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December 14, 2024 • 54 mins
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Speaker 1 (00:15):
Welcome in now time for the Health and Wilnas show
here on one of three point five FM and five
sixty AMWVOC. Good to have you along. My name is
Gary David. You're just tuning us tuning end to us
and missed us on the Home Improvement show in the
middle of Remember I get in here at eight o'clock
on Saturday mornings for that, so join us for that too.
If you've been hanging out all this time, thanks for
sticking with us. We appreciate that. Coming up, we'll talk

(00:36):
about clean breathable air. Larry Harris, the owner Classic System's
going to drop by John Farley, Matthew Terry Preservation Specialists.
They're on the docket today as well. But we get
started on this fourteenth day of December, now just eleven
days away from Christmas Day, with Jim Stow from the
Law Office of James. Now, you got all your stuff done?
You ready? H Yes, I'm I'm gonna call it.

Speaker 2 (00:59):
Yes, you gonna say if you have you know, of
course if if if you don't try to do too much,
you know it's not too bad.

Speaker 1 (01:06):
You gotta do like that?

Speaker 3 (01:07):
Uh?

Speaker 1 (01:07):
What was that? I love that commercial? Samuel L. Jackson.
I don't know what the commercial was for, but he
was shaking his head. He was shaking his head yes
and saying no and something. It's yeah, yeah, I've got
work to do here. Hey been man, I'll just I'm
doing great. Uh. You know Clemson failed forward into the playoffs?

(01:31):
Yeah right right, Uh, you're a big Clemson fans, something
established in the past.

Speaker 2 (01:35):
I was going to say, you know, it was just
one of those things. I don't get to look forward
to the uh Texas game, right right, you're looking forward
you know, of course, you know Texas plays awful, Clemson
has the best game of the season.

Speaker 1 (01:48):
They could do it. But you know, yeah, hey but
you're you're in the playoffs. We were there.

Speaker 2 (01:55):
Yeah, we're there. So it's better than you know, the
Humiliation Bowl. Uh uh you know, what's that one out
in Boise on the blue field or please you know
there's other stuff that's just not as uh toens of fans.
We'll travel to Boise to see our team playing that. Yeah.

Speaker 1 (02:13):
Right, So yeah, let's talk a law man. All right,
what do we get today? Well, it's good, say, okay, so.

Speaker 2 (02:22):
Well a couple of well all right, I thought just
be interesting talk a little bit about uh, you know,
workers compensation, which is one of one of our big
practice areas.

Speaker 1 (02:31):
And we don't talk a lot about workmen's com we have,
but we have it.

Speaker 2 (02:35):
You know, it's not it's uh, I mean it's actually
you know, people to get hurt. I mean, you know
work are you know, doing some kind of work function.
I mean it's actually, you know, a really significant system.

Speaker 1 (02:47):
But I think most people think, Okay, I'm covered by
workman's comp. That's pretty cut and dry. There's you know,
why did you get an attorney here? You know, I
mean it's workman's comp. But I'm gonna they're gonna pay
for my stuff? Is it? Is it that simple?

Speaker 2 (02:59):
So sometimes i'd say something as it can be first
thing I'll talk about, I say, at orcers comp. It
was the original tort reform and up until the creation
of this workers' comp system, which they used to call
the Industrial Commission. You know, as you go back in
the eighteen hundreds early nineteen hundreds, when anyone would get

(03:22):
injured right work at work, their remedy, if the employer
didn't just out of the goodness of their heart give
them some money, would be to file a lawsuit and
have to sue the employer for negligence, okay, And that
requires the employer to have had done something wrong or

(03:44):
made some kind of mistake. And that excludes an awful
lot of injuries where the employer actually didn't do anything
to cause it.

Speaker 1 (03:53):
Right.

Speaker 2 (03:54):
I mean, certainly there are people who get injured and
maybe the employer had done something. But oftentimes, you know,
people get hurt and it's their own fault, a co
worker's fault, you know, a vendor, a supplier, just I mean,
it's somebody else, all right. So the first thing I'll

(04:15):
mentioned about workers Comp and a lot of people just
you know, talked to people over the years, they don't
didn't realize it. If if you are doing if you're
injured in some way, they'll call it a rising out
of the course of your employment.

Speaker 1 (04:34):
You're covered, okay. And that doesn't mean just at the
work site, right does not? Uh?

Speaker 2 (04:40):
If you are uh say you take a trip to
uh Walmart to get office supplies and you you you
trip and fall in the store, you're covered by workers Comp.

Speaker 1 (04:55):
Can't double dip though you can't see Walmart too, Then here.

Speaker 2 (04:57):
You absolutely can you And and I'll tell you. Common area,
where we'll call it double dipping, is where people who
have to drive for work and get in car wrecks.

Speaker 1 (05:11):
Those my next question. Let's tell my salesperson yep, and
my job requires me to be on the road on
a regular basis, so covered.

