Health and Wellness Show 12-07-24

Episode Transcript

Speaker 1 (00:08):
Good morning, and now time for the Health and Wellness
Show here on one of three point five FM and
five sixty am WVOC. Coming out, we're going to be
talking to a jims Nell from the Law Office of James.
Now Christy Cox's going to drop by two from Providence Home.
The things that they are doing to help men, especially

(00:29):
this time of the year and all year long, get
back on their feet, get back to being productive, you know,
members of society, and the things you can help them
out with as well. So christ will be here to
explain all that next half hour. But here we are
as we start to already think about winding down twenty
twenty five. Here and John Farley Matthew Terry from Preservation

(00:51):
Specialists are here with a bit of a checklist for
us things we need to be thinking about.

Speaker 2 (00:55):
Hey guys, Yeah, good morning, Gary, Hey, good morning.

Speaker 1 (00:57):
How y'all doing good? Good Christmas? Right?

Speaker 2 (01:00):
Oh yeah yeah yeah absolutely.

Speaker 1 (01:03):
One thing you can always know guys are lying about
you ready for Christmas?

Speaker 3 (01:06):
Yeah oh yeah, yeah, completely, yeah, good to go.

Speaker 1 (01:12):
Well maybe I'll get around of thinking about it coming
up next weeks. That's my plan anyway, all right. So,
but things that we aside from that we need to
be really planning on, of course, is you know, securing
our future and preserving our future. So as we get
here towards the end of the year, maybe some action
item type things that we need to be considering.

Speaker 2 (01:34):
Yeah.

Speaker 4 (01:35):
Absolutely, Yeah, it's hard to believe here we are already
at the end of twenty twenty four, but certainly we
are certainly in talks with a lot of our clients,
and we certainly encourage you to be thinking about a
couple of things that are prudent and have deadlines of
December thirty first. So one of those is certainly required

(01:55):
minimum distributions. You know, if you are of age, you know,
I know there's been some some some recent law changes
around that, but if you are of age and you know,
you've turned seventy three this year, then you were required
to take out or required minimum distribution.

Speaker 5 (02:11):
You know.

Speaker 4 (02:13):
Part of the reason that people have to take required
minium distributions.

Speaker 1 (02:16):
Local wants his money, right, absolutely.

Speaker 4 (02:18):
They want to They want to force you to pull
money out so they can get some tax revenue off that.
But you know, the penalty for not taking out enough funds,
it's it's substantial, is it really, right?

Speaker 1 (02:28):
Yeah?

Speaker 4 (02:28):
I mean you'll if you don't pull out enough funds,
you have to pay a twenty five percent penalty plus
you know, pay taxes.

Speaker 1 (02:35):
That's and tariff kind of number right there.

Speaker 2 (02:37):
Man, Wow, weirdly.

Speaker 1 (02:41):
Yikes.

Speaker 3 (02:42):
It used to be fifty actually, yeah real yeah, yeah, yeah,
they loaded it, yeah, but it was Yeah. Still you
don't want to get in there. You don't want that, noh.

Speaker 1 (02:51):
Yeah, And you've there have been changes in all that.

Speaker 3 (02:54):
And also we we generally advised like, because here's the thing,
you know, round up, you know what I mean, Like,
if your number is, if your number is, you know whatever,
say fifteen thousand, eight hundred, go to sixteen, right, just
because you want.

Speaker 2 (03:08):
To be sure that you're over the line.

Speaker 3 (03:09):
Yeah, you know, because I mean, I mean, we can
give you the exact number, but you never want to
get in the crosshairs of anybody in the IRS saying hey,
were you ever close to you know, just round up,
round up a little bit.

Speaker 1 (03:20):
Yeah. Yeah. And I know you can because I've known
folks who have taken these r and ds and you know,
not just took the whole ump. Some others who have said, okay,
but a discounted to account for the taxes. So I
guess you can do either one.

Speaker 3 (03:34):
But well, well the way it works though, Gary's you
need to take the entire amount out and then you
can deal with the taxes after the fact. See in
other words, so let's just say say your number is,
I don't say twenty five thousand that you have to
take out. You must take out twenty five thousand, right,
and then you pay tax on that.

Speaker 1 (03:53):
Exactly, see what I mean. Yeah, yeah, yeah, Well I
guess you could take out the twenty five but then
say all right, we're going to withhold yeah exactly. That's yeah.
Some people say no, I'll just I'll just deal with
that next year.

Speaker 3 (04:03):
Absolutely, yeah. Yeah, yeah, so you want it, yeah, but
but depends on the person. Some people are very we
want it, you know, but but you also want to
be careful. That's a whole other issue. Is you want
to be careful that you that you withhold enough in
this year, or at least by the first payment date
in January you will withhold enough, because then you could
get a penalty there as well if you if you

(04:24):
don't like, if you just push it all off until
April fifteenth, that could cost you to yeah, yeah.

Speaker 2 (04:30):
You're spot on.

Speaker 4 (04:30):
You know, the tax code over eighty thousand pages, so
I'm not sure the last time you've.

Speaker 2 (04:35):
Read that or not.

Speaker 1 (04:37):
Sometime next week I think in your open.

Speaker 2 (04:40):
Calendar of course.

Speaker 4 (04:41):
But but no, you know, just like John said, if
if you don't withhold enough taxes, you get hit with
underpayment penalties.

Speaker 2 (04:47):
And it's just one of the nuances of our tax code, right.

Speaker 1 (04:50):
We have many penalties, as Uncle Sam have, and there's
a penalty for everything.

Speaker 2 (04:53):
And you got that right.

Speaker 4 (04:55):
You know, we're under a pay as you go system,
and that's part of the reason that oftent, the easiest
approach is simply to just go ahead and withhold the
recommended taxes. You know, work with your tax prepare or
work with your financial advisor, whoever that is. And again
just make sure you're in the right ballpark, because that's
certainly important.

Speaker 1 (05:13):
Yeah, you don't want that that letter from the IRS.

Speaker 2 (05:16):
No, sir, so rm DS absolutely. Rm DS is one point.
You know.

