August 6, 2025 • 27 mins
When was the last time you really understood your insurance options? Not the glossy brochure version, but the actual living, breathing benefits that could make a difference in your life today—not just after you're gone?
Charmaine Nelson of The Nelson's Agency shatters common insurance myths in this enlightening conversation that moves far beyond traditional coverage discussions. With 15 years of licensing experience and a passion for education over sales, Charmaine reveals how modern policies offer "living benefits" that allow you to access funds during critical illness or injury—a feature many clients never know exists until they desperately need it.
"I'm here to save lives," Charmaine shares, recounting how a friend with cancer accessed these living benefits to literally save her life. This isn't hyperbole; it's the reality of what properly structured insurance can provide. More surprising is her revelation about timing: "Everyone thinks insurance is for the elderly, but it's actually for when you're healthiest." A 19-year-old client paying just $17 monthly for $150,000 in coverage proves her point dramatically.
The conversation unexpectedly weaves between financial protection and physical health as Charmaine describes her recent running journey. This tangent reveals a profound connection—how proper exercise, even starting with just walking to the end of the block, can transform both physical health and financial options by potentially reducing medication needs and qualifying for better rates. One client eliminated blood pressure medication entirely through consistent walking.
Whether you're considering insurance options, contemplating lifestyle changes, or simply curious about protecting your future, this episode offers refreshing honesty about the intersection of health, wealth, and wellbeing. Connect with Charmaine at thenelsonsagency.com or call 305-563-3932 to continue the conversation. Visit her on instagram at https://www.instagram.com/thenelsonsagency/.
What small step will you take today toward securing your family's future?
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
This is the Good Neighbor Podcast, the place
where local businesses andneighbors come together.
Here's your host, Jeremy Wolf.
Speaker 2 (00:12):
Well, hello, hello, friends, family, wonderful
community.
We are back for another roundof the Good Neighbor Podcast.
Hope everybody is doing wellout there, just getting back
from a week-long hiatus up inNashville at a guitar workshop.
So I'd be I don't know if I'dbe honest in saying that I'm
excited to get back to it, buthere we are nonetheless ready to
(00:33):
rock and roll.
Our guest today I'd like towelcome to the show.
We have Charmaine Nelson, andCharmaine joins us from the
Nelson's agency.
Charmaine, welcome to the show.
Speaker 3 (00:44):
Thank you for having me, Jeremy.
Speaker 2 (00:46):
Hey, the pleasure sits all on this side of the
table, or something along thoselines.
At least that's what they say.
Anyway, okay, so I do not know.
So I'm interested to find out.
Tell me a little bit about whatyou do at the Nelson's agency.
Speaker 3 (01:01):
The Nelson's agency is really an insurance.
I'm an insurance broker.
Speaker 2 (01:06):
The.
Speaker 3 (01:06):
Nielsen's agency is really an insurance.
I'm an insurance broker, so Isell life insurance, health
insurance and I help withMedicare.
And I'm a new agent, newbusiness.
Been in this thing for about.
I've been licensed for 15 years, let's start there, but-.
Speaker 2 (01:19):
Okay, so licensed for 15 years.
Licensed 15 years, but you justrecently opened your own agency
.
Speaker 3 (01:26):
Yes, yes, when COVID happened.
Speaker 2 (01:28):
Well, congratulations .
Speaker 3 (01:29):
I recently opened it.
Thank you so much.
All right, so I'm going fromjust a regular insurance broker
working with the company toopening my own LLC and starting
my own brokerage, because I feellike I can reach my people a
lot better and give you guys myexpertise, because my mission is
always to educate first andthen help you empower yourselves
(01:51):
and protect families, and Ifelt like, on the other end, it
was always sales based first.
Speaker 2 (01:56):
so education is everything when it comes to
insurance absolutely, absolutely, and that's that's a subject
that everybody knows of, buteverybody knows very little
about the details of Exactly,exactly and everyone can use it.
Speaker 3 (02:11):
It's for everybody.
Life insurance.
You know, if you're you knowsomeone who's just had a baby
and you need insurance for yourkids, or your spouse or your
husband, or let's justtransition to like health
insurance, or your spouse oryour husband or let's just
transition to like healthinsurance.
You know, if you'reself-employed, don't have any
health insurance at all, or ifyou're transitioning to Medicare
(02:33):
, like my parents are right now,I have both of my parents are.
I'm helping them sign up forMedicare.
This year They'll both beturning 65 and they are
overwhelmed with the lettersthat they get and the phone
calls that they get.
They get hundreds of phonecalls a day and that's where I
come in to help you guys educateyou guys on what you need to do
.
Speaker 2 (02:49):
Love it.
Okay, Just open.
How long ago did you open yourdoors?
Is this?
How recent Is it talking like?
Within a year?
What's been the time?
Speaker 3 (02:58):
So 2020 when COVID happened?
Oh okay, I thought you meantnew, like fresh out the gates.
All right yeah.
Speaker 2 (03:02):
Oh, okay, so you're not.
You're not.
I thought you meant new, likefresh out the gates, all right,
yeah, oh, several years now,Okay, so don't.
All right, okay, so I want togo back to that point.
When you're open so 15 yearslicense you make the decision at
some point to say, hey, youknow what?
I want to do this on my own.
Speaker 3 (03:29):
What was one of the biggest challenges that you
faced when you made the I callit the entrepreneurial leap,
leaping out on faith.
So I'm a full-time mom, I havefour kids, I have a husband and
then, when COVID happened, wewere all stuck at home.
So imagine this I am at homeand my kids' range ranges in
different areas, so I have mybirth kids and then I have my,
my bonus kids, that I call mystep kids right all of them are
(03:52):
in my house, so my youngest onefun fun was like one and a half,
two years old and then fromthere I had this kindergartner,
then I had one starting sixthgrade and then I had one
starting ninth grade, so I hadevery level.
I called myself um the nelson'smy home was a school from 8 am
(04:14):
to like 4 pm and you have thelittle one crawling on the
kindergarten, the sixth grader.
He's not focused, he's, he'slooking, but I see him on the
phone playing fortnight, I thinkat the time.
And then you have the, the highschool, with a night grader who
wouldn't even get out of bed.
She's like mom, I'm good, Imean, I'm in class, they see me,
we don't need our cameras on,so you know she's getting, she's
still getting aids.
(04:35):
I was like this is insane, thatwe had lunches and we had like
all this stuff going on andbringing back memories, for me
now too, right I.
I had job, a full-time job atthe time, but I couldn't really
do my job because I had thesekids at home, you know.
So it's just like they'redemanding things from me and the
(04:55):
children are demanding thingsfrom me.
So I was like I need to findsomething that I can do where I
can balance everything.
And it's all about balance,right?
And my mom told me mymother-in-law is the one who
told me to get a healthinsurance license because she
was like you never know whenyou're going to need this
license.
It's just a backup plan.
(05:16):
And so that's when I was like Ineed to see what this whole
insurance thing is really aboutwith this license.
And so I really started.
