Health and Wellness Show 11-08-25

Episode Transcript

Speaker 1 (00:14):
Good morning again, or if you're just now joining us,
good morning to you now the Health and Weller Show
on one of the three point five FM and five
point sixty AMWVOC. I always appreciate you joining us here
on Saturday mornings. I'm Gary David coming up. We'll be
talking to Matt Lions from Carefrey boat Clubs out in
Lake Murray. Fantastic deal right now the month of November
to get you on board as a member of the
boat club. Let's save you a ton of money. We'll

(00:36):
be talking to Jim Snell from the law office of
James Stall a little bit later on and we now
welcome in end up to the microphone. Hey, it's a
your for ded mine Larry Harris, Good morning Systems. Good
morning sir, how to be here. Always good to have
you here, my friend. Wow, you gotta love this weather,
don't you. We We got maybe a little rain coming,
but boy, this time of the year, my favorite time

(00:57):
of the year, clean fresh air. I was out earlier
this past week. I had had a day off from
the radio duties and I was out walking the dog,
like at six o'clock in the morning, and it was man,
the stars were out nobody was awake yet. Well they
might have been, but they weren't a stirring at least

(01:18):
it was crisp, it was clear. It just felt fantastic.
Fresh air. Yeah, fresh air, which is what you're all about. Absolutely,
And I wonder, you know, you get into this time
of the year, this kind of a weather pattern, the
things we typically talk about, you know, mold and bad air.
Does that change depending on the season. Is it worse sometimes? Yeah,

(01:40):
I would think it'd be worse of the humid, hot
months than it is. And you know, like kind of
whether we're having right now or not.

Speaker 2 (01:48):
Not really because indoor air quality is so prevalent due
to relative humidity and morshit And we've inspected a lot
of churches, a lot of commercial buildings, and all it
takes is moistia and dust to make mold to grow.
We actually did a major corporation off of Saint Andrew's

(02:11):
Road that had airborne mold in the duck work and
it was all on the air supplies and so it
really depends on the relative humidity and dust and.

Speaker 1 (02:21):
That's part of the problem here. You can be getting
the detrimental effects of mold intrusion. Absolutely without even knowing
you've got it, without being able to see it, because
as in that case right there isn't the work today.

Speaker 2 (02:39):
If it becomes airborne and people breathe it in, they
can have a reaction to that. And there are a
lot of molds that can cause health effects like Claudisporium, aspagilius, Penicillium,
call Valeria, mascilla, smut. There's all kinds of molds that
can have adverse affection. So the only way you're going

(03:00):
to find out what is airborne is for us to
do air testing. And if we do air testing in
the morning, I can have the lab report back the
same day, and that's in the Midlands within a fifty
mile radius of US. I did that in Saluta and
had the lab report back the same day.

Speaker 1 (03:19):
And we'll talk about that. But we talk about the
detrimental health effects of breathing in this stuff. What are
the most common issues.

Speaker 2 (03:29):
A lot of it is headaches, disorientation, eye infections, ear infections,
rashes on the body. See, all of this can be
affected by mold. That's not necessarily one hundred percent, but
it can have an adverse effect.

Speaker 1 (03:45):
We're the worst case scenarios Larry Well.

Speaker 2 (03:48):
The most deadly mold known to human beings is the
black mold called stackybotris atra, and that was in Cleveland,
Ohio in nineteen ninety nine and doctor dor Dearborn at
the Cleveland when East Cleveland Rainbow and Babies Children Hospitals
where ten infants drowned on their own blood because the
airborne mole was in the basement and was brought up

(04:10):
into the environment by the h fact and it became
it costs three month old infants bleeding from the nose
in the mouth and the mole got into their lungs
and caused leisions, and ten infants drowned on their own blood.
So if you don't test, you don't know what's going
on in your environment.

Speaker 1 (04:28):
In that case where there were those ten infants from
ten different households or in.

Speaker 2 (04:33):
The hospitalty percent were high income, sixty percent were low income,
but everybody had leaks in the roof. The water got
into the basement and started growing mole on the vertical
two by fours in the basement that didn't have sheet rock.
And so wood is porous and mold can get into
the pores of wood and the roots of mold is

(04:55):
called HAIFI, And so if you don't test, you don't
literally no what's going on.

Speaker 1 (05:01):
What determines whether it's this sort of bacterium or that
sort of bacterium, or it just it just happens.

Speaker 2 (05:07):
That's what the laboratory does. When I take samples, I
take to them accredited laboratory. They do the put it
under microscopes to identify it. And in some cases, depending
upon the sample, if we do a Q TIP, then
they're going to culture that and it may take four
or five days to get the results. But when I
do air testing, I can have the results back the

(05:29):
same day. Now, if it's in different parts of the state,
I've done work in Greenville and Hilton Head, it might
take twenty four hours to get that lab report back,
but we can have it back within twenty four hours.

Speaker 1 (05:41):
What if you don't mind me asking, because I'm sure
folks would like to know, And it depends, I'm sure
on the size of a home or a business. But
I mean, typically what does it cost to have this
service done to.

Speaker 2 (05:52):
That In the Midlands, it's only one hundred dollars service
charge and seventy five dollars per sample.

Speaker 1 (05:58):
And we had a call.

Speaker 2 (06:00):
A lady called me from New Jersey that has a
house or a trailer in Marion, South Carolina, and she
wants me to go over there and do air testing there.
But the first priority is she's got a leak in
this structure. You got to stop that water intrusion before
you do anything. That makes sense.

Speaker 1 (06:18):
It does, and I'm glad you mentioned that because somebody
calls you and wants the air testing. You go in.
You notice, obviously there's this problem. You've got this leak. Right,
do you go ahead and test the air then or
do you just goes, Well, there's going to be a problem.
Let's remedy that first and then test.

Speaker 2 (06:34):
You wouldn't want to do air testing if you've got
constant water intrusion. You've got to stop the water intrusion.