Speaker 4 (05:22):
Another thing to consider as we're coming up on year
end as relates to taxes is tax loss harvesting in
the sense that you know, we know that the public
markets have been very well, you know, we're up so
far here today, I believe it's somewhere around twenty seven
twenty eight percent on the S and P five hundred.

Speaker 3 (05:40):
Which is crazy. Did they say I saw yesterday five hundred?
I'm sorry, fifty four record highs this year?

Speaker 5 (05:48):
Wow?

Speaker 1 (05:48):
Unbelievab Yeah, yeah, crazy, wow, as we thought we'd ever
see Dow forty five thousand.

Speaker 2 (05:53):
Yeah, yeah, it's crazy.

Speaker 4 (05:54):
Yeah, yeah, yeah, just a few years ago it was
at thirty thousand.

Speaker 2 (05:57):
Right, yeah, it's hard to think.

Speaker 4 (06:03):
Absolutely, but but you know, with with tax loss harvesting, though,
what that is is simply doing is you are intentionally
selling positions that are at a loss. And the reason
for that is as you're coming up on year end,
Let's say that we know a lot of stocks have
done very very well, right, they have gone up from
where you've you've probably bought those at so maybe this

(06:26):
is a time that if you're looking to maybe rebalance
your portfolio, find you simply sell the dogs to offset
maybe some that have been really good gainers for you
and they have gone up and appreciated in price. And
again that is something that we work with our clients
to say, how do you create a plan to rebalance
the portfolio but also don't don't trigger a huge tax bill. Right,

(06:47):
we always want to find that right balance, but make
sure that your your portfolios and check uh to make
sure you have the right balance and and helps you
accomplish your goals.

Speaker 1 (06:57):
Can you don't explain this idea of unrealized gains because
I mean, this was something that looked like might be
coming and now I guess maybe not, probably not.

Speaker 3 (07:06):
There was a yeah, there was a proposal that now
it was it was for people who had a net worth.
I believe, I think that I think the criteria I
don't know specifically, but I think it was if you
had a networth of at least one hundred million, right.

Speaker 1 (07:18):
Okay, doesn't affect me then yeah, yeah, never mind next
until tomorrow.

Speaker 2 (07:22):
Yeah. The whole idea was that.

Speaker 3 (07:26):
So so you know, I mean, I mean, people are
trying to get creative in Washington because the debt continues
to rise, so so you know, and and it, boy,
it drives many of us batty that every time when
people come in and they say, well, we're going to
cut the deficit. We're going to lower the deficit. But

(07:46):
it doesn't matter. If you lower the deficit, you've got
to bring the deficit down to zero in order to
start reducing the debt. Right the debt is the cumulative
right now. Other words, think about adding water to a bathtub. Well,
we're gonna we're gonna just we're going to lower the
amount that we're adding.

Speaker 2 (07:59):
We're still adding, right, you see what I mean.

Speaker 3 (08:01):
So so at some point you got so so at
some point you got to figure out this has got
to stop. At some point, we we've got to So
so the two ways are either cut you know, cut
spending or or increased taxes.

Speaker 2 (08:12):
There's you know, there's really no other way to do it.

Speaker 3 (08:14):
So one of the ways of increase of getting more
tax revenue was to say, okay, these really wealthy people,
if they have normally what the way the tax code
was set up was that if you if you buy
something and it goes up and you sell it later,
that's when you pay the tax on it.

Speaker 2 (08:30):
You pay the taxi when you sell it, you realize.

Speaker 3 (08:33):
So the idea was in this case that if you've
purchased something and it's gone up, you would then pay
tax on it despite the fact that you haven't sold
it yet. That's that's a that's that's one that's that's
probably hard to swallow for anybody. Yeah so I don't know.
I don't think that got anywhere.

Speaker 2 (08:51):
I I don't know.

Speaker 1 (08:52):
Yeah, yeah, so I don't mean yeah, yeah, catch off
track to be looking at it here, But but that
only applies to people, you know what it would have
with yeah, plenty of my yeah yeah, ok yeah yeah, okay, good.
So we've got to rebalancing portfolios. We've got rm ds.

Speaker 2 (09:09):
Absolutely what else we should we be looking at her?

Speaker 3 (09:11):
Yeah?

Speaker 4 (09:11):
So another big thing that is important to do is,
you know, this time of year is really the season
of giving, and with that, I mean making charitable contributions,
you know, making sure you do that before December thirty
first is important, so that way you can report that
on this year's taxes and receive that deduction whenever you
go to file next year. Again, it's it's ways that

(09:34):
you can accomplish your goals, but instead of you'd rather
just much you know, receive the deduction now rather than
waiting until twenty twenty five. So just saying those are
kind of your hard deadlines that we have coming up.

Speaker 3 (09:46):
And part of that too is there are ways to
make contributions and I don't want to get down into
the weeds. But there are ways to make contributions to
charities where you and it applies to your required minimum
distribution and you don't have to pay any tax on it.
Oh really yeah, So like if you if you, let's
say there's a charity you really like and you don't
need that required minimum distribution, you can satisfy the required

(10:09):
distribution and get the money to the charity. Yeah yeah,
and and you save on the tax. So so again,
I don't want to get down into the weeds on that,
but work with your tax person ary financial advisor, because
we do that all the time. There are people who,
you know, lucky. They're like, hey, I'm lucky. I don't
I don't necessarily need this money and I care about
this charity.

Speaker 2 (10:27):
So it works. It's a it's a win win.

Speaker 1 (10:28):
Nice yeah, nice, yeah, good good yeah rugged and pause
right there. Yeah, so much to talk about. You know,
we got like six minutes left. How much can we
squeeze in here?

Speaker 3 (10:43):
Yeah, it's a lot, a lot to unpack, as we say, Gary,
a lot to unpack.

