Let's Talk With Stephen 10.27.2025

Episode Transcript

Speaker 1 (00:01):
Good morning, So let's talk with Stephen Carter. It's eleven
thirty in the morning. Then every month Monday's eleven thirty
to noon. Right here, we come to you on iHeartRadio
DISCCU fifteen eighty and one hundred point nine on your gual.
Remember you can plug it in on the application for
just go to the after iHeart Radio and you can
plug in this show and all the other shows that

(00:22):
are that are broadcast here. You can take us with
you anywhere you go and just tune in that way.
It's very free, it's very easy. Then we invite you
to do that so you can be ready to go
with that. So you know, as we talk every day
as a gift and today we're going to unwrap this
one and see what's going on and a lot of
things happening with not only Rotary, but different things and

(00:43):
events around the country, around the world. So we always
like to touch on a lot of those different things
during this half an hour talking about Rotary, and I
want to remind everybody about a couple of the clubs
and where they meet and what they do in It
would be Charlotte Harbor Rotary. They meet at the Eye
Restaurant seventeen eighty nine, ten AM Trail and Port Charlotte
on Tuesday mornings from seven thirty to eight thirty. Always

(01:06):
great speakers, a lot of events going on. You know,
they recently had their nursing walk for scholarships, a lo
had good things going on there. The well And Park Club,
that's the Rotary Club at Wellen Park that meet on
the second and fourth Wednesdays from six to seven pm
at Capstan Financial Consultings Offices and that's in downtown well
And Park. So if you need information on either of

(01:28):
these clubs, give me call it ninety four one four
eight four four to three four one. If you'd like
to be a speaker attend of meeting, check out about
why you might want to join Rotor and see what's
going on and you could help and you know, help
the folks that are out there doing a lot of
different things and programs that we do at Rodary and
we'll talk about those as we go around through the

(01:49):
hour or the half an hour here and a lot
of different links going on. For instance, I mentioned the walk,
and then obviously well And Park recently had their golf tournament,
raised a lot of money for in the Northport Police
Department of Canine Unit, Charlotte Harbor that walk to raise
money for the scholarships for nursing So a lot of
things going on like that, and different grants around the

(02:10):
world and in the country to help people a lot
of different things. Also, we know we have farmers markets
in the area, right so the Farmer's Market and on
Saturdays in Punta Gorda you can see on Saturday mornings
you'll be able to see and go talk to somebody
from Charlotte Harbor Rotter if you stop buy over there,
and if you stop by the Farmer's Market downtown Wall
And Park on Sunday mornings from nine to noon, you

(02:32):
can talk to someone from the Well and Park Club
too about what's going on up there in the very
very different events taking place that are happening. So let's
remember a couple of things. Though we know that we
technically we are still we still got a few weeks ago.
You know, we're still in hurricane seasons, so don't let
your guard not always be ready still just in case

(02:54):
it's through the end of November that we have the
hurricane season obviously out there, and we want to make
sure that everybody stays for heared, stay diligent, don't wait
till the last minute. Make sure you have your stuff
in place, your kit and your medicines and important papers
and all the things that you need, and be prepared,
and make sure you know sign up for for the
different locations. When you're talking about the emergency alerts from

(03:16):
the alert Charlotte or Sarasota County has an alert on Sarasota.
They both do a great job and keeping you informed
as to what mayor be coming and what's going on
in weather conditions, so you want to make sure you're
ready to go with that. So that's a good thing
about the county and the emergency management that the directors

(03:37):
do a really good job on that. So we make
sure you stay touched in touch with that. If you
haven't signed up for it, sign up for it, then
have that and they'll give you but you know, you'll
get a notice every time and that keeps you informed
and it's very easy and you won't be caught off guard.
So that's a really really important thing. Nick, are you there,
And yes, smider technology in Alexander Graham Bell let us

(03:59):
down from a moment there, but we're back online here.
So what's going on today in the world of insurance.
A lot of things happening with the government set down.
How does that affect some things for insurance?