Speaker 1 (06:40):
You're throwing money away by before the year, right.

Speaker 2 (06:41):
Yeah, it's just common sense.

Speaker 1 (06:44):
So let's see you go into that situation, Larry, and
you stop the intrusion. What's the timeline then based on
that before you go back in and actually test the
air after that's been remedied. How old do you have
to give it?

Speaker 2 (07:03):
Well, the timeline really depends on the level of moishia
that's in there, because if you have excessive water intrusion,
you've got to dry it out first. You've got to
evacuate the mortar and then use dehumidifiers to dry it out.
And I've learned this by taking the school down in
Florida on water restoration and applied structural drying. If water

(07:26):
has intruded into sheet rock, geary and you dry it
out properly with de metifiers and air moves, the sheet
rock is actually harder than it was when it was
first installed.

Speaker 1 (07:37):
Okay, so you don't necessarily have to rip out sheet rock,
then it can be.

Speaker 2 (07:40):
Not necessarily that's correct. Now when we had the fifteen
twenty fifteen thousand year flood rain all that. When you've
got that much water into an area where sheet rock,
you've got to remove it because there's mold behind it.
And so the best thing to do is to do
the remediation right away and then you can dry out right.

Speaker 1 (08:01):
So let's take the example where you go into a
home or a business and there's no obvious signs of
water intrusion, So you're going to go ahead and start
with the testing process.

Speaker 2 (08:13):
What is that? What does that look like Larry Well,
we have a meter that pumps in fifteen liters of
air into that meter for ten minutes, and then we
do the same thing outside because you've got to compare
the inside air to outside. If the air inside is
worse than outside, then you know you've got an airborne problem.
And the lab report will reveal what type of molds

(08:34):
that are present in that air testing.

Speaker 1 (08:37):
Is there one type of mold that's back to the
most common in this area, Well, Penicillum and aspigillis are
two of the most common molds that you find, but.

Speaker 2 (08:47):
Caul Valeria, Claudisphorium Mysila, smut. These are all molds that
are type one and type three that can cause allergic reactions.

Speaker 1 (08:58):
Okay, what does that mean? Type one and type.

Speaker 2 (08:59):
Three That that's the severity of the reaction of a mold.

Speaker 1 (09:04):
So the two most common around here. Where do they
rank on that list of most serious the least serious?

Speaker 2 (09:09):
Depending on an individual, it can have health effects. It
just depends on each individual. Of course, is different. And
when you're breathing this stuff in it can cause a problem.

Speaker 1 (09:21):
How often do you go into a place and without
even having to test is very obvious I mean there
are obvious signs that there's mold intrusion, Versus if you
just did a quick, you know, eye inspection of the place,
you'd have no idea.

Speaker 2 (09:36):
The best thing to do is the nose, if you
go in there and you smell musky odors and if
you feel a lot of moisture in there. Of course,
we have meters gary that tell us that we've got
a we've got a thermal hygrometer that tells us relative
humidity and the temperature and the environment. Then we also
have morsture meters that are penetrating and non penetrating. But

(09:57):
that's and I'm also a certified infrared themographer that's using
an infrared camera to trace.

Speaker 1 (10:04):
Water leaks if they are present. Okay, so I it
was back to by the original point. You can easily
have a very bad mold intrusion event and not know
it by just looking. That's right, unless you're trained to
do such things. Absolutely, and obviously your old factory sensors
are trained to pick that out when you go into

(10:25):
a place. So you do the testing and again, as
you mentioned here in the Midlands, you know one sample
one hundred and seventy five bucks.

Speaker 2 (10:33):
Right, Well, you've got to have at least two because
you got to have one inside and one outside.

Speaker 1 (10:38):
Why is that?

Speaker 2 (10:39):
So you know you're looking at maybe two hundred and
fifty dollars. Okay, it depends on how many samples of
family needs, because if they've got areas in the home,
or if you've got more than one room that's affected,
then of course you'd need a sample in each room.
We actually did a test for a client that had
duckwork in had shape and I've got a I've got

(11:01):
a device that'll actually has a camera on a tube
that goes down into the duck work just see if
there's any visible mold present there. And we've done that
for a lot of families.

Speaker 1 (11:12):
But but would it seems it would be the case
that even if it's just one room affected, that the
whole house is going to be affected. Maybe not to
the same.

Speaker 2 (11:18):
Word work is contaminated, it would be absolutely.

Speaker 1 (11:21):
Yeah.

Speaker 2 (11:21):
We had a client that had a three story house
up at the lake and their duckwork was had the
black mold in it. The stacky boxer satra.

Speaker 1 (11:30):
So why do you get outside sample? What does what
does that tell you? I'm sorry, an outside sample what
does that tell you?

Speaker 2 (11:36):
Oh, it tells you what what airborne mold is outside? Okay,
there's always mold outside in the in the air.

Speaker 1 (11:43):
So what what what?

Speaker 3 (11:45):
What?

Speaker 1 (11:45):
What difference does that make for what the level is
inside the home?

Speaker 2 (11:48):
Well, if you've got if you've got two hundred spores
of aspagilitis in penicillium outside and inside there's two thousand
spores of aspagis and penicillium, and you see you've got
an airborne problem.

Speaker 1 (12:02):
Okay. So if it's not much more about the same
or less than you're okay.

Speaker 2 (12:06):
It depends again, each each sample is different depending upon
what's in the air. And that's why we do an
outside air test. So we know we've got clean, fresh
air outside. But if you've got claudisphorium that's two hundred
spores outside and you've got nine hundred inside, you know
you've got an airborne problem.

Speaker 1 (12:25):
Okay. So you can't fix the outside, but you can't
fix the inside. That's correct, Okay? Would I be right
in assuming that those areas that see higher mold counts
or areas where the environment is a bit damper, maybe
you're by a body of water or a creek or

(12:46):
a pond or something, or does that make any difference.