Speaker 1 (10:46):
Yeah yeah, yeah, so yeah, I mean again, these are
you know, I think about people well like me, for example,
you know, you've you know, we've tried to put away
over the years, you know, and we've done all right.
I'm not rich or will be, but we've done all right.
But man, the things you guys have to deal with
on a daily basis, you know, for folks like me

(11:06):
and looking and seeing you know, all the different options,
different ways to go these sorts of things. You know,
you said, as a regular person who's not in the
position you guys are in, this is what you do
every day, and your eyes just glaze over. You're like, wow,
so many things to think about.

Speaker 3 (11:22):
Yeah, there's a lot of options. And I would I
would make the suggestion that you know, working with somebody
who's who's you know, familiar with this stuff is frequently
worth you while because because you know, sometimes people will
come to us after they've made you know, a thirty
or forty thousand dollars mistake or fifty thousand or you know,

(11:42):
even more in some cases, you know what I mean,
And we and had we started a little earlier, we
could have avoided that sort of stuff. So generally speaking,
it's it's worth your while to to to be able
to do a little sanity check with someone who's who's
plugged into that sort of thing.

Speaker 1 (11:58):
Yeah, yeah, yeah. So anything else that is our kind
of our checklist here at the end of the year
that you can think of that we need to be
I'm sure.

Speaker 2 (12:08):
Well there's a there's a couple of things.

Speaker 3 (12:10):
I mean, like like, so when when when the market
you know, many of us, you know, public stock market,
it's ride and high, it's going it's going real good,
you know, And and there is generally a sentiment and
this is you know, this general sentiment that says, now,
this administration is going to be business friendly, and so
the idea is that, well, therefore, the markets are going

(12:32):
to continue to continue to go up. So sometimes it's
useful to say, okay, I could take some I could
take some chips off the table, because this has been
except for except for if you go from two thousand
and nine up to twenty twenty two, except for that
blip in in covideh, it was the largest uprun in

(12:54):
this in the in the stock market history since eighteen eighty. Yeah,
and then we've eclipsed that. Now, right, we're way up,
so maybe we're.

Speaker 1 (13:02):
Hold my beer, Yeah, yeah, exactly.

Speaker 2 (13:05):
Yeah. So the thing is you know, it depends on
where you are.

Speaker 1 (13:08):
Now.

Speaker 3 (13:09):
We work with folks who are soon to be or
in retirement, right, and so the idea is, once you
get to a certain point, it's proven to start playing
some defense.

Speaker 2 (13:18):
You know what I mean, it's it's prudent.

Speaker 1 (13:19):
To do that.

Speaker 3 (13:20):
So so that's the kind of thing where it's been
a huge uprun, great, wonderful you played on that field.
You've won or you've you've you've succeeded, right, so maybe
it's time to take some chips off of that field
and turn that gain, those gains into applicable stuff that
that will now give you peace of mind through your retirement.

(13:40):
You know, it's that it's that approach. And again, you know,
we have some people who come in and and and
they've they've run that and that's all they know, and
that's great, okay, But but there are different strategies for
different times in your life, and especially if you're getting
close to or in that phase. You know, a thirty
percent drop, a forty percent drop. You know, we don't

(14:00):
have to go back too far to see that. You
know that happened twicelye. If you have a look at
two thousand, the dot com bubble. The stock market took
three years and dropped forty percent forty percent. Then it
recovered till about to two thousand and eight, and then
it dropped another roughly forty percent, and it took until
twenty and twelve or thirteen to get back to where
it was. So that was a two thousand to twenty

(14:22):
twelve or thirteen complete dead zone in the stock market.
So the idea is, it's it's general. If you're in
the if you're if you can weather that storm, great,
stay we are. But if that's something that could cause
you some inks, not only for your portfolio, but you're ulcer,
it's prudent to kind of to kind of reposition and
rebalance and say, okay, there are other options for us

(14:42):
to give us peace of mind, so that you know,
I'm out on the golf course or I'm do you know,
shopping or whatever, and all of a sudden there's some
crazy thing that happens in the world that causes a
shockwave in the stock market. Well, I'm not worried, right,
So that's the kind of thing that we, you know,
we want to do.

Speaker 1 (14:58):
So yeah, use a football analogy. I mean, if you
if you're up, you know, thirty points here in the
three minutes to play in the fourth quarter or whatever.
You're probably not blitzing.

Speaker 2 (15:08):
Yeah, yeah, exactly, Yeah, yeah, you're.

Speaker 1 (15:10):
Just kind of laying back and making sure nothing crazy happens,
you know, I.

Speaker 3 (15:13):
Mean, yeah, but but but but what but what happens
is is you know, because people that's what people have known,
because that's what's available in your four one ks. It's
stocks and bonds. That's it, right, because that's what people know.
That's familiar to too many folks. That's all we know.
So that's what we're going to keep doing. And and
the thing is to think about this even if you go,
you know, less risky stocks. Think about a stock like Duke,

(15:37):
you know, because a lot of times Duke energy, right,
So a lot of times people will run to utilities
when things get.

Speaker 2 (15:42):
A little bumpy.

Speaker 1 (15:43):
Anybody remember Scana exactly.

Speaker 2 (15:45):
Right, that's the thing right there.

Speaker 3 (15:47):
Generally speaking, when large bad things happen, everybody goes together
pretty far down, Like Duke. Duke dropped about half of
its value from two thousand to two thousand and two. Right,
So yeah, So, so the idea is that there are
other options to create a peace of mind and give
you income and play some defense while you're getting to

(16:07):
that situation.

Speaker 1 (16:08):
I know we've talked about those options before. We have
enough time in this segment to expound on those, So
I would suggest that folks may want to give you
guys a call and you can explain that to them.

Speaker 2 (16:18):
Sure, absolutely, yeah, absolutely.

Speaker 1 (16:19):
Yeah, because there are a lot of things, yeah, other than.

Speaker 2 (16:22):
Stocks and bonds, Yes, certainly.

Speaker 1 (16:24):
Quite a few. We got a good unemployment report, a
good jobs report yesterday, Yeah, came out two hundred and
seventy seven thousand jobs at what have you? And when
we reconvene again in a couple of weeks, we'll have
had well the next FED meeting fed yeah, yes, Well.

