Health and Wellness Show 08-30-25

Episode Transcript

Speaker 1 (00:05):
Good morning. Now our attention turns to your health and
your wellness. It is the Health of Weller Show on
one of three point five FM at five sixty AMWVOC.
I'm Gary David and coming up we'll be talking about
tax strategies here in the back half of the year
with the John Farley and Matthew Terry from Preservation Specialists.
But we got a ways to go, but it's time
to start thinking about those exciting things happening at Carefree

(00:26):
boat Clubs. Out of late Murray Matt Lionstrops try to
tell us all about it. We get underway this morning
on the Health of Weders Show with Larry Harris from
Classic Systems. Larry, good morning, how are you.

Speaker 2 (00:36):
Good morning here, blessing to be.

Speaker 1 (00:38):
Here, 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 start to discover a few things that
maybe didn't know about their home or their business.

Speaker 3 (00:50):
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 mold
growth inside an environment.

Speaker 1 (01:06):
In your estimation that You've been doing this for a
long long time.

Speaker 3 (01:08):
Now, Yes, I have since nineteen ninety two.

Speaker 1 (01:12):
Out of every ten homes you go into, how many
do you do you find that have excessive humidity level? Yeah,
are there certain areas of the state or of even
the midlands.

Speaker 3 (01:27):
It really doesn't make any difference because you can be
in the north or or anywhere in the country and
you get sixteen percent moist in a surface, you're gonna
have mold 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 have

(01:48):
water intrusion, you have the possibility of mold growth.

Speaker 1 (01:53):
So I'm sorry. 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 (02:14):
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 (02:28):
To the EPA is telling you to do the worst
thing in the world.

Speaker 2 (02:31):
Yeah, Clarox.

Speaker 3 (02:32):
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

(02:53):
will go away, but it's going to come back with
a vengeance. So you never use clorox.

Speaker 1 (02:58):
Huh. And this is the EPA say to do that.

Speaker 3 (03:01):
That was a statement several years ago. I don't know
if it's still active or not. But the thing that
people are concerned me about is using these big box
stores products that says mold cleaner. Well, if it was
truly a professional product that would clean mold, the people

(03:21):
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 mold or mediation product.

Speaker 1 (03:36):
Well, that was my next question. As a non professional,
can you get your hands on these. The answer is.

Speaker 2 (03:41):
No, no, you cannot.

Speaker 1 (03:43):
So you have to be licensed in some way shape.

Speaker 3 (03:45):
Or have to be certified to be by the products
which I use. I use a professional product that has
ten percent hyden producxide, and so the products we use
will eradicate mold.

Speaker 1 (03:57):
So these are products are obviously not dangerous to the home,
but it could be dangerous with the person applying them
if they don't it the right way.

Speaker 3 (04:03):
Proxide and see, you can go to any store and
buy thirty percent hided in proxide, but it's not strong
enough to kill mole, so you have to know what
you're doing.

Speaker 1 (04:13):
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.

(04:38):
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, could.

Speaker 2 (04:45):
Possibly happen here.

Speaker 3 (04:47):
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 labor
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 (05:09):
When you do this, and you do it a lot,
how often are you finding there's something out that report
that says something needs to be done?

Speaker 3 (05:16):
I'd say ninety nine percent of all air tests that
I do, there's gonna be elevated mold.

Speaker 1 (05:23):
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 there.

Speaker 3 (05:35):
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 modl or sixteen percent moisha in
a surface like a wall of floor, ceiling.

Speaker 1 (05:52):
No, never mind, a couple of years ago gave me
a little there's a little app that. I don't know
how well it worked. I don't even know what I
did with it now. Yes, but it's a little app
and it was some sensors, some small sensors. You could
hang them in different places around the house. In using
the app, it would measure claim to measure the relative humidity.

Speaker 3 (06:09):
Yeah, she can buy them there. So the big monk
stores have those relative meteors.

Speaker 1 (06:15):
We removed. I don't know what I did with them.
I saw, yeah, but it was and I knew at
the home we were living end of the time, because
we were 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 mean, we knew a lot of humidity in that area.

(06:35):
And I remember putting one in the in the crawl space, right,
and the first time I checked that humanity love, Oh
my goodness.

Speaker 3 (06:43):
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 will
illuminate the crawl space and it's better to visually see

(07:04):
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 (07:17):
Okay, typically don't think of sunlight at a cross space
being a big problem, but you got the vents and
everything else. I mean, it can happen.

Speaker 3 (07:23):
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 filter change anally,

(07:45):
but it'll eradicate all that moisture and stop the weeping
moisture from duck work.

Speaker 1 (07:51):
Now, in this case, we're not talking about your typical
run on the mill dehumidifier you might you know.

Speaker 3 (07:55):
Now, this is a professional one that will actually it
has a drain to tube that comes off of it
and goes out of the crawl space to evacuate the
marsha out of the crawl space.

Speaker 1 (08:07):
Okay, so you're not going to have uzon and buying
one of them, you.

Speaker 2 (08:09):
Know, and you don't have to empty a pen, right.

Speaker 1 (08:14):
Well, for folks who do put you know, you know,
off the shelf dehumidifiers inside their home. How effective are those, Larry.

Speaker 3 (08:20):
Well, they're pretty effective, but you know there's constant changing
of the pen to eradicate the morsture out of that pen.

Speaker 1 (08:27):
So they do work, but you're not solving the problem.

Speaker 3 (08:32):
Well, no, you gotta find the source of the morsture
or the relative humidity and stop that.

Speaker 1 (08:38):
It's just like a roof leak.

Speaker 3 (08:40):
We're a certified infrared thermographer, which with an infrared camera
that shows me morsture coming through a ceiling and I
can trace it with infrared camera to locate the source
of the morstua.

Speaker 1 (08:52):
That's the problem with the leaks and such. You may
see a leak here, right, but that's not necessarily where
the leak's originating.

Speaker 3 (08:59):
Exactly, because if 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
boot on the top of the roof that was old
and had brought it out the usual suspect. That's why
we had some leaks.

Speaker 1 (09:21):
So you're going out, you can again, as you mentioned,
if you 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 2 (09:33):
Yeah, in the afternoon.

Speaker 3 (09:34):
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 a proof of what the air tests were.

Speaker 1 (09:45):
Okay, what happens next.

