Estate Planning Attorney inFingerville, SC

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Securing Your Legacy in South
Carolina

Did you know that one in two U.S. citizens have yet to create a plan for their estate? Just about everyone knows they need to get their affairs in order, but most people procrastinate when it comes to estate planning. It's an uncomfortable subject to think about. After all, nobody wants to ponder their death and what happens to their assets when they pass. However, working with an estate planning lawyer in Fingerville, SC, protects you, your loved ones, and your assets, both while you're alive and after you have died. There isn't a perfect time to plan your estate, but there is a right time and that time is now.

We understand that there is no "one-size-fits-all" solution to your estate planning needs. That's why, at CDH Law Firm, we make a concerted effort to speak with our clients personally so that we can create an estate plan that is as unique as they are. Our estate plans are comprehensive, cost-effective, and catered to you. That way, your family is provided if you are incapacitated or pass away.

At the end of the day, our goal is to make sure that every one of our clients leaves our office feeling less stressed and more informed. Peace of mind is valuable currency these days. Why worry about the future of your loved ones when you can use South Carolina law to ensure their stability?

Many of the clients in Fingerville that walk through our doors have significant questions that require serious answers. They're filled with doubt, stress, and worry. They're worried about their children, their spouse, their relatives, or all the above. They ask questions like:

  • How much does estate planning cost?
  • What kind of results can I expect?
  • How long will this process take?

If these questions sound familiar, know that you are not alone. At CDH Law Firm, we have worked with hundreds of clients just like you. Sometimes, these clients are unsatisfied with their current estate planning attorney in Fingerville. Other times, they have been served with confusing papers or documents that leave them feeling overwhelmed. In either case, clients come to our office knowing they need to manage what is often a sudden, foreign situation.

The good news? We sit down with all new clients for an hour at no extra cost. We do so to get a basic sense of their situation and help steer them in the right direction. That way, they can leave our office feeling a little wiser and a lot better about the future.

Estate Planning Law Fingerville, SC
Service Areas

Our firm specializes in several areas of estate planning and family law, including:

  • Estate Planning
  • Last Will and Testament
  • Living Wills
  • Heath Care Power of Attorney
  • Living Wills
  • Irrevocable Trusts
  • Revocable Trusts
  • Retirement Trusts
  • Special Needs Trusts

The CHSA Law
Difference

At CHSA Law, LLC, estate planning is like second nature to us. Having worked hundreds upon hundreds of cases, we have the knowledge and experience to assist with all the estate planning needs that you or your family have.

As our client, you will always work directly with your attorney. We do not pass cases off to paralegals or junior associates. Because your concerns and questions don't end when our office closes, we encourage our clients to contact us at any time.

Because we limit the number of cases we accept, we have the time and resources to truly dedicate ourselves to each of our clients. Unlike some competitors, we care about the outcome of every case because we know that our clients' future depends on it.

 Estate Planning Attorney Fingerville, SC The-Cobb-Dill-Hammett-Difference
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What Our Clients Say

What is Estate Planning in
Fingerville, SC?

The word "estate" might make you think of a sprawling mansion in the French countryside. The truth is, you don't have to be rich to have an estate. In fact, most people already have an estate. An estate comprises the assets that a person owns like cars, bank accounts, real estate, businesses, and other possessions. Everyone's estate is different, but we all have one thing in common: none of us can take our estates with us when we die. When that does eventually happen, you will need legal instructions that state who gets what from your estate in plain terms.That, in a nutshell, is estate planning building a framework in advance that names the organizations or people that should receive your assets after you die. Planning your estate now helps make life much easier for your family down the line.

 Estate Planning Lawyer Fingerville, SC
A good estate plan covers more than fiscal assets, however. A comprehensive
estate plan should include the following:
  • If you have children who are minors, instructions as to who will be their guardian when you die.
  • Long-term care insurance if you suffer from an extended injury or illness.
  • Instructions that dictate what happens to you and your financial affairs if you become incapacitated before death.
  • Instructions on the transfer of your business after retirement, incapacity, disability, or death.
  • Instructions on how to provide for loved ones who might need help managing money or who need protection from creditors.
  • Probate and tax avoidance that help minimize court fees, taxes, and legal fees.
  • Planning Medicaid payments.
  • Instructions that help complete or update beneficiary designations.
  • Assist family members who have special needs without disqualifying them from government benefits.