Speaker 2 (16:43):
Imagine having that job.

Speaker 3 (16:44):
I can imagine that guy is sipping may locks and
Scotch back to back.

Speaker 2 (16:47):
I mean, can't you imagine?

Speaker 3 (16:49):
I mean that no pressure, because you're just the entire
world's economy depends on your decisions, you know, I mean.

Speaker 2 (16:54):
It's crazy.

Speaker 1 (16:55):
Yeah, don't put me in that position, please, all right.
The preservation specialists Matthew Terry, John Farley always good to
have you guys in and talk to you about as
fascinating and what you guys do with is such a
great service to folks. How do they get a hold
of you to find out what these other options are?

Speaker 3 (17:09):
Yeah, Gary, it's aight O three to nine retire? Aight
oh three nine retire and our office is I know,
this is the holiday season, so it's kind of backed up.
We're near we're right near harvesting, so take that piny groove, Yeah, exactly,
piney grove is better. Yeah, yeah, all right, you guys
have a great week end.

Speaker 2 (17:25):
Thanks, carry too.

Speaker 5 (17:26):
Hi, this is John Farling. Now let me ask you
is your retirement inflation proofed?

Speaker 1 (17:32):
Here's what I mean.

Speaker 5 (17:34):
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 (17:43):
You inflation proof it.

Speaker 5 (17:45):
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help combat inflation so it doesn't outpace your retirement income.
Call us today at ATO 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 to just a

(18:06):
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Speaker 2 (18:18):
Retire.

Speaker 3 (18:18):
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Speaker 1 (19:40):
Now we're back on the Health of moona show and
saying good morning to our friend James Snell from the
Law Office of Jane Snell.

Speaker 7 (19:46):
Good morning, sir.

Speaker 1 (19:48):
We you know I would think, Jim that well, actually
I know better, but you'd like to think that when
it comes to matters pertaining to the law, the things
would be black and white, cut and dried, precedent such.
But nothing really could be further from the truth. I'm
guessing right. It's all over the place. It's all over

(20:10):
the road, a lot of gray areas, yes, when it
comes to such things. And so this morning we wanted
to talk about when it comes to personal injury law, yes,
and settlements just things, maybe even we might consider those
lay folks to be just random things that can actually

(20:33):
affect the value of a settlement in a in a
personal injury case.

Speaker 7 (20:37):
Absolutely and there and they're out there there, there are
these things that can be It just seems so at
first they can seem so subjective that they really do
kind of strike people as being unfair, are are kind
of baseless. But I can tell you absolutely do effect.
You know how insurance companies are potentially even courts, how

(21:00):
they may evaluate or what they may do with a
given situation.

Speaker 1 (21:04):
Let me ask you this before we get started. Yes,
And I don't know if this applies or not. And
I meant to ask you this a few weeks. Well,
I guess it was. I don't know, we've I guess
we have maybe and Chatti since has happened. Back during
the Republican primary, there were non binding ballot questions on
that ballot. One of them had to do with settlements

(21:26):
and lawsuits. The question was, well, should you know a
settlement be based on let's say a party's participation in
whatever took place that that led to something happening a

(21:46):
non binding referendum? That was most everybody who answered that
question answered yes, they should be now again non binding,
but just because they put it on the ballot, we'd
make you think this is somewhere where they're heading. Do

(22:07):
you have any thoughts on that?

Speaker 7 (22:09):
Have you?

Speaker 1 (22:10):
Yeah?

Speaker 7 (22:10):
Well, I was gonna say for you know, of course, Yeah,
the the UH sales the Republican primary, right, right, Okay,
so how did you know I would be familiar? Right?

Speaker 1 (22:22):
By the way, Jim may be the only Republican a
lawyer out there, I will.

Speaker 7 (22:30):
In the world of personal injury, UH litigation and claims
like I go to these national legal conferences and they
are uh, they are all on I mean kind of
left leaning Democrats. Law school was like that, right, I
mean all the everybody's like kind of I didn't, you know,
left leaning and all that. Yes, I was very happy

(22:53):
to go to h to my precinct in Lexington and
up and cast my ballot for for Trump. All right,
I just say it now, I'm happy to do it. Okay,
So I'll tell you this. Okay, you hit me with
that by surprise, right, Typically I would, I would, I would,
which is fine, I'll typically, but I want the question
I think you're asking. It's something that was put together

(23:16):
I think by UH and this is just my if
I remember the question correctly, or a question similar to that.
It was something to do with the proportionality or damages
after yeah, and if and I'm happy to do a
little research and follow back up. But typically stuff like
that is, and without commenting on that specific ballot initiative directly,

(23:38):
but just generally in that world, it's typically insurance companies
and our lobbying groups or specific industries that are advocating
for legal changes to minimize what they would be responsible
for in the event of typically a catastrophic or major incident, right,

(24:00):
and so because sometimes in especially in a and we
talked about this before, in a catastrophic case right where
someone is going to have, you know, maybe massively injured,
maybe they're going to be permanently injured, have a brain injury,
or be paralyzed, or there's a death right. One of

(24:21):
the things we've covered, I think extensively is the the
the typical motorist in South Carolina has a twenty five
thousand dollars liability. So that means that driver hits and
kills your loved one or hits and kills are sorry,
hit hits hits you and puts you in a wheelchair
for life. The most their insurance pays is twenty five thousand, okay,

(24:42):
which is completely inadequate. And we've talked before about how
people can protect themselves against that possibility by acquiring underinsured coverage.
But frequently what happens as a as a lawyer when
when these cases come in you you begin looking for
other possible recovery sources. Okay, right, and and like a

(25:06):
real common is something called dram shop or was it
an alcohol impair driver that that caused the.

Speaker 1 (25:15):
This case down in a volley Beach from from last
year with a bride of the groom?