Speaker 3 (09:47):
Well, the next thing. 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 mole 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

(10:11):
that are allergic to these specific mold spores. So the
little puer Are fifty is an excellent little purefiwer to
clean the air.

Speaker 1 (10:20):
So in this case, it just required 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 (10:29):
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.

Speaker 2 (10:36):
That won't fog the area with.

Speaker 3 (10:38):
This antimicrobial do not only remove bacteria and microbial and
mold sports, so it's very effective in fogging. The fog
is like a fog you drive a car through. It
doesn't saturate your windshield. And this doesn't make areas wet.
It's a fog that penetrates the whole area. And seeing

(10:59):
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
pores so it won't come back.

Speaker 1 (11:14):
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 3 (11:23):
And again in a cross space. 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 (11:45):
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 2 (11:52):
It could be gear.

Speaker 3 (11:53):
And see years ago when 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
integative of the inside of the home.

Speaker 1 (12:11):
Right, But it sounds like a lot of this they've
been coming in through you, through your events, through your ductwork.

Speaker 3 (12:16):
Well, it could come through anywhere that has a breach
in the interrogative of the seal of the home. And
another thing, if you've got a pretty good breach, you
can have mice to come opinion.

Speaker 1 (12:26):
And there's that. Yeah, I've recalled it a home we
owned years ago. I discovered because I'm not sure I
ever told my wife this. I hope you're not listening
right now, But walked into the master bathroom one day
and curled up in the in the corner was a snake.

Speaker 2 (12:41):
Wow.

Speaker 1 (12:42):
Yeah. And after dispatching of said snake, I started to
how did he get in here? Opened up one of
the cabinets. This was a home that we actually had
built years ago. Wow, and discovered that where the plumbing
fixtures came in for the sink, the hole they caught
was a lot bigger than the pipe itself. Oh yeah,

(13:02):
so that was a nob Okay, that's that's how he
got here. And they bake stuff at Goose stuff it
fills it up, right. 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 3 (13:16):
That was a couple of houses ago, so no worries
years gone by.

Speaker 1 (13:20):
Yeah, exactly. That's not what you want to do, is
walking into your bathroom. Was he a snake in the corner?

Speaker 2 (13:25):
Absolutely not.

Speaker 1 (13:26):
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 2 (13:39):
That's exactly right.

Speaker 3 (13:40):
That was back in the seventies when the President told
every homeowner to put insulated glass, stone winders up, make
sure your home was air tight so you're not.

Speaker 2 (13:50):
Losing energy the old crisis.

Speaker 3 (13:53):
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 below forty percent, you
can have sinus problems because it'll dry it out. So
there's a downside to that also.

Speaker 1 (14:12):
Gotta find that perfect balance, don't you.

Speaker 3 (14:14):
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 as of hydrogen peroxide. Also the
negative and positive ionization that goes through every wall in
your home six thousand negative ions per cubic centimeters to

(14:38):
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

(14:58):
thirty two pounds of dirty plas loed.

Speaker 1 (15:00):
Ay air thirty two pounds worth.

Speaker 2 (15:02):
Thirty two pounds every day, every day.

Speaker 1 (15:04):
Oh okay, Larry Harris Classic Systems. So folks want to
get some more information, my friend, what do they need
to do?

Speaker 3 (15:10):
Phone number is aight oh three six two six two
seven four eight aight oh three six two six two
seven four eight. Website is try freshairanaiwl dot com.

Speaker 1 (15:21):
All right, goodness, see you my friend.

Speaker 2 (15:23):
Thank you Gary, I have a blessed day you as well. Hi.
This is John Farley. Now let me ask you. Is
your retirement inflation proofed?

Speaker 1 (15:31):
Here's what I mean?

Speaker 4 (15:33):
In retirement chances are you run a fixed income with
variable expenses. So how do you not run out of
money when the cost of just about everything continues to
go up?

Speaker 2 (15:42):
You inflation proof it.

Speaker 4 (15:44):
Our team at Preservation Specialists can show you strategies to
help combat inflation so it doesn't outpace your retirement income.
Call us today at eight O three nine retire to
learn more. Inflation could take a huge chunk out of
your retirement savings, but it doesn't have to with some
simple planning inflation can go from being a major disruption

(16:04):
to just a minor annoyance. Call the team at AIGHTO
three to nine retire now to start inflation proofing your
retirement today at three nine retire that's eight three nine retire.
Securities off through Okado's capital member finn Or and SFEC
Advisory Services off through okados Will Perservation Specialists and Arcadios
are not affiliated through any ownership.

Speaker 5 (16:24):
The hunt for quality insurance is more important than ever,
and with Jeff Howell and the team at Health Markets
in Lexington, finding that perfect plan is easier than ever,
whether health or medicare insurance, let the experts guide you
toward ease of mind at a healthier future. And who
couldn't use that nowadays? Jeff Howell in Health Markets do
all the grunt work for you. They make the calls,

(16:45):
compare the plans and prices, and find you the insurance
plan that.

Speaker 2 (16:49):
Fits your needs. Best of all, their help is at
no cost to you.

Speaker 5 (16:53):
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.

Speaker 2 (17:05):
You covered literally from head to toe.

Speaker 5 (17:07):
Called Jeff Howell in health markets at eight O three
six seven eight eight one two one, or visit Jeffhowel
dot com that's eight oh three six seven eight eight
one two one or Jeff h O w l E
dot com and let them find the right insurance for you.

Speaker 1 (17:30):
We're back on the Health of WAMA Show on one
of three point five FM and five sixty AM WVOC
with the guys from preservation specialist John Farley and Matthew Terry.
And I can see it in your eyes, mister Terry.
It's it's the start of college football this week and
all you want to do is talk about football on
the show today. And you know, well, he's pretty excited.

Speaker 4 (17:51):
He's got a top five team that at least right now.

Speaker 6 (17:57):
We'll see after this weekend. But yeah, looking forward to it.
Going to be a good game.

Speaker 1 (18:00):
Today, Tigers and Tigers.

Speaker 2 (18:02):
That's it.

Speaker 6 (18:03):
Tiger Tigers are going to win. I'm talking about betting
on that one.

Speaker 2 (18:05):
And it's being played at Death Valley. Yeah, the thing
that plays in Death Outy.