Contrary to popular belief, estate planning isn't just for adults who are approaching retirement age. Estate planning is for everyone. After all, we're all getting older, and none of us know exactly when it will be our time to go.

The Basics of Estate Planning
in Fingerville, SC

Although estate planning can be complicated, a well-rounded plan makes a huge difference in what is left to your beneficiaries. Before you start planning your estate, it's important to know a few common topics that may arise as you detail your needs.

1.

Working with a Tax Advisor and Estate Planning
Attorney in Fingerville, SC

Working with a veteran estate planning lawyer is a no-brainer, but you should consider working with a tax advisor too. Your attorney's role is to help guide you through the creation of your estate planning documents. Common documents include your will, health care directives, and power of attorney. Your tax advisor will help guide you through tax issues associated with your estate planning needs.

In this relationship, you make the decisions while your attorney and tax advisor help you understand and think through the options you're considering. As a team, they will help you state your wishes clearly while minimizing mistakes and adjusting your plans as they change. Because significant savings can result from thorough, informed planning, you should seriously consider working with a tax advisor in addition to your estate planning attorney.

 Law Firm Fingerville, SC
2.

Maximizing
Your Estate

If there were one overriding theme of estate planning, it would be maximizing what you plan to leave behind. Thinking through how each of your assets will be distributed is crucial to your estate. Your decisions may change depending on the type of asset, its size, how old you are, and several other factors. With an attorney on your side, you will gain a thorough understanding of what actions you should take to care for your family while minimizing expenses like taxes and court fees.

Estate Planning Law Fingerville, SC
3.

Inheritance, Estate,
and Gift Taxes

One of the biggest parts of maximizing what you're leaving behind is to minimize taxes. Federal taxes on estates and gifts are incredibly high. Both forms of taxes usually have exemption limits, which means you can give up to a specific amount without being taxed. Your lawyer can achieve that by using the gift tax exemption to move assets while you are still alive. This strategy maximizes how much your beneficiaries will receive.

Inheritance taxes are often based on the value of your estate and paid prior to asset distribution to your beneficiaries.

 Estate Planning Attorney Fingerville, SC

Choosing the
Executor of Your Will

The executor of your estate plays a key role in your affairs. Their responsibilities include carrying out the terms of your will and seeing the estate settlement process through until the end. Obviously, such a role demands a qualified person. Choosing your executor isn't an easy decision. The person you select should be great at managing money, be savvy financially, and show an ability to be patient. That's because the executor is tasked with:

  • Collecting Your Assets
  • Paying Outstanding Bills
  • Submitting Tax Returns
  • Petitioning the Court for Documents
  • Distributing Assets to Your Beneficiaries
 Estate Planning Lawyer Fingerville, SC

If the person that you choose as executor is inexperienced with the estate settlement process, it is recommended that they lean on an estate planning attorney in Fingerville, SC for guidance. It should be noted that you may appoint more than a single executor to your estate. This is common when two individuals have complementary personalities or skill sets.

The Benefits of Estate Planning
in Fingerville, SC

One of the biggest benefits of planning your estate is the peace of mind it brings to you and your family. With the help of our expert estate planning attorneys, you have the power to protect your assets, privacy, and children's welfare. You can also potentially save money on taxes or even avoid probate. By having your wishes legally documented before death or incapacity, you can minimize any impact on your beneficiaries and take control of your legacy. Without a comprehensive estate plan, you're leaving the future of your loved ones in the hands of the South Carolina court system.

With an estate plan in place, you can plan for incapacity by using a power of attorney or advanced medical directives. Doing so relieves your loved ones of the burden of asking the court for the authority to fulfill your wishes.

At CDH Law Firm, we are committed to helping you prepare for both the expected and unexpected through years of experience and a fierce dedication to our clients. From establishing trusts to designing business succession plans, we are here to fight for you.

At CDH we offer a "Will Package" that includes 4 necessary documents.

If a husband and wife each purchase reciprocating will packages we give a discount. Reciprocating just means the husband names the wife and the wife names the husband. Those four documents are:

  • Last will and testament
  • Healthcare power of attorney
  • Durable power of attorney
  • living will

Common Documents Included
in Your Estate Plan

As mentioned above, everyone's estate planning needs will be different. However, most plans include one or more of the following documents:

1.