Speaker 7 (25:19):
Because what what what you can if if you can,
if you have the correct facts, you can make an
allegation that the that the bar restaurant oversold somebody basically
got them so, you know, to so drunk they couldn't drive.
And you know all these bars have parking lots. I
mean they know how these people get there? They drive,
and if you're gonna keep keep poring them until they're

(25:42):
unsafe to drive, and that's how you you know, that's
that's how you make your money, is you know, you
profit off getting people to drive to you, getting them
so drunk they can't drive, and then watching them drive off. Right,
you can make a claim saying hey, you're you're you're
on the hook for this injury. Right, It's called dram shop.
That's just one example. So you look for those situations

(26:06):
and then you say, hey, you're you're on the hook.
So we've got, you know, three million dollars in medical bills,
a twenty five thousand dollar liability. We're coming after you
for the for the balance. And so I think some
of these lobbying groups, special interest groups, insurance companies look
in those situations for ways they can say, hold on

(26:26):
our guy, just poor drinks. They don't have a breath machine,
they're not what do they know. And besides the guy
who actually swallowed the liquor and then drove and then
ran the red light. You know, that's who's they are
so much more at fault. That's that's that's who should
should pay. Like basically, our our insured or our companies

(26:48):
are you know, the businesses we advocate for. You got
to let them slide. I think that kind of question
seemed to me in that vein, and it's one of
one of.

Speaker 1 (26:59):
Those poses that going after those with the deepest pockets.
Craig an unfair proportionality of a settlement. It seems like,
as I recall the way it was written.

Speaker 7 (27:07):
And one thing in particular, I've heard this before when
tort reform kind of has come up as a topic
for discussion.

Speaker 2 (27:18):
In the world of.

Speaker 7 (27:21):
Compensation for people who are injured or killed, and you know,
in accidents are through negligence, right, the general public, Right,
no one imagines it will be it'll happen to them
or their family, right, No one ever, just no one
ever assumes. Nobody actually ever assumes or thinks about that possibility.

Speaker 1 (27:45):
Right.

Speaker 7 (27:46):
So the general public really has no interest in that
world as far as the the process unless they're involuntarily
thrust into it. So the the repeat players are going
to be the insurance companies, the companies themselves that are
regularly sued, maybe their lobbying groups. Right, Those are the

(28:10):
folks who are all the time participating in the world
of compensation for accent of victims, right, and the people
who are in that world and who can sort of
advocate our lobby for the rights of the injured people.
That really falls down on personal injury or you know,

(28:33):
personal injury attorneys, because we're in that world constantly. But
from the side of the injured person, there's not another
advocacy group other than the lawyers. So when you see
people malign trial lawyers are taught bad about the plainess bar.
That's a lot of it. These insurance are these special
interest groups trying to basically be dismissive of you know

(28:58):
what side actually can raise the other point because again,
you're not gonna have a grassroots group of public advocating
for the rights of the injured because they just they're
not in that world.

Speaker 1 (29:10):
Hope, I'm answering you. Yeah, yeah, I'm sorry it's gotten
off track here, but they just popped into my head.
Things weirdly do that sometimes they just pop it into
my head, right, yes, you know, there you go. All right,
So things that can affect the value of a settlement.

Speaker 7 (29:26):
Just yeah, just just to kind of go through a few,
and this is I'm just trying to you know. And
of course, you know I worry. You know, I do
this program every what, every couple of weeks, and you know,
I always worry.

Speaker 1 (29:36):
I can't.

Speaker 7 (29:37):
I'm gonna bore the audience to death if we believe,
if we keep going on about you know, no feed
less we win free compultations. All right, Yeah, okay, So
here's what I'm gonna say. But you got that in
very definitely, there, I got it in very definitely.

Speaker 2 (29:49):
All right.

Speaker 7 (29:50):
One thing is in a state like South Carolina. You
have every county has a county courthouse, and every county
putent actually you know are you know, has civil law
sits that are brought in it.

Speaker 1 (30:07):
Okay.

Speaker 7 (30:09):
And one of the phenomenons about a state like South
Carolina is the counties themselves are very different.

Speaker 1 (30:15):
Okay.

Speaker 7 (30:17):
For example, Lexington County are good, Gosh, Pickens County up
in the upstate, right is going to be very different
than say Charleston County as far as the people who
live there and the people who would get called jury
duty to decide a loss. It okay. And there are
databases that track the outcomes of different kind of cases

(30:42):
in different you know, and can compare to different counties.
And you know, so there there's a lot of at
least anecdotal and some documented, you know, data to show
that similar cases can have different court outcomes in different counties.

Speaker 2 (31:02):
Okay.

Speaker 7 (31:02):
And and that and that's by and large due to
the type of people that would show up for Jerry Diddy.

Speaker 1 (31:09):
Okay.

Speaker 7 (31:10):
And so when you get in a collision or say
you get in a car wreck and and it's a
it's a case that could be brought. I'm just gonna
make this this this up but you know it's hypothetically,
but you get an erect from somebody from say like
Allendale County, right, which I think has a reputation as

(31:32):
being a very sort of pro plaintiff sort of area.
Insurance companies may think that that case has more value
than if the case was safe from Anderson County or
Greenville County, right, So.

Speaker 1 (31:48):
More conservative counties. Yes, we have anecdotal elements at least
that they're it's there's data, there's documentedata and and the
insurance companies all track this stuff and they know, I mean,
the insurance countings know every single every time the courthouse
door is open and they decide see a car wret case.
Insurance and baseball statisticians they keep up with. Yeah, they

(32:08):
know all the numbers.

Speaker 7 (32:09):
And so if if a if a if a wreck occurred,
say in in say Pickens County, or the at fault
driver was from Pickens County or whatever the situation would be,
they would know. They would take that into account and say,

(32:31):
well that that case may have less value. We think
it's going to have less value that if it was
somebody say from Allendale County or you know, Orangeburg County
or something like that, so then what do.

Speaker 1 (32:42):
They do with that knowledge? Are they do they try
to offer a lower settlement to begin with, yes, to
try to keep it out of court totally, I guess.