You know, I kept up with mycontinuing education credits and
all that stuff just because Ididn't want to lose the license.
So it was really hard to passthat test, that state test, so I
didn't want to lose that.
But then I really startedgetting into it and I started
seeing the deaths that washappening around with me.
(05:37):
Some were close to home, someof my friends, and everybody was
just confused and I was like,okay, this is, this is my, this
is what I'm going to use to helppeople in this work, and I've
helped so many people.
That's why I just want to helpa lot more people.
Speaker 2 (05:53):
Very cool.
I want to go back for a momentbecause there's something I'm a
little unclear on, and I'm sureour listeners might be as well
that when you said you had thelicense for 15 years it sounds
like you weren't working in theindustry.
That time is that right as abackstop, essentially just
(06:13):
having your back pocket kept upwith the continuing education.
So what was the?
What was the career previouslyfor leading up to this?
Speaker 3 (06:22):
I was working at the University of Miami at the
wellness center the gym.
Yeah, I went at the gym withall the you know, and when COVID
happened, school was closed.
No one was going to the gym.
So that's what.
I was doing previously, and Idid that for years, since my
daughter was two years old.
I was at the wellness center, Iwas at the gym.
Speaker 2 (06:45):
What would you say has been one of the most
rewarding things for you sinceyou made the leap and started
the business.
Speaker 3 (06:55):
Oh, time management for one, I'm able to do
everything for everybody be myown boss.
Speaker 2 (07:02):
I will say the double edged sword, though, isn't it
Sometimes?
Speaker 3 (07:04):
Yeah, I feel like I'm working 23, 24 hours a day,
though Like I don't know whenI'm sleeping.
Speaker 2 (07:08):
Okay.
Speaker 3 (07:10):
I don't know how that is happening.
I just wake up, I go, I fallasleep, I wake up and I go again
.
So I really don't know.
I can't really explain how Imanage it.
I'm a good planner, so I planeverything from 6 am when I wake
up to when I go to bed.
But I also what was thequestion?
I'm sorry.
Speaker 2 (07:31):
The most rewarding thing about making the leap and
going out on your own andstarting your own business.
Speaker 3 (07:37):
And that and helping people.
So I have an interesting story,a rewarding story, where I had
a good friend of mine who gottheir life insurance with me and
I made sure to include livingbenefits in her package for the
insurance and a lot of peopledon't know about it.
But living benefits is.
A lot of people feel that lifeinsurance is used when you pass
(07:59):
away.
Life insurance is used when youpass away and that is not true.
A lot of people are a heartattack, stroke, you're diagnosed
(08:22):
with cancer or something andyou cannot work for a minimum of
one month up to you know years.
You can pull money from yourinsurance policy to pay for your
medical bills.
You can feed your family, youcan pay your actual bills, like
whatever you need to do withthat money.
You can do it because, nomatter what happens to you in
life, bills are going to keephappening.
Your kids are always going tobe hungry, life will keep life
(08:47):
and a lot of people don't knowthat that's something that is
built in a lot of insurancepolicies.
Now that you can get for a very, very affordable price, it is
not as expensive at all.
Speaker 2 (08:54):
So I'm curious is that something?
Living benefits policy?
Is that something along thelines of like somewhere between
a term policy and a whole policy, or is that?
Speaker 3 (09:03):
it will be.
It's included with the termpolicies.
Speaker 2 (09:06):
Okay, it's just an added benefit of a term, so a
little bit more costly.
Speaker 3 (09:08):
but it's a little bit more costly, but it's return
benefit and my friend wasdiagnosed with cancer and she
was able to pull out that moneyand she says it saved her life
and that was my first amazing,rewarding story for that.
And then I'm like, okay, nowI'm on, now I'm on the run Now
(09:29):
now I'm going to go vote.
Speaker 2 (09:31):
What a testimonial for you, right.
What a testimonial.
Yes, I'm here to save my life.
Speaker 3 (09:36):
I have my cape on now , ready to go, ready to fly.
Speaker 2 (09:40):
Oh, you have your cape on, okay, yeah.
I thought you said my capo on,and if you ever play guitar
there's a thing called the capo.
I got guitar in my mind becauseI've been playing the guitar
the last week.
I want to stick on the topic ofeducation because one of the
reasons that we do this show,aside from getting to know local
business owners and learn aboutwhat they do in their business,
is also to clear up someconfusion that folks out there
(10:04):
have, and I think, to that note,a lot of folks do have
confusion about insuranceproducts.
Is there something, one or twothings that you hear more
frequently from your clients andfrom people you speak with that
they're just like things thatthey believe to be true about
insurance, but they were justkind of flat out wrong.
Speaker 3 (10:27):
The first thing that comes to mind is that insurance
is only for when you die, andthat's true.
That's the first myth.
It's not Maybe back in the day,when I wasn't born yet I'm an
80s baby but now it is not.
Speaker 1 (10:43):
You can definitely use it while you're living Right
86.
Speaker 2 (10:48):
I beat you.
By the way, I'm 80.
Speaker 3 (10:51):
You're 80?
.
Oh, you're the same age as myolder brother, oh yeah, you look
good, we look good.
Speaker 2 (10:58):
Thank you.
Thank you, yes, you do.
Okay, so that's not only forlife insurance, is not only for
when you die.
They're like you mentioned,there's this living benefits.
Speaker 3 (11:08):
uh, other attributes okay and they say people think
that it's just for the elderly.
For some reason they feel like,oh, they have their whole life
to wait to get life insuranceand the honest thing is it's for
when you are the healthiest.
That's when you would get it atthe cheapest rate.
If you wait until you're old,um, you have to think that the
insurance company is gambling onyou to for you to pay these
(11:32):
premiums and not pass away soyou don't have to pay out right
like that it's a dirty business.
Speaker 2 (11:39):
I mean gambling on your life right.
Speaker 3 (11:41):
Yeah, it's dirty business.
That's how I like to put it topeople.
I say so when you get it, whenyou're young and you're healthy,
your premium premiums will bevery cheap.
Like I have someone who's 19right now, who's only paying 17
a month for her insurance, andshe has 150 000 right now and
she's going to have that premiumand that insurance until for 30
(12:04):
years.
She chose a 30 year term andthen we can obviously like
convert that into a whole lifepolicy if needed, but it's very,
very cheap for her right now.
Speaker 2 (12:14):
And if you think, and if you think about it, sorry to
cut you off there, but if youthink about that, like we try to
put things into perspectivewith what, what everything costs
nowadays $17 a month I mean Ibet you I just did a podcast.
I was talking about kind ofauditing all of your expenses I
guarantee you that many peopleout there, if you looked at all
your credit card bills and yourApple pays, you'd have several
things on there way above $17total that you don't even know
(12:36):
you're paying for.
That was just like beingcharged.
Speaker 3 (12:38):
Oh yeah, the subscription.
I just canceled subscriptionright now.
Speaker 2 (12:42):
I was paying like $20 .
You can build two years forthis thing.
It's crazy 17 bucks a month.