Speaker 2 (12:49):
It possibly could if there's the availability of intrusion of
that moisture inside and environment. But as you know, in
seventy three, the president told every homeowner to seal their
homes with insulated glass storm windows. Our thirty insulation, so
our homes are so air tight that they can't breathe.

(13:10):
But if you've got a breach in the integrity of
a home, like in a crawl space, because years ago
Geria plumbers and electricians would drill holes through the plate
in the wall and bring the wires and pipes up
in there, and they didn't insulate those holes. So that's
an open breach for air from a crawl space to
get up in the breath of air space. It again,

(13:30):
it depends on the integrity the insulation of the home.

Speaker 1 (13:34):
So you've tested to determine there is an issue, you
got to do something about it. Then, let's say the
water intrusion issue has been taking care of if there
is one. Doesn't have to be one to have this problem, though,
right right, that's correct, it's not a prerequisite. But but
you've determined, okay, there is an issue, how do you

(13:55):
go about taking care of it?

Speaker 2 (13:56):
Then? Well, had we had a structure that had high
relative humidity and the walls were brick walls white, and
they had black mold all up one side of that wall,
on either side of the entrance, And of course we
had four of the people in that structure get latterers,

(14:19):
and I supplied the chemicals to remediate that and they
removed all that black mold.

Speaker 1 (14:26):
Right, Okay, gotcha? Are these things that people could buy
over the counter big.

Speaker 2 (14:32):
Because I'm a certified mold inspector and remediator, And you
can't buy it because if you went to a big
box store to buy mole remediation products, if they were
really effective for a professional mole remediator, and you put
it in the home in the hands of a homeowner
that is not qualified to deal with uh PPE, which

(14:56):
is personal protection equipment, they could have an adverse effect
on their body and they'd soothe the company. So you
can't buy professional products at a big box store.

Speaker 1 (15:06):
Are the things that they are selling it retail that
make the clean that they can take care absolutely.

Speaker 2 (15:12):
It's just like the filters in big box stores and
say they're air purefiers and they really aren't. They're filters,
and that's why you have to know what you're dealing
with and who is the professional that has the education
to deal with it.

Speaker 1 (15:28):
So once you've gone in you determined there's a problem,
you immediated that any issues you have, maybe with water
intrusion have been taken care of. That's no longer a problem.
That's not really the end of the story, is it.

Speaker 2 (15:40):
Now you got to look at what the source of
the problem is, identify the source, remediate that. Then you
can clean the air.

Speaker 1 (15:47):
Right and you clean the air with something else you
do well.

Speaker 2 (15:52):
We actually also use a chemical that's a bioside that
has ten percent hydrogen peroxide that not only kill mold
on contact, but it'll kill bacteria and microbials, and we
use that very effective with a cold air mister to
miss the whole area.

Speaker 1 (16:08):
We have several universities that we worked.

Speaker 2 (16:11):
With that we use that and cold air misters to
get rid of microbials, bacteria, and mold sports. So there's
one of the most effective ways that I've done in
twenty five years of remediation.

Speaker 1 (16:24):
And once you get that air clean, though you'd like
to keep it that way, wouldn't.

Speaker 2 (16:27):
You right, Well, we have a lot of colleges and
businesses that buy the Pure Air fifties that are only
fifty dollars that'll do three hundred and twenty five square feet.
We've had a lot of places, as I mentioned earlier,
that have tremendous odors in a structure, and we've got
an air purified that will totally eliminate those odors.

Speaker 1 (16:48):
And that's the pure as you mentioned, the Pure fifty
just fifty bucks. Right, there's twenty some odd square feet
of space. But it kind of goes off from you've
got a couple different models and in streaks of unity, yes,
we do. Is from depending on the size of the
area you're trying to treat exactly. And that I mean

(17:09):
it's we've had one of those for years. We got
one of those years ago from the whole home we
used to live in. And it really is phenomenal what
it does. I know there's a lot of science and
all that back behind it, but I mean the bottom
line is is it really makes a difference in a hurry.

Speaker 2 (17:26):
Absolutely, and it duplicates fresh air and it's filterless technology.
It doesn't have a filter, So what a blessing it
was being on the radio with you, Gary back in
twenty twenty when COVID it was really rampant, and we
had a military facility that a colonel heard me on
your broadcast and he called me up and had his

(17:46):
sergeant meet me at the military facility and I evaluated
five educational buildings. They purchased the largest airpere of our
order I've ever had in my life, because they actually
bought one hundred and eighty five pure Are fifties and
they used them in a lot of areas, and then
they had larger areas where they used the pure Are

(18:11):
fifteen hundred that you purchased, you and your wife, and
they bought seventy five of those. So it was tremendous
and the results was absolutely incredible.

Speaker 1 (18:21):
All Right, So you're listening today and wondering maybe this
is what the cause of your ills are, or maybe
you're not even sure. It doesn't hurt to get it
checked out, and Larry, you're available to do just that.
How do folks reach you at Classic Systems.

Speaker 2 (18:35):
It's eight oh three six two six two seven four
eight eight oh three six two six two seven four
eight Try fresh AirNow dot com.

Speaker 1 (18:45):
Larry Good to see my friend.

Speaker 2 (18:46):
It's my pleasure.

Speaker 1 (18:47):
Thank you, Gary. Hi, this is John Farley.

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Speaker 1 (20:55):
And we welcome you back to the Health and Wellness
Show on one o three point five FM and five
sixty am VOC as we say good morning to the
guy who owns the carefree boat clubs at leg mar
mad Lions. How are your brother.

Speaker 3 (21:07):
I'm good, Sarah.

Speaker 1 (21:08):
How about yourself, I'm good. I tell you this this weekend,
Uh fabulous.

Speaker 6 (21:12):
Really, I'm uh. I'll be on a boat later today
and then tomorrow we have rigged up a fifty five
inch screen TV.