Speaker 2 (05:17):
Right, You're covered. Now, say say you're driving for work
and you get in a wreck and you get hurt,
and it's your fault. Okay, just that that was my
next question. It's your fault, you ran a stop sign,
you were texting and driving, ran off the road, whatever,
that's comp Okay. You will be covered by the workers
compensation system even though it's your fault, even.

Speaker 1 (05:37):
Though it's your fault, because you would have been out
there had your job not required you to criss right, okay,
And workers comp is really a no fault system, and
that's the benefit. You know, you don't you remove.

Speaker 2 (05:48):
The the arguments over liability to come as close as
you can to guaranteeing people injured at work faster access
to medical care and benefits, and then they would otherwise
receive if they just had to rely on traditional litigation.
That workers comp is also called the exclusive remedy, meaning

(06:12):
that if you are covered under workers compensation, you cannot
sue your employer for the injury, so you can't you
can't decide workers comp or a lawsuit. You have to
go through comp. Okay, So you.

Speaker 1 (06:26):
Can't say no, I want to forego the comp and
sue because I got a bigger payday. Okay, right.

Speaker 2 (06:31):
Because because workers comp again, the benefits are can be
more certain, but they are can be less comprehensive maybe
than if you get than if you were to follow
lawsuit and kind of get everything you could you could get.
For example, in workers compensation, there is no pain and suffering.

Speaker 1 (06:51):
That's a big one.

Speaker 2 (06:54):
And uh, in workers compensation, you're entitled to compensation for
time you miss from work due to the injury. But
it's two thirds of your averagely good wage. Right and
there are also subject to some caps, whereas very highly
paid employees may not actually get the full two thirds

(07:17):
they could get, you know, reduced them out because there's
a cap. That cap kind of raises every year. But
and the other thing at workers comp it's it's generally
for required when employers have I think it's four more
employees regularly. So if if somebody you know, just so

(07:40):
if you're a small small business sol moves. Yeah, there's
just like you know, one other employee or something. The
employer is not required to carry comp or cover you,
but they can, you know, they can purchase the policies
and employers what they do is they hire. I mean,
they purchase basically a private insurance policy through a for

(08:01):
profit insurance company to provide the benefits and the coverage.
So when people get hurt, you know, oftentimes their first
contact is with an adjuster with the for profit insurance company, right.
And of course, sometimes the adjusters are very good about
quickly admitting covered claims. They're good about quickly getting people

(08:27):
approving access to medical care, pretty quick about getting the
check started for the weekly pay. But oftentimes they can
kind of drag their feet or even deny claims that
are legally valid and they should honor.

Speaker 1 (08:42):
That's a hot word these days, isn't it. It is?

Speaker 2 (08:46):
And one of the one of the things that kind
of realize when I started doing this work, gosh, you
have twenty years. There really aren't penalties assessed against employers
are the insurance companies for either unreasonably delaying coverage or
delaying the claims or denying claims even though I think

(09:06):
everybody pretty universally understands that if you delay treatment for
a lot of injuries, you can have a worse ultimate outcome. Sure, yeah, so.

Speaker 1 (09:19):
Well let me ask you this, then this is the
only remedy you have available to you. Yes, Workman's comp
you go through the process and your claim is denied,
is that it? Can you then go after your employer? Okay?
So if the what would.

Speaker 2 (09:41):
Again typically not in litigation, if it would be something
that would be covered by workers comp or should be
covered when the adjuster, typically are that for profit insurance
company denies the claim or just delays it. You know,
maybe they just they keep dragging their feet installing. Like
in my office when we are contacted by someone who

(10:03):
has a claim that they're not yet getting the benefits,
it's not you know, it's not on track yet. I mean,
I mean typically the very first thing we do is
go ahead and ask for a hearing before the Workers
Compensation Commission. You know, there's a there's paperworky file, there's
a fifty dollars filing fee, I think, and and that
gets you in line to get a hearing scheduled. And

(10:27):
and it can still take a little while to get
the hearing, you know, you don't get them next week.
And that way, if the employer or their insurance company
before the hearing would be scheduled, if they say, hey,
we we agree, we're going to cover this, you can
just reach you know, get an agreement reduced to writing
sort of specifying you know, what the what body parts

(10:49):
were injured, and what medical care is going to be.
But if they don't, then you have a hearing to
go in and explain to a commissioner what happened, why
it should be covered, and what benefits it's. Uh, you know,
we're seeking on behalf of a client.

Speaker 1 (11:02):
So in an instance where somebody has u got a claim,
it's been denied short of you know, contacting somebody like yourself,
do they have any recourse if they try to do
this on their own?