I mean it's a wonderful way tosecure yourself when you're
younger and then when you getolder, obviously when you have a
family, it's even moreimportant.
Speaker 3 (12:56):
But if you wait until you're 50, right.
And say you're not as healthy,you're gonna pay a lot of more
money.
So a lot of people when they Ithink they start thinking about
it when they get older, becausenow they're thinking about their
kids, their grandkids.
They wanna leave you know moneyto them.
But now you have to think aboutwhen you think insurance is all
(13:16):
about age, it's all abouthealth.
So if you're a healthy 50 yearold, you may get you know like
you may spend 30 or $40 a month,maybe a hundred thousand
dollars of insurance, justthrowing a number out there.
But if you are a diabetic, ifyou you know all these other
health risks come at hand, I canshop around for the best price
(13:37):
for you and still get you areally good price.
But you may not get as muchmoney as you could have when you
were younger.
If you put in perspective andif you think about it, 17 is
what we're spending onmcdonald's right now and then
you're hungry again in likethree hours and now you're going
to go buy something elsebecause everyone uber eats now.
So if you're thinking aboutthat and you don't spend over 30
, you probably spent 30 on onwing stops.
(13:59):
I did yesterday Um, and how todeliver.
You know what I mean.
Speaker 2 (14:04):
So, yeah, I I gotta say, the older I get, the more
conscious I become of what I putin my body in terms of food.
I mean, like we're, we're justmachines and if we wanna operate
at a peak performance like youbetter not only not eat bad
(14:24):
foods, but you should be keepingtrack.
And my wife is doing this rightnow with an exercise program,
and I never really thought aboutit, but I'm watching her do it.
You know she's doing, she'scounting all her calories, she's
doing everything.
And it really got me thinkingthat again, if you're going to
perform optimally, you really betracking all that stuff, and so
many of us don't and we just goon the fly.
And then we wonder why we haveno energy and why we have brain
(14:45):
fog all day and why we justdon't feel right.
Speaker 3 (14:47):
Think about what we're putting in this food too,
cause if you think about it itfeels like nothing out there is
good for you.
Nowadays I've gotten veryhealth conscious too, because I
feel like, and it's it gets alittle bit more expensive when
you start being more healthconscious.
But I figure I'm either goingto pay for it and be healthy now
, then when I get older and Iget sick, and I'm gonna pay for
(15:11):
it later.
Either way I'm going to end uppaying for it.
I'd rather pay for my healthnow.
So I run in the mornings now.
I am at the gym a lot more now.
Speaker 2 (15:20):
Did you say you run in the morning?
Speaker 3 (15:23):
I started running in the morning.
Speaker 2 (15:24):
yes, All right.
Well, let's stop there for amoment and discuss the running,
because I actually caught therunner's bug probably two gosh.
I think it's been almost threeyears now, maybe two to three
years ago, and I do.
I've become somewhat of an avidrunner and I love running, and
this is really what opened me upto the idea of taking better
(15:44):
care of myself, because whathappened was, as I started
running, I would be in a lot ofpain, like my knees would hurt
and I'd have a lot ofinflammation, and I wasn't doing
any strength training and Iwasn't eating particularly well.
And now I've shifted and reallytried to have a better diet and
I started going to the gym.
So how long ago did you startrunning?
Speaker 3 (16:05):
Oh, I'm only like three weeks in.
It was really hard.
Speaker 2 (16:07):
You're a newbie.
Speaker 3 (16:08):
I'm a newbie, I'm very new, and some days it's
rough boy, but I told my husbandto hold me accountable and he
has been doing a good job.
Now the off, I'm ready to throwthat phone across.
My legs hurt, they're stiff manlike, oh my god.
But it feels so amazing once Istart.
So I'm finding that the hardestthing is getting out of the bed
and going.
But once I start and come back,my endorphins are good, like
(16:31):
I'm hungry and I don't reallyhave a big appetite, but when I
exercise, man, I can eateverything in the fridge.
Um, like and diet.
I'm learning even when I wasworking at the gym diet is 70 of
everything.
Like what you put in your bodyand what you are consuming will
definitely determine how fastyou lose weight and all and all
(16:55):
those things that comes with it.
And then I also weight train.
I do less weights, but I onlyleft weights like three times a
week because I'm little, so I'mjust trying to tone the game up
so I don't need to do too much.
Um, but running it clears mymind.
There's no one out there, soit's early in the day my husband
sometimes join me out there andwe're running and it's just I
don't know, it's just.
(17:15):
I feel like we're bonding as acouple too.
So it even helps relationship.
Everyone should go exercise andwork out.
It helps your relationship aswell.
You build together.
Speaker 2 (17:23):
So I've been.
We've been taking my wife and Ihave been going on long walks
in the evening and havingwonderful, wonderful discussions
.
It's been.
It's been wonderful, almostlike therapeutic in many ways,
having these discussions whilewe walk.
So how long do you typicallyrun?
Now it's only been three weeks.
I can't imagine you're.
You're going that far likewhat's your time I'm?
Speaker 3 (17:42):
not one that far.
So the first two weeks I go tothe track, I go to the chat.
So the first two weeks I was Iwould like run a hundred meter,
then I'll walk a hundred meter.
Run a hundred meter, walk ahundred meter, because I was not
used to it.
I was trying to get there, getmyself to run.
Now, since I'm in week three, Ican actually run an 800 without
(18:06):
stopping.
Then I'll walk the lap and thenI'll run an 800.
The goal is for me to be ableto run at least two miles
without stopping.
Speaker 2 (18:13):
I can guarantee you that if you continue you will
get there, because that's verysimilar to my journey.
I started out and I wouldliterally run around my block I
don't know how far it was, butit wasn't very far and the next
time I would go like an extralittle section around the block
and then another block and then,before I knew it, I was going
around the whole neighborhoodand then, before I knew that, I
was going around.
Now I go every Saturday morning.
(18:35):
I run with a friend of mine,alex Semide Shout out, dr Semide
, semide, dental, you're thebest.
We run every morning Saturdayand we do anywhere from like
four to 10 miles on Saturday,just depending on how we're
feeling.
Our max has been 10 miles,which was a lot.
It was close to two hours ofrunning, but generally speaking
(18:56):
we'll do somewhere around anhour of running.
But the you know, generallyspeaking we'll do somewhere
around an hour and those arealways the most productive
mornings.
When I get back, somethingabout running, the continuous
cardiovascular exercise, keepingyour heart going the longer you
go it unlocks deeper levels ofjust I don't know flood you with
these feel-good chemicals.
That's why they call it therunner's high yeah, endorphins
(19:16):
right yeah.
I come home every Saturday andit's like I get more done in the
next four hours that Saturdaymorning than I did around the
house all week.
I do everything.
I'm just like, yeah, what can Ido next For sure.
Speaker 3 (19:27):
Let's go clean up, let's go.
I want to be cluttered today.
Finally, that's definitely me.
And do you ever feel like whenyou don't exercise?