Speaker 7 (32:50):
Yea, yeah, they try to offer a lower settlement. And
you know, I'll be on the you know, I've certainly
had I don't even know how many I can't even
count the number of times I've been on the phone
with an adjuster, speaking to an adjuster or a lawyer
for an insurance company and they've said, you know, hey, Jim,
this this is you know, this case is going to

(33:11):
be in you know, Newberry County, or this is going
to be in Sparkman County or whatever. They'll say, whatever,
whatever it is thinking, you know, just pointing out to
me that, hey, we know this is a conservative venue
and you've got a factor that you've got to be
realistic in what you think this case is worth because
it's in a place where you know, our data or
our belief is that just the the average court verdicts

(33:33):
are lower. Right, So that's something that's a little unfair.
And I'll tell you, you know, just a couple of things.
Number One, there there's nothing you can do about it,
as the injured person. I mean, you don't peck whogins
you and I guess you could just decide not to
drive around Pickens or Anderson County or let them drive

(33:53):
here or let them you know. But but what what
you can do, as far as mean as a lawyer
can do is you know, we also have you know,
can have access to databases. I've got you know, access
to this and you should just know that Historically, I
think people are less mobile and and there were less

(34:15):
outliers and a little more uniformity in the in the
people who would show up for jerry duty. It's gotten,
it's no longer, it's no as consistent as it used
to be.

Speaker 1 (34:28):
Yeah, again, you'd like to think, you know, what's good
for the goose is good for the gander, but there
are a lot of things that can affect that.

Speaker 7 (34:36):
Just don't let them, you know, don't let them intimidate you.
And if people people been intine accident, give us a
call they go uh, they can reach us at eight
zero three three five nine three three zero one, or
online at Snell Law dot com. That's three L's spell
law dot com. All right, JA, boy's good to see it.
But we're out of time, Thanks man.

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Speaker 1 (37:14):
Hey, welcome back to the Health and Wellness Show on
one O three point five FM and five sixty AM
WVOC and welcome back to Christy Cox who was with
us a month or two back. Christy Cox with the
Providence Home here in Columbia. Christy, good to have.

Speaker 9 (37:29):
You back with so great to be back with you. Gary.
Thank you.

Speaker 1 (37:32):
We were on a month or two back talking about
the big gala that you had coming up.

Speaker 2 (37:37):
Yes sir, and I hope things went well with that.

Speaker 9 (37:40):
It was, it was pretty amazing.

Speaker 10 (37:43):
You know. We had Willie Robertson from Duck Dynasty come
in and that was right, that was the week before
the hurricane, right, yeah, And so I didn't in my
personal house. We didn't have power for nine days, so
I went and stay with my friends. Well, my husband
held down the fort so I could, you know, have
a shower before we met Willie Robertson. But you know,

(38:06):
all things considering, it was pretty miraculous what the Lord did.

Speaker 9 (38:10):
And we had it at Shandon.

Speaker 10 (38:12):
And again, the funny thing is like in the middle
of this they were having this big hurricane relief effort,
so it was it was crazy town, but it worked
out good.

Speaker 1 (38:24):
Well good, yeah, all's well that ends.

Speaker 9 (38:26):
Well, yes, exactly exactly.

Speaker 1 (38:28):
Well, this is that time of year, and let's let's
reset here. Christy. I think most folks have heard of
Providence Home, but maybe some folks aren't exactly. I don't
know exactly. All it is your mission and what you
do with Providence. Let's start there again today.

Speaker 9 (38:44):
Well, thank you, thank you.

Speaker 2 (38:46):
Yeah.

Speaker 10 (38:46):
Providence Home now is almost sixty two years old and
a lot of folks don't know about us. Actually, I
call us the we you don't see because a lot
of people, you know, Oliver Gospel is a wonderful organization,
has its foot print in Columbia for a couple hundred years,
I think, so Providence Home less so, but we have
been around now more than six stay decades and we

(39:08):
are a ministry for men breaking the shackles of addiction, drugs,
and incarceration. And so we have this tidy, nice little
campus on North Main Street and we can house sixty
men and we are for transitional housing to these folks.
So our guys come in, they have to be interviewed.

Speaker 1 (39:28):
We say, you don't just take anybody and everybody.

Speaker 9 (39:30):
That is a process, right right, there is a process.

Speaker 10 (39:32):
We you know, we certainly have men who are or
have been homeless, but we're not a homeless shelter per se.
We want guys to come into the program who have
really said enough. You know, I don't I want to
change my trajectory. I want to be there for my family.
I want to get back into the community. And so
we try to take those men that are really ready

(39:53):
to transform their lives, and then when they get to us,
they have to work.

Speaker 9 (39:57):
If they're able bodied, we help them get jobs. We
hook them back up with all.

Speaker 10 (40:01):
The security nets, medical, dental, you know, to get their IDs,
everything they need to get back on track.

Speaker 9 (40:08):
And then we have some programming and.

Speaker 10 (40:10):
We are on abashedly christ focused, but certainly we don't
discriminate against anyone, and we have men from every faith
and background as part of our Providence Home family. And
usually we say guys stay between four and twelve months.
But one of the best things about Providence Home is
there's no okay, you have three weeks to get healthy
and we're sending.

Speaker 9 (40:29):
You back out.

Speaker 10 (40:30):
If a guy is working and working in the program
and it has come to himself enough to know, you
know what, if I leave right now, I'm just going
to be triggered.

Speaker 9 (40:39):
I'm going to go back. He can stay. And so
that's that's been a real blessing.

Speaker 1 (40:44):
I was going to ask you, how how would you
go about making the decision? Went okay, time is up,
and it's time to get back out there and become
a you know, a productive member of society and to
your family as well.

Speaker 10 (40:56):
Right we have our program director and our caseworker who
really get to know these guys pretty well, and we
just work with them on making those kinds of assessment.
And you know, we don't want it to turn into
a place where a guy wants to stay just because,
let's face it, it's inexpensive. You know, they pay one
hundred and twenty five dollars a week for all their
meals and all their laundry, which is quite a deal.

Speaker 9 (41:19):
But but we don't want to do that.