Will

Your will is an essential piece of documentation and is often considered the cornerstone of a proper estate plan. Generally speaking, your will is a document that dictates the distribution of your assets after your death. Having an iron-clad will is one of the best ways to make sure that your wishes are communicated clearly. As is the case with most estate planning, it is highly recommended that you work with an estate planning attorney in Fingerville, SC, to create and update your will.

The contents of a will typically include:

  • Designation of the executor, who is responsible for adhering to the provisions of your will.
  • Designation of beneficiaries the people who will be inheriting your assets
  • Instructions that dictate how and when your beneficiaries will receive assets.
  • Instructions that assign guardianship for any minor children.

Without a will in place, the State of South Carolina will decide how to distribute assets to your beneficiaries. Allowing the state to distribute your assets is often an unfavorable route to take, since the settlement process may not include what you had in mind for your survivors. Having a will drafted that reflects your wishes will prevent such a situation from happening.

 Law Firm Fingerville, SC
2.

Living Will

Despite its name, a living will does not instruct your survivors on what assets go where. Also called an advanced directive, your living will allows you to state your end-of-life medical wishes if you have become unable to communicate. This important document provides guidance to family members and doctors and solidifies certain issues like whether you should be resuscitated after an accident.

For example, it's common to direct that palliative care (care to decrease pain and suffering) always be administered if needed. Conversely, you may state that certain measures are not allowed, like CPR.

Estate Planning Law Fingerville, SC
3.

Trusts

Traditionally, a trust is used to minimize estate taxes and maximize other benefits as part of a well-rounded estate plan. This fiduciary agreement lets a trustee hold your assets on behalf of your beneficiaries. There are many ways to arrange a trust to specify when and how your assets are distributed.

With a trust in place, your beneficiaries can avoid going to probate. That means they may be able to gain access to your assets quicker than when they are transferred with a standard will. Assets placed in a trust can pass outside of probate, which will save you and your family time, money, and stress.

There are two distinct trust categories that you should be aware of: revocable and irrevocable.

 Estate Planning Attorney Fingerville, SC

Revocable Trust:

Also called a living trust, a revocable trust helps assets circumvent probate. With this trust, you can control your assets while you are still alive. These trusts are flexible and may be dissolved at any point in time. This type of trust becomes irrevocable upon your death. Revocable trusts can help you avoid the pitfalls of probate but be aware that they are usually still taxable.

Irrevocable Trust:

This kind of trust transfers assets out of your estate so that they are not taxed and do not have to go through probate. However, once an irrevocable trust has been executed, it may not be altered. That means that once you establish this kind of trust, you lose control of its assets and cannot dissolve the trust. If your primary goal is to avoid taxes on your estate, setting up an irrevocable could be a wise choice.

When drafted with the help of an estate planning lawyer in Fingerville, SC, your trust can also:

Protect Your Legacy:

When constructed properly, a trust can protect your estate from your heirs' creditors. This can be a huge relief for beneficiaries who might need to brush up on money management skills.

Privacy and Probate:

Probate records are made available for public consumption. With a trust, you may have the choice of having your assets pass outside of probate court so that they remain private. In the process, you may also save money that you would lose to taxes and court fees.

Control Wealth:

Because you can specify the exact terms of a trust, you have more control over who receives your assets and when they receive them. As an example, you can set up a revocable trust so that your assets are attainable while you're alive. When you pass, remaining assets are distributed, even in complex situations involving children from multiple marriages.

The Top Estate Planning Law Firm in the Lowcountry

If you know that you need to provide for your family and loved ones after your death, it's time to develop your estate plan. With CDH Law Firm by your side, planning your estate doesn't have to be difficult. However, it does need to be accurate and executed exactly to your wishes something that we have been helping clients achieve for years. Don't leave your legacy up to chance contact our office today and secure your future generations.

CONTACT US

Latest News in Fingerville, SC

Man Said ‘Witches’ Told Him to Throw ‘Pitbull-type Canine’ Off of a Bridge in South Carolina, Authorities Say

A dog is alive but “clearly” shaken up after a man allegedly threw the canine off a bridge to fall dozens of feet — twice.Authorities in Spartanburg County, South Carolina, identified the defendant as Shannon Lee Cantrell, 43, and allege that he committed the offense in plain view.“On Monday, October 3, 2022, Spartanburg County Environmental Enforcement Officers responded to a call of someone tossing a dog from a bridge located on Highway 11 in the Fingerville area of Spartanburg County,...