I know you have to give yourbody a break it's getting to the
point now where I am feelingguilty, like I just be, like
maybe I just go and do 10push-ups or some sit-ups or
(19:47):
something, like I feel it like Iget this little itch where I
need to go work out right nowand stop what I'm doing.
So I've learned to now justlisten to that, which is why I
go in the mornings.
That way I don't have tointerrupt my day because I will.
I started interrupting my day.
I'd be like oh, I got a breakin between clients, let me go
exercise Now.
I'm running late because Idon't forget, lost track of time
.
Got to get that last set in.
Speaker 2 (20:06):
Yeah, and that's the thing for people out there.
You don't necessarily have tojust start by going to the gym,
Like you said, if you're at work.
I do this all the time.
I work from home.
If I'm doing something and Ifeel cloudy or stressed out or
whatever the case may be, I'lljust step aside for a minute and
knock out some pushups.
I'll just do 10, 20 pushups getthe blood flowing.
Sometimes I'll step away andjust take some deep breaths, do
(20:28):
some like a little breathing.
Just things like that help mekind of break whatever pattern
I'm stuck in.
It's so, so important you stilllook at this.
All this talk is making me wantto go run and exercise.
Speaker 3 (20:39):
Right, now, look at you, I should join you on these
days.
I should join you on these days.
But, fun fact, I have a lot ofclients because I am big at
talking about exercise and stuff, and I just had one client tell
me that she is off her bloodpressure medication because she
started walking on a treadmill.
How about that?
So if you exercise you can gethealthier.
(21:00):
That way you can get off thesemedications.
You won't feel sicker.
She started eating better.
So me and my clients actuallyyou know what I should start a
little running club, I should.
Or walking, we can walk first.
We can do a little walking cluband I'm just going to invite
everybody.
We can have a meetup spot.
You can come to the ones thatrun 10 miles, you just go.
I'll be with the walkers.
(21:22):
We can walk and ride a littlebit.
I think it'll be good for theenvironment and the neighborhood
.
Speaker 2 (21:26):
Where do you live?
Speaker 3 (21:29):
I am in Miramar.
I'm in Broward County.
Speaker 2 (21:33):
That's just funny.
Actually, that's where I meetmy friend Alex.
On Saturday I meet my friendAlex.
Speaker 3 (21:48):
On Saturday I meet him in.
Miramar at the Home Depotparking lot off Miramar and
Dykes or one of those roads outthere west.
He lives in Miami Lakes and Ilive in Cooper City, so we split
the difference.
I feel like a good middle Maybe.
Speaker 1 (21:55):
I can have me and my husband go.
Speaker 3 (21:55):
I don't know how far I can go.
You scared me with those 10miles.
I'm still at 800.
Speaker 2 (21:59):
I'm going to work my way up there.
Get me with those those youknow, work my way up there.
So what you back to?
Back to what you just saidabout getting off the blood
blood pressure medicationthrough walking like I 'll also
give a testimonial about my wife.
She felt she hadn't been workingout for for many, many years
and she was having all sorts ofpain in her body.
She was complaining for yearsabout how she thinks she needs a
hip replacement and her backhurts, all these things, and she
(22:20):
was really convinced that therewas something like actually
wrong with her right, that shewas broken.
Inside two months of walkingevery day, starting to exercise,
starting to eat right, all ofher pains have gone away.
So everything in her body thatwas telling her that there was
something wrong with her wasbasically just inflammation.
And then that inflammationfeeding the narrative in her
(22:42):
head that something was wrongwith her and getting stuck in
that loop more inflammation,more inflammation, something
more wrong with me, and thenjust continually down that cycle
to the point where she may havewell gone to get some kind of
orthopedic help and then theymight have recommended oh, we
could do this surgery or that,like you don't even know, and
the solution could just be totake better care of your body.
Speaker 3 (23:02):
For most people, exactly something to think about
out there if you're strugglingwith pains just start walking,
just just start, and this iswhat I really try to do too.
So when you step away, like inmy line of business, when you
step away from just looking atsales all the time trying to get
the next sale, trying to getthe next value, trying to get an
Excel, and you really educateyour clients, and you see them
(23:27):
get better, get healthier, youknow, and they start
understanding, you'll be amazedat how much more prosperous you
can be, because they're morethankful now they're, they're
giving referrals out, they'rereferring you to everybody.
You know, I don't really haveto work that hard.
I get phone calls all the time,um, I get invited out to
lunches.
I don't always go um, but it'snice.
(23:48):
It's nice, you know, when theywant me to come out, um.
But I think I am going to juststart inviting people to come
walk with me, like this justhappened on the jamie will show
on good neighbor podcast.
I think I am going toofficially start inviting people
to walk with me.
We would start walking together,you know, and I think that it's
good when you have a partner,an accountability partner, when
(24:10):
it comes to exercising um tohold you accountable so you can
get what you need to get donebecause sometimes we all need
that that person that's going tobe in your ear, like, get your
behind up, let's go, we ain'tgot time for this.
I need, I need someone to talkto me, like don't let me whine
to you.
I need you to be like uh-huh,get up, let's go.
I don't even want to hear allthat.
(24:31):
Let's go, let's get this done.
And you're going.
City of Miramar and Cooper City, which is going to be the
healthiest city in the nationhow about?
Speaker 1 (24:36):
that oh yeah.
Yeah.
Speaker 2 (24:41):
So we've gone on a little bit of a tangent here,
but you know it's okay, becausethis tangent is kind of related
to what you do.
So this was a good topic ofconversation and if one person
heard this and it sparks thatmotivation in them to get moving
, well then we've done our workfor the day, haven't we?
Speaker 3 (24:58):
We have, we have, and if you need someone, you can
reach out to me.
I'll be that person.
Speaker 2 (25:05):
Okay, and how can folks do that?
Anyone listening that does wantto reach out.
What is the best way to connectwith you, Charmaine?
Speaker 3 (25:12):
Oh, so you can.
I'm on social media, so I'm onFacebook.
I'm on Instagram at theNelson's Agency, my business
line.
I gave the number 305-563-3932.
You can always call or text me.
If I don't answer, I'm probablywith the client, but I
definitely will return your callwithin 24 to 48 hours and you
(25:34):
can also visit my website atthenelson'sagencycom, and you
can also visit my website attheNelsonAgencycom.
Speaker 2 (25:38):
Perfect, and we will, of course, leave a link in the
description to all of yourcontact information.
So anything that you said todayresonates with our audience.
Reach out.
Charmaine is there to help andshe is a ray of sunshine and a
breath of life in this world.
So we're happy to have you onthe show to talk a little bit
(25:58):
about what you do.
It was great to meet you,charmaine, so thanks for joining
us.
Speaker 3 (26:05):
Thank you for having me.
Speaker 2 (26:07):
Of course, of course.
And to our listeners, thanks asalways for tuning in.
And if you heard this episodeand you're struggling and you're
not feeling healthy, startthere.
That's the one piece of adviceI will leave to you, because I
saw it firsthand with my wifeJust start walking, go out every
evening or in the morning andjust start, just move.