Speaker 1 (21:20):
Yeah. Oh that's sweet.

Speaker 6 (21:21):
And I'm going to be watching the uh, watching the
Chicago Bears on the boat, which is probably the coolest
thing in the planet I've ever done.

Speaker 3 (21:28):
Like it, It's awesome.

Speaker 6 (21:29):
And by next season we will have this rigged up
on every pontoon for all the members to do.

Speaker 1 (21:34):
Really, I think so really.

Speaker 6 (21:35):
Oh yeah, this is a prototype, but a friend of
mine engineered it, figured it out.

Speaker 3 (21:40):
He is.

Speaker 6 (21:41):
It's going to take him some time, but he's gonna
mass produce him and sell him to the world. And
once he does that, Oh, go on every care free
boat because this is perfect location and weather to go
out and watch the game. Cocks on a boat, to
watch whatever your NFL team is on a boat.

Speaker 1 (21:57):
It's pretty to forget. The Tigers correct, and I was.

Speaker 3 (22:02):
I was corrected the other day.

Speaker 6 (22:03):
I said Clemson and they said, no, no, it's Clemson. Clemson, right, yeah, yeah,
which I'm learning. I'm learning day by day.

Speaker 1 (22:09):
Yeah, you still you'll hear of sports announcers, you know,
broadcasters are still called it Clemson. Yeah, so this is yeah.
You sent me that picture and that is ready. Of
course you've been talking about doing this.

Speaker 3 (22:21):
Here's a little while now.

Speaker 6 (22:22):
I talk about a lot of really cool stuff, and
eventually I make it come true. Right Like I'm the
first one to say I'm a bit of a dreamer.
But at the end of the day, if it can
be done, we'll figure it out because I have to.

Speaker 1 (22:34):
This is a fifty five inch TV on a pontoon yep.

Speaker 6 (22:38):
And when my my friend developed or made the attachment,
it was for a thirty two inch green TV and
we set it all up and put it up and
we looked at it, looked at each other and said it's.

Speaker 1 (22:47):
Not big enough, not big enough.

Speaker 6 (22:49):
Literally, we want to Walmart and bought another TV that day.

Speaker 1 (22:52):
Now was there? You say he's going to be mass
producing them. Is there something different about the TV itself
that allows it to be on a boat or is
just a regular.

Speaker 3 (22:58):
TV, regular TV?

Speaker 6 (23:00):
It's more about the attachment to put it on the
pontoon railing.

Speaker 3 (23:05):
Basically, Wow, it's kind of cool. Yeah, it's kind of cool.

Speaker 1 (23:08):
So the idea is to next summer have it on
all the pont teams of the fleet.

Speaker 6 (23:11):
Having on at least a few of them, I don't
think like, yeah yeah, right now we've got thirty five
boats on the water. On an average weekend, four or
five go out right, So as long as I have
it on half a dozen by next football season, we
should be.

Speaker 3 (23:25):
Good to go.

Speaker 1 (23:25):
Yeah. Absolutely, well yeah, I mean this weekend, another great
week and enjoy Lake Murray, and now come Monday, not
so much. I mean.

Speaker 6 (23:35):
The good news though, is when you join a boat club,
you're not as weather dependent as you think. Like if
you own a boat, then every time you go to
take it out, it takes a lot of time. So
you've got to have you got to know it's great
and perfect weather to go out, because it's a process
to get on the water. With a boat club, especially
care Free, it's a phone call, a text, an email

(23:55):
to get a boat. You can go out for an hour,
you can go out for thirty minutes, you can go
out for a bite to eat, you can and it's
way more convenient and you find I had a member
call the other day and said, you know, hey, we're
loving the club. I think we're using a lot and
we're just curious, you know, do we use about the
same as everyone else? And I went in and this
past summer they joined in May, they had went out

(24:15):
forty three times.

Speaker 1 (24:16):
Oh, why goodness.

Speaker 6 (24:17):
And I said, I said, just so you know, you're
you're you're going out a little bit more than others.

Speaker 1 (24:21):
You are the champion. But that's okay, you know, that's
that's all. That's a lot. Wow, imagine imagine forty three times.
I'm gonna I'm gonna bet. And even folks who live
on the lake with a dock probably don't do that much.
But let's talk about somebody who doesn't live on the
lake and it's got to drag their boat out there
and put it in and take it out, or has
a dock but still has to keep the upkeep and
everything else. I mean, nobody's going out forty three times.

Speaker 6 (24:43):
And of course now we have we actually have half
a dozen members that live on the lake that have
a dock, that have a peer and they take a
boat and they keep it overnight at their dock.

Speaker 1 (24:53):
Let me do that.

Speaker 6 (24:53):
Yeah, yeah, yeah, we actually have one that takes a
boat pretty much every Sunday and they don't return it
till usually Wednesday Thursday. Oh, we're okay with that. It's
one less boat we have to clean. I live in
a world where boats and cars should be driven, houses
should be lived in. Leaving something just sit there alone
isn't good for any mechanical device. It needs to be utilized.

(25:14):
So you know, when they when they do that, it
doesn't affect other people's usage of the boat that they
do the reservation system the way they need to. They
leave some some space in between reservations that someone else
could reserve the boat, and if so, the member knows
they got to bring it back. But so far it
hasn't happened because we're.

Speaker 3 (25:33):
It makes a.

Speaker 6 (25:33):
Better club when we're over fleeted, and I've been overfleeted
from day one, and it's been purposeful, right right, Yeah,
you know, And I scratched my head the other day
because we were we were we had a new member
sign up under the no initiation feed program. So yeah,
first time we've ever done that where we're like, you
know what, Normally I think our average member pays twenty

(25:54):
five hundred to three thousand dollars to join, which is
still a very good competitive deal. But for the November
we said, you know what, let's just wave the fee.
Let's let people in that want to be in. Let's
keep our monthly the same as we are all the
time anyways, Let's keep the benefits of the same, the
boat's the same, let's keep everything the same.