A dog is alive but “clearly” shaken up after a man allegedly threw the canine off a bridge to fall dozens of feet — twice.

Authorities in Spartanburg County, South Carolina, identified the defendant as Shannon Lee Cantrell, 43, and allege that he committed the offense in plain view.

“On Monday, October 3, 2022, Spartanburg County Environmental Enforcement Officers responded to a call of someone tossing a dog from a bridge located on Highway 11 in the Fingerville area of Spartanburg County,” the county wrote.

Officers said they spoke with a witness at the site and searched the area below the bridge. They claimed to find Cantrell putting the dog in a chokehold.

“Officers removed the male, brown-and-white pitbull-type canine,” authorities said. “Cantrell stated that ‘witches’ told him to throw the dog from the bridge. The dog was thrown twice. Cantrell told officers that he was the owner of the canine and released ownership to Spartanburg County.”

Officers said they measured the distance from the bridge to the ground. It was 34 feet, authorities said.

The 1-year-old dog was wet from being in the water below, but did not have any visible injuries, police said.

“However, the canine was clearly shaken by the incident and was transported to Greenville County Animal Care for assessment,” authorities said.

The county said Environmental Enforcement got an arrest warrant under the law for ill treatment of animals — state statute 47-1-40 (B):

(B) A person who tortures, torments, needlessly mutilates, cruelly kills, or inflicts excessive or repeated unnecessary pain or suffering upon an animal or by omission or commission causes these acts to be done, is guilty of a felony and, upon conviction, must be punished by imprisonment of not less than one hundred eighty days and not to exceed five years and by a fine of five thousand dollars.

Cantrell was taken to the Spartanburg County Detention Center, where he remains locked up under a $5,000 bond. He faces a count of animal cruelty.

[Images via Spartanburg County]

Have a tip we should know? tips@lawandcrime.com

Here's what was found in seven Spartanburg area public drinking water systems

The Environmental Working Group (EWG), a Washington, D.C.-based nonprofit, issued its 2021 Tap Water Database that shows what contaminants are commonly detected in trace amounts in public drinking water sources nationwide and in South Carolina.Here is a brief look at each of the seven water systems in Spartanburg County and what Environmental Working Group found from April 2019 to March 2021. A link is available explaining...

The Environmental Working Group (EWG), a Washington, D.C.-based nonprofit, issued its 2021 Tap Water Database that shows what contaminants are commonly detected in trace amounts in public drinking water sources nationwide and in South Carolina.

Here is a brief look at each of the seven water systems in Spartanburg County and what Environmental Working Group found from April 2019 to March 2021. A link is available explaining the contaminants for each system.

? Inman Campobello, Inman, serves: 33,176; no violations; 19 contaminants detected; 16 at trace levels with no federal standard. Three below legal limits were Haloacetic acids (HAA5), 29.8 ppb, legal limit, 60 ppb; Total Trihalomethanes, 39.8 ppb, legal limit, 80 ppb; Chromium, 0.226 ppb, legal limit 100 ppb.

From April 2019 to March 2021, Inman Campobello WD complied with health-based drinking water standards. No violations.

See report: Inman Campobello WD

? LCF Water District (Liberty-Chesnee-Fingerville), Chesnee, serves: 16,971; 19 contaminants detected, 14 at trace levels with no federal standard. Five below legal limits were Haloacetic acids (HAA5), 20 ppb, legal limit 60 ppb; Total trihalomethanes, 22.1 ppb, 80 ppb legal limit; Chromium (total), 0.313 ppb, legal limit 100 ppb; Fluoride, 0.695 ppm, legal limit, 4 ppm., Nitrate, 0.0265 ppm, legal limit, 10 ppm.

From April 2019 to March 2021, LCF Water District complied with health-based drinking water standards. No violations.

See report: CF Water District, Chesnee

? Metro Subdistrict B, Spartanburg, serves 1,849; 18 contaminants detected, 13 at trace levels with no federal standard. Five below legal limit were Haloacetic acids (HAA5), 20.6 ppb, legal limit 60 ppb; Total trihalomethanes, 22.1 ppb, legal limit 80 ppb; Chromium (total), 0.0929 ppb, legal limit, 100 ppb; Fluoride, 0.695 ppm, legal limit, 4 ppm; Nitrate, 0.0265 ppm, legal limit, 10 ppm.