It's very accessible, it's veryeasy and I guarantee you that
(26:32):
if you do that consistentlyevery day, you will start
feeling better before you knowit.
Speaker 3 (26:38):
So I will leave everyone with that and to add to
that just walk to the end ofthe block and come back.
Speaker 2 (26:43):
Yep, as far as you can go and build on that, all
right, everyone, take care.
Thanks for joining us and wewill catch you next time.
Have a good day, bye, bye.
Speaker 1 (26:53):
Thanks for listening to the Good Neighbor Podcast,
cooper City.
Thanks for listening to theGood Neighbor Podcast, cooper
City.
To nominate your favorite localbusiness to be featured on the
show, go to GNPCooperCitycom.
That's GNPCooperCitycom, orcall 954-231-3170.
This is the Good Neighbor Podcast, the place
where local businesses andneighbors come together.
Here's your host, Jeremy Wolf.
Speaker 2 (00:12):
Well, hello, hello, friends, family, wonderful
community.
We are back for another roundof the Good Neighbor Podcast.
Hope everybody is doing wellout there, just getting back
from a week-long hiatus up inNashville at a guitar workshop.
So I'd be I don't know if I'dbe honest in saying that I'm
excited to get back to it, buthere we are nonetheless ready to
(00:33):
rock and roll.
Our guest today I'd like towelcome to the show.
We have Charmaine Nelson, andCharmaine joins us from the
Nelson's agency.
Charmaine, welcome to the show.
Speaker 3 (00:44):
Thank you for having me, Jeremy.
Speaker 2 (00:46):
Hey, the pleasure sits all on this side of the
table, or something along thoselines.
At least that's what they say.
Anyway, okay, so I do not know.
So I'm interested to find out.
Tell me a little bit about whatyou do at the Nelson's agency.
Speaker 3 (01:01):
The Nelson's agency is really an insurance.
I'm an insurance broker.
Speaker 2 (01:06):
The.
Speaker 3 (01:06):
Nielsen's agency is really an insurance.
I'm an insurance broker, so Isell life insurance, health
insurance and I help withMedicare.
And I'm a new agent, newbusiness.
Been in this thing for about.
I've been licensed for 15 years, let's start there, but-.
Speaker 2 (01:19):
Okay, so licensed for 15 years.
Licensed 15 years, but you justrecently opened your own agency
.
Speaker 3 (01:26):
Yes, yes, when COVID happened.
Speaker 2 (01:28):
Well, congratulations .
Speaker 3 (01:29):
I recently opened it.
Thank you so much.
All right, so I'm going fromjust a regular insurance broker
working with the company toopening my own LLC and starting
my own brokerage, because I feellike I can reach my people a
lot better and give you guys myexpertise, because my mission is
always to educate first andthen help you empower yourselves
(01:51):
and protect families, and Ifelt like, on the other end, it
was always sales based first.
Speaker 2 (01:56):
so education is everything when it comes to
insurance absolutely, absolutely, and that's that's a subject
that everybody knows of, buteverybody knows very little
about the details of Exactly,exactly and everyone can use it.
Speaker 3 (02:11):
It's for everybody.
Life insurance.
You know, if you're you knowsomeone who's just had a baby
and you need insurance for yourkids, or your spouse or your
husband, or let's justtransition to like health
insurance, or your spouse oryour husband or let's just
transition to like healthinsurance.
You know, if you'reself-employed, don't have any
health insurance at all, or ifyou're transitioning to Medicare
(02:33):
, like my parents are right now,I have both of my parents are.
I'm helping them sign up forMedicare.
This year They'll both beturning 65 and they are
overwhelmed with the lettersthat they get and the phone
calls that they get.
They get hundreds of phonecalls a day and that's where I
come in to help you guys educateyou guys on what you need to do
.
Speaker 2 (02:49):
Love it.
Okay, Just open.
How long ago did you open yourdoors?
Is this?
How recent Is it talking like?
Within a year?
What's been the time?
Speaker 3 (02:58):
So 2020 when COVID happened?
Oh okay, I thought you meantnew, like fresh out the gates.
All right yeah.
Speaker 2 (03:02):
Oh, okay, so you're not.
You're not.
I thought you meant new, likefresh out the gates, all right,
yeah, oh, several years now,Okay, so don't.
All right, okay, so I want togo back to that point.
When you're open so 15 yearslicense you make the decision at
some point to say, hey, youknow what?
I want to do this on my own.
Speaker 3 (03:29):
What was one of the biggest challenges that you
faced when you made the I callit the entrepreneurial leap,
leaping out on faith.
So I'm a full-time mom, I havefour kids, I have a husband and
then, when COVID happened, wewere all stuck at home.
So imagine this I am at homeand my kids' range ranges in
different areas, so I have mybirth kids and then I have my,
my bonus kids, that I call mystep kids right all of them are
(03:52):
in my house, so my youngest onefun fun was like one and a half,
two years old and then fromthere I had this kindergartner,
then I had one starting sixthgrade and then I had one
starting ninth grade, so I hadevery level.
I called myself um the nelson'smy home was a school from 8 am
(04:14):
to like 4 pm and you have thelittle one crawling on the
kindergarten, the sixth grader.
He's not focused, he's, he'slooking, but I see him on the
phone playing fortnight, I thinkat the time.
And then you have the, the highschool, with a night grader who
wouldn't even get out of bed.
She's like mom, I'm good, Imean, I'm in class, they see me,
we don't need our cameras on,so you know she's getting, she's
still getting aids.
(04:35):
I was like this is insane, thatwe had lunches and we had like
all this stuff going on andbringing back memories, for me
now too, right I.
I had job, a full-time job atthe time, but I couldn't really
do my job because I had thesekids at home, you know.
So it's just like they'redemanding things from me and the
(04:55):
children are demanding thingsfrom me.
So I was like I need to findsomething that I can do where I
can balance everything.
And it's all about balance,right?
And my mom told me mymother-in-law is the one who
told me to get a healthinsurance license because she
was like you never know whenyou're going to need this
license.
It's just a backup plan.
(05:16):
And so that's when I was like Ineed to see what this whole
insurance thing is really aboutwith this license.
And so I really started.
You know, I kept up with mycontinuing education credits and
all that stuff just because Ididn't want to lose the license.
So it was really hard to passthat test, that state test, so I
didn't want to lose that.
But then I really startedgetting into it and I started
seeing the deaths that washappening around with me.
(05:37):
Some were close to home, someof my friends, and everybody was
just confused and I was like,okay, this is, this is my, this
is what I'm going to use to helppeople in this work, and I've
helped so many people.
That's why I just want to helpa lot more people.
Speaker 2 (05:53):
Very cool.
I want to go back for a momentbecause there's something I'm a
little unclear on, and I'm sureour listeners might be as well
that when you said you had thelicense for 15 years it sounds
like you weren't working in theindustry.
That time is that right as abackstop, essentially just
(06:13):
having your back pocket kept upwith the continuing education.