Speaker 3 (26:11):
But all these people.

Speaker 6 (26:12):
That were on the fence and it was that initiation
fee keeping them from being part of the club, let's
get them in. So it's it's been pretty awesome. And
the new member who was signing up started asking me
a lot of questions and at the end of everything
they kind of said, they go mad. I got something
I don't understand. I'm like, what's that? They're like, why
would anyone join another boat club? And I literally sat
there and I've never been. I think the boat club

(26:33):
business model is great. But at the end of the conversation,
I really had to take stock and say, I have
more boats than every boat club on the lake. I
have more locations and every boat club on the lake.
We allow more access than any other boat club on
the lake. We have the second most reciprocal locations in
the world. You know, when you add it all up,

(26:54):
no one else lets you take a boat out late
at night. No one else lets you bring your dog
on the boat. No one else has already five boats
on the water today.

Speaker 1 (27:02):
And I'm guessing no one else has a big screen
TV on a pontoon there.

Speaker 3 (27:06):
I don't think they do. I don't think they do.

Speaker 6 (27:08):
No one else has wave runners. I mean, there's so
many things we've done. You even have noodles, we do.
We have noodles, we have saddles, we have everything in
the world you could want to do in the water.
And it's really and it's it's just again, it's a
passion to create something that is more enjoyable for more
people to go out and have fun and enjoy this lake.

Speaker 3 (27:28):
Period.

Speaker 6 (27:29):
It is not a profitable business right now. I'll be
very honest in saying that to the world. So anyone
that thinks I'm a multi millionaire making money off a boat.

Speaker 3 (27:37):
Club, you couldn't be more wrong.

Speaker 6 (27:39):
But it's covering its debt and it's growing as a
business and it's really awesome. We don't have anyone to
this day who has joined care Free Boat Club and
not been happy with joining. We have members who have
left because it wasn't they didn't utilize the boats enough,
or they moved.

Speaker 3 (27:55):
From the area.

Speaker 1 (27:56):
It wasn't because they couldn't get to the boats enough.

Speaker 6 (27:58):
We have not lost a member. They didn't have access
to the boats when they wanted them. We have not
lost a member because our boats aren't awesome. We have
not lost a member because our staff isn't wonderful. We
really have created an awesome business that I hope more
and more people come out see the boats, meet the people,
and get boating into their lifestyle in some way or another.

(28:21):
Even if you come out and view carefree and decide
to join another boat club for whatever reason because they
got a red boat when we don't have a red boat.
I don't know the reason you would join another club,
but if you did, at least you're getting out on
the water and that's a win.

Speaker 1 (28:34):
So it's always a bad idea for me to do
math on the radio. But let's do a little math
on the radio here, shall we. So this month, yes,
this month, this month only, there is zero initiation va zero,
so that math is zero, all right, So it's easy
I can figure that one.

Speaker 3 (28:48):
You too.

Speaker 1 (28:49):
Wow, let's start adding some things up here. Though, Wait
a minute, now, it gets tricky. So the monthly the
monthly d is to be part of the boat club
Carefree boat clubs Late Mary. What about four hundred? All right,
let's go, for ease of math purposes, let's say four hundred. Okay,
we can say four hundred. All right, So this is November.
You sign up this month, you pay no initiation vee.

Speaker 3 (29:11):
Correct.

Speaker 1 (29:11):
Now you've got I'm gonna take this. I'm gonna take
this scenario out until next say June, for example. Okay, Okay,
so you got six months of next year. You've got
November December of this year.

Speaker 3 (29:23):
Only December. We don't charge for November.

Speaker 1 (29:25):
Okay, so only so seven So seven months at four
hundred a month is twenty eight hundred dollars right, correct? Okay.
So let's say you wanted to join, but you're like,
why bother now? Because I won't even get it. I'm
a warm weather person. Okay, it's gonna be June. The
truth of the matter is it's probably gonna be like April. Okay,

(29:46):
but let's say, let's let's take it out to June.
This is gonna be June. For I really want to
get on the water. Why would I join now? And
pay monthly dues for seven months and not use the boat. Well,
do the.

Speaker 6 (29:57):
Math, because come June, our initiation will be five thousand dollars,
which is what it should be. In February at the
boat show, our initiation phe will be two thousand dollars.
In March it'll be twenty five hundred, in April it'll
be three thousand. Like, we're very set in what we're
going to charge for this season. So basically every month
that gets closer to the season, the initiation fee goes up,

(30:19):
and it peaks July first at six grand six grand,
And that is if you look around the lake, if
you look at other lakes, if you look at boat
clubs in general, most of them have a five to
eight thousand dollars one time initiation fee that during the
off season they get more aggressive on. But that's their
normal pricing. Our normal pricing is July first, we are

(30:40):
six thousand dollars. June first, we are five thousand dollars.
And it is still a third the cost of owning
a boat. It is still unlimited access. And when someone
joins right now and avoids paying that initiation fee, they're
not getting a water down program. They're getting the exact
same program as you would get if you join July
first and took a boat out on July fourth, exact

(31:02):
same problem.

Speaker 1 (31:03):
Let's face, we know the weather around South Carolin. We're
going to have some cold days. We've got a cold
day coming up in a couple days here, but we're
going to have days in what would be the off
season for everybody else when it's beautiful to get out
of Lake Murray.

Speaker 6 (31:14):
Absolutely, and here's the thing too, Fall and winter are
some of the best fishing times of the year.

Speaker 1 (31:20):
Where's that. Yeah, So we've.

Speaker 6 (31:21):
Got two twenty foot bass boats in the fleet that
have all the pops and buzzes and gadgets and wizzards,
you know, widgets you need on.

Speaker 1 (31:29):
A everything to catch the fish for you.