Speaker 2 (11:21):
I mean, I mean people are allowed to attempt to
represent themselves before the Worker's compommission. And I tell you
a lot of times so the thing about workers comp
I mean, there are a lot of i'm gonna call
it smaller injuries where people can you know, where where
maybe there's nothing a lawyer can do to add value anyway,
they have small injuries. It's gonna heal, you know, fully,

(11:44):
it's not gonna you know, result any kind of permanent
what they call impairment. And there actually are some streamline
procedures in the Workers Comp Commission to provide for a
resolution of those where people don't have lawyers. But you know,
typically anything that involves some more extensive injury. You know,

(12:05):
we're talking things that result in scarring, orthopedic injuries, you know,
broken bones, things where they had to have surgical intervention.
You know, common injuries you know we see or are
you know, like what the col upper or lower extremity fractures,
shoulder injuries, backs, you know, a real significant number of

(12:26):
the back fusions in South Carolina are are provided through
the Workers Comp system. And those situations almost always people
can benefit by having a lawyer, even if the claim
is approved, because one of the other benefits, beyond the

(12:50):
medical care and those weekly checks art is going to
be a payment for any kind of permanent impairment that
is determined after the person finishes their medical treatments. Okay,
so there is a book called the AMA Guidelines to
Permanent Impairment that explains how medical professionals should determine what

(13:14):
that impairment is based on a rating. And so often
because in workers Comp, the insurance company gets to pick
the doctors. Oh really, that's yeah, that's a that's a
big thing. And uh and there are an awful lot
of very good, uh physicians that are signed up to

(13:34):
take Workers' comp patients and provide the treatment and uh.
So often we'll have a situation where the medical care
provided has been great, you know, the doctors they picked
at a great job. But then when it comes time
to determining that final rating, you know, I guess what,
they don't want to bite the hand that feeds them,
and those uh, you know, we'll see situations where I mean,

(13:56):
there's a book you know, you don't have to be
a doctor to to, you know, read the chapter and
kind of look at the chart and kind of estimate
or figure out where where it should be or where
it could be.

Speaker 4 (14:08):
Uh.

Speaker 2 (14:08):
And we'll see ratings come back that are just I
mean not even are so low they're impossible under the guidelines, right.
Or we'll see people that have, you know, a shoulder surgery,
their shoulder is definitely not as good as it was
prior to the injury, and the original you know, treating
physician will give a zero percent rating, right, which is

(14:28):
just you know and.

Speaker 1 (14:30):
Uh, big red yeah, big red flag.

Speaker 2 (14:32):
And and so oftentimes in those more substantial cases, getting
a lawyer, even if the claim is accepted, does result
in people getting at the end of the claim getting
more money even after paying all their legal fees and
costs than they would if they just you know, try
to settle directly or are taken you know, done it

(14:55):
on their own.

Speaker 1 (14:55):
And is it like in the personal or the personal
injury work that you do, which still don't a it's
a contingency basis.

Speaker 2 (15:03):
Right, So people it doesn't cost any money to have
us to meet with somebody, talk to them about, you know,
the accident, what happened, what the what their injury is,
and to to you know, And I'll tell you I
mean a lot of people, you know, we talked to
a lot of people that you know, we signed their cases.
But I also regularly talk to people and say, hey,

(15:24):
you can handle this on your own. You'll get more money.
Other thing about one other thing. I will also add
oftentimes in workers' comp cases where we have injuries that
come from maybe equipment manufacturing, equipment or heavy equipment or
are something. You know, we also have to screen this

(15:46):
cases for product liability claims against you know, if there
was some sort of improperly designed equipment without good safety
features or something, because again those can be separate claims
against the manufacturer of the equipment that are separate from
workers comps.

Speaker 1 (16:05):
Okay, so that doesn't fall under workmen's com that's a
different Okay. Now you can get into a pain and
suffer anything.

Speaker 2 (16:10):
Yeah, and I'll tell you another example is we had a
you know, there's situations where maybe for like a warehouse
worker for example, that they have employees of the facility
and contract workers or vendors who are in there. For example,
say you work in a warehouse and a non employee

(16:31):
of the company is in the facility operating a forklift
and they, you know, injure somebody with forklift. You then
have the comp then you can sue the actual employer
of the forklift operator in tourt.

Speaker 1 (16:47):
So this is something we earlier. You're a practice you'd
have to deal with, but hypothetical here because we still
have a number of people who work at home. Yes,
you're working sensibly at home, and something happens and you
get hurt but you're on the clock. Do you have
a workman's complaim.

Speaker 2 (17:07):
That that gets and I will tell you that gets
that that that scenario gets pretty dicey pretty quickly. And
what I would what I would say is folks that
have especially serious injuries, you know, when working from home
during you know work, may want to reach out to

(17:29):
an attorney of or you know, law office like mine
as soon as possible, because I mean, the insurance companies
are going to be, you know, asking for recorded statements.
They're going to be looking very critically of those situations.

Speaker 1 (17:44):
Because actually logged onto your computer or whatever. Yeah, correct,
and they're going to there. There's going to be a
lot of.

Speaker 2 (17:52):
I'll call it close scrutiny on those type situations because
I mean, again, what happens so often is somebody will
get hurt. They will when the insurance company kind of
gets their I don't, I don't just call them, but
they start scrutinizing a claim. They do like to have
people do these recorded statements prior to them getting lawyers, right,

(18:16):
and then you have to lock them down into a story.
And if you forget to say employed, you know, if
there's some important details you you forget or you don't know,
you should say that that could be something that could
be a defense later on in the process for the
for the company.