So what was the?
What was the career previouslyfor leading up to this?
Speaker 3 (06:22):
I was working at the University of Miami at the
wellness center the gym.
Yeah, I went at the gym withall the you know, and when COVID
happened, school was closed.
No one was going to the gym.
So that's what.
I was doing previously, and Idid that for years, since my
daughter was two years old.
I was at the wellness center, Iwas at the gym.
Speaker 2 (06:45):
What would you say has been one of the most
rewarding things for you sinceyou made the leap and started
the business.
Speaker 3 (06:55):
Oh, time management for one, I'm able to do
everything for everybody be myown boss.
Speaker 2 (07:02):
I will say the double edged sword, though, isn't it
Sometimes?
Speaker 3 (07:04):
Yeah, I feel like I'm working 23, 24 hours a day,
though Like I don't know whenI'm sleeping.
Speaker 2 (07:08):
Okay.
Speaker 3 (07:10):
I don't know how that is happening.
I just wake up, I go, I fallasleep, I wake up and I go again
.
So I really don't know.
I can't really explain how Imanage it.
I'm a good planner, so I planeverything from 6 am when I wake
up to when I go to bed.
But I also what was thequestion?
I'm sorry.
Speaker 2 (07:31):
The most rewarding thing about making the leap and
going out on your own andstarting your own business.
Speaker 3 (07:37):
And that and helping people.
So I have an interesting story,a rewarding story, where I had
a good friend of mine who gottheir life insurance with me and
I made sure to include livingbenefits in her package for the
insurance and a lot of peopledon't know about it.
But living benefits is.
A lot of people feel that lifeinsurance is used when you pass
(07:59):
away.
Life insurance is used when youpass away and that is not true.
A lot of people are a heartattack, stroke, you're diagnosed
(08:22):
with cancer or something andyou cannot work for a minimum of
one month up to you know years.
You can pull money from yourinsurance policy to pay for your
medical bills.
You can feed your family, youcan pay your actual bills, like
whatever you need to do withthat money.
You can do it because, nomatter what happens to you in
life, bills are going to keephappening.
Your kids are always going tobe hungry, life will keep life
(08:47):
and a lot of people don't knowthat that's something that is
built in a lot of insurancepolicies.
Now that you can get for a very, very affordable price, it is
not as expensive at all.
Speaker 2 (08:54):
So I'm curious is that something?
Living benefits policy?
Is that something along thelines of like somewhere between
a term policy and a whole policy, or is that?
Speaker 3 (09:03):
it will be.
It's included with the termpolicies.
Speaker 2 (09:06):
Okay, it's just an added benefit of a term, so a
little bit more costly.
Speaker 3 (09:08):
but it's a little bit more costly, but it's return
benefit and my friend wasdiagnosed with cancer and she
was able to pull out that moneyand she says it saved her life
and that was my first amazing,rewarding story for that.
And then I'm like, okay, nowI'm on, now I'm on the run Now
(09:29):
now I'm going to go vote.
Speaker 2 (09:31):
What a testimonial for you, right.
What a testimonial.
Yes, I'm here to save my life.
Speaker 3 (09:36):
I have my cape on now , ready to go, ready to fly.
Speaker 2 (09:40):
Oh, you have your cape on, okay, yeah.
I thought you said my capo on,and if you ever play guitar
there's a thing called the capo.
I got guitar in my mind becauseI've been playing the guitar
the last week.
I want to stick on the topic ofeducation because one of the
reasons that we do this show,aside from getting to know local
business owners and learn aboutwhat they do in their business,
is also to clear up someconfusion that folks out there
(10:04):
have, and I think, to that note,a lot of folks do have
confusion about insuranceproducts.
Is there something, one or twothings that you hear more
frequently from your clients andfrom people you speak with that
they're just like things thatthey believe to be true about
insurance, but they were justkind of flat out wrong.
Speaker 3 (10:27):
The first thing that comes to mind is that insurance
is only for when you die, andthat's true.
That's the first myth.
It's not Maybe back in the day,when I wasn't born yet I'm an
80s baby but now it is not.
Speaker 1 (10:43):
You can definitely use it while you're living Right
86.
Speaker 2 (10:48):
I beat you.
By the way, I'm 80.
Speaker 3 (10:51):
You're 80?
.
Oh, you're the same age as myolder brother, oh yeah, you look
good, we look good.
Speaker 2 (10:58):
Thank you.
Thank you, yes, you do.
Okay, so that's not only forlife insurance, is not only for
when you die.
They're like you mentioned,there's this living benefits.
Speaker 3 (11:08):
uh, other attributes okay and they say people think
that it's just for the elderly.
For some reason they feel like,oh, they have their whole life
to wait to get life insuranceand the honest thing is it's for
when you are the healthiest.
That's when you would get it atthe cheapest rate.
If you wait until you're old,um, you have to think that the
insurance company is gambling onyou to for you to pay these
(11:32):
premiums and not pass away soyou don't have to pay out right
like that it's a dirty business.
Speaker 2 (11:39):
I mean gambling on your life right.
Speaker 3 (11:41):
Yeah, it's dirty business.
That's how I like to put it topeople.
I say so when you get it, whenyou're young and you're healthy,
your premium premiums will bevery cheap.
Like I have someone who's 19right now, who's only paying 17
a month for her insurance, andshe has 150 000 right now and
she's going to have that premiumand that insurance until for 30
(12:04):
years.
She chose a 30 year term andthen we can obviously like
convert that into a whole lifepolicy if needed, but it's very,
very cheap for her right now.
Speaker 2 (12:14):
And if you think, and if you think about it, sorry to
cut you off there, but if youthink about that, like we try to
put things into perspectivewith what, what everything costs
nowadays $17 a month I mean Ibet you I just did a podcast.
I was talking about kind ofauditing all of your expenses I
guarantee you that many peopleout there, if you looked at all
your credit card bills and yourApple pays, you'd have several
things on there way above $17total that you don't even know
(12:36):
you're paying for.
That was just like beingcharged.
Speaker 3 (12:38):
Oh yeah, the subscription.
I just canceled subscriptionright now.
Speaker 2 (12:42):
I was paying like $20 .
You can build two years forthis thing.
It's crazy 17 bucks a month.
I mean it's a wonderful way tosecure yourself when you're
younger and then when you getolder, obviously when you have a
family, it's even moreimportant.
Speaker 3 (12:56):
But if you wait until you're 50, right.
And say you're not as healthy,you're gonna pay a lot of more
money.
So a lot of people when they Ithink they start thinking about
it when they get older, becausenow they're thinking about their
kids, their grandkids.
They wanna leave you know moneyto them.
But now you have to think aboutwhen you think insurance is all
(13:16):
about age, it's all abouthealth.
So if you're a healthy 50 yearold, you may get you know like
you may spend 30 or $40 a month,maybe a hundred thousand
dollars of insurance, justthrowing a number out there.
But if you are a diabetic, ifyou you know all these other
health risks come at hand, I canshop around for the best price
(13:37):
for you and still get you areally good price.