Speaker 2 (04:10):
Nick, Well, you know, promote people. A lot of it
is turned into items on TV or social media, no
matter what you agree with or disagree with. But what
it actually affects for people and their day to day
One of the number one things have to do with
flood insurance. Now, if you already have a policy with

(04:33):
the National Food Insurance Program, they put in different rules
and different things that will maintain that policy and coverage. Right.
But the ones that it's really affecting are the people
who are trying to purchase a new home. Right if
they're buying a house that then have flood zone and

(04:53):
depending on the age, the location where I mean by
location aproxim only water and a few other things. What
happens is your only option for some people is that
National Food Insurance program. So when a shutdown occurs, those
policies are not able to be issued, right, and so

(05:15):
everyone just automatically assumes I can't get food insurance that
therefore I cannot close on his house. Right. Well, there
are a few outside cases where yes, your only option
is that national food insurance program. However, there are some
homeowners companies now that offer a flood coverage endorsement onto

(05:38):
the policy, so it actually packages a homeowner's policy with
wind your hazard, which everyone thinks of as pipe break,
flighting strikes, those types of things. But they also cover
your home for flood insurance in one policy, okay, and
that is provided through a private insurance company. Those policies
do exist, way I said, that's been on age and

(06:01):
location as to eligibility. But then there's also a private
flood insurance market. You first talked about the private flood
insurance market before. Most of those have a ten day
waiting period versus a standard thirty day weight for the
National flood Insurance program. And obviously both of those are
weighed when you're purchasing a house because it's a loan transaction, right,

(06:22):
But that private flood insurance market is not affected by
a governmental shutdown, So if you do have a closing
that's being affected, private flood insurance is a viable option,
and in a lot of cases, those flood insurance policies
offered to the private market have more endorsements and coverages

(06:43):
that can be added on versus the National Food Insurance
Program policies. Right, you know you've heard me talk in
the mouse about loss of use being included within the
private market that's not included in the NFP. And also
if you have a pool it's getting damaged, refilling it
and pairing it, those items can be added on to
a private policy unlike the en F PEA policies. But

(07:07):
the biggest key is if you're trying to buy that
house right now, and if government sat down, up and down,
you know, you don't know what's going to happen, your
private market is going to be your answer, your solution
for it.

Speaker 1 (07:21):
Okay, so that's the key then. But if somebody was
about to close or wanted to close right now and
didn't have that, they would have a problem though, right.

Speaker 2 (07:32):
Yeah, they're in a flood thrown and they don't have
they don't have their flood policy already a place. That's
when you are purchasing a property this time of year.
Most of the time you hear inference people of saying, hey,
it's Hurricane Keys and we have a storm and that's
affecting people's closing. Is make sure that you have your
policies in case, well in advanced the case the storm

(07:54):
pops up, you can still close, right, and those types
of things, well, we haven't have been very very nice.
They're still very active, so you still need to pay
attention to them. But those haven't really been affected at
closing as much as to put sure affect clothing for people.

Speaker 1 (08:14):
Okay, So it's still vitally important for people if they
don't have if they can check the private market that
they really needed. Now that's what you're saying, and you
could get insurance four flood going Otherwise you'd have to
wait because of the shutdown, correct.

Speaker 2 (08:30):
Right exactly, and then you know the private market that
does exist out there, you know, Well, we've seen for
eligibility purposes, depending on you're eligible or not, your pricing
can be a lot less than what the National Fund
Insurance Program is offering. I've ever sent the National Fund
Insurance Program switched over to that rating platform two point zero.

(08:53):
They don't require elevation certificates for high risk zones and
a couple of other things, and so they average rate out.
Whereas if you still have those items that other base
the certificate, it can help you with your NFIP quotes,
but it can also help you with your private insurance
but quotes as well, because that information can also be
put in on those quotes and can lower the rate

(09:15):
as well for people. So it all really depends on
what's going on individually for people. But that option doesn'tis
you can still close on your house and still live
the dream of buying out pared with that private poet.

Speaker 1 (09:33):
That's good news. I think a lot of people don't
realize that, and you have to. You know, there is
another option, So it's great to have that availability out
availability to give you a choice if you definitely need
to have it right now. So I would thin get
in touch with you to check on that and check
on other things regarding their insurance.