From April 2019 to March 2021, Metro Subdistrict B complied with health-based drinking water standards. No violations.

See report: Metro Subdistrict B, Spartanburg

? SJWD Middle Tyger WTP, Lyman, serves 60,592; 16 contaminants detected, 11 at trace levels with no federal standard. Five below legal limit were Haloacetic acids (HAA5), 25.6 ppb, legal limit, 60 ppb; Nitrate, 0.298 ppm, legal limit, 10 ppm; Total trihalomethanes, 43.9 ppb, legal limit, 80 ppb; Chromium (total), 0.166 ppb, legal limit, 100 ppb; Fluoride, 0.146 ppm, legal limit, 4 ppm.

From April 2019 to March 2021, SJWD Middle Tyger WTP complied with health-based drinking water standards. No violations.

See report: SJWD Middle Tyger WTP, Lyman

? Spartanburg Water System, Spartanburg, 142,671 people served; 18 contaminants detected, 14 at trace levels with no federal standard; four below legal limit, Haloacetic acids (HAA5), 22.1 ppb, legal limit, 60 ppb; Total trihalomethanes, 35.0 ppb, legal limit, 80 ppb; Chromium (total), 0.0929 ppb, legal limit, 100 ppb; Nitrate, 0.0265 ppm, legal limit, 10 ppm.

From April 2019 to March 2021, Spartanburg Water System complied with health-based drinking water standards. One violation. In August 2020 there was one occasion when levels of pH in two different distribution sites fell slightly below the optimal range, as determined by the S.C. Department of Health and Environmental Control.

See report:Spartanburg Water System

? SWS-Landrum Water Treatment Plant, Spartanburg, serves 4,269; 12 contaminants detected, 7 at trace levels with no federal standard; Five below legal limit, Haloacetic acids, 26.3 ppb, legal limit, 60 ppb; Total trihalomethanes, 32.6 ppb, legal limit, 80 ppb; Ethylbenzene, 0.0474 ppb, legal limit, 700 ppb; Xylenes, 0.428 ppb, legal limit, 10,000 ppb; Nitrate, 0.0983 ppm, legal limit, 10 ppm.

From April 2019 to March 2021, SWS-Landrum Water Treatment Plant complied with health-based drinking water standards. No violations.

See report:Sws-landrum Water Treatment Plant, Landrum

? Woodruff Roebuck WD, Woodruff, serves 25,923, 25 contaminants detected, 19 at trace levels with no federal standard; six below legal limit, Haloacetic acids (HAA5), 28.1 ppb, legal limit, 60 ppb; Nitrate, 0.613 ppm, legal limit, 10 ppm; Nitrate and nitrite, 0.460 ppm, legal limit, 10 ppm; Total trihalomethanes, 56.4 ppb, legal limit, 80 ppb; Chromium, 0.161 ppb, legal limit, 100 ppb; Fluoride, 0.508 ppm, legal limit, 4 ppm.

From April 2019 to March 2021, Woodruff Roebuck WD complied with health-based drinking water standards.

See report:Woodruff Roebuck WD

Contact Bob Montgomery at bob.montgomery@shj.com

Landrum Wanderings: Remembering summer fun at Rainbow Lake

The days are sunny, the temperatures mild, it’s the time of year when I like to take a drive down some country roads. Today I’m headed down Rainbow Lake Road, leading out of Fingerville. I’ve learned that Rainbow Lake no longer exists, but I’m curious. I want to see if I can locate where this popular summer bathing and picnic spot once existed.I’ve done my research and learned that Rainbow Lake was created by the Spartanburg Water District and existed from 1929 until 1967. A trip to the ...

The days are sunny, the temperatures mild, it’s the time of year when I like to take a drive down some country roads. Today I’m headed down Rainbow Lake Road, leading out of Fingerville. I’ve learned that Rainbow Lake no longer exists, but I’m curious. I want to see if I can locate where this popular summer bathing and picnic spot once existed.

I’ve done my research and learned that Rainbow Lake was created by the Spartanburg Water District and existed from 1929 until 1967. A trip to the Spartanburg Historical Society gave me background information. Ron Swain at the museum dug out a wonderful print by Mike Turnage entitled “Summer’s Call” depicting a busy day at the lake.