But you may not get as muchmoney as you could have when you
were younger.
If you put in perspective andif you think about it, 17 is
what we're spending onmcdonald's right now and then
you're hungry again in likethree hours and now you're going
to go buy something elsebecause everyone uber eats now.
So if you're thinking aboutthat and you don't spend over 30
, you probably spent 30 on onwing stops.
(13:59):
I did yesterday Um, and how todeliver.
You know what I mean.
Speaker 2 (14:04):
So, yeah, I I gotta say, the older I get, the more
conscious I become of what I putin my body in terms of food.
I mean, like we're, we're justmachines and if we wanna operate
at a peak performance like youbetter not only not eat bad
(14:24):
foods, but you should be keepingtrack.
And my wife is doing this rightnow with an exercise program,
and I never really thought aboutit, but I'm watching her do it.
You know she's doing, she'scounting all her calories, she's
doing everything.
And it really got me thinkingthat again, if you're going to
perform optimally, you really betracking all that stuff, and so
many of us don't and we just goon the fly.
And then we wonder why we haveno energy and why we have brain
(14:45):
fog all day and why we justdon't feel right.
Speaker 3 (14:47):
Think about what we're putting in this food too,
cause if you think about it itfeels like nothing out there is
good for you.
Nowadays I've gotten veryhealth conscious too, because I
feel like, and it's it gets alittle bit more expensive when
you start being more healthconscious.
But I figure I'm either goingto pay for it and be healthy now
, then when I get older and Iget sick, and I'm gonna pay for
(15:11):
it later.
Either way I'm going to end uppaying for it.
I'd rather pay for my healthnow.
So I run in the mornings now.
I am at the gym a lot more now.
Speaker 2 (15:20):
Did you say you run in the morning?
Speaker 3 (15:23):
I started running in the morning.
Speaker 2 (15:24):
yes, All right.
Well, let's stop there for amoment and discuss the running,
because I actually caught therunner's bug probably two gosh.
I think it's been almost threeyears now, maybe two to three
years ago, and I do.
I've become somewhat of an avidrunner and I love running, and
this is really what opened me upto the idea of taking better
(15:44):
care of myself, because whathappened was, as I started
running, I would be in a lot ofpain, like my knees would hurt
and I'd have a lot ofinflammation, and I wasn't doing
any strength training and Iwasn't eating particularly well.
And now I've shifted and reallytried to have a better diet and
I started going to the gym.
So how long ago did you startrunning?
Speaker 3 (16:05):
Oh, I'm only like three weeks in.
It was really hard.
Speaker 2 (16:07):
You're a newbie.
Speaker 3 (16:08):
I'm a newbie, I'm very new, and some days it's
rough boy, but I told my husbandto hold me accountable and he
has been doing a good job.
Now the off, I'm ready to throwthat phone across.
My legs hurt, they're stiff manlike, oh my god.
But it feels so amazing once Istart.
So I'm finding that the hardestthing is getting out of the bed
and going.
But once I start and come back,my endorphins are good, like
(16:31):
I'm hungry and I don't reallyhave a big appetite, but when I
exercise, man, I can eateverything in the fridge.
Um, like and diet.
I'm learning even when I wasworking at the gym diet is 70 of
everything.
Like what you put in your bodyand what you are consuming will
definitely determine how fastyou lose weight and all and all
(16:55):
those things that comes with it.
And then I also weight train.
I do less weights, but I onlyleft weights like three times a
week because I'm little, so I'mjust trying to tone the game up
so I don't need to do too much.
Um, but running it clears mymind.
There's no one out there, soit's early in the day my husband
sometimes join me out there andwe're running and it's just I
don't know, it's just.
(17:15):
I feel like we're bonding as acouple too.
So it even helps relationship.
Everyone should go exercise andwork out.
It helps your relationship aswell.
You build together.
Speaker 2 (17:23):
So I've been.
We've been taking my wife and Ihave been going on long walks
in the evening and havingwonderful, wonderful discussions
.
It's been.
It's been wonderful, almostlike therapeutic in many ways,
having these discussions whilewe walk.
So how long do you typicallyrun?
Now it's only been three weeks.
I can't imagine you're.
You're going that far likewhat's your time I'm?
Speaker 3 (17:42):
not one that far.
So the first two weeks I go tothe track, I go to the chat.
So the first two weeks I was Iwould like run a hundred meter,
then I'll walk a hundred meter.
Run a hundred meter, walk ahundred meter, because I was not
used to it.
I was trying to get there, getmyself to run.
Now, since I'm in week three, Ican actually run an 800 without
(18:06):
stopping.
Then I'll walk the lap and thenI'll run an 800.
The goal is for me to be ableto run at least two miles
without stopping.
Speaker 2 (18:13):
I can guarantee you that if you continue you will
get there, because that's verysimilar to my journey.
I started out and I wouldliterally run around my block I
don't know how far it was, butit wasn't very far and the next
time I would go like an extralittle section around the block
and then another block and then,before I knew it, I was going
around the whole neighborhoodand then, before I knew that, I
was going around.
Now I go every Saturday morning.
(18:35):
I run with a friend of mine,alex Semide Shout out, dr Semide
, semide, dental, you're thebest.
We run every morning Saturdayand we do anywhere from like
four to 10 miles on Saturday,just depending on how we're
feeling.
Our max has been 10 miles,which was a lot.
It was close to two hours ofrunning, but generally speaking
(18:56):
we'll do somewhere around anhour of running.
But the you know, generallyspeaking we'll do somewhere
around an hour and those arealways the most productive
mornings.
When I get back, somethingabout running, the continuous
cardiovascular exercise, keepingyour heart going the longer you
go it unlocks deeper levels ofjust I don't know flood you with
these feel-good chemicals.
That's why they call it therunner's high yeah, endorphins
(19:16):
right yeah.
I come home every Saturday andit's like I get more done in the
next four hours that Saturdaymorning than I did around the
house all week.
I do everything.
I'm just like, yeah, what can Ido next For sure.
Speaker 3 (19:27):
Let's go clean up, let's go.
I want to be cluttered today.
Finally, that's definitely me.
And do you ever feel like whenyou don't exercise?
I know you have to give yourbody a break it's getting to the
point now where I am feelingguilty, like I just be, like
maybe I just go and do 10push-ups or some sit-ups or
(19:47):
something, like I feel it like Iget this little itch where I
need to go work out right nowand stop what I'm doing.
So I've learned to now justlisten to that, which is why I
go in the mornings.
That way I don't have tointerrupt my day because I will.
I started interrupting my day.
I'd be like oh, I got a breakin between clients, let me go
exercise Now.
I'm running late because Idon't forget, lost track of time
.
Got to get that last set in.
Speaker 2 (20:06):
Yeah, and that's the thing for people out there.
You don't necessarily have tojust start by going to the gym,
Like you said, if you're at work.
I do this all the time.
I work from home.
If I'm doing something and Ifeel cloudy or stressed out or
whatever the case may be, I'lljust step aside for a minute and
knock out some pushups.
