas that

(46:43):
you pay. But if you had a very bad year,
but certainly that risk is out there. But the Medicare
advantage studies showed that less than one percent of people
on Medicare advantage plans hit their MAXI amount of pocket.
So you have to have a really bad year to
hit your max out of pocket on those plans.

Speaker 1 (46:59):
Well, the ironic thing about this, Jeff, seems to me
that all right, so folks who could most afford to
take the risk under an advantage plan of having to
come out of pocket you know, five ten thousand dollars
or what have you in a calendar year are the
same folks who probably are in a financial situation to
best afford to stay on a supplement planned and pay
the money each month and not take the risk.

Speaker 7 (47:23):
That's true, And for a lot of those people that's
the decision, you know, would you rather just put money
away into a savings account and have that ten thousand dollars, say,
in a savings account every year? So if you had
a bad year or if you have twenty thousand in
an account, if you have a bad year, then that
money's in your account and it's growing interest. That's your money, right.

(47:45):
Or do you want to mail off a check to
an insurance company for a supplement and a drug card
and once you mail those checks the insurance company every
month they're not coming That money's not coming back, whether
you go to a doctor that month or not, whether
you have a prescription fill that month or not. That
next month the premiums are due again. So it's just
two completely different ways of doing your Medicare insurance coverage.

(48:07):
No wrong or no right, by the way, and I
do not push one or the other. I just explained
the differences and lay out the facts and talk to
a person about their doctors, their medical treatment, their prescriptions,
and they give them an educated you know, educate them
and they make an educated decision on which ones, which
path is right for them.

Speaker 1 (48:27):
Now you mentioned again with the changes in the prescription
card plan under the supplements, that you could see your
price really go up here over the course of the
next year or so. Now does that not applicable if
you're on an advantage plans that doesn't.

Speaker 7 (48:42):
Hit you there, it should not hit as much because
Medicare advantage plans have so much else going on as
far as money that received from the government for people
who are on those Medicare advantage plans, for the healthcare
and for the prescription drugs. Could you could see in
the Medicare advantage plans maybe the benefits not growing as much,

(49:06):
just as a dental or the vision of the hearing,
you know, some of those benefits being pulled back or
maybe capped. You know a lot of times, you know,
over the years, we've seen dental go from five hundred
benefits to one thousand, to two thousand, to three thousand.
So maybe next year they don't go to four thousand
or right, maybe they're capped or or they're lowered, you know,
so maybe we see effects in the Medicare advantage plan

(49:27):
that way. Internally, I do not think we're going to
see much effect on the premium, So I think that's
going to stay you know, zero to you know thirty,
you know, somewhere under thirty dollars, certainly on the Medicare
advantage side.

Speaker 1 (49:42):
So do you do you foresee in your crystal ball,
mister Howell, or do you think that that maybe the
government's long term plan is to try to push everybody
off the supplements to the advantage plans. Is that is
that an advantage to the government.

Speaker 7 (49:58):
Well, when the law was passed in two thousand and four,
it was a George Bush was in office, w right,
with a Republican Congress, and it.

Speaker 1 (50:08):
Was a vote.

Speaker 7 (50:09):
It was a law, believe it or not, that Democrats
agreed to back in those days when.

Speaker 1 (50:13):
Congress was when.

Speaker 7 (50:18):
They would talk to each other and they would make
compromises and a law of the pass That's the way
Congress was in two thousand and four. So this is
a law that the government sees as an advantage for
the government's keeping Medicare viable. Right, Because every time a
person signs up for a Medicare advantage plan, the private
company they sign up with, Blue Cross, at Na Humana,

(50:41):
whoever it is, that person becomes that private company's responsibility
and they are now off the Medicare books. Medicare still
regulates those companies, but Medicare now if that person han't
big gets cancer, had expensive treatment, Medicare is no longer
putting the bill for them. The private insurance company is
they've taken on that risk. So I think long term

(51:03):
that is that is what the government would like to see.

Speaker 1 (51:06):
Absolutely interesting, Yeah, it certainly seems that way, or if
it seems like more and more people are moving that
way regardless, So the point may be moved here a
decade or so possibly well.

Speaker 7 (51:19):
And I don't you know, I don't know if Medicare
or somethings will ever totally go away. It's probably not
that bad. But I do believe that Medicare advantage plans
will just continue to be more and more attractive as
you compare the two options, and so it may be
harder for someone to say no to Medicare advantage when
they look at the two options as the years go off.

Speaker 1 (51:40):
Right before before we wrap things up here, I'm just
want to ask this question because I always wonder when
I see these ads they say, put in your zip
code to see what what what benefits you know you
might be able to get. What's that all about? Why
do they need your zipcode?

Speaker 7 (51:54):
So every state has different Medicare advantage plans, and you
can have a different Medicare advantge plan available to you
buy county, So it drills down to buy county, not
only just by state, so what zip code you live
in and what county you live in matter greatly is
to what Medicare advantage plans available to you.

Speaker 1 (52:11):
Is that based on the number of people that are
actually on advantage plans in those counties.

Speaker 7 (52:14):
Or that's a factor. Certainly, people in Florida have the
best Medicare advantage plans available to them because it's most
popular in Florida. I mean, they're the Medicare advantage taken
right in Florida, I think is around eighty to eighty
five percent. Oh really, wow, So it's huge in Florida.

Speaker 1 (52:32):
Okay, Well, lots of questions to ask, and the guy
the answert has been with us for the last seventeen minutes,
Jeff Hall of Health Markets. If you'd like to sit
down with Jeff and discuss the options you can do that.
How to folks get a hold of you, my friend.

Speaker 7 (52:46):
Yes, my office is right beside the flight Deck restaurant
in Lexington and the flight Deck shops Health Markets Insurance,
and you can give me a call or text my
number at eight zero three six seven eight eight one
two one. My website, my name Jeffhowell dot com, Jeff
Hwle dot com.

Speaker 1 (53:04):
All right. Thank you, Jeff, appreciate you, Boddy, Thank you Gary.
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

(53:28):
James Snell recognized by AVA with a ten and an
eight plus rating with a Better Business Bureau. There's no
cost to speak to them. Insurance companies make their money
by denying and minimizing otherwise valid claims. The Law Office
of James Snell 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

(53:48):
James Snell. I'm Jim Snell. Contact me at Snell Law
dot com. That's three l's spell law dot com. The
Law Office of James Snell since two thousand and four
with off. This is in Lexington and Columbia.