Let's Talk With Stephen Carter_9.1.2025

Episode Transcript

Speaker 1 (00:03):
Good morning, It's eleven thirty. This is Stephen Carter. Let's
talk with Stephen Carter eleven thirty to noon, coming to
you every Monday right here in iHeart Radio station WCCF
fifteen eighty and one hundred point nine. You can get
iHeart anywhere you go. Just go to the app downloaded,
it's free, it's easy, lock it down, take us with
you wherever you go. Please do that a lot of

(00:24):
different ways that you can do it and get connected
with WCCF fifteen eighty and one hundred point nine. And
we talk a lot of things about what's going on
in rotary, things locally going on perhaps things around the world.
We try to make it a little interesting for you.
Hopefully we are doing that. So every day's a gift.
We want to open up today's and talk about a
lot of different things coming up. We know that we

(00:46):
always mentioned the two rotary clubs and it's Charlotte Harbor Roader.
They meet on the Tuesday mornings at Ihop Restaurant from
seven thirty today thirty eight m and that's seventeen eighty
nine ten am. Trill Import Charlotte Love at Wellem Park
meets at wellm Park the second and fourth Wednesdays each month,

(01:06):
and that's at sixty seven pm at Wellam Park capsin
Financials offices up there. Today's Labor Day. Today's this show
is on September first, right, right, that is September first today.
So we want to talk you know Labor Day. What
is that? Well, we know that it's a federal holiday
in the US. It celebrated on the first Monday in September,

(01:28):
honoring Americans and the labor movement and the contributions of
all the workers that have made this such a great
and glorious country to live in. So when you think
about Labor Day, there's some images in my mind. You
think about. One is if you when you watch and
you'll see some of the old clips and when they
were building the Empire State Building and what iconic clip

(01:49):
there's a couple of them. That one then it always
gets me is you see the guy that's hanging on
the ball and the crane and the hook and everything
from back in the day, and that he's taking that
to go up that day to up and down to
like his elevator to go to work. And you think
that's pretty amazing what they did. Back that long ago.
That structure is still standing there as it is truly amazing.

(02:11):
What other iconic things do you think of, Well, you
think about what.

Speaker 2 (02:15):
The Labor Day telethon.

Speaker 1 (02:17):
Jerry Lewis and Muscargar dystrophy, and you know, thinking about that,
think about the local impact that that was from uh
the Old World Restaurant restaurant up in the Northport and
absolutely there's a lot of money he got mentioned back
in the day actually from Jerry Lewis on that. I
mean he did it. He and his wife and the
folks up there and all the people in there did

(02:38):
a great job supporting that and it was truly an
event there and it did such good music and absolutely
some of the you know, you think about some of
the other things. Think about if you read the story
about the construction, for instance, of the Golden gate Bridge,
how unique that was many said they couldn't do that,

(03:00):
and how it was designed with the cable system, and
how it was the structure was put up and how
long it took. And then you talk about the continual
maintenance of it. But it's pretty amazing. And then you
see like our version of our small version of that
with the skyway down here and the unique things that
you see with those cables and now you're seeing more
and more of with that technology that goes into these things.

(03:22):
Pretty amazing stuff. But that's the innovation, and that's the
labor of all the folks in the United States over
the years and still going on. So you know, I
still think that the best country to live in is
right here. And the things that the Americans have done
and the labor, whether it's putting the cars together, the

(03:43):
trucks together, building the structures they built, absolutely amazing. The
other would be the Hoover Dam. When you think about that, well.

Speaker 2 (03:51):
It's amazing what men and women have done.

Speaker 1 (03:53):
Absolutely you know, and I.

Speaker 2 (03:55):
Say women because Rosie the Riveter during World War Two, right,
just amazing, how how many planes and tanks and military
vehicles that they built on those assembly line.