Speaker 2 (09:48):
Next, I think you've caught nine four one or and
put in a contact us form. They can actually upload
their inspections and declaration of cages for their own owners
policies auto policies to take a look at it, says,
we'll get that. We can start that review profits from them.

Speaker 1 (10:10):
Okay, great, That is Nick Carter's CI Carter Insurance calling
in as he always does. That give us the latest
and the greatest in the world. Of news when it
comes to insurance. So that is today's version with Nick
and next week you'll be calling in again on Mondays
because we come down Mondays from eleven thirty to noon. Nick,
thanks for calling, have a great day, buddy.

Speaker 2 (10:30):
Thank you you too.

Speaker 1 (10:34):
Okay, that was Nick Carter's CI Carter Insurance and some
great information to let you know that there are some
options out there that if you did want to have
flood insurance that is available through some private market companies.
You can certainly check on that if you need to
do that in the intrument, you know, during the government
shutdown on what's happening. If it's still going on, then
too there's but it's a good thing. So we could

(10:55):
touch on those things that you know, if that happens
again when it happened, whatever the case may be, and
that way you'd know you have another option. So we
were talking about farmers markets for both the clubs, the
Pinta Gorda Club, the Farmer's Market for Charlotte Harbor Roader
and the well And Park Club when they do theirs
up at the Sundays for Wellen Park in downtown well

(11:19):
And Park. So that's nine to noon and they start
at nine. I believe over at under Gordon and Jerry
Purceller for his market over there on Saturdays, and Charlotte
Harbor Road will be over there. So let's go with
a quote today, and I'm gonna give you a quote.
I'm gonna switch headphones here real quick with Zaye. I looked,

(11:40):
I just fixed at a recharge mine here, So let's
let's get back to normal with that. There we go,
quick switch, all right, ready to real Okay, here's our
quote today. I think you'll find this one very interesting.
Life is ten percent of what happens to you in

(12:00):
sent how you react to it.

Speaker 3 (12:02):
That is the best advice. That is my favorite advice.
And I'll tell you who told me that.

Speaker 1 (12:07):
Who told you that?

Speaker 3 (12:07):
Todd Matthews good time. He the best advice I've ever gotten.
And he's a dear friend. And I was upset about
something I forgot what it was my personal life years ago,
and he.

Speaker 1 (12:18):
Told me that he's absolutely right. You know who said
that or who it's attributed to? That quote from God
being a good guy and a great guy and a
friend and him that's true.

Speaker 3 (12:29):
Irving Berlin, Oh that's wonderful.

Speaker 1 (12:31):
Said that and I thought the same thing too.

Speaker 3 (12:34):
Mom actually used to say it too, in a different way.
She'd say, whether you have a good day or a
bad day, it's up to you exactly.

Speaker 1 (12:41):
That's all I used to tell everybody. It's you know,
you make your day when you get up and walk
out the door. If you got problems hanging with you
and you walk out the door and see or in
a very bad mood, usually your day's not going to
go real well. Try to leave your problems at the
doorstep when you leave, and go and do your job
or whatever you've got to do, and leave that behind it.

(13:01):
I thought that quote sunded it up pretty well, and
it's life is ten percent. What happens to you in
ninety percent is how you react to that. And that's
true because we always everybody obviously stick your foot in
your mouth sometimes get you don't think enough before you
speak sometimes, so that happens to us all. And let

(13:23):
us remember that quote, life is ten percent what happens
to you in ninety percent of how you react to it.
We'll attribute that to Irving Berlin and we're gonna put
a last week by that and says what Todd Matthews
for you. But that is a great quote. So that's
what we were talking about. So we've covered that information regarding
where the club meets. There's one thing going on right

(13:43):
now too with Well and Park. They're doing a Thanksgiving
Tree campaign. So what the way that works basically is
the Roderick Love at Willem Park and Well and Park
Welcome Center are partnering again this year for Thanksgiving. It's
a service project. It goes from my cover fifth in
No River fourteenth. The Thanksgiving Tree what it is when

(14:05):
you go in the little worn little tree will have
cupons on are for very different amounts of money. You
can get one of those and you can purchase a
like twenty five or fifty dollars towards a Thanksgiving meal
to be given to a needy family. And what the
way it works basically, if you want to do that
through the QR code that we have, you could do

(14:26):
that when you come on the Well and Park on
the Sundays at the Farmer's Market, or you go in
anytime during the week and go into the Welcome to
Center up there and purchase one of those and goes
through November fourteenth, and then those way it works on
the fifteenth of November, the well In Park Roator Club
going to pick up all those cards that people will purchased.