I'll just do 10, 20 pushups getthe blood flowing.
Sometimes I'll step away andjust take some deep breaths, do
(20:28):
some like a little breathing.
Just things like that help mekind of break whatever pattern
I'm stuck in.
It's so, so important you stilllook at this.
All this talk is making me wantto go run and exercise.
Speaker 3 (20:39):
Right, now, look at you, I should join you on these
days.
I should join you on these days.
But, fun fact, I have a lot ofclients because I am big at
talking about exercise and stuff, and I just had one client tell
me that she is off her bloodpressure medication because she
started walking on a treadmill.
How about that?
So if you exercise you can gethealthier.
(21:00):
That way you can get off thesemedications.
You won't feel sicker.
She started eating better.
So me and my clients actuallyyou know what I should start a
little running club, I should.
Or walking, we can walk first.
We can do a little walking cluband I'm just going to invite
everybody.
We can have a meetup spot.
You can come to the ones thatrun 10 miles, you just go.
I'll be with the walkers.
(21:22):
We can walk and ride a littlebit.
I think it'll be good for theenvironment and the neighborhood
.
Speaker 2 (21:26):
Where do you live?
Speaker 3 (21:29):
I am in Miramar.
I'm in Broward County.
Speaker 2 (21:33):
That's just funny.
Actually, that's where I meetmy friend Alex.
On Saturday I meet my friendAlex.
Speaker 3 (21:48):
On Saturday I meet him in.
Miramar at the Home Depotparking lot off Miramar and
Dykes or one of those roads outthere west.
He lives in Miami Lakes and Ilive in Cooper City, so we split
the difference.
I feel like a good middle Maybe.
Speaker 1 (21:55):
I can have me and my husband go.
Speaker 3 (21:55):
I don't know how far I can go.
You scared me with those 10miles.
I'm still at 800.
Speaker 2 (21:59):
I'm going to work my way up there.
Get me with those those youknow, work my way up there.
So what you back to?
Back to what you just saidabout getting off the blood
blood pressure medicationthrough walking like I 'll also
give a testimonial about my wife.
She felt she hadn't been workingout for for many, many years
and she was having all sorts ofpain in her body.
She was complaining for yearsabout how she thinks she needs a
hip replacement and her backhurts, all these things, and she
(22:20):
was really convinced that therewas something like actually
wrong with her right, that shewas broken.
Inside two months of walkingevery day, starting to exercise,
starting to eat right, all ofher pains have gone away.
So everything in her body thatwas telling her that there was
something wrong with her wasbasically just inflammation.
And then that inflammationfeeding the narrative in her
(22:42):
head that something was wrongwith her and getting stuck in
that loop more inflammation,more inflammation, something
more wrong with me, and thenjust continually down that cycle
to the point where she may havewell gone to get some kind of
orthopedic help and then theymight have recommended oh, we
could do this surgery or that,like you don't even know, and
the solution could just be totake better care of your body.
Speaker 3 (23:02):
For most people, exactly something to think about
out there if you're strugglingwith pains just start walking,
just just start, and this iswhat I really try to do too.
So when you step away, like inmy line of business, when you
step away from just looking atsales all the time trying to get
the next sale, trying to getthe next value, trying to get an
Excel, and you really educateyour clients, and you see them
(23:27):
get better, get healthier, youknow, and they start
understanding, you'll be amazedat how much more prosperous you
can be, because they're morethankful now they're, they're
giving referrals out, they'rereferring you to everybody.
You know, I don't really haveto work that hard.
I get phone calls all the time,um, I get invited out to
lunches.
I don't always go um, but it'snice.
(23:48):
It's nice, you know, when theywant me to come out, um.
But I think I am going to juststart inviting people to come
walk with me, like this justhappened on the jamie will show
on good neighbor podcast.
I think I am going toofficially start inviting people
to walk with me.
We would start walking together,you know, and I think that it's
good when you have a partner,an accountability partner, when
(24:10):
it comes to exercising um tohold you accountable so you can
get what you need to get donebecause sometimes we all need
that that person that's going tobe in your ear, like, get your
behind up, let's go, we ain'tgot time for this.
I need, I need someone to talkto me, like don't let me whine
to you.
I need you to be like uh-huh,get up, let's go.
I don't even want to hear allthat.
(24:31):
Let's go, let's get this done.
And you're going.
City of Miramar and Cooper City, which is going to be the
healthiest city in the nationhow about?
Speaker 1 (24:36):
that oh yeah.
Yeah.
Speaker 2 (24:41):
So we've gone on a little bit of a tangent here,
but you know it's okay, becausethis tangent is kind of related
to what you do.
So this was a good topic ofconversation and if one person
heard this and it sparks thatmotivation in them to get moving
, well then we've done our workfor the day, haven't we?
Speaker 3 (24:58):
We have, we have, and if you need someone, you can
reach out to me.
I'll be that person.
Speaker 2 (25:05):
Okay, and how can folks do that?
Anyone listening that does wantto reach out.
What is the best way to connectwith you, Charmaine?
Speaker 3 (25:12):
Oh, so you can.
I'm on social media, so I'm onFacebook.
I'm on Instagram at theNelson's Agency, my business
line.
I gave the number 305-563-3932.
You can always call or text me.
If I don't answer, I'm probablywith the client, but I
definitely will return your callwithin 24 to 48 hours and you
(25:34):
can also visit my website atthenelson'sagencycom, and you
can also visit my website attheNelsonAgencycom.
Speaker 2 (25:38):
Perfect, and we will, of course, leave a link in the
description to all of yourcontact information.
So anything that you said todayresonates with our audience.
Reach out.
Charmaine is there to help andshe is a ray of sunshine and a
breath of life in this world.
So we're happy to have you onthe show to talk a little bit
(25:58):
about what you do.
It was great to meet you,charmaine, so thanks for joining
us.
Speaker 3 (26:05):
Thank you for having me.
Speaker 2 (26:07):
Of course, of course.
And to our listeners, thanks asalways for tuning in.
And if you heard this episodeand you're struggling and you're
not feeling healthy, startthere.
That's the one piece of adviceI will leave to you, because I
saw it firsthand with my wifeJust start walking, go out every
evening or in the morning andjust start, just move.
It's very accessible, it's veryeasy and I guarantee you that
(26:32):
if you do that consistentlyevery day, you will start
feeling better before you knowit.
Speaker 3 (26:38):
So I will leave everyone with that and to add to
that just walk to the end ofthe block and come back.
Speaker 2 (26:43):
Yep, as far as you can go and build on that, all
right, everyone, take care.
Thanks for joining us and wewill catch you next time.
Have a good day, bye, bye.
Speaker 1 (26:53):
Thanks for listening to the Good Neighbor Podcast,
cooper City.
Thanks for listening to theGood Neighbor Podcast, cooper
City.
To nominate your favorite localbusiness to be featured on the
show, go to GNPCooperCitycom.
That's GNPCooperCitycom, orcall 954-231-3170.
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