Speaker 6 (31:31):
We don't put them on the hook yet. We're we're
probably working on that. That's called catching, not fishing. And
then we've got two center consoles currently right now and
one fishing pontoon right now. We expect to increase the
fishing pontoon to a second one, and then as we
turn the fleet over and sell boats, we will always
have at each location one of each kind of boat.

(31:53):
Right So, We'll continue with the most variety of boats.
We'll continue with the most availability of boats, will continue
with very price competitive, don't. I don't like to say
we're the lowest cost one. Typically we are. That's not
my goal. My goal is just to be fairly priced.
But we're always competitive in the pricing program. We'll deal
match anyone on the lake. But we're gonna deal match

(32:15):
all aspects of it. So they might be three point
fifty four monthly, but they're charging four granted an initiation
I'll make that deal work all day long.

Speaker 1 (32:25):
Or they're charging an annual fee on top of that,
which you don't do.

Speaker 6 (32:28):
We don't charge an annual fee. We don't charge a
training fee. We don't have any hidden fees at all.
It is that your cost to being care Free Boat
Club is an initiation fee if we have one at
that time, which we don't right now, your monthly fee
and the gas you use that day.

Speaker 3 (32:45):
That's it.

Speaker 6 (32:46):
And we give a discount on gas because at this
moment all of our locations have gas at it, so
you can fill up at the club, you don't have to,
but we give a discount to club members as well.

Speaker 1 (32:56):
Great, So again, do the math. You could join this,
not take a boat out until June, pay the monthly
dues between well from December to June, without taking a
butt at a single time, and you're still saving money
over waiting until June to join. Absolutely, And the advantage
to a matter of fact, you can make that, but

(33:18):
to May you're still saving mine. Absolutely, but you're still
saving money.

Speaker 6 (33:20):
And the advantage to me and to care Free for
getting members on board today, it's not a financial advantage.
I'm better off you signing up. I think my best
program would be you signing up in May and paying
thirty five hundred dollars initiation fee. That's the best for me.
But the advantage for care Free getting members on board

(33:41):
now is we know how many boats to buy for
next season. We know where to put the boats. When
you've got four locations and you're expecting to go from
thirty five boats to fifty boats, you've got to figure
out it's a bit of a puzzle to figure out
what boat to put where and when. When we have
members on board, sooner we're able to line the boats

(34:01):
with the members home locations better and more efficiently, and
it just makes it easier on the team.

Speaker 1 (34:06):
Let's talk to folks who've never voted before in their life.
If you've never been on a boat, or excuse me,
never driven a boat, pretty doubt for you want to
go out and buy a boat, learn that way.

Speaker 6 (34:18):
You absolutely do not, because you'll have no idea what
kind of boat to get for Lake murray On. Yeah, yeah,
you'll have no idea how much to pay for that boat.
You're you're basically blind. You're you've moved here from somewhere
where boating wasn't a lifestyle, and you said, let's buy
a boat because we can afford a boat. And then
you go out and get the wrong boat. Then you
don't know how to drive it, and then you're trying
to figure it out and trying to figure out how

(34:40):
to drive your own boat with no training whatsoever, You're
probably gonna caust some damage.

Speaker 1 (34:45):
You know how That reminds me of Matt Lyons.

Speaker 3 (34:49):
This was your story years ago.

Speaker 6 (34:53):
Story I can I can still show you the bill
five thousand dollars when my jet boat sucked up half
of the Illinois River. So yes, we will. We will
train every member. It's part of the program for care
Free and we cater that training. One percent to the member.
If you've got a ton of experience, it's very simple.
Fifteen minutes to thirty minutes overall. This is how Carefree operates.

(35:15):
This is what you need to bought this lake. If
you've never driven a boat before, which we have probably
twenty thirty members who never did, we will take you
through the paces as long as it takes for you
to feel comfortable on the boat, which which is another
great reason to join on the off season. Not only
are you're saving money, but you now can use the

(35:36):
time on the lake where there's a lot less people,
a lot less boating traffic, to learn the ins and
outs of the boats, the ins and outs of the lake,
and get really comfortable. So this summer you're out there
on the wakesurf boats, dragging the kids and the family around,
having a blast and not worrying about how you drive
a boat.

Speaker 1 (35:53):
Right exactly. Just a great time to learn how to
drive a boat right now. Absolutely, it's a big lake,
but you'd be some prized if you've never been out
there before. It could get real small, real quick.

Speaker 6 (36:03):
It's unbelievable. It's like going to a big college, right
a big college can be as big as you need
it to be, or as small as you need it
to be. Lake Murray can be as big and crowded
as you want it to be. It could be as
small an intimate as you want it to be. We
can always find even on July fourth, we can find
a bay finger inlet somewhere. We're the only people dropping

(36:24):
anchor and floating.

Speaker 1 (36:26):
So the four locations tell us where they are. Again,
some folks goett to get an idea of if it's
convenient for them.

Speaker 6 (36:32):
Yep, And I'll go clockwise around the lake. On the
north side of the lake, the northwest side, we're at
Fat Frogs Marino, which used to be the Fraid Not.
We are also now at Chile's Landing right in Hermo there,
not too far from Liberty. And then south side of
the lake we are on three seventy eight, not too
far from South Shore Marina at Lakeside Restaurant. We have

(36:53):
a location there. And then we are also at Lake
Murray Resort, which used to be the Old Spinners.

Speaker 3 (36:58):
There.

Speaker 1 (36:58):
You go, all right, so that deal is this month only, correct?
So you got a couple weeks left to take advantage
of that no initiation fee.

Speaker 6 (37:07):
Yep, There is no better Christmas present on the planet.
Then it's not a club membership. It's a boating lifestyle
which will help with your health and wellness. It will
help with reconnecting with your kids, with your spouse, with
friends that come to visit you. Because I'm going to
say fifty percent of the people listening to you probably

(37:28):
moved here in the last two years and they're still
trying to convince their friends to come down and visit them.

Speaker 1 (37:34):
Every day.