(14:48):
They'll go to Public they'll purchase complete Thanksgiving dinner, so
the dinners will consist of frozen turkey, stuffing, mess, potatoes, gravy,
and all the fixings for a complete Thanksgiving dinner. Then
a Waken food pantry will pick up the food and
they'll serve all the folks on Thanksgiving. So hoping to
do a couple hundred meals this year. I believe it
was about one hundred and forty last year. So that's
how it works. You go in to Wall Park Welcome Center,

(15:10):
it's on Mercado Boulevard or drive excuse me. You select
the tag from the tree, and you purchase at public
as a gift card. The dial mount on that tag
that you choose. You take your gift to give it
back to the well And Park Welcome Center, or you
do it right there on the QR code you're setting
ready to go. If you need information on that, give
us a call at nine four one four eight four

(15:31):
four three four one. And that is the Thanksgiving Tree campaign.
It ends November fourteenth, and you know there's a lot
of folks that will would certainly love to you could
help out with a nice Thanksgiving meal on that day.
That's such a special day when we all give thanks
for what we have and to help others and always
to give back. That is obviously what we all want

(15:53):
to do and do the best we can to help folks,
and that is what's good about that.

Speaker 2 (15:58):
You know.

Speaker 1 (15:58):
There was a recently very important person really when it
comes to the study of the animals and different things,
passed away, and that was Jane Goodall, and we know
her as the lady that lived with the chimpanzees basically
and so forth in all the research that was done
over in Tanzania in that area, and the conversation with

(16:20):
Jane Goodall that took place a while back with the
Rotarian magazine was quite interesting. It was actually published back
in March of two thousand and nine in the Rotarian
and I talked about a lot of different things, and
just give you some highlights of that because the thought
was extremely interesting. She was quite a lady that brought
a lot of great information out and things to the
world when it comes to the chimpanzees at the time.

(16:44):
But she arrived back in Tanzania. It's like nineteen sixty
The terms ecology and environment were her only in biology classrooms,
and she's credited with discovering previously unknown aspects of chimp behavior.
They eat meat, They display a capacity to use objects
such as leaves and sticks to a greater extent than
any other living animal, with the exception of one man.

(17:10):
So according to Jane, it was quite interesting when he
talked to her her about a lot of the different
things and what she thought. So, when you know, when
I asked her, if you could characterize humans as one
of five great apes, how do we fit in? This
is what she said. The great apes are determined by

(17:32):
their lineage. Obviously, in this system, the human, the cham chimpanzee,
the battlebo champanzee are a distance from the guerrillas, and
then the rangutang and further away. At one point chimps
merged back again. And that's how close we once were
to being to them. There was some interbreeding. Main difference

(17:56):
between chimp and human genomes is the expression of the gene,
which apparently can be affected by the environment. Genetically, we
share ninety eight point six percent of our DNA, so
that's pretty pretty amazing. So when asked to attribute the
explosive development of the intellect to humankind and note that
chimps can challenge us in some ways, she said, yes,

(18:19):
that's true. We share similar, perhaps the same emotions like happiness, sadness, fear, despair, rage, anger, resentiment, frustration, depression. Intellectually,
chimpanzees are capable of doing things we used to think
only we could do. She said. They have the amazing
family relations that can last through a lifetime between mothers

(18:39):
and offspring, between brothers and sisters. We don't usually know
who the father is except through the DNA testing when
it comes to chimpanzees. And the last question of the
long interview, I'll leave it this one. They asked her
what can we learn from chimps? She said this, the
modern Western woman can learn from chimpanzees because they illustrate