Speaker 10 (41:21):
We really work with them to see, okay, is this
guy can can he really go back out into the community.
And some of that assessment might include, you know, has
he restore relationships with his family, does he have a
bank account, what does employer say about him? How's his job,
where's his spiritual life? So we have all these these
kind of things where we can assess are you able

(41:43):
to go out instance.

Speaker 1 (41:45):
So again, Providence Home is not just an organization that
you know, gives somebody a roof over their head for
a night or a hot meal. There are needs for
you know that that's a need out there that needs
being met by organizations. But it's a rehab program. It
sounds like.

Speaker 9 (42:02):
Yeah, I mean it's we don't do rehab. We take
guys who have already been through rehab.

Speaker 1 (42:07):
But rehab from a just your soul.

Speaker 9 (42:09):
In exactly, we provide that transition.

Speaker 10 (42:12):
It's hard to come straight from you know, being at
say a Morse village and getting clean, but then going
right back to the same place that that got you
in that predicament.

Speaker 9 (42:22):
So we were that landing pad You're.

Speaker 10 (42:24):
Exactly right, and that transitional to hope to really help
them hopefully transition to the next phase of their life.
And and you know, we have to be honest. Everyone
who has dealt with addiction, which is most of us,
even if it's not in your family, knows it's not
easy and knows that triggers come and it's really it's
a really really hard walk with lots of setbacks.

Speaker 9 (42:48):
But there are guys who overcome and those are the
ones that we celebrate.

Speaker 1 (42:53):
What would you venture to say? And I'm sure this
changes from time to time, season to season, year to year,
decade to decade, but the success rate in being able
to turn lives around, I mean, it's got to be
heartbreaking when you invest so much time into somebody and
it doesn't work out, but it happens.

Speaker 10 (43:10):
Yeah, I mean, if you looked at it was if
it'd be like a baseball game and you looked at
the numbers and you know, like what success looks in baseball,
and real life would be like, oh, that's not very successful.

Speaker 9 (43:21):
You know, that's exactly right, exactly.

Speaker 2 (43:24):
You're an all star exactly.

Speaker 10 (43:26):
And so that's kind of how we like it. An addiction,
there are I mean are there are plenty of success stories.
There are a lot of men who come back, who relapse,
but then they come back a second time and they
are much more successful the second time.

Speaker 9 (43:41):
But it's just it's you know, the funny thing, Gary
and I might have talked to you about this before.

Speaker 10 (43:46):
What we see a lot of time is that actual
happiness can trigger a guy. Like we had a guy
who had his license gone for fifteen years, all the
things that he did, he finally earned it back.

Speaker 9 (44:00):
He had his own truck. He was so excited. Well,
when the DMV handed him that.

Speaker 10 (44:04):
Driver's license, in his mind, like all of us, the
first thing he says is, Ah, this great thing happened
to me.

Speaker 9 (44:10):
I want to go celebrate, you know. And so he
wants to go have.

Speaker 10 (44:13):
A drink because that's how a lot of people celebrate,
and so they fight that a lot when good things happen.

Speaker 9 (44:21):
Honestly, tax time.

Speaker 10 (44:24):
Is a trigger because when guys get kind of an
influx of cash, that.

Speaker 9 (44:29):
Can be a trigger.

Speaker 10 (44:30):
So it's addiction is just an evil foe, and you
just you literally have to have the constitution to wake
up every day and say, I for this minute, I'm
going to be sober, and the next minute, I'm going
to be sober.

Speaker 1 (44:41):
And for folks who've not been through that or had
family members as you men should go through. That's that's
for life. Yes, yeah, I mean, the same tendencies that
got you that situation to begin with can can strike
you five, ten, fifteen years down the row.

Speaker 9 (44:58):
And we see that.

Speaker 10 (44:59):
We had a guy in our program who was if
you had told me anyone in the world would relapse, I.

Speaker 9 (45:05):
Would say, but not him.

Speaker 10 (45:06):
I mean so like he could work at a bar,
he could be around beer, he could be and he
was so anti everything, you know, he was just so
squared away. And then something happened and he relapsed. And
it was just stunning because he had been clean for
years and years and years and adamantly so like totally

(45:29):
at peace, and then something triggered him and he's back
in the pit again.

Speaker 1 (45:33):
Yeah, this time of year, the holiday time of year,
it's tough on a lot of people. I suspect it's
very difficult on the men in your program that maybe
separated from family and friends and such. I mean, it's
gonna be hard.

Speaker 9 (45:51):
Yeah, you're exactly right.

Speaker 10 (45:53):
More than any other time of the year, this is
when we really are very purposeful in dealing with our guys, because,
like you said, when we all think of holidays, it's
home for the holidays. And you know this this season,
after this election, there might be some arguments and and
everything else, but still, I mean, you're home for the holidays,
and family is family.

Speaker 9 (46:14):
And so if you're a.

Speaker 10 (46:15):
Guy who has been addicted or in jail or done
both and kind of really blown up your family, this
is the time when those those demons come back and
really haunt you, and and the what ifs, and the
loneliness and the you know you just you know, that
holiday feeling. You just want to feel warm and fuzzy
and surrounded by love and that that hope of the season.

(46:38):
And so while we can't give them their their their
biological families, this is the time that Providence Home staff
and and all the people who generously donate, and our
churches really come around our guys, and as much as
we humanly possible, we try to make Providence Home their
family and their home, and not just about good meals

(46:58):
or gift cards or things, but really help them feel
loved and support it during this time you.

Speaker 1 (47:06):
Mentioned churches and other organizations. I mean, it really is.
It's a team effort with what you do, because I
think we talked a few months ago that it's not
like you've got a lot of a huge staff of
folks over there that's exactly right for Providence Home, but
you rely on the help of so many others.

Speaker 10 (47:20):
Yeah, we actually have a very very small staff and
it's kind of remarkable what we can do. We really
only have five or six paid staff from the outside,
and then the rest are guys who have gone through
the program who help us out in various divisions like
doing the laundry and security, and.

Speaker 9 (47:37):
That's all important.