Speaker 1 (18:32):
But all most of these, most of these claims are
work pretty well. I mean, it's fair adjudication. It most
times your typical workman's comp case goes without too much
of a hitch.

Speaker 2 (18:44):
I'm guessing a lot of times it does. And I
will also say a lot of times it doesn't.

Speaker 1 (18:48):
Okay, all right, and if it doesn't, you need to
call this absolutely okay.

Speaker 2 (18:52):
So we're we are. We take cases of course all
over South Carolina. Main offices in Lexington. It is free
consultations and we take these cases with no money up
front on aunt what's called a contingency and that just
means we were paid a percent of the recovery. The
number is eight zero three three five nine three three

(19:13):
zero one. And people can also visit us online at
snow law dot com. That's three l's snow law dot com.
All right, have yourself merry Christmas, Berry Christmas.

Speaker 5 (19:22):
Hi, this is John Farling. Now let me ask you,
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Speaker 1 (19:28):
Here's what I mean.

Speaker 5 (19:30):
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 6 (19:39):
You inflation proof it.

Speaker 5 (19:41):
Our team at Preservation Specialists can show you strategies to
help combat inflation so it doesn't outpace your retirement income.
Call us today at eight O three nine retire to
learn more. Inflation could take a huge chunk out of
your retirement savings, but it doesn't have to. With some
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(20:01):
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Speaker 6 (20:12):
That's eight three nine retire.

Speaker 1 (20:14):
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Speaker 4 (20:21):
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(20:42):
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(21:05):
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Speaker 1 (21:43):
John Farley Matthew Terry from Preservation Specialists are here with
a bit of a checklist for us things we need
to be thinking about.

Speaker 6 (21:50):
Hey guys, yeah, good morning and Gary, Hey, good morning.

Speaker 1 (21:52):
How y'all doing good? Good for Christmas? Right? Oh yeah?
Oh yeah yeah absolutely one thing you can always know, guys,
are about you ready for Christmas?

Speaker 3 (22:01):
Yeah?

Speaker 6 (22:01):
Oh yeah yeah completely yeah, good to go.

Speaker 1 (22:06):
Well, maybe I'll get around of thinking about it coming
up next week's that's my plan anyway, all right. So,
but things that we aside from that, we need to
be really planning on, of course, as you know, securing
our future and preserving our future. So as we get
here towards the end of the year, maybe some some
action item type things that we need to be considering.

Speaker 7 (22:29):
Yeah, 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

(22:50):
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 3 (23:06):
You know.

Speaker 7 (23:07):
Part of the reason that people have to take required
minium distributions, Uncle wants his money, right absolutely, 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 substantial, is it really, right? Yeah, 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 (23:30):
That's and tariff kind of number right there.

Speaker 6 (23:32):
Man, Wow, weirdly.

Speaker 1 (23:35):
Yikes.

Speaker 5 (23:36):
It used to be fifty actually yeah really 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, no.

Speaker 1 (23:45):
Yeah, and you men, there have been changes in all that.

Speaker 5 (23:49):
And also we generally advised like because here's the thing,
you know, roundupeah, 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 to be sure that you're over the line. 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,

(24:11):
were you ever.

Speaker 6 (24:11):
Close to you know, just just round up, round up.

Speaker 1 (24:14):
A little bit. 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 discount to account
for the taxes. So I guess you do either one.

Speaker 5 (24:29):
But well, well the way it works though, Gary's you
need to take the entire a mount out and then
you can deal with the taxes after the fact. See
in other words, so let's just say say your your
number is, I don't say twenty five thousand that you
have to take out. You you must take out twenty
five thousand, right, and then you pay tax on that exactly,
see what I mean?

Speaker 6 (24:48):
Yeah, yeah, yeah, well you got I guess you.

Speaker 1 (24:49):
Could take out the twenty five but then say all right,
we're gonna withhold.

Speaker 6 (24:53):
Yeah exactly, that's yeah, exactly.

Speaker 1 (24:54):
Yeah. Some people say no, I'll just I'll just deal
with that next year.

Speaker 5 (24:57):
Absolutely yeah yeah yeah, so you want it, yeah, But
but depends on the person. Some people are very we
want to you know, but you also want to be careful.
That's a whole other issues. 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

(25:17):
there as well, if you if you don't like, if
you just push it all off until April fifteenth, that
could cost you to Yeah.

Speaker 7 (25:24):
You're spot on. You know, the tax code over eighty
thousand pages. So I'm not sure the last time you've.

Speaker 1 (25:29):
Read that, or yes, sometime next week I think in.

Speaker 7 (25:34):
Your open calendar of course. But but no, you know,
just like John said, I, if you don't withhold enough taxes,
you get hit with underpayment penalties. And it's just one
of the nuances of our tax code, right.

Speaker 1 (25:44):
We have many penalties, as Uncle Sam have, and there's
a penalty for everything.

Speaker 7 (25:48):
And you got that right, you know, we're under a
pay as you go system, and that's part of the
reason that oftentimes the easiest approach is simply to just
go ahead and withhold the recommended taxes. Is 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 (26:08):
Yeah, you don't want that that letter from the IRS, No, sir,
so RMDS absolutely.