Speaker 1 (04:08):
Yeah, the wasper of the you know, the the women
back in that day would that would we're trained to
fly and they would ferry these new the new planes
being built through the different locations so they could get
them sent out and get them into the war. Pretty amazing,
absolutely amazing. The unsung heroes are heroines of those women

(04:28):
back in those days. That did those and all the
other things. So it is truly amazing. And that's Labor
Day and that's why we we celebrate that, celebrated safely,
enjoyed the day and have a good Labor day. And
you know, thank God from America. Right, that's right, best
places in the world and no doubt about it. With that,
let's go to a let's se a quick quote here,

(04:49):
real quick for you. Okay, let's see how you're doing
in this labor day saying.

Speaker 2 (04:53):
I've gotten one since the show started, all.

Speaker 1 (04:59):
Right, this quote is the very essence of leadership, is
that you have a vision. You can't go without the vision.
Who would have said that? Walt Disney? Hmmm mmm, I

(05:20):
think no, I think I Nick on thee think about academically.

Speaker 2 (05:25):
Okay, welcome back to that.

Speaker 1 (05:27):
Yeah, I think academically. We'll come back to that quote.
Is that Cia Carter Insurance on the line.

Speaker 3 (05:33):
It is, how are you guys doing this?

Speaker 1 (05:35):
Fine morning, my tribut I'm gonna answer it. I think
that's Nick. Hey, I'm right saying I got that one, right? Yeah,
all right, Nick, what are we going to talk about today?
What's going on in the world of insurance?

Speaker 3 (05:50):
Well, you know, uh, we don't want to bore everyone.
And when we always talk about hurricane season and the
different storms and preparations because everyone should already be doing
that this time of year. And but this time I
would like to actually ask you a question since I
just heard you asking Xana question there.

Speaker 1 (06:09):
What uh? What?

Speaker 4 (06:11):
What?

Speaker 3 (06:12):
Coverage on auto insurance is roughly two dollars a day
that a lot of people are hesitant or don't understand
to take out. What what coverage do you think that
would be? Hmm?

Speaker 1 (06:31):
Would that be It couldn't be uninsured motors because it
could very be more than Actually.

Speaker 3 (06:41):
It would be uninsured motors coverage, but it would be
estimates a day.

Speaker 1 (06:49):
That never just didn't sound right to me, but I
thought it would be you m yeah, tell us about
uninsured moders the importance of it.

Speaker 3 (06:55):
Yeah, so that and that is why I brought it
up right there, because a lot of people it isn't
optional coverage. But unfortunately we live in a state of data.
Florida is only one of two states in the entire
United States that does not require people to have a
bodily injury coverage on their auto insurance. So what that

(07:16):
means is to have a license plate, and to be
technically legal to drive, you need property damage and you
need PIP those two coverages and you get a license
plate and you can drive around the state of Florida.
Part of that, though, is if you get into an
accident with someone, you will be personally held responsible for
the financial responsibility portion of that. So you will personally

(07:39):
have to fix people their stuff, property, that type of thing.
But if you get into an accident with someone who
does not have insurance and it's not your fault, you
are reliant upon that other person who does not have
insurance to fix you, right, So the uninsured motors portion,
it is an optional cover ridge. However, it comes into

(08:02):
play if you get into an accent with someone who
doesn't have insurance. The current statistic is a rough is
right around roughly thirty percent of drivers on the state
on the roads in the state of Florida do not
have insurance or enough insurance to fix you or your
vehicle if you were to get into an accent with them. Okay,
so think about what I just said. Thirty percent, So

(08:25):
you are sitting at a four way stop. At least
one of those people at a four way stop does
not have insurance driving on the roadway currently right now, Okay.

Speaker 1 (08:34):
Now that is so for when people say that that's
because it's not a situation, I don't think it's We're like,
it's insurance company's fault. It's I think it's a legislation's
fault on not making that different for the requirements. Don't
you when it comes to that an insured money, Absolutely.

Speaker 3 (08:54):
You hit it right there on the head. And actually,
the past two legislative sessions, there have been advocates trying
to get that law passed, and it has been vetoed twice.
Actually by it was passed bipartisanally. And I want to
make that very clearly because when the world of the
of politics, it's not it's not a partisan issue. It

(09:17):
was passed twice bipartisanally. Republicans and Democrats passed it, and
it was vetoed by our current governor twice not to
put into and change the laws to require people to
have bodily injury on their insurance. Now, part of the
reason for that is that they argued that it would

(09:38):
increase the costs of people on the insurance side of it.
The short answer is no. The long answer is kind.

Speaker 4 (09:46):
Of and why I say kind of is yes.

Speaker 3 (09:49):
What it increase the costs on the people who do
not carry the insurance currently, Yes, it would because they
do not have insurance. Those are those thirty percent of
drivers that we're talking about that do not carry in insurance. Right,
So right now all of us who do carry insurance
with the uninsured motorist portion have to basically ensure ourselves
against that thirty percent that don't spend any money for

(10:11):
the insurance that they're saying would affect consumers. Does that
make sense yet?

Speaker 4 (10:17):
Clear?

Speaker 1 (10:17):
So when someone asked you and they said, well, what's
the difference, why do I need that? So if you're
underinsured or insured, explain how that works for somebody that
win that situation. So the essence of why you really
want people to have.

Speaker 3 (10:32):
It well, and so that's the other thing too, is
the underinsured. So our state minimums for the state of
Florida are ten thousand and twenty thousand, ten thousand per person,
twenty thousand per accident. We all know how quickly ten
thousand dollars goes if you have to go into a hospital. Right,
that's a couple tests right after you sign the emission paperwork,

(10:52):
it's basically, you know, ten thousand dollars has been spent practically,
so that's that's the state minimum coverage. So if you
and then you have the ones that if they don't
have even that because you're not required to have bodily injury,
that's that uninsured portion, right or the under insured. And
so if you get into an accent with that same person,
it works the same way as those who don't have it.

(11:15):
If you don't have uninsured motors coverage on your own policy,
then you are will have to go through the civil
courts to get someone to pay you back for what
they've done to you.

Speaker 1 (11:27):
The short answer on that, so the amount of money
that it really isn't all that extremely expensive, is it? No?

Speaker 3 (11:34):
And that's what I was saying, Roughly two dollars a
day right now, you can have uninsured motors coverage on
your policy, and so for sixty bucks a month, you
can have one hundred and three hundred typically on your policy.
The average cost is two dollars a day. It does
depend on your individual driving records and so on and
so forth, and play with the rates in and of themselves.

(11:56):
But that coverage, though is optional, is a very very
important coverage.

Speaker 4 (12:01):
Absolutely, and we really wish people would, you know, consider
taking the time to review their coverages to know what
is actually on there, and you know, talk to your
state legislators and your and your representative and ask them
why we don't require bodily injury coverage on auto insurance.
But you know, you can give us a call at nine.

Speaker 3 (12:21):
Four one or eight four four three four when we
can do an insurance roof for your auto home whatever
you'd like. And you can also go to our website
CIA s r Q dot com put on a contact
us form and we can definitely take a look at it.
We can go over the importance, fully explain uninsured mode,
do all those things to make sure that you guys
are prepared and protected on the roadways down here.

Speaker 1 (12:42):
And be mindful of the hurricane season. It's still we're
still in hurricane season obviously, so we always want to
make sure be prepared for your.

Speaker 3 (12:48):
Checklists are there, that your your stormage supplies are there,
always prepared that you're prepared for it.

Speaker 1 (12:55):
All right, Okay, we're up against the clock. That's been
nick with CIA Carter Insurance. Thanks for calling it. We
will talk to you again next Monday as always, Thank
you very much, you too, all right, So that was
CI Carter Insurance with the update on insurance. Talking uninsured
motors is a very important things. You could have insurance

(13:15):
and you get hit by somebody that doesn't have insurance,
it goes to your company if you if they're under insurance, sway,
it's going to go. You know, you want to make
sure you're protected that way. That's that's why it's a
very important subject for that something we.

Speaker 2 (13:29):
Ought to talk about stacking insurance.

Speaker 1 (13:31):
Okay, we can go over that next show, stacked and
non sack. Yeah, the importance to that absolutely, I'll make
sure we do that. All right, So today talking about
we've got things going on in the world of broadery. Right,
let's finish that quote. The quote was the very essence
of leadership is that you have to have a vision
in order to be successful. Who would have made that quote?

Speaker 2 (13:51):
And you say academic, So this would be a great
teacher or professor. Impossible. I'm just going to take a
wild stab. Oh man, Albert Einstein.

Speaker 1 (14:05):
No, this was Theodore m. Hesburgh.

Speaker 2 (14:08):
Oh, I didn't know that person.

Speaker 1 (14:10):
Former president of University of Notre Dame.

Speaker 2 (14:13):
Wow.

Speaker 1 (14:14):
Great, great, quotes very good for leadership information and quotes.
But the very essence of leadership is you have to
have a vision before you can be successful with that.
You've got to, you know, set your goal, have that
vision as you as you're moving forward. So that's our
quote for this morning. Let's talk about today. We talked

(14:34):
about September one, which it is. We talked about Charlotte
Harbor Roadery meeting Tuesday mornings seven thirty eight thirty at
Die Hop Restaurant on Tuesday mornings. Befort Charlotte their walk
coming up October twenty six for nursing scholarships. Give me
a call nine four one for eight four four three
four to one if you need information on that, how
to be a walker, hot a sponsor, get involved. That's

(14:55):
at Westport helps raise money for the nursing scholarships. Does
a tremendous for scholarships as Charlotte Harbor Roady Rotary have
been around since nineteen eighty in April nineteen eighty and
we have given tons of money away in scholarships deserving
seniors in high school that are going on to college
and the nursing is part of that. The other September six,

(15:17):
that's five days away from today is the second annual
Rotor Club at well And Park Golf Tournaments. Big tournament
coming up and why that is And all things are
always good when it comes to helping a great cause
and this is a great cause. This is presented the
second annual charity golf tournament being held at the well

(15:38):
And Park Golf and Country Club by well And Park
Rotary and it is to benefit the Northport Police Department.
One hundred and fifty dollars players five sixty for foursome.
You may still be able to get in you at
five days give us a call we might have an
opening for you. Fun Raffles Security Golf Tournament raising this

(15:59):
money helps to positively impact the community, including the assistance
of the Northport Police Department Canine Unit to keep our
community safe in the areas around safe and secure registrations
at eight o'clock. It's a shotgun started at nine. Prior
to that you can have a continent breakfast hits in
balls and on the driving range start at nine one o'clock,

(16:22):
come in lunch awards. Raffles. The title sponsors Caps and
Financial Group up in Wellen Park and they have other locations.
That is where Wellen Park has their club meeting second
and fourth wednesdays of the month. There's one hundred thousand
dollars cash holding. One prize contest too for the longest
one man and one woman to the qualify with the

(16:42):
longest drive the man and woman they have a chance
for that so that players get shot at that. Other
prizes going on. We've got a lot of great sponsors
from a Florida's Spa. They're giving if you with Florida
Spa if you're a player, each player gets one hundred
hour gift card to their spa up in well In Park.
Plus they're all so doing a sponsorship with us, so
they're doing a great job. Gettle Automotive doing a great

(17:04):
job whetherus they're a Birdie sponsor. They're going to have
three or four cars out on the course, so you
can take a look at some of their cars to
and like see what they have to offer. Grand Air
a lot of different sponsors. You can check out our
website and you'll see on that website everybody that sponsored,
all the sponsors are scrolling across the top of that
and tell you all about that. But it's raising money

(17:24):
for the Northport Police Department Cainine Unit. So it's a
rotary club at wall Park presenting the second ANIL Charity
golf Tournament on Saturday, September sixth, twenty twenty five, well
Park Golf and Country Club. Please, if you haven't signed up,
give us a call. Maybe you can still sign up,
or maybe you'd like to make a donation that could
go towards the Northport Police Department Caainine Unit if you're not,

(17:45):
since this is September first and you're getting close, but
we'd love to hear from you, so give me a
call nine four one four eight four four three four
one and I'll answer any questions you may have regarding that.
So it's it's really it's a great tournament and it's
a great off course, relatively new course at Wellham Park
and we'd love to have you be there and help

(18:06):
support the Northport Canine Unit and the Roader Club at
Wellham Park putting that on. So that's what we're doing
with that one. A lot of great things going on,
so we know upcoming there's some other things going on.
Let me ask you a little trivia question. Are you
ready to say yeah, I might, I might actually you

(18:28):
might know this one.

Speaker 2 (18:30):
I feel good, take a.

Speaker 1 (18:32):
Shot at you. Sorry, all right, you know what the
billboard top one hundred is, right? Oh yeah, Okay, when
do you think that started?

Speaker 2 (18:44):
I'm gonna say sometime in the forties, maybe because the
big band ear.

Speaker 1 (18:51):
Uh no, no, actually, first time it started was nineteen
fifty eight. As a matter of fact, thanks for asking, Yes.

Speaker 3 (18:58):
Wow, it was.

Speaker 1 (18:59):
Yes, the first billboard was published for the first one
hot one hundred in nineteen fifty eight. The follow up question,
and that bonus question to you, Zane, is this who
was on the top of that list when it first
came out in nineteen fifty eight.

Speaker 2 (19:17):
I'm going to say Elvis Presley because that's about the
time he came out.

Speaker 1 (19:21):
Will that's not a bad answer, However, it's not right.
You know who it would have been. It would have
been and the song was poor Little fool.

Speaker 2 (19:30):
Oh, that's a great song.

Speaker 1 (19:31):
Ricky Nelson, Absolutely, Ricky Nelson, he was on top of
that list. I thought that was quite unique. He held
the spot for two weeks before being knocked off by
Dominique Gino's Ballari Oh wow that one, and then he
got kicked, you know, foot it out at number one
for that, but that was nineteen fifty eight, so it's
pretty amazing when you think back on that. And I

(19:52):
was amazed that it was Ricky Nelson holding the spot.
He was hot there for one when it was probably,
you know, almost a teenager at that point. So but
that was quite unique.

Speaker 2 (20:02):
Good music back then.

Speaker 1 (20:04):
I wasn't there, nor was I but I thought that
was pretty cool to hear that. Yeah, so you're hearing
all those different things we know about. If you want
to be a member of Roadary, you can give us
a call. You can be involved. We talked about the
Water for Mozambique and as well as in the past
we talked about the Wheelchair Foundation, the Gift of Life.
We're going to be having our fundraising dinner at Walling

(20:26):
Park at Solace Hall on February seventh, twenty twenty six.
Mark your calendar. Please get involved with that. You can
give me a called nine four four three four one.
That is to benefit the pediatric cardiac surgery for little
kids around the world, not only around the world, but
in the United States if they if they need that,

(20:48):
if they need a life saving operation for it, say
a heart defective velove, whatever the case. May be. This
program is fantastic and now the largest NGO in the
world when it comes to providing pediatric cart the x surgeerrself.
Together you can help save a life. Together, you can
do something about people need a little children like that.
With your help, we can change that. And the goal

(21:10):
this year in twenty twenty five is to help five
thousand children worldwide with cardiac surgeries. Every ninety nine minutes
a child's life is saved every ninety nine minutes. Together
you can make a different. So give me a call
about Gift of Life. I'm fortunate enough to be on
the board for the Gift of Life of State of Florida.
As the secretary we're having doing this, I get to

(21:34):
the honor of being the share of the committee for
the fundraising dinner this year, and we're having it up
here well well in park at Solace Hall, So we're
looking forward to that. We'd love to have everybody come out.
If you want to get involved with that or make
a donation, please give me a call it nine four
one four eight four one and ask your questions about
that when you go over that. It's a great, great
cause and a great thing that I think is done

(21:58):
around the world and there's such a need. We again
we talk about Labor Day and the great things in
the United States that are out there, and what's done
in America, and we take for granted our healthcare system here, which,
like anything else, you know, nothing's perfect. I still think
we have the best healthcare system in the world when
it comes to that, and that's you know, go around

(22:21):
the world where that's Europe, wherever it, Canada, where the
case may be, their systems seem to be a little
behind when it comes to what we can offer in
the United States when it comes to medical treatment, and
our doctors and nurses that are volunteering their time to
go out and teach these folks in these areas that
need to help how to be sustainable, how to do
the operations, what equipment they need, help them get it
done so then they can continue on and take care

(22:43):
of those in their own areas.

Speaker 2 (22:45):
So that's myself and my friends and even relatives have
all benefited from not only the expertise but also the
dedication and just you know stick to itiveness of doctors
and nurses in our area at both hospital.

Speaker 1 (22:59):
Absolutely yeah, and that's why with the nursing scholarship we're
talking about with that walk for nursing scholarships or Charlotte
Tarboro rodri and all the the great things. You know,
when it goes back to Tom Rice and when he
was CEO of the hospital, and and go back to
all the great staff and people that they've had at
all the hospitals here and the great jobs that they've

(23:20):
done over the years. We can't thank them all enough.
And that's what they're there for, and they do a
tremendous job, and they're dedicated and they do a wonderful job.
So if you see somebody and the health industry, always
make sure you think and thank all of our service
owners and all the police officers, everybody out there that
makes everything happen, because you know, all that goes together.
You know, this is Labor Day, so you know, have

(23:42):
a good holiday on this Monday, but be safe, but
have a great time with your family, enjoy it because
of all the good things we have, and take care
of what we've got going on. A lot of things
coming up in the news. You know, one thing recently
and I did want to mention, and I'm a little
late on it, but I want to mention recently, there
was a birthday of a guy that used to work here.

(24:03):
It was a very good friend of mine worked with me.

Speaker 2 (24:06):
That would be Dave Darrel.

Speaker 1 (24:08):
That's one. The Happy birthday to Dave. Who was the
other one, David Airs. How about Larry Cantner.

Speaker 2 (24:16):
Oh, I love Larry.

Speaker 1 (24:17):
Larry's my buddy. We used to do the remotes for
the Tripway show. He and I would go up to
the Universal as they were building out the Island's Adventure
and had some good experiences and went up and we
did remotes up there. He did the board for me
for years and helped me out with that trendous job.
He turned eighty eight recently, so I wanted to gi
him a big shout out to Larry. Really good guy.

Speaker 2 (24:39):
Yeah, but Larry, I'd love to see him.

Speaker 1 (24:41):
I would too. Haven't seen him for a while. So
he was over at the Cultural Center a few years ago.
He stopped in one day, but it's been a while.
So he was a great guy. He is a great guy,
and he and his wife. Shout out to them and
the good people and happy birthday related again to Larry.
I'm want to make sure he heard that on the
radio though, so he's a good guy and great guy.
Let's wrap it up for a day it's been Let's

(25:01):
Talk with Stephen Carter. We come to you on Mondays
from eleven thirty to noon right here on iHeartRadio WCCA
fifteen eighty one hundred point nine on your dial, get
us on the iHeart app. Listen to us anywhere you go,
think about rotary where you'd like to lend a hand,
help people lend a hand. Do the best you can.
You informission, get me called nine four one four four
three four one. We will talk to you next Monday

(25:23):
on Let's Talk with Stephen Carter. Have a great day,
Happy Labor Day, and have a safe one. Talk to
you next week.