Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
Good morning, Stephen Carter with Let's Talk with Stephen Carter,
coming to you every Monday from eleven thirty am until
noon on iHeart channel fifteen eighty and one hundred point
nine FM. You remember, you can go to the free
iHeart app, sign up and plug that in. You can
(00:22):
take us anywhere you go and listen to iHeartRadio and
just show any place you go and just go in
and the app's free.
Speaker 2 (00:28):
Check it out. You'll like it.
Speaker 1 (00:29):
You can have your local information coming to and different
things that we talk about not only around the community,
around the counties, are out here around the country. Sometimes
we'll always be talking rotary things and what we do
for the various items that we cover for rotary. So
those are important things. So mark that down. Every day's
a gift, you know, and that's how you have to
(00:51):
look at it and you make your day.
Speaker 2 (00:52):
You make it.
Speaker 1 (00:53):
You make it good or bad. When you step out
of the house. If you're in a good mood, you're
going to despite what things may come up.
Speaker 2 (01:00):
Hearing have a good day.
Speaker 1 (01:01):
If you walk out the door, though you had some
things weren't going so good before he left the house.
Leave that at home, go out the door. In a
good mood, you'll have a much better day. So check
that out and do that then as you approach today.
But every day is a gift, So let's open up
today and see what is on for to day. When
we're talking today is September twenty fourth. Time is flying by.
(01:24):
So we'll talk about what's going on in the community
at the different Rotary clubs and what is taking place there.
We'll be talking today about the atoms coming up. We'll
talk about what the foundation does for Rotary too, and
mention that give you a little background on the new
international president for Rodary and talk about that. First, I
(01:45):
wanted to mention, Oh, we've got a caller in the
lines an well, good morning, you're under the air.
Speaker 3 (01:53):
Good morning. How are you guys doing good? Nick?
Speaker 2 (01:55):
How you doing, Buddy?
Speaker 3 (01:57):
Doing just fine?
Speaker 2 (01:58):
That's Nick.
Speaker 4 (02:00):
It's Nick Carter, Carter Insurance famous guy.
Speaker 3 (02:04):
Yeah.
Speaker 2 (02:05):
I think he sang in a band somewhere, didn't they. Yeah?
Speaker 4 (02:08):
Yeah, the Street Boys.
Speaker 2 (02:11):
The Wrong Street Boy or the Backstreet Boys. Yeah, yeah, yeah.
Speaker 3 (02:14):
I don't think anybody wants to hear me sing, But
that's fine.
Speaker 1 (02:17):
Way he's way back in the back of the Backstreet Boys. Yes, Okay,
all right, So today, Yeah, we've we've been talking about
insurance updates and we always have and appreciate the updates
and when we talk about what's going on in insurance, homeowners,
auto commercial. So today let's focus on auto and what's
(02:40):
going on and some of the things that you're seeing
transpiring as of late with auto in the state of Florida.
Speaker 3 (02:47):
He was, that's a that's a loaded questions that are
that are happening right now when it comes to auto
coverage and different things. Before we touch on a couple
of those, you always ask what we see going on currently. Well,
one of those is still that trend of the golf cart,
(03:08):
the low speed vehicles that people have been getting for
their neighborhoods and other uses. But where they are street
legal and they can drive on the road, yes, those
can be ensured. Yes we can do it. One thing
that everyone seems to forget is that even though they're
(03:29):
a golf cart, they're going on the road, so they're
treated as a regular vehicle. Right, we can do golf
carts that are purely recreational that do not go on
to the roadway and are not street legal. Those have
a separate policy designed for off road use and that
type of thing. But when you get into getting those
(03:51):
golf carts that are especially designed go onto the roadways,
those are treated like a vehicle. So if you are
going to go out and perch is one of those
really cool golf cart because they really are cool nowadays.
You know, they have a lot of features on them
that they don't they didn't used to have, but they
are a car in a sense, and they're going to
(04:11):
be rated as a vehicle, right, So that is one
important thing to just keep in mind. They can be covered,
they are going to be added to your auto policy
and that type of thing. So that's what we've been
seeing a lot of is the golf carts. As of late,
people are still purchasing them because they're cool and they
have a lot more features and they do a lot
(04:32):
more things than they used to. So I don't think
that trend is going anywhere on that one, but just
please remember when you purchase them, they're going to be
treated like a vehicle. Right. And one of the bigger
changes that's come up, because you hit me with the
changes right off the bat there, has to do with
the windshields. You know, the windshield coverage that people have
(04:54):
gotten used to over the years, where you would call
in and yes, you still have a comprehensive claim on
your record, but you wouldn't necessarily have to pay anything
that type of thing because you had comprehensive on your policy.
Those days will be changing soon and those phone calls
will be a little bit more, a little bit different
(05:17):
on that. But there are more vendors capable of handling
those windshields than they're were in the past. So those
changes will be coming up soon rather than later on
that one, and they will be changing also differing things
when it comes to the personal injury protection. You know,
we've mentioned that and we've highlighted that before when we've
talked about uninsured motors coverage, which is still optional but
(05:40):
still highly recommended out there. The personal injury protection stuff
that is going to actually be changing. I know several
lawyers that are actually getting new jobs because of the
changes that are being made, and that's from their words,
not me on that one, because of what those means
and how they get paid up. So there's gonna be
(06:01):
a lot of stuff coming up and all of that.
What does that all mean? That means it's time to
check out your insurance policy for your car and make
sure a you've got your coverage, but b check your pricing. Right.
We have been actually re quoting people. There have been
rate decreases that have come through recently and those those
(06:23):
changes have really been a benefit to the consumer. The
pricing has come down, I know for there for a
while the pricing was going up. It's kind of leveled
off and now you're gonna now we're starting to see
it kind of taper back down in the other direction.
But one thing that still hasn't changed is that uninsured motorist.
(06:44):
You know, there's still a bunch of people that don't
take that out. And they also there's still about thirty
percent of drivers on our roadways that do not have
any type of insurance or enough insurance to fix you
if you were to get into an accident with them.
So you know, from those golf carts that everyone likes
to see and play with, right, and those are now
(07:05):
on the roads at a lower speed with less for
you know, they're not a car, they don't have a
steel body around us, so they do offer a little
bit less protection. You still have thirty percent of drivers
that don't have coverage or one of those recipes. You
want to make sure that you have your coverage and
your item is in place that you know you'll be
(07:26):
able to protect yourself because other people are not going
to protect you and they're not going to have those
coverages on their policies, you know.
Speaker 1 (07:33):
So again it's going back to make sure you getting
your questions answered. But you got to ask the question
to get it answered and have it reviewed and make
sure those those are very important things. Ess when you're
talking about the windshield and you're talking about the golf cart,
because everybody thinks they can buy the big fancy one
and it's street legal, but they don't have to insure
the street legal. But once they see the designation it's
(07:55):
street legal, they have to insure it that way, don't
they exactly?
Speaker 3 (07:58):
And I'm glad you brought that up, but I forgot
to mention that, yes, we are part of our quotes.
We've been doing those three legal golf carts and if
you don't want to have it on the road, that's great.
But as soon as that them number and make a
model are initiated, it gets reviewed and as soon as
it's noted, as you know, that six seater golf cart
(08:22):
goes x miles an hour, it does not qualify for
that off road policy. And even on your homeowners there
are homeowners policies where you can add that golf cart
liability to it. If it is a street legal golf cart,
it is not supposed to be on that. You may
get it added, but don't be surprised. You may get
(08:43):
it for a year or two, but don't be surprised
when that golf cart gets pulled off of that homeowner's
liability extension as well, because they are not designed for
the off road use. They're designed for, you know, a vehicle.
Speaker 2 (08:57):
Yeah, yes, exactly.
Speaker 1 (08:58):
So I think what you're saying is the fact that
it's rated to be driven out on the road. So
if you had it where it was off road and
you drove it out on the road and it's not covered,
you're not going to have any insurance. So people have
to make sure they're doing it right. So you're not
going to be able to say, yeah, I got a
street luke wall never take it out there. So it
goes by the category of the visactly because it is
a vehicle exactly.
Speaker 2 (09:19):
Okay, Well, and not just.
Speaker 3 (09:20):
That, but you know also too, when when when you
talk about the recreational golf cart, a lot of the
times those are two to four seater type setup and
they're more designed to be driven on a golf course.
You know, those are the quintessential perfect off road, non
street legal golf cart. Right it is that two person
golf cart. You put your clubs in the back there,
(09:42):
you're going out and you're hitting eighteen holes, right right.
Those golf carts aren't designed to be on the road,
and they also don't carry six people or more some
of those other ones.
Speaker 2 (09:54):
Yeah, right, right, So how can they get some information?
Speaker 3 (09:58):
They can give us a call at nine to four
to one for eight four four three four one, then
go on to our website CIASRQ dot com, put in
a contact us form, upload their decorations pages, any reports.
Have had to take a look at it. And yes,
it is still hurricane season, so please keep an eye
out on the tropics. And if you have questions still
about flood insurance, you still have time to get flood
(10:19):
insurance thirty day weight for NFIP, ten dayweight on the private.
But give us a call. We can go over all
those options with you.
Speaker 2 (10:26):
Okay, great.
Speaker 1 (10:27):
Thanks Nick, give us a call next Monday and we'll
talk again between eleven and thirty at noon right on Mondays.
Speaker 2 (10:33):
All right, thank you, have a good one, have great day, buddy.
Speaker 1 (10:37):
All Right. That was Carter ci Card Insurance. Very good
points that he mentioned. So if you need information, give
him a call there and let them check and review
things for you.
Speaker 2 (10:45):
All Right, it is.
Speaker 1 (10:45):
Time for our quote of the day. The quote of
the day, zaying is this. I start with the premise
that the function of leadership is too produce more leaders,
not more followers. Who would have said that, oh.
Speaker 4 (11:06):
Man, Franklin, eleanor Roosevelt? Maybe no, okay, well he