Speaker 7 (26:15):
Rm DS is one point, you know, 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.

Speaker 6 (26:29):
You know, we're up so far, you're todate.

Speaker 7 (26:31):
I believe it's somewhere around twenty seven twenty eight percent
on the S and P five hundred.

Speaker 5 (26:34):
Which is crazy. Did they say I saw yesterday five hundred?
I'm sorry, fifty four record highs this year?

Speaker 1 (26:43):
Wow? Unbelievableeah, yeah, crazy, Wow. I thought we'd ever see
Dow forty five thousand.

Speaker 6 (26:47):
Yeah, yeah, it's crazy.

Speaker 7 (26:49):
Yeah, yeah, yeah, just a few years ago it was
at thirty thousand, right, it's hard to think.

Speaker 5 (26:55):
Yeah, yeah, absolutely.

Speaker 7 (26:59):
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

(27:21):
is a time that if you're looking to maybe rebalance
your portfolio, find some dogs. 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.

Speaker 1 (27:41):
Right.

Speaker 7 (27:41):
We always want to find that right balance, but make
sure that your your portfolios in check. Uh, to make
sure you have the right balance and helps you accomplish
your goals.

Speaker 1 (27:51):
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 5 (28:01):
There was a yeah, there was a proposal that now
it was it was for people who had a net
worth I believe.

Speaker 6 (28:08):
I think that.

Speaker 5 (28:09):
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 (28:13):
Okay, don't affect me then yeah, yeah, never mind next
until tomorrow.

Speaker 6 (28:16):
Yeah. The whole idea was that.

Speaker 5 (28:20):
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

(28:41):
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.

Speaker 1 (28:46):
Right.

Speaker 5 (28:47):
The debt is the cumulative right. In 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.
We're still adding, right, you see what I mean. 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. There's you know, there's really no other

(29:08):
way to do it. 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 6 (29:25):
You pay the taxi when you sell it, you realize.

Speaker 5 (29:27):
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 I don't think that got anywhere and I don't know.

Speaker 1 (29:46):
Yeah yeah, I don't mean yeah, yeah, catch off track
you to be looking at you, But that only applies
to people, you know what.

Speaker 6 (29:53):
It would have with yeah, plenty of my head. Yeah yeah, yeah.

Speaker 1 (29:58):
Okay, good, all right, So we've got to rebalancing portfolios.
You got rm ds. Absolutely what else we should we
be looking at her? Yeah?

Speaker 7 (30:06):
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 ways that you

(30:29):
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 5 (30:41):
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 let's say there's
a charity you really like and you don't need that

(31:01):
required minimum distribution, you can satisfy the required distribution and
get the money to the charity. Yeah yeah, and 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 personalary financial advisor, because we
do that all the time.

Speaker 6 (31:15):
There are people who, you know, lucky. They're like, hey,
I'm lucky.

Speaker 5 (31:18):
I don't I don't necessarily need this money and I
care about this charity.

Speaker 6 (31:21):
So it works.

Speaker 5 (31:22):
It's a it's a win win nice yeah, nice, yeah,
good good yeah.

Speaker 1 (31:28):
Rugged and pause right there. Yeah, it's so much to
talk about. You know, we got like six minutes left.
How much can we squeeze into here?

Speaker 5 (31:37):
Yeah, it's a lot a lot to unpack, as we say, Gary,
a lot to unpack.

Speaker 1 (31:41):
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, we've done all right. No
I'm not rich and never 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

(32:01):
like me and looking and seeing you know, all the
different options, different ways to go, these sorts of things.
You know, you said it 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 6 (32:16):
Yeah, there's a lot of options.

Speaker 5 (32:17):
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 your 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, even more in some cases, you know

(32:38):
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 (32:52):
Yeah, yeah, yeah, So anything else that is our kind
of our checkl here at the end of the year
that you can think of that we need to be.

Speaker 5 (33:03):
Well, there's there's a couple of things, 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,

(33:26):
therefore the markets are going to continue to continue to
go up. So sometimes it's useful to say, okay it
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.

(33:47):
It was the largest uprun in 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 so
it maybe we're hold my beer.

Speaker 6 (33:58):
Yeah, yeah, exactly. Yeah.

Speaker 5 (34:00):
So the thing is, you know, it's better on where
you are now. 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 prudent to
start playing some defense, you know what I mean, it's
it's prudent.

Speaker 6 (34:14):
To do that.

Speaker 5 (34:14):
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.

Speaker 2 (34:34):
You know.

Speaker 5 (34:34):
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 that. You know, we don't have to

(34:55):
go back too far to see that. You know, that
happened twice. If you look at two thousand in 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

(35:15):
that was a two thousand to twenty 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 eggs, 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 to give us peace

(35:39):
of mind, so that you know, I'm out on the
golf course or I'm 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. So yeah,
use a football analogy.