Speaker 10 (47:38):
But the kind of the office ministry staff is very
very small. But like I always say, God does a
lot with a little and we've been so blessed. We
don't take state or federal funding at all, and that's
just because we want to maintain our autonomy, and we
want to kind of be able to work with our
men in the way that we see fit with any

(47:59):
kind of you know, with those government chains sort of
telling us what we need to do.

Speaker 9 (48:03):
And so when you do that, you.

Speaker 10 (48:05):
Lose a lot of funding obviously if you're not accepting it.
And so that's where our churches and individuals and corporations,
faith based folks come in and they really help us
out because they believe in our mission and they're just
a blessing. They especially this time of year, we get
countless turkeys and church groups coming in and you know,

(48:26):
they'll come in and they'll cook this amazing meal and
then they you know, do bingo with the guys or
seeing Christmas carols and you know, it's just those little
things during this especially this time of the year, that
means so much.

Speaker 1 (48:37):
Yeah, and then you get into the new year, and
for so many people that's okay, you know, time to
make a commitment to do this or that, a fresh
start and this or that and again. But for some
people the new year can can be kind of wow, Okay,
it's a new year, and here I am again. But
what an opportunity to turn things around right, right, folks

(49:00):
who have an opportunity to do more than most people
when it comes to turning their life around here.

Speaker 10 (49:04):
Yeah, and we really do hope that during the holiday
season that that we lay that groundwork, that that you
that there's enough hope infused in them that they see. Okay,
you know, we all get a creen, clean slate. You know,
whatever your religious belief is, I believe with Jesus he
when we repent, he gives us a clean slate. And
we try to have the guy see that that you're

(49:26):
your yesterday's don't define your tomorrows. So you're right, you know,
in January can be a little bit of a slog too,
But okay, let's get at it. We we we've got
through the holidays, We've learned some lessons about ourselves and
you know that we can cope. And now let's make
it a goal that next Christmas we will be with
our families, right right?

Speaker 1 (49:48):
Are they allowed of the men allowed to see their
families at all while they're a Providence home? How does
that work? Where they go out to work, I know,
and come back, but are they allowed to leave and
spend time if through the holidays of family.

Speaker 9 (49:58):
Member yes, they absolutely are. They have to get a pass.

Speaker 10 (50:00):
They have to get it's called just a week in pass,
and they just have to justify what they're doing. So certainly,
if they're going to go with their families, they can
get a weekend pass, and you know, as long as
it's a good reason, we will let them go. But
they're not allowed absolutely have to refrain from any substance
while they're away, and then when they come back.

Speaker 9 (50:22):
Yeah, yeah, exactly, And a.

Speaker 10 (50:24):
Lot of times we will do random drug tests when
they come back just to keep them on track. But
I will tell you, you know, there's there's one story
that just blows our minds. This This gentleman Tom came
in less than a year ago, and he was so.

Speaker 9 (50:43):
Just out of it. He was just so broken.

Speaker 10 (50:45):
He had tons of anger issues and to the point
where we thought he won't be able to do this
because he was just so angry about everything and and
you know, fighting this addiction and just had a lot
of a.

Speaker 9 (51:00):
Lot of things in his background.

Speaker 10 (51:01):
Well, it was just like watching a walking miracle because
for a couple of months he sort of stayed in
that bitter space and then all of a sudden, he
started really participating in chapel and all the time he'd
be talking to our caseworker about he's going to get
his daughter back. He's gonna, you know, this is his goal.
And at the time, honestly we're like, okay, that's a

(51:21):
good goal. But you know, really, you wonder how someone
who's so broken can even go about that.

Speaker 9 (51:27):
Well lo and behold, a year later, he transformed himself.

Speaker 10 (51:31):
I mean he you know, through through God, but he
got his mental health together, he got his spiritual life together,
and he got his daughter back. Yeah, and it's just
he's just a great dad and it's just amazing to
watch him with his daughter, and so those are you know,
that doesn't happen all the time, but when it happens, man,

(51:52):
you just that's why you're here.

Speaker 9 (51:54):
You know.

Speaker 1 (51:55):
How can folks help out Christy?

Speaker 9 (51:57):
That's a wonderful question.

Speaker 10 (51:58):
We always love doing itations, donations, even ten dollars. We
can get five meals for a guy for ten dollars,
so that's huge. We call it a white Christmas. If
you want to donate anything white, think undershirts, think socks,
think paper towels.

Speaker 9 (52:16):
Toilet paper, toilet paper, toilet paper.

Speaker 10 (52:18):
There's always huge I love to take that and that
we are campus physically is located at three four to
two one North main Street, and if you're familiar with
North main Street in the area, it's literally right next
to Burger King on North Main Street. Yeah, so before
you hit Monticello Road, and you know that area actually

(52:39):
is really being referred to so wonderful.

Speaker 9 (52:41):
Yeah. Yeah, so it's it's pretty cool to be there.

Speaker 10 (52:44):
And then if you want to donate online again ten
dollars goes a long way. It's Providence Home Columbia dot
org RG.

Speaker 1 (52:54):
All right, so yeah, consider this as a as a
gift this this this holiday season.

Speaker 9 (52:58):
That's exactly right.

Speaker 1 (53:00):
Yeah, Christy, always good to see you.

Speaker 9 (53:02):
Appreciate you so much.

Speaker 1 (53:03):
Frank hek you buy and we'll talk again.

Speaker 9 (53:05):
So all right, Merry Christmas, Verry Christmas, take care, thank you.

Speaker 1 (53:10):
The lawyers and staff at the law office of James
Snell are there to help those with injuries and workers'
compensation claims, car accidents on the job, and other accidents
resulting in injuries. They want to help everyone resolve their
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(53:31):
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to take every small mishap, but focus on real injuries
that deserve to be taken seriously. The Law Office of
James Snell. I'm Jim Snell. Contact me at Snell Law

(53:53):
dot com. That's three l's spell law dot com. The
Law Office of James Snell since two thousand and four
with the office is in Lexington and Columbia.