Speaker 6 (37:35):
And there's nothing better than when your friends come down
from I'll share my story from Chicago and they come
down and I take them out on a boat and
they look at me and they say they I can't
believe this is your life. My comment always is it
could be yours as well. You don't have to keep
shovelings now.

Speaker 1 (37:50):
Carefree Boat Clubs out of Lake Murray, Matt had to
Folks get a hold of you and get more info.
Gets signed up.

Speaker 6 (37:55):
They can give us a call at eight three three
four Boat four four. They can check us out at
freeboats dot com, and soon they can check us out
at Lakelife sc dot com. That website should be up
and run in by about December.

Speaker 1 (38:07):
First terrific all right, but see all the lake.

Speaker 3 (38:09):
Thank you sir.

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Speaker 2 (39:10):
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a certified mold inspector. We can help you test the
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(39:32):
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(39:52):
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Speaker 1 (40:17):
It's Jim Snell from the law office of James Nell.
Good morning to you, sir, Good morning today at your office.
If you do a lot of law, yes you do.
You do the criminal defense, you know, d U I,
I mean all sorts of things you do, personal injury,
you do, workmen's comp. We want to focus today though

(40:39):
on how workmen's comp cases and personal injury cases that
I don't know if there are any they're the same
at all if somebody got injured.

Speaker 3 (40:50):
Right, but we start there, somebody got hurt.

Speaker 1 (40:53):
Somebody got hurt, and then I'm gonna guess they're kind
of these are kind of two very different things. How
they play out, is that? Right?

Speaker 3 (41:00):
They are? And it's you know, a big part about
what we do in you know, conversation with clients is,
you know, especially in workers' comp cases, is talk about
the differences, right, because yeah, they're there, they all start
with an injury, but the differences, you know, can be

(41:22):
pretty significant. And of course, you know, most cases are
either a workers compensation case or a personal injury case,
but then there are are some situations where people get both, right, Okay,
all right, So just brief overview on workers comp So,

(41:44):
workers compensation is considered the exclusive remedy for UH an
employee who gets injured on the job, right, I mean,
the employer has to have enough employees to qualify, but
for almost everybody, they're required to be covered. And workers'

(42:09):
compensation benefits are provided through an insurance company hired and
paid by the employer. So if you you know, employ
got to you know, you have a company, you got employees,
you know you have a compolicy right, let me let
me start by for just.

Speaker 1 (42:22):
A second interrupt you. You just said that for companies
with a certain number of employees, yes, what's the cutoff?
There typically five full time? Five full time.

Speaker 3 (42:33):
Yeah, Now that doesn't mean that they're that they that
the employer can't have can't purchase coverage otherwise, and a
lot of employers do, because.

Speaker 1 (42:45):
What happens if you work in one of these companies
they've got five or fewer, they haven't purchased it, but
you get hurt. Yes, job.

Speaker 3 (42:56):
Yeah, So if somebody works for a non claw a
fying employer like that, there's too small to have the
policy to be required to carry it, or somebody's like
you know, some kind of ten ninety nine or something
right right, Yeah, Oh, well that that's it. Basically, if
it's a situation where workers comp would not apply, then

(43:18):
then if they have a claim, it's it's going to
have to come out of the personal injury side, okay, right, So,
but in workers compensation it's a no fault system, meaning
it doesn't have to be anyone else's fault someone gets hurt. Okay,
Like like a silly example, right, somebody works at a

(43:40):
gun store, right right, and on their own by themselves
for no reason. They're just as careless as it could be,
and they shoot themselves in the foot, right right that
could that would that could be a workers comp case. Okay, okay,
So you don't have to You don't go through your
own negligence though used to have a You have a

(44:01):
workers and you have the exact same case as as
it would be any other any other cause. So how
you got hurt really doesn't matter as long as it
was the injury was arising from the employment.

Speaker 1 (44:13):
Okay, workers come, by the way, that doesn't apply for
a personal injury case.

Speaker 3 (44:18):
No, I'll get to that. But that didn't worry, right,
It does not work workers comp. The benefits are medical
treatments with doctors and providers selected by the employer, really
the insurance company. If people are out of work while

(44:39):
they're treating, they're entitled to some weekly checks at a
discount off what they off their average you know, paycheck.
It's two thirds up to a cap. And then finally
at the end of the case or the end of
the treatment, if there's any permanent impairment or permanent effect

(45:01):
assigned by the doctors, they're entitled to compensation for that.
You know, for example, somebody breaks their arm, you know,
where's the cast, gets the treatment, and then at the
end of it, the doctor says, well, we're gonna give
you a you know, a five percent rating to the arm.
I'm just making something up, right, there's a formula to

(45:22):
kind of figure out kind of approximately what the that
payment would be. Okay, So workers compensation cases do not
go to court. There is no judge, you don't get
a jury. It's in front of a worker's compensation commissioner.
So it's an administrative agency and the procedures they have

(45:46):
are much much more streamlined, significantly so compared to court.

Speaker 1 (45:50):
So this moves along faster. I'm guessing you're saying it.

Speaker 3 (45:53):
Can move long faster. It frequently does because again, you know,
you get hurt, I mean often hopefully you know, somebody
gets hurt at work, I mean within minutes, they're being
directed to medical care, you know, and start getting those
that assistance to the employer.

Speaker 1 (46:11):
Now did you say a few minutes ago that the
doctors are assigned by the insurance company.

Speaker 3 (46:16):
Yes, they get to pick them.

Speaker 1 (46:17):
Oh okay, so you don't get your.

Speaker 3 (46:19):
Correct you can't pick your own, but they can pick.
I mean there's you know, certain very limited circumstances you
can you know, a claim, it can appeal to the
commissioner for a change or for something. But general rule
almost always followed is it's exclusively that employer gets to pick.