Speaker 1 (35:55):
I mean, if you if you're up, you know, thirty
points here in the three minutes to play in the
four fourth quarter or whatever, you're probably not blitzing.

Speaker 6 (36:03):
Yeah, yeah, exactly.

Speaker 1 (36:04):
Yeah, you're just kind of laying back and making sure
nothing crazy happens, you know.

Speaker 5 (36:09):
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 bombs. That's it, right, because that's what people know.
That's familiar to too many folks. Uh, 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

(36:31):
like Duke, you know, because a lot of times Duke energy, right,
So a lot of times people will run to utilities
when things get a little bumpy.

Speaker 1 (36:38):
Anybody remember scan exactly right.

Speaker 5 (36:40):
That's the thing right there are generally speaking, when large
bad things happen, everybody goes together pretty far down.

Speaker 6 (36:48):
Like Duke.

Speaker 5 (36:48):
Duke dropped about half of its value from two thousand
and two thousand and two. Right, so yeah, So, so
the idea is there are other options to to create
a peace of mind and give you income and and
play some defense while you're getting to that situation.

Speaker 1 (37:03):
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. Sure, absolutely, yeah, absolutely, yeah,
because there are a lot of things, yeah, other than
stocks and bonds, Yes, certainly, quite a few. We got
a good unemployment report, a good jobs report yesterday, Yeah,

(37:24):
came out, two hundred and seventy seven thousand jobs at it.
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 6 (37:37):
Imagine having that job.

Speaker 5 (37:39):
I can imagine that guy is sipping may Loock's and
Scotch back to back.

Speaker 6 (37:42):
I mean, can't you imagine?

Speaker 5 (37:43):
I mean, not that no pressure, because you're just the
entire world's economy depends on your decisions, you know, I.

Speaker 1 (37:49):
Mean, it's crazy. Yeah, don't put me in that position please,
all right. The preservation specialists Matthew Terry, John Froy always
get 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? Yeah?

Speaker 5 (38:04):
Care, it's eight oh three nine. Retire aight oh three
nine retire and our offices. I know this is the
holiday season. Sorry, you just kind of backed up. We're
near We're right near Harveston, So take that Piny group,
Yeah exactly, Piney Groves.

Speaker 6 (38:17):
You better. Yeah, yeah, all right, you guys have a
great week end, same Dan, Thanks Cary too.

Speaker 4 (38:20):
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Speaker 3 (39:21):
Good morning, this is Larry Harris with Classic Systems. I'm
a certified mold inspector. We can help you test the
air in your home ten minutes per sample, one sample inside,
one sample outside. If we do it in the morning,
we'll have the lab report that afternoon and then we
can discuss with you what protocols you need to take

(39:42):
to clean the air in your home, particularly if you
have coughing, sneezing rashes on your body. This could be
because of mole that's in the air. Let us come
do air testing for you. The fee is only seventy
five dollars per sample and we can get the lab
report back the same day, so you know, if you

(40:03):
have any airborne issues in your home. This is Larry
Harris with Classic Systems eight O three six two six
two seven four eight eight O three six two six
two seven four eight.

Speaker 1 (40:50):
Larry Harris, the proprietor of Classic Systems. Larry good Born
to you.

Speaker 6 (40:54):
Good morning, Gary.

Speaker 1 (40:56):
I want to talk to you this morning about air
purification and how in weather like this and well, let's
hope not, but are we in for a summer of
this kind of weather? Non's top all the way through September,
you know. I mean, if we get continued to get
this kind of heat over the long it's going to
be hot. We know that this kind of heat persists.

Speaker 3 (41:18):
Well, you know this isn't the first time we've experienced it.
In Columbia, South Carolina years ago we had over ten
days over one hundred degrees, So yeah, you know it's
it's But what you're talking about is into air quality,
and that's a huge difference. One of the benefits of
a real air pure fire is it reduces the humidity
level and actually makes the air feel cooler because it

(41:41):
evaporates moisture off your skin.

Speaker 1 (41:43):
It's one of the very first things that I noticed
years ago when I bought one of the Pure Air
fifties from you. I think it was the Pure fifty
I believe. I recall still got it, still run it,
and you turn that thing on and it's like, almost immediately,
the air in the room felt cooler. Absolutely, that's weird.

Speaker 3 (42:03):
And that's because the activated oxygen ozone evaporates moist off
your skin. So if you're evaporating moist off your skin,
you're gonna feel cooler. The air actually feels cooler. But
the benefits of it is it duplicates what God does
in a thunderstorm. Lighting creates negative impositive ionization six thousand
negative ions per cubic synemony meter to four thousand positive.

(42:27):
So if we can put negative and positive charges in
the air, we make all the particles, the dust particles
clump together, get heavy, and settle out.

Speaker 6 (42:35):
Of the air.

Speaker 3 (42:36):
Doctor Larry Arlen and Wright State University did a discovery
program on dust. He said that eighty percent of the
dust in the air is dead skin and that's because
the human being, adult human being sheds four hundred thousand
dead skin cells every minute, and we're breathing in.

Speaker 1 (42:56):
Every minute we've got a lot of skin cells on it.