(19:03):
so well how a good early experience shapes the behavior
of an adult. From the early stays of Mike Jimp studies,
she said. Chile Ki psychologist said, there's that you have
to have a good infrastructure, so you have to make
sure you have that infrastructure in place, and that's what

(19:25):
it was all about with her. But she was a
Jewish you know, just did a great job when it
came to a lot of different things. A Jewish scholar
Abraham Joshua Herschel hasubscribed the profits that as troublesome people,
and the question to her was to you accept that
they were part of your job description. She said, yes,
you have to make people a bit uncomfortable at first,

(19:46):
but it was her job to give them hope. A
lot of people don't know what to do for the
environment when you talk about it. Some people are, you know,
uncomfortable with their simple things that she mentioned the grocery
store three blocks away and make its choice to walk
and say to drive right at healthsee ecology the bad
choice that you take from you know, plastic her paper.

(20:07):
But there are environmentally friendly way she can do things
without getting everybody of upset and still take care of
the environment. I think was a point she was getting
to it. But this was two thousand and nine and
we're still talking now and all pretty relevant. I think
that what was happening there. But all in all, when
you go through it was a very long interview with her,
but she was quite a lady and spent really the

(20:31):
biggest part of her the majority of her life doing
this from nineteen sixty on. So quite remarkable. What do
you think, what do you remember hearing about Jane Goodall
and the Champans.

Speaker 3 (20:40):
Not a whole lot. I'm learning. I'm sitting here learning.

Speaker 1 (20:45):
It's quite remarkable. I mean, this is a very lengthy,
long interview but in the magazine. But absolutely amazing what
she did in her travels. She traveled constantly throughout the
world to deliver her address. She was at the keynote
address speaker at the ri Convention. That's Rodria National Convention
in Birmingham, England. Many honorary degrees that she got around

(21:08):
the world. But she certainly was a expert and scholar
in her filled But the things you can learn from
her are quite remarkable. So that was Jane Goodall. And
that's one of the things you get in our rotary magazine.
Pretty interesting stuff as to what we talk about in
different things, and we talk about things around the world
with our grants that we do around the world. Excuse me,

(21:29):
whether it's you know, clean water, whether it's for a
hygiene around you know, different things like that. It could
be polario, the eradication of it that we've been working
on for a long time. The conversation really is ongoing
because there's so many different things and so many needs
in the world that I just thought her life and
her work was just absolutely fascinating what she accomplished and

(21:52):
what she did, and you could certainly put her down
as a pioneer in her field. There's no doubt about
that when it comes to it. So let me ask
you a question. If I were to ask you, who
do you think, in your opinion, saying made the biggest
difference when it comes to helping people around the world.

(22:18):
An individual, one person in your mind, and you think
it's made a huge difference around the world, whatever the
subject may be, What the difference they've made. I'm in
the same other Teresa outstanding, absolutely right, And.

Speaker 3 (22:33):
She said one of her quotes was but right before
she died, she said, I've traveled all through India and
I've been in many, many horrible places, and I've seen
all kinds of diseases and people suffering. But she said,
the saddest and most terrible thing that I've seen is
the lack of love.

Speaker 1 (22:54):
Absolutely right, And that's a love, compassion Empathey. We all
have to, you know, like I said, Linda, hand do
the best. You can't help people, there's always somebody you
can help, reach out, lift them up. Your kindness will
make their day and lift them up. And that's the
biggest thing you can possibly do. So I know we're
up against the clock for today, but it's uh. We've

(23:14):
cover a lot of different things, very interesting and I
think Jane Goodall was certainly well worth covering a lot
of timeline. So remember the rotary meetings. Charlotte Harbor Rotory
meets seven eight thirty on Tuesday mornings at the IHAK
rest in seventeen eighty nine. Tammy Avaterill and Port Charlotte
and Roderd Clevin Well Park meets second or fourth Wednesday,
sixty seven pm at We'll in Park Downtown. There's more

(23:36):
information on the meetings. Give meet call Stephen Carter nine
four one eight four four three four one Until next Monday.
We'll be talking to on Let's Talk. Thanks for listening.