I drive out Route 11, turning right at the sign that reads “Rainbow Lake Road.” The first time I saw this sign I envisioned a pretty lake, perfect for fishing and small motorboats. I was saddened to learn that it had been drained. But if you are of a certain age, were a teenager in the late 50s or early 60s, you probably have some nostalgic memories of afternoons spent at Rainbow Lake.

When I Google Rainbow Lake on my computer, I discover videos, slide shows, and descriptions of fun times at the lake. In 2006, John Lane posted “I lived for the moment at the first of June when my mother finally said, ‘This weekend, Rainbow Lake is open.’ When that happened I knew I could stay out at the lake all day every Saturday and watch the teen boys do cannonballs and jackknives and suicide dives off the three-story concrete tower. The dive off the tower was a rite of passage I never achieved at Rainbow Lake. They closed the lake before it happened.”

The entry continues, “And if I didn’t want to swim or sit I could always eat French fries or drink a cherry Coke made with real syrup at the pavilion and wait 30 minutes and then go back in.”

A video shows teenage girls in two piece bathing suits, wading in the water, protecting their poufy hairdos from getting wet. The boys are showing off diving, a lifeguard patrols in a rowboat, sunbathers rub on sun tan lotion to help their skin absorb the sun, not block it. There’s a lot of smiling and splashing as the film plays out.

Most of the structures, bathhouses, rest rooms, pavilions, and rock walls were built by the CCC Camps of the 1920s. A video made in 2008, when some former Rainbow Lake regulars had an opportunity to revisit the grounds, shows these old stone structures along with the large field that was once a lake. I was hoping to locate this field on my drive and discover whether these structures still existed, but the location eluded me.

I pass Rainbow Lake Middle School and cross the bridge over the wide, rapidly flowing Pacolet River. I surmise that perhaps the river had been the water source for the lake. Heading back towards Fingerville, I turn off on a narrow road, crossing a creek. I’m surprised by some large candy canes leading to the entrance of a Christmas tree farm called Christmas Hill. I’ll tuck this place away for a possible story next Christmas. The signs along the road indicate it’s a popular place to find the perfect Christmas tree. The road dead ends so I retrace my route and head back to the main road.

Continuing my journey back on Route 11, I decide to stop for strawberries at Geary Jolley Farms fruit stand, The Peach Basket. I select a pint of red, luscious looking berries and proceed to the counter where Robert McKinney rings up the sale. I decide to probe a little and find out if Robert has memories of Rainbow Lake. He smiles, “Rainbow Lake was a part of growing up. They had a wading area for little kids. The bottom of the lake was all sand, the water was clear and not at all muddy. Beach music played all the time and you could buy hotdogs. It was a lot of fun.”

I inquire about the structures that I saw in the video and he describes a pavilion that is still in use. “They enclosed a pavilion and now you can rent it. My family rented it every Christmas. We’d put up a Christmas tree and have a feast there. It has a kitchen, tables and chairs, and a big gas burning fireplace. You rent it from Spartanburg Water and it’s used all the time for weddings, reunions, and family gatherings. We would call January 1 to reserve it for the next Christmas,” he laughs.

I read online about an effort in 2001 to revive the old lake. Shelia Bailey spearheaded a plan to redevelop Rainbow Lake. The entry online reads, “After listening to a friend reminisce about the old lake, she decided to drive to the property and have a look around. Bailey saw a grassy field, but she ‘could hear the kids playing and just felt this awesome place.’ Rainbow Lake became a mission for Bailey. Council members, however, were reluctant to bite.”

As I depart with my strawberries, music from an old Cowsills song, “Indian Lake,” written by Tony Romeo, plays in my mind. If I substitute the words, “Rainbow Lake,” I’m sure it describes this South Carolina, summer fun spot.

The air is fine with the sweet smelling pine

And the countryside’s pretty,

Indian Lake, is a scene you should make, with your little one,

Keep it in mind if you’re looking to find, a place in the summer sun,

Swim in the cove, have a snack in the grove,

Or you can rent a canoe

At Indian Lake

To quote John Lane again, “Losing Rainbow Lake was like losing a little of our soul. There’s something about swimming in lake water that’s never been replaced for me.”

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