Speaker 3 (42:59):
Absolutely, we're the number one cause of dust in our environment.
So if you take a halogen light at night and
shine it across your living room or your den at
nine o'clock at night, it would look like a dust
storm because all those particles would be reflected by that
bright light.

Speaker 1 (43:17):
So this is what we're breathing into our lungs each
and every moment of each and every day.

Speaker 3 (43:21):
Absolutely, And I really appreciate James calling us two weeks ago,
and I had a great visit with me and he
got two of the pure are fifties. So we're excited
to help people.

Speaker 1 (43:31):
Terrific and we thank you for listening to James. Thanks
so much, buddy. I know from experience that's going to
work out well for you. Do you just maybe I
shouldn't bring this up just in case it's still not
the policy, but I know it used to be the policy.
The folks could try these systems out for a couple
of days.

Speaker 3 (43:47):
Oh sure, so the case, we've got a pure Air
three thousand self. Yeah, we've got a pure Air three
thousand that actually does up three thousand square feet. It's
the top of our line. And it's about twelve inches tall,
maybe eleven inches deep and ten inches wide, but it'll
it'll do the three thousand square feet. And we've had

(44:09):
people at golf courses at Myrtle Beach that bought these.
And we had one client that was a realtor and
he had a two story house but it was open.
It was because his easl ceiling, so the stairs from
the rear of the house was all open, went up
to the second floor to three bedrooms, the master bedrooms downstairs.
In three days, he wouldn't let me have the machine

(44:29):
back because it cleared the air and his entire four
thousand square feet.

Speaker 1 (44:33):
As long as he gave you the money, that was
all right. It was all open right now. But if
but if you have your typical traditional two story.

Speaker 3 (44:40):
Home, you would need you'd need two of the pure
air fifteen hundreds and two fifteen hundred square feet, so
that would cover three thousand each.

Speaker 1 (44:49):
But how does that work. Let's say not an open
floor plan and you got you know, say a great
room or a living room, and then the hallway and
bedrooms down there and all that off of the.

Speaker 3 (45:03):
Explain, maybe a room over the garage. We've run into
that and a lot of times the Pure fifty will
do three hundred and twenty five square feet, so that
would do a pretty good sized room over a garage.
But if you get the Pure of fifteen hundred. We've
had a lot of clients, particularly over in your neighborhood
and the next neighborhood back towards the interstate, that have

(45:24):
two story homes and they get two of the Pure
of fifteen hundreds and they love it. I've got a
lot of clients over the years that have purchased it.

Speaker 1 (45:32):
So you can actually place one of these things in
let's say a living room, yeah, and it will have
an effect on a bedroom at the other end of the.

Speaker 6 (45:38):
Host exactly right.

Speaker 3 (45:39):
Because the first thing it does, it sends out a
signal of negative and positive ionizations six thousand negative, four
thousand positive. It's just like this radio signal. It'll go
through every wall and so wherever the dust is and
a closet under bed is going to put negative and
positive charges on particles clumped together out of the air.

(46:01):
Now it won't go through metal, so it will go
through We actually had a client in my arm and
the radio signal. Yeah, we had a client in Miami
that was on the third floor. He bought one of
the machines. His cousin on the first floor said the
dust in his apartment was no longer a problem.

Speaker 1 (46:22):
He should have got some money from him for that one. Amen. So,
and I guess I asked this question because what most
people are maybe most familiar with are what they call,
uh these air purifiers that really they don't They don't
function in the same way. That's correctly.

Speaker 3 (46:39):
If you go into a big box store, you'll see
all these devices that say air purifiers. But if it
has a filter in it, it is not an air purifire.
It's a filter that has to.

Speaker 6 (46:50):
Draw the air to it.

Speaker 3 (46:51):
And if you put a filter, one of these wonderful
filters from a big box store in the middle of
your room, put a candle in the on of the
room and light that candle, that filter will never make
that flame flicker because it doesn't have the power to
draw the air to it more than three feet in
circumference of that filter.

Speaker 1 (47:13):
Okay, And that's what a lot of people think of filter.
And you gotta be careful, don't you, because you'll come
across some of these devices they may say air purifier
on the box. But it's not really I don't know
how to get away with that, but it's it's got
a filter. It's a filter.

Speaker 3 (47:29):
That's exactly right.

Speaker 1 (47:30):
So they have to draw the air to it, right obviously,
even as you mentioned in one in a corner one room,
it's not gonna called airspace.

Speaker 3 (47:38):
You're exactly right.

Speaker 1 (47:39):
But again, if you if you put that air filter
in the area of the home where you're your living room,
for example, your great room, you're den, what have you.
So it's not if it didn't have any effect on
the air in the corner, it's not have any effect
on the bedroom down the hallway. That's right.