Speaker 1 (46:35):
Okay, so I'm about tenfold hat on here for a second.
All right, is there a scenario where because the insurance
companies are picking the doctor, and I'm going to assume
these are maybe doctors that work a lot with these
insurance companies. Yes, and as you were just talking about,
maybe at the end of the treatment they say, well,

(46:56):
this injury might be permanent to a certain extent, that
that's going to be kind of bias towards the insurance
company a little bit. Yes, okay, yes, so I'm not
wearing a.

Speaker 3 (47:04):
Ten no no no, and and and and look, there
are a lot of situations where you know, doctors, uh
may provide excellent treatment and and and really do a
jam up job on the on the on the medical side,
but when it comes time to that assigning that rating,
it's just unfathomably low, right, and.

Speaker 1 (47:27):
You have no recourse as the injured employee. Well, you
can't give a second opinion.

Speaker 3 (47:31):
Yeah you can, you absolutely can. And uh. In fact,
it's a big part about what we do in my
office is we as we help arrange for you know,
different opinions on that rating. You know. Uh, we'll set
up opportunities to talk directly to that doctor, uh, to
have them try to justify the rating, you know.

Speaker 1 (47:52):
Put the spotlight a little bit. Yeah.

Speaker 3 (47:54):
Yeah, and and and just just really just goals, just
really make sure that that number is fairly as because
there's a book called the A m A Guidelines to
Permanent Impairment that they use to calculate those numbers, and
so uh and and a lot of it they're charts

(48:16):
providing a limited range of rating based on objective criteria.
So it really can be an amount to determining what
the actual range would be based on the objective criteria
and then kind of arguing for, you know, this might
be a little more subjective, but what would the actual
rating be based on that kind of starting point. Okay,

(48:39):
that's comp right.

Speaker 1 (48:41):
Right, I see now why it's not as cut and
try necessarily as you think it would be.

Speaker 3 (48:45):
And no, it's not cut and dry. I mean smalls, small, small,
you know, I don't call it smaller, smaller claims, you know,
simple injuries, simple treatments, you know, oftentimes can be handled
without a lawyer. But cases that are more significant, have
more impairment, or situations where the insurance company is either

(49:08):
unfairly or wrongly rejecting, are failing to cover a claim
you know absolutely can benefit from legal intervention.

Speaker 1 (49:18):
Is it best to contact a lawyer earlier rather than later?

Speaker 3 (49:22):
Yes, yes, I mean typically it's never too late, but
you know, the sooner the better, gotcha, all right? Personal injury, yes,
so this is the world typically for automobile accidents, slipping falls.
These are claims that in order to be able to

(49:45):
make them, you have to be able to demonstrate that
the injury was the fault of someone else.

Speaker 1 (49:52):
Right.

Speaker 3 (49:54):
You know, you hear about negligence, right and again, people
who are hurt at work cannot file a personal injury
claim against an employer in almost every circumstance, right because
they because they are comp is the exclusive remedy. You
can't opt out of comp right.

Speaker 1 (50:14):
Okay, But if you're one of these five or fewer employees.

Speaker 3 (50:18):
Potentially, but then you've got to be established negligence on
behalf of the employer.

Speaker 1 (50:21):
Okay, Right, you can't have shut yourself in the foot.

Speaker 3 (50:24):
And make that claim without without significant difficulty.

Speaker 6 (50:28):
Right.

Speaker 3 (50:29):
So you're on the personal entry side, though, people treat
with their own doctors, but you're responsible generally for paying
for it, right Uh, I mean, I mean those doctors
you're not having a payout. You don't look out for it.
But on the jury side, I mean, you get you
get no car wreck, you leave at the hospital. Hospital,

(50:49):
don't care that the other driver you know, had an
insurance policy on the car. They're looking at you right
and you so there may not be you know, they're
not going to be the upfront benefits. Now that being said,
the total benefits you can receive can include you know,

(51:11):
the you know, compensation for your medical bills for any
permanent effect, right for pain and suffering, which you don't
get into work as comp right. In fact, if if
the if the circumstances of the injury or such that

(51:34):
maybe the other person was reckless or even intentional, Right,
you can get punitives. Right, so you can you can
potentially get more money, and oftentimes a lot more money
in a in a real significant case on a personal
injury side those claims go to court that can take time,

(51:58):
a lot of time. You know, it's in it's significant case.
It's unusual for a case state two to three years
to get a trial day. And whereas in a workers
comp I mean it's you know, if if there's a
contested issue or contested case, I mean, you don't get
your hearings tomorrow. You can get them within a few
months typically, but that's significantly faster than in personal injury.

(52:23):
If we can help somebody, we'll tell them. If we
can't right you don't need a lawyer or you know
we're not the right office for them. You know, we're
absolutely happy to just give people the best help we can.
The number is eight zero three three five nine three
three zero one, and it's eight zero three three five
nine three three zero one. Other thing is, you know,
there's no money required to be paid up front. These

(52:45):
cases are accepted on contingency, which simply means, you know,
if we take a case, we're only paid if we're
actually successful in recovery. So there's no risk for people
to reach out to us whatsoever.

Speaker 1 (52:56):
And Snell Law dot Com with a three L three
L Snell Law dot Com all right, Thank you, Jam
going to see you body. It's the Health and Wellness
Show on one O three point five FM and five
sixty AMWVOC. The lawyers and staff at the Law Office
of James Snell are there to help those with injuries
and workers' compensation claims, car accidents on the job and

(53:17):
other accidents resulting in injuries. They want to help everyone
resolve their claim as quickly as possible, but they'll never
recommend you accept a settlement that's unfairly low. The Law
Office of James Snell recognized by AVA with a ten
and an eight plus rating with a Better Business Bureau.
There's no cost to speak to them. Insurance companies make
their money by denying and minimizing otherwise valid claims. The

(53:39):
Law Office of James Snell can help. They're not looking
to try to take every small mishap, but focus on
real injuries that deserve to be taken seriously. The Law
Office of James Snell.

Speaker 3 (53:49):
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.