Speaker 1 (18:08):
He's gonna win today that we can we can begin
bet the farm on that, right, and then of course
our best game got coverage tomorrow, cranking back up again
on a Sunday for crying out whether the game Cocks
Virginia Tech down in Atlanta.

Speaker 4 (18:21):
But this is I mean, listen, football season being back
would a blast. And two, I mean in the state.
Remember it wasn't what was it's you know, ten twelve
years ago. Uh when when Clemson Carolina played they were
both top ten teams. Oh yeah, you know, I mean
those are fun games. Yeah, you know, well.

Speaker 1 (18:38):
They're started off just about that way this year. Say
it's not quite topped in but close to it. But
but the season is young. I mean, this could be
another fun, fun time. Yeah, sure could. Sure, it's good
to see you guys as always. Yeah, and you know
again college football's back, and uh we're we're a day
away from September, well two days away from September. So

(18:59):
you know this year is drawing to a close.

Speaker 2 (19:01):
Here, hard to believe.

Speaker 1 (19:02):
Yeah, uh, what are the sort of things we should
be thinking about right now? College football season? Aside when
it comes to things like you know, investments and tax
strategies and you know, you get into that last couple
of months of the year, or there are certain things
you need to be sure you're doing well.

Speaker 4 (19:16):
One thing, one thing just to just to do is
a lot of folks want to max out their contributions
to their four one ks and and that's a good idea, right,
And of course you in most cases want to max
out your contribution to your four to one k ROTH,
assuming your employer offers that, right. But one of the
things to do is to remember that maxing out is
a good idea, but you want to make sure that

(19:37):
that that that lasts the entire year. Because let's just
say you max out and you finish your contributions in
August or September. Most of the time an employer only
matches a certain percentage and they figure out, okay, uh,
if you stop contributing, so do I. So you want
you want to do the math. You want to get

(19:57):
with your HR person or whomever, or or you advisor
and say, okay, am I contributing the appropriate amounts so
that I'm getting the most I can from my employer
on the match because I know we've we've seen people
have coming in and they're like, okay, I finished, and
I contributed through August, and I'm like, well, that's good.
Except by doing that the way the rules are set up,
you didn't get as much out of your employer as
you could have, so that it was, you know, something

(20:18):
to talk about there. Yeah, yeah, okay, and they don't
go over yeah yeah, yeah, yeah, yeah, what.

Speaker 1 (20:25):
About I know we talked about this, especially if you
have the year in Matthew, and that is tax strategies.

Speaker 6 (20:31):
Yeah, so you know, one one big one.

Speaker 7 (20:33):
I'm actually kicking off all of my ROTH conversion meetings
with my clients. You know, we're getting together. We have
a pretty good pitcher and idea of kind of what
income they've collected so far this year. And for those
who are maybe in a lower tax bracket or their
outlook is to say, hey, taxes are going to go up.
What we've been actively doing is planning to intentionally pay

(20:54):
taxes today at today's tax rates, convert that money from
a traditional IRA over to a row IRA and get
all those future years of tax free growth and that's
going to allow them tax free income in the future
and retirement.

Speaker 1 (21:09):
So yeah, how great would be to be retired and
have this investment money and the stuff coming in you're
not paying any taxes on. That's the goal, right.

Speaker 7 (21:15):
Yeah, absolutely, And and and you know, that is again
something that we are sitting down, we're doing right now,
very much of as we're closing up on the year end.
But getting all of our ducks in a row would
encourage you to work with your advisor or work with
your tax professional, and you know, run the analysis, consider
all factors, and choose whichever option is best for you.

Speaker 1 (21:38):
Okay, Well, that's the one thing none of us want
to ever. A lot of us don't even want to
deal with it until it gets to be like, you know,
next April. Yeah, yeah, and then it's there's obviously too
too late for most things. I guess you can still
start some sort of investments right before tax day and
still take advantage of it.

Speaker 7 (21:57):
But yeah, you're at You're absolutely right in one thing mention.
You know, if you typically perform Roth conversions, it is
going to require you to do this thing called estimated
tax payment. You know, anytime that someone makes an estimated
tax payment for the very first time, it's gonna feel overwhelming.

Speaker 1 (22:13):
Yeah, but this year.

Speaker 7 (22:16):
Yeah, but but I promise, after you do it a
few times, it is uh, you know, it's it's it's
not too difficult. But again, it would encourage you to
work with your tax professional or financial advisor would be
more than happy to walk you through that process. Another
key thing I would say is we're coming up on
year end and looking ahead and planning ahead, you know,
look to see whether or not you should be making

(22:38):
a IRA contribution. Right, you can put money outside of
your retirement plan through your employer. You can also go
on your own and you can open up your own
traditional IRA or your own WROTH IRA account and you
can fund that. If you're under the age of fifty,
the amount you can put in this year seven thousand.
If you're over fifty, you can put in eight thousand,
right per person, So that's important. It's another way that

(23:01):
you can say, if I have some money that's sitting
in the bank, right, it's it's it's safe, it's there,
I have an adequate emergency reserve. Because that's the case,
go ahead and stick into IRA account. You won't pay
any taxes on that growth. So that's the benefit of
choosing that.

Speaker 4 (23:17):
And just a little a little plug here were we uh,
every every year we have we bring someone to talk
to our clients about someone we think nationally who's important,
who has something to.

Speaker 2 (23:28):
Say this year?

Speaker 4 (23:30):
Ed Slott where he's going to give a talk to
our clients, and we want to invite all of y'all.
So anybody who'd like to come, we just need to
know you're you're going to be there. It's going to
be at the Harveston Theater out at Midlands Tech, you know,
in a couple of days. Yeah, it's the fourth. Yeah,
it's on the fourth. Yeah, so it's the fourth, and
it's at six o'clock. We just need to know you're coming,
So just give us a call eight oh three nine, retire.

(23:52):
The room can hold four hundred people where we're starting to,
you know, get in that range. But we we just
want to have but we have room, So please let
us know if you want to come, we'd be happy,
no cost, no obligations. He's a good speaker, he has
a lot of good things to say. We just need
to know you'll be there. So it's eight oh three nine, retire.
Just call us a preservation specialist to reserve your seat.

Speaker 1 (24:13):
Very good, Very good. You know, if we get backtracked
to a conversation we had a month or so back,
just refresh our memories when the big beautiful bill came down,
How is that changing things moving forward, and specifically, we
keep hearing this. I saw a political ad the other
day issues add that, yes, no taxes on Social Security.

Speaker 2 (24:35):
That is not true. That is absolutely not true.

Speaker 1 (24:39):
And you keep hearing people say that, so so well,
here's the thing clear to the here on that.

Speaker 4 (24:44):
Okay, if there are certain people who do not pay
tax on Social Security, but that that has to do
with their earnings. Right now, if you're if you're not
at a terribly high earning level and you don't get
a whole lot of benefit hit from Social Security, then
yeah you can do that. But for most people, there
is tax on Social Security. And just so you know,

(25:08):
this is not a you know, the system is not
solvent as it was set up. It was initially set up,
remember where there were way more people working than retiring.
The life expect we were all dying earlier. Yeah, life
expectancy was sixty five, sixty eight, right, maybe seventy, and
so what was happening was there were a lot more

(25:29):
people contributing to the system than taking from the system.

Speaker 2 (25:32):
So it was very solid.

Speaker 1 (25:33):
Sure, yeah, we were retiring and then you know, starting
to collect and then dying two years later.

Speaker 2 (25:36):
That was it. Yeah, that's the way that was the play.

Speaker 4 (25:38):
Yeah yeah, yeah, but now people are living a lot
longer and there and and the whole thing has shifted.
So it was back in the eighties where where the
politicians and the most the most famous thing that you
can point to is Tip O'Neil and Reagan both got
together and said, hey, this thing is not solvent.

Speaker 1 (25:55):
What can we do?

Speaker 2 (25:56):
They came up with a compromise that said, we're going
to have.

Speaker 4 (25:58):
To start taxing Social Security and that is the beginning
of how things started to be taxed. And so far
that has never not been the case. And I don't
see a case where that's not going to be going
forward because otherwise you're going to run out way sooner.
So yeah, so yeah, to your point, Gary, that that
doesn't happen.

Speaker 1 (26:17):
Well, right, and we're talking about the trust fund. People
are still paying into the system, which is why it does.
If you know, they're talking about maybe reductions of twenty
four to twenty five percent one of these days, but
that's the trust fund just goes away and there's nothing
left there, right, Yeah, Still people paying into the system,
but it won't be enough.

Speaker 2 (26:34):
Yeah yeah, yeah.

Speaker 4 (26:35):
So the latest that we read says that sometime around
twenty thirty four, it's about seventy or eighty percent solvent.
At that point, it doesn't go away, it just is
you don't get as much.

Speaker 1 (26:46):
Right.

Speaker 4 (26:47):
So, actually, when we do our financial plans, that's exactly
what we do, is we in our planning and we
have pretty laborate software because you know, all of this
is to do what it's to give people peace of
mind so that when they go to retire, you can say, yeah,
you're good to go. But let's let's let's put into
our software all of these very conservative estimates. Okay, social

(27:07):
security is not going to be one hundred percent going
on forever. We'll ratchet it back to the let's call
it seventy percent at twenty thirty four. What is that
due to your retirement income. Let's go and look at
you know, your inflation and let's do some different things
with that. Let's look at tax rates, let's do some
different things with that. So we can do these all
of these different scenarios. And what we tend to do

(27:28):
is with our software is we tend to be very conservative. Sure,
if you're talking about someone's retirement, right, so we you know,
so and then we project where you're going to be
years and years and years, you know, up until you
one hundred years old. And I know people look at
us and say, well, wait a minute. But the thing
about it is is if a married couple makes it
to sixty five, the statistics say there's about better than

(27:51):
a forty percent chance that one of you is going
to make it to ninety five. Right And with Ai,
I was listening to this medical doctor the other day,
and ninety five seemed young compared to what this guy
was talking about with ai own yeah, yeah, yeah, no,
I mean, you know, he was saying that the advances
are crazy, so you know, anyway, but the point is

(28:11):
is we want to give you a peace of mind
and say, okay, we can pull all these different levers,
we can look at all these different scenarios. Where does
that put you when you're eighty five ninety give us anage?

Speaker 1 (28:21):
Right?

Speaker 4 (28:21):
So yeah, And the two worst things that can happen
in retirement one is you run out of money. But
another bad one is you are are you know, maybe
maybe ninety five, and you don't have the energy or
the health to do the things that you are ninety
and that you wanted to do, and you're sitting on
a big pile of money that you could have spent
and enjoying yourself, seeing the kids, doing whatever you want
to do.

Speaker 2 (28:41):
So the idea is to balance that and to make
sure that we keep you on track going through that process.

Speaker 1 (28:50):
I'm glad you brought that up, because, yeah, that's the
big fear. You run out of money. That's all of
our fears. Yeah, we were out of money. And we're
having a conversation during the break here before the segment
started about you know, withdrawing money from your investments and
you know, again the fine line of Okay, how much
do I need to get buy or to do what

(29:10):
I want to do versus Okay, what's happening to my
nest egg? Well this is all going on. Yeah.

Speaker 4 (29:18):
So one strategy that I've heard, I've heard used in
public forums and stuff is okay, someone with a stocks
slash bonds portfolio, okay, primarily stocks, and the strategy was
just withdraw systematically monthly. Yeah, the worst strategy in the world,
I mean, because here's the thing that works really well

(29:40):
when the stock market is always going up. But when
the stock market is going down, right, or it's flat
now you're in trouble because you are eating into the
nest egg. You're eating into shall we call the seed
corn that is supposed to keep you going for the
rest of your life. So the idea is, if you
have an all stocks strategy and you're just taking systematic withdrawals,
that is really a bad idea in a market that

(30:02):
can go up and down. So what you need to
do is you need to adjust amount a certain certain
amount of that strategy to put some of that money
into something that will not go down so that you
can still take advantage of the growth in the stock market.
Because that's really good. Sure, but the problem is the
growth in the stock market introduces risk, and the risk
is they'll be down years, and if you're taking money

(30:23):
out during those down years from your nest egg, you're
really depleting it way faster than you otherwise would. And
there's where you get into I could run ount of money.

Speaker 1 (30:31):
So Matthew, what's the alternative here?

Speaker 7 (30:33):
Yeah, So you know, using specific types of investments that
are outside the public stock market. What that can do
is that can preserve your as John said, seedcorn and
your initial investment, and it just spits off income, right,
if that's the gift that keeps on given, we don't
we don't want to mess with that initial gift or
deplete that initial gift. If we say you can continuously

(30:53):
spit off five six percent dividends, well, hey, we're very
happy with that.

Speaker 1 (30:57):
Right.

Speaker 7 (30:57):
That's going to help supplement and provide needed the needed money.
That's that we need to live and enjoy our retirement,
you know, being in that stock bond portfolio. You know,
as John mentioned, the biggest risks that U and Essence
have is just having to take withdraws when it's down.
You know, while the market is doing really well and

(31:18):
the market is going up by all means, we are
more than happy to say, if you want that one
time purchase, right, let's peel off some of that growth.
Let's lock in those gains. Let's use that money to
go and do the things that you want to do.

Speaker 8 (31:30):
Right.

Speaker 7 (31:30):
Take that Take that three week long vacation degrease that
you've been talking about with your children, right, go on
that cruise with your family. That is going to be
that core memory that they always hang on to. These
are the types of things that we want to help
our clients with. We want to provide them that peace
of mind. We want to let them know that, hey,
regardless of what's ahead, because we don't have that crystal ball, right,

(31:51):
there's no magical power that we have to say we
know exactly what's going to happen in the future. But
what we can say with confidence is that we have
a plan and whatever life ahead, we are going to
be best prepared as we possibly can to help you
continue to work towards and accomplish your goals.

Speaker 1 (32:07):
You got some pretty cool software that helps make that happen.

Speaker 2 (32:09):
Yeah, yeah.

Speaker 4 (32:09):
And that's the other thing is is we we you know,
I don't call us super users or whatever, but we're
pretty we're pretty proficient at the software that we've been using,
and it takes into account everything that's involved in someone's retirement.
So we can we can tweak this, tweak that, do
the and and we can run as many scenarios as
we need to make sure that when when you walk

(32:30):
out that door, you have peace of mind to say
I got yeah, I'm good, I'm good to go.

Speaker 1 (32:35):
Yeah. Yeah. So you guys do the you review this
every year with all your clients, right.

Speaker 6 (32:40):
Well, we absolutely do.

Speaker 7 (32:42):
And you know, my favorite thing to do is work
with a client who's maybe still working but hasn't yet
retired yet, and they say, hey, just for gigs, let's uh,
let's just pretend I retire today.

Speaker 6 (32:52):
What does that look like?

Speaker 7 (32:53):
And literally, by a few clicks of a button, we
can change the entire scenario to say, hey, if you
retired today, what needs to happen regarding your social security?

Speaker 1 (33:02):
Right?

Speaker 7 (33:02):
But this is the outcome. This is when your money
is projected to last you. This is what you're projected
to have whenever you reach age one of the one hundred?

Speaker 1 (33:10):
Have you done this in? Actually? Other person? That's it?

Speaker 2 (33:12):
I'm out, yes, yes, that's the thing.

Speaker 7 (33:14):
You know.

Speaker 4 (33:14):
I will tell you this, Okay, that happened is that
I haven't lived like it was last week.

Speaker 3 (33:18):
Uh.

Speaker 4 (33:18):
There's a woman she's just she's had it with her
job or bosses being a jerk, blah blah. And I said, listen,
here's the thing. You have enough money to say whatever
you want to your boss. Let's just put it that way, right,
And yeah, yeah, you.

Speaker 1 (33:31):
Know what I mean. I mean?

Speaker 2 (33:32):
And what a feeling.

Speaker 4 (33:33):
Now, I will tell you there's some people who have
to say no, you have to bite your tongue a
little bit here, you know.

Speaker 2 (33:38):
So it goes both ways. But but we can tell you, you.

Speaker 4 (33:42):
Know, and give you the confidence to say, Okay, this
is where I am, This is where I this is
what my choices are. And a lot of people again,
you know, you.

Speaker 2 (33:51):
Think about people.

Speaker 4 (33:52):
A lot of people we see they've been saving, they
put the blinders on, they've been saving, they've been doing
the right thing. And now it's they get to at
they're like, okay, now what like I have this big
pile of money or this pile of money. How do
I turn that money into lifelong income? And that's our job.
Our job is to say, Okay, having a pile of
money is wonderful. The thing is you want that pile

(34:14):
to turn into action for you that you can enjoy
the rest of what you want to do. I mean,
as much time as you have, you've worked for it now,
but it's worked for.

Speaker 2 (34:22):
Yeah, absolutely, yeah right, yeah, yeah.

Speaker 1 (34:24):
John and Matthew. Always good to see to both of you.

Speaker 2 (34:26):
Yeah, yes, sir, I know we're this guy.

Speaker 1 (34:28):
We're here's heading Matthew right.

Speaker 6 (34:30):
Now, fire up the tailgate. Food here, I come.

Speaker 1 (34:33):
Here, it goes that's right, I'll wrap it up for
this segment of the Health and Walla Show. This segment
will be back with more coming up. Guys, have a
good weekend thanks here here.

Speaker 5 (34:42):
The hunt for quality insurance is more important than ever,
and with Jeff Howell and the team at Health Markets
and Lexington, finding that perfect plan is easier than ever,
whether health or medicare insurance. Let the experts guide you
toward ease of mind at a healthier future. And who
couldn't use that nowadays? Jeff Howell and health ma Markets
do all the grunt work for you. They make the calls,

(35:03):
compare the plans and prices, and find you the insurance
plan that fits your needs.

Speaker 2 (35:08):
Best of all, their help is at no cost to you.

Speaker 5 (35:10):
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.

Speaker 2 (35:23):
Covered literally from head to toe.

Speaker 5 (35:25):
Called Jeff Howell in Health Markets at eight o three
six seven eight eight one two one, or visit Jeffhowel
dot com that's eight oh three six seven eight eight
one two one or Jeff Howle dot com and let
them find the right insurance for you.

Speaker 2 (35:43):
Good morning.

Speaker 3 (35:44):
This is Larry Harris with Classic Systems. I'm a certified
mold inspector. We can help you test the air in
your home ten minutes per sample, one sample inside, one
sample outside. If we do it in the morning, we'll
have the lab report that afternoon and then we can
discuss with you what protocols you need to take to

(36:05):
clean the air in your home, particularly if you have coughing,
sneezing rashes on your body. This could be because of
mole that's in the air. Let us come do air
testing for you. The fee is only seventy five dollars
per sample and we can get the lab report back
the same day, so you know if you have any

(36:26):
airborne issues in your home. This is Larry Harris with
Classic Systems. Eight three six two six two seven four
eight eight three six two six two seven four eight.

Speaker 1 (36:45):
Now we're back to wrap up our Labor Day weekend
edition of the Health and Wellness Show here on one
O three point five FM and five sixty AMWVOC. And
let's turn our attention to having some fun right getting
out on Lake Murray, which I'm planning to do later
on today. With this guy. Well, not with Matt but
with Carefree both club.

Speaker 2 (37:02):
You never invite me along.

Speaker 8 (37:03):
I tell you, I'm starting to take it personal.

Speaker 1 (37:05):
Col You got me come for you on too. That
kind of a busy dude man doing busy stuff, and.

Speaker 8 (37:10):
I like to pretend.

Speaker 1 (37:12):
How you doing, brother, real good, real good?

Speaker 8 (37:14):
How about yourself?

Speaker 1 (37:15):
I have zero complaints, man.

Speaker 8 (37:16):
Yeah, it looks like it looks like the days gonna
shape up. Okay, I think it's there's always a chance,
a chance. Yeah, but uh, people have been getting out
and it's been it's been a good I call it
the end of the busy season. It's been good.

Speaker 1 (37:29):
You know, this has been a weird year for us
because it seems like we've wanted to go out, you know,
the weather's not cooperated or it's just been a busy
summer for us, uh, for for whatever the reason. But
you know, this week is a perfect example because we're
going to go out this afternoon. But guess what, we'll
be back in time. Even though I'm not a Clemson fan,
but I'm very interested in watching the Clemson L s
U game tonight. Yeah, yeah, which is you know, because

(37:51):
of the convenience of being a member at Carefree Bow
Club out of Lake Murray. I'm gonna worry about you.

Speaker 8 (37:57):
Know, just worry about trailing your boat and turn it
off all.

Speaker 1 (38:01):
The fun make it a time for the seven thirty
kickoff or what uh? And and this time of the
year with the with football, Hey, we could do it
again tomorrow if we wanted to, right.

Speaker 2 (38:11):
We we actually had at three o'clock.

Speaker 1 (38:13):
I get out there, you know, after church and and
tool around for a little bit and be back in
time for kickoff.

Speaker 8 (38:17):
Well problem And we actually have one member who has
figured out how to bring his TV out of the
it into like through a cigarette later kind of concept
or you know, one of the USB ports and and watch.
He's a he's a USC fan and he brings out
his his his TV on the boat to watch USC play,
which I think is awesome.

Speaker 1 (38:38):
Nice.

Speaker 8 (38:38):
I'm a big fan.

Speaker 1 (38:39):
I got to get his secret here. Uh, that's very
that's very cool man. Yeah, yeah, yeah, I've never watched
a football game on the boat in Lake Murray, but
I'm willing to give it a shot.

Speaker 8 (38:48):
I haven't either. I haven't, but like like you, I'm
willing to try.

Speaker 1 (38:52):
Uh. This is I mentioned this. I think last time
we got you were getting into My favorite time of
the year to be out there, because you know, the
lake populations starts to drop. You know, the number of
boats on the water and such, and we've done this before,
we need this more. I could take a midweek hop
out there for an hour or so in the afternoon.

Speaker 8 (39:12):
Absolutely, as part of my job, which I put that
in quotes, I'll have to move a boat from one
location to another. And sometimes it's nine am on a Tuesday,
nine am on a Wednesday, and the water's glass and
there's not a soul around but four fishermen that wave
to me as I drive by. And my opinion, that's
my favorite time. I like the activity on the lake,
like everything going on, but there's something zen and wonderful

(39:35):
about just I'm at full speed on a glassy lake,
literally taking a boat from one place to the other.
Nothing could be better than that. I'm a fortunate guy
to say the very least.

Speaker 1 (39:45):
That is a great time to be out there. It
really is. One of these decades I'll retire then I'll
just do that. I'll get out there at eight o'clock
in the morning around for a little while.

Speaker 8 (39:54):
Let me know what that's like, because one day I
need to retire.

Speaker 1 (39:56):
To So you just mentioned I'm taking a boat from
one location to another. Now we got news.

Speaker 8 (40:03):
Yeah, yeah, we've got four locations.

Speaker 1 (40:05):
Now we're up to four. We are up to four.
We have up to four.

Speaker 8 (40:08):
The new location which is Chile's landing over there, not
too far from Liberty on the northeast side of the lake.
They're super convenient to where a lot of people live,
including myself. So I now have a location within fifteen
minutes of my house, which is awesome. I'll be working
out of there quite a bit. We are not officially
operating care Free book Club there yet because there are
a number of annual slip holders and so forth, and

(40:30):
we need to add some slips and everything else. But
we will by March first, at the absolute latest, be
operating out of there, probably well before then.

Speaker 1 (40:40):
So that gives you four locations.

Speaker 8 (40:41):
Fur locations, yep.

Speaker 1 (40:44):
And so I guess the fleet size is going to
have to grow again again.

Speaker 8 (40:47):
It'll well, as long as the membership grows, the fleet
size will grow. Right now, we're at thirty I want
to say, it's thirty five boats and four wave runners.
We're at about one hundred and fifty members or so.
So the member to boat rat show is pretty low
and still under that five to one ratio, which is
where we want to keep it so everyone gets the
access they need. And every boat but five are for

(41:09):
sale because we're replacing them all with new Oh really yep,
much of the fleet.

Speaker 1 (41:15):
Yep.

Speaker 8 (41:15):
In fact, this today, you're going out on our brand
new boat. We call it the White Swan. It is
a twenty four foot avalon try tune with a two
hundred digital Honda engine. It is the quietest engine I've
ever seen. Yeah, it makes you go from forward reverse
in the gear without that click you always hear and

(41:37):
feel in a normal boat. It doesn't have that. It's
a little freaky the first time or two, but then
within about five minutes Tu're like, this is awesome, so
we may make that engine and set up our standard.

Speaker 1 (41:48):
Moving forward terrific.

Speaker 8 (41:50):
Yeah, it's that level awesome in my opinion.

Speaker 1 (41:52):
Well, I appreciate it because I think last time we
went out, you put us in a boat that you
had hadn't even been out before. Yes, trying to remember
that it's been a couple months back, but uh, so
far you trust me with this new stuff. I do nuts.

Speaker 8 (42:04):
Well, I know you're super old and don't go very fast,
so we're good and and I trust your wife, so
we're good there.

Speaker 1 (42:12):
Uh again, we're we're gonna we're gonna set sail out
of the Lake Murray Resort later on today, which is
a beautiful, uh facility. And you got the the Bucks
pizzas right there.

Speaker 8 (42:23):
A lot of people grab pizza to going out on
on the boat and that I like their pizza quite
a bit, especially their deep dish. By being a Chicago guy,
I like, I like cheese and dough and uh. And
then they've got the Thirsty Gator right next door, which
is doing really well. They do karaoke I think two
nights a week there and it's all outdoors at the
Thirsty Gators. So this time of year, it's getting really

(42:45):
comfortable out there.

Speaker 1 (42:46):
Yeah, you got to little got little i'm gonna say
beach front on big but lakefront property right there, a
little sandy beach.

Speaker 2 (42:52):
Yeah.

Speaker 8 (42:52):
You can take your drink and food and go in
water if you want.

Speaker 1 (42:55):
See there you go. Always sawthing happening out there.

Speaker 8 (42:58):
Uh.

Speaker 1 (42:58):
You got the local again, that's over there what used
to be Charlie's fisherman's warf.

Speaker 8 (43:03):
It's called something lakeside lakeside yea, yep, ye, we call
it our lakeside location. We've got six boats out of
there and it's going really well, super convenient, easy to
get to. Right on three seventy eight. It's it's a
little bit of a different part of the lake, which
is nice as well. And then we've got on the
north side Fat Frogs Marino, which used to be afraid not.
You've got Doolittle's Watering Hole there, which is a super

(43:25):
cool place. I mean it's it's not a huge place,
but when you get a seat at the bar with
a surfside drink, and I personally like their Italian sausage
quite a bit. Oh yeah again, Chicago guy, we get that.
And then I think their burgers.

Speaker 1 (43:40):
Are arguably the best on the lake.

Speaker 8 (43:43):
Now, I'm sure everyone has their favorites and stuff, but
I think Doolittle's does a great job.

Speaker 1 (43:48):
We have to traverse over that way.

Speaker 8 (43:49):
You should, you should, and like I said, you gotta
get a seat at the bar, get a surf side.
My favorites the raspberry. I think it's raspberry iced tea
and vodka. It's awesome.

Speaker 1 (44:01):
So but you know this again, this is whole concept
that you've cooked up here is all about convenience.

Speaker 8 (44:08):
It's all about convenience and fun. I mean, you know,
I'm fifty three years old. Let's be honest.

Speaker 1 (44:14):
You're a baby.

Speaker 8 (44:15):
Yeah, I'm a baby. Stuff.

Speaker 2 (44:16):
But let's be honest.

Speaker 8 (44:17):
I'm not gonna live forever, right, I mean, at some
point we all got to pay that price. And between
now and whenever that is, I want to try to
keep having fun. And that's what this really is about.
And it's about other people saying, you know what, I
want to have fun with my family. I want to
have fun with my spouse, I want to have fun
with my friends. I want to have fun by myself,

(44:38):
like it's life. But I moved down here almost four
years ago at this point to start living a more
fun life. And the boat Club has been that for me,
and I've seen it be that for a lot of metal.

Speaker 1 (44:52):
It's it's become a family, it has it has.

Speaker 8 (44:55):
Yeah, I get text all the time from my family,
from my extended family at midnight when they need a
boat the next morning at nine am, right, you know
things like that, which you know, my wife yells at
me because I never really turned things off. But at
the end of the day, I want it to be
as convenient as owning a boat. And if I if
I live by that concept, then we need to let

(45:17):
people go out as often as they can. So we're
every Saturday and Sunday morning, I'm the first one in
the office at seven am, and I'm sending texts out
to every member that's going out. You got one from
me today that basically said, hey, you've got the white
Swan at two o'clock today, no one's using it before
you're going If you want to come early, let us know.
Things like that, because again, it gives you that flebility.

Speaker 3 (45:37):
Yeah.

Speaker 1 (45:37):
Absolutely. Now again with the four locations, the convenience factor,
you know, again no matter where you are around the lake.
And again that fourth location not up and ring employed
till March. But still you're never far away. And as
I was talking about earlier, like again today, fruh, I

(46:00):
got no call. We're gonna be out there, We're gonna
be on the lake. We're gonna be having a good
time and be back in time for the football game night. Yeah,
no problem, no problem. I come to this from the
experience of being a boat owner in the past. Now
you guys, and this is part of your evolving business model,
I think, because not only are you a boat club,
but you're getting ready to become a boat dealer too,

(46:22):
aren't you. Correct.

Speaker 8 (46:23):
Yeah, we're opening up lake Life Lakelife Marine. You can
see us at Lakelife sc dot com pretty soon and
we're going to be carrying Scarab Jet boats, including their
wake surf boat, and we're going to be carrying Sylvan
trytoons and we're super excited about that. For us, it
was smart to do because we're at a point now
where we're buying so many boats and we want to

(46:46):
start standardizing the fleet. I want to get the same
sort of engine on every boat, dealing with two to
four brands instead of fifteen brands.

Speaker 1 (46:54):
Like it's great through Carefree.

Speaker 8 (46:56):
We can buy eighteen boats direct from the manufacturer, but
at some point you don't want to be dealing with
a team manufacturers. It'll help us in selling boats, repairing
our boats, doing maintenance on our boats because we'll have
a full maintenance facility open to the public out of
Chile's landing. We'll probably have that up and running by
November first, so we can do all the services you

(47:17):
need on your outboards and inboards and everything else. By
just pulling your boat to the dock, you can have
sea to drop it off there as well. So we're
going to be I think one of only two lakeside
full service marinas.

Speaker 2 (47:31):
Yeah.

Speaker 1 (47:31):
Yeah, So you talk about what kind of boats are
in the fleet right now?

Speaker 8 (47:35):
Yeah, so we've got I like to say a little
bit of everything, including three double deckers with slides off
the top. Three now three yep, which are super cool
and people like we'll continue to have those. We've got
two fully tricked out bass boats with all the garments
and trolling motors and all the fun stuff.

Speaker 1 (47:54):
They do everything but actually catch the fish.

Speaker 8 (47:55):
They do everything but catch the fish. They can find them,
they can look at them, they could feed them, but
they unfortunately can't put them in the boat. We've got
two center consoles, both are stingrays, super awesome. I'm a
big fan of that boat. And then we've got some
bout riders. We've got one wakesurf boat, and with the
addition of scaub we will be adding two wakesurf boats

(48:18):
to it.

Speaker 1 (48:19):
Oh no, what a wakesurf boat. What's the how is
that different from a regular boat.

Speaker 8 (48:23):
A regular bow rider like I come from the Midwiest,
we'd called the bow rider. But what a wake surf
boat gives you is it takes the motor and puts
it under the boat so that you can surf on
the wake and if you fall, you're not going to
hit the engine. Well that's a nice a little bit
because when you're when you're surfing, you're surfing from about
six to eight feet away from the back of the

(48:43):
boat because that's where the wave is the best. So,
and they also have ballast tanks in there so you
can fill up the boat. It's it's lower in the
water and creates a bigger wave.

Speaker 2 (48:52):
Oh yeah, so it's a different they've thought everything.

Speaker 8 (48:55):
They really have it. It's a different and it's supposed
to be I don't know personally, but it's supposed to
be a little bit easier than what we would know
like skiing seventy five feet behind the boat getting pulled up.
It's supposed to be easier than that to some extent.
So we have a number of members who take the
current weekeboat we have. It's a crown line twenty two footer,

(49:16):
a real nice boat works creates a nice wave called
shark Bait, and that one we have a probably about
half a dozen members that take it out regularly.

Speaker 1 (49:26):
Yeah. Well again, so convenience, selection and price yep, and
costs yep.

Speaker 8 (49:33):
So we're the best way to look at Carefree Boat Club.
We're a third the cost of owning a boat. And
I'll sit with anyone for hours and explain that. We
are a third the cost of voting a boat.

Speaker 2 (49:42):
And I'll show you.

Speaker 8 (49:43):
And it doesn't matter if you're gonna tow a used
piece of junk boat or you're gonna buy a brand
new boat and keep it in a slip. It doesn't
any way you want to cut it up. We're a
third the cost of owning. In addition to that, you
get variety of boats, and you get variety of locations.
We've got one hundred and fifty locations across the U.

Speaker 1 (50:00):
Yes, yep.

Speaker 8 (50:01):
You can use boats for free at any of those locations,
all through the online app.

Speaker 3 (50:06):
And we.

Speaker 8 (50:08):
Also just signed we are getting a new location on Lake.

Speaker 1 (50:12):
Hartwell, oh that's a beautiful place.

Speaker 4 (50:14):
Yep.

Speaker 8 (50:15):
That will not officially be my location because with the
opening of the dealership and the growth on Lake Murray.
I don't have the bandwidth to really be up there
doing that, but I have found the right operators out
of there to have experience in the boating industry. I'm
helping them get their business up and going. They just
sign their lease for the marina they're going to be at.

(50:36):
So I'm excited because it allows us another location within
just a couple hours of us to go spend a
day on a different lake, in addition to Charleston, in
addition to Wileye, in addition to Lake Norman. Being able
to go up there to Hartwell, I think is going
to be a big benefit to my current members.

Speaker 1 (50:52):
Okay, there you go, Clemson fans, Yep, right.

Speaker 8 (50:54):
You can hop on a boeing here. What's the clemsing
game from the water? Which I actually kind of want
to do that, And I'm not at this point, being
relatively new still right four years in South Carolina, I
have not shown my allegiance to Clemson or USC at
this point, only because my son is a senior at

(51:14):
River Bluff and he may go to one or the other.
So I'm literally waiting to see if he picks one
or the other, and at that point we will be
I guess, a fan of whatever team. We do have
one boat named Kaki, which is the USC colors. That's
a try tune, and we will be getting a SCAAB
that'll be in Clemson colors. So at this moment I

(51:36):
can say we love all South Carolina colleges and we
will continue to support both because we have to to
stay in business.

Speaker 1 (51:44):
Oh my goodness, sorright this time of the year, I
realized that you may be thinking, well, gosh, you know,
it's Labor Day weekend. I'm not going to join a
boat club right now, but there are advantages to a
joining right now.

Speaker 8 (51:56):
Absolutely. We offer great off season specials that we'll be
announcing just after Labor Day. We don't want to announce
it before Labor Day, but just after Labor Day will
announce it. And then in addition to that, you've got
all the fishing season ahead and some great boating season ahead,
so you get all of your training out of the way,
which we offer for free. You get familiarity with.

Speaker 1 (52:18):
The lake, and then you do without it being jam packed.

Speaker 8 (52:21):
Exactly, and then when the weather's great, which will happen
still between now and April, you'll get a Saturday, where
all of a sudden it's eighty five degrees and it's
a perfect day to be out there. So still a
lot of boating to do, a lot of fishing to do,
a lot of fun to have.

Speaker 1 (52:36):
Yeah, absolutely, all right. It's Carefree Boat Clubs at at
Lake Murray. Folks want to contact you to talk about
getting signed up or just to ask the questions to
find out how it's a third the cost of boating
your own boat.

Speaker 8 (52:46):
How they reach it, my friend, They can get us
at carefreeboats dot Com. Just launched a brand new care
free website, so it's a great way to contact us
through there that you can find us on Facebook, Twitter
and all the other socials I'm too old to know about.
And then they could also call us at eight three
three four vote four four.

Speaker 1 (53:04):
All right, looking forward to it today. We will see
you on the lake, my friend. Thank you, sir. 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

(53:25):
as settlement that's unfairly low. The Law Office of James
Snell recognized by AVA with a ten and an eight
plus rating with a Better Business Bureau. There's no cost
to speak to them. Insurance companies make their money by
denying and minimizing otherwise valid claims. The Law Office of
James Snell can help. They're not looking to try to
take every small mishap, but focus on real injuries that

(53:45):
deserve to be taken seriously. The Law Office of James Snell.
I'm Jim Snell. Contact me at Snell Law dot com.
That's three l's spell law dot com. The Law Office
of James Snell since two thousand and four with off.
This is in Lexington and Columbia.