Speaker 3 (47:54):
Now, filters do fair a fair job. Because the American
Society of Refrigerating, Heating, air Conditioning Engineers the acronym is
Azually they say and I quote that no filter will
ever draw more than fifteen percent of the air to
it ever, because you can't get the air out of
the corner of the room. But what's the difference in
a filter in an air pure fire. It's the utilization

(48:16):
of nature inside your environment. And we've had many clients
that have coughing issues or spells. We had one client
over over in West Columbia near near twelfth Street and
anyw she was having coughts. So we put one of
the Pure fifties in her master bedroom where she had

(48:37):
elevated mole because we did air testing, and within twenty
four hours she no more had costs. We've had other
clients with similar situations. So the Pure are fifty does
an incredible job to get the things out of the
air that could cause coughing.

Speaker 1 (48:52):
Spells and a lot of other things.

Speaker 3 (48:55):
Absolutely is, and it's only fifty dollars for goodness.

Speaker 1 (48:58):
Sakes, exactly right, And I would it be necessary at all?
Larry Again, let's say you're a one story home and
you put in the fifteen hundred or the three thousand. Yes,
would it be overkilled to say, well, you don't want
to be on the safe side, I'm going to put
a fifty in my bedroom.

Speaker 3 (49:20):
We have a lot of folks that do that. We
had one client in Lexington that he decided to buy
one Pure Air fifty for all eight rooms in his
house and his spouse actually had coughing spells. Within four
hours she no longer had any coughing spells. So it's
miraculous what nature can do. If we duplicate nature, we

(49:42):
can clean our environment.

Speaker 1 (49:44):
So I guess we just have to get used to
the concept because we're so used to thinking. You know,
like a filter pulls the air to it. And by
the way, once it pulls the air to it, does
it really filter out everything? It needs to filter out
what happened, what's left.

Speaker 3 (50:00):
Over, well, anything below three microns, And particularly when you
get under it's so small microscopically, it's going to go
right through some filters. Now HELPA filters will trap that.
But actually when you get a filter, if you don't
change that filter every thirty days, you've got a contaminated filter,

(50:21):
and you get moisture going through dust particles on a
filter that can cause mold to grow.

Speaker 1 (50:27):
That's going to make the situation.

Speaker 3 (50:29):
We found the mold in the window units in elementary schools.
We did some testing for an environmental officer for a
school district and we found excessive mold in those wall
units of air conditionings in a classroom.

Speaker 1 (50:44):
So we have to get out of the idea of
thinking this is a system that is even pushing air.
It's not pushing air out. I get this when I
first heard about this I kept thinking, well, yeah, if
you're okay, I get it. It's not pulling air to it.
But if it's putishing something out, I keep thinking of
air and how do you get that air to that
room on the other side of the home. But that's
not what it's doing now.

Speaker 3 (51:06):
It does have a fan in it that distributes the
activated oxygener ozone, But the big thing is the ionization.
See if we can, if we can create negative and
positive charges in every room in your house, it's gonna
make all the airborne particles clump together, get heavy, and
settle out of the air. Then the activated oxygen and
ozone will oxidize eighty percent of the dust out of

(51:29):
your environment, and you're gonna feel better.

Speaker 1 (51:32):
And what that ad al as you mentioned, I think
pot clumps up falls to the ground.

Speaker 3 (51:35):
Right, and the ozone will actually convert the dust particles
to either H two O or moisture. And see if
you can read. If you create that dust into moisture,
it gathers with the natural atmospheric oxygen, which is O two,

(51:55):
and then you've got H two O two which is
hydrogen peroxide, and that kills is in bacteria, so it'll
sanitize surfaces.

Speaker 1 (52:02):
So it's a win win, yes, absolutely, okay. So again,
the the the line that you have available the Pure
Air system starts at the Pure Pure Air.

Speaker 3 (52:10):
Fifty, right, it's fifty dollars. And then we have the
pure Are fifteen hundred that does fifteen hundred square feet
is three ninety nine, and then the pure Are three
thousand it does three thousand square feet or sometimes more
for six ninety nine. So those are the three top
of the line that we have in air Pure five.

Speaker 1 (52:28):
And again these are not big hulking devices.

Speaker 3 (52:29):
No, not at all. The Pure fifteen hundred only eight
inches square and it weighs two pounds, so it's so
small and light. They're very easy to clean if you
if you properly maintain it, it'll last for a lifetime.

Speaker 1 (52:42):
Larry, always good to see you, all right. What's the
best way for folks to get a hold of you,
whether it's online or buy the phone?

Speaker 3 (52:47):
The cell phone number is eight oh three six two
six two seven four eight eight oh three six two
six two seven four eight Larry Harris.

Speaker 1 (52:57):
Okay.

Speaker 3 (52:57):
And of the website, it's try for fresh AirNow dot com.

Speaker 1 (53:01):
That's right, it's perfect. Try Fresh Air down dot com.

Speaker 6 (53:04):
Right, Larry, have a good weekend.

Speaker 3 (53:05):
Always a blessing to be here. 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'
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(53:31):
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cost to speak to them. Insurance companies make their money
by denying and minimizing otherwise valid claims. The Law Office
of James Snell can help. They're not looking to try
to take every small mishap, but focus on real injuries
that deserve to be taken seriously. The Law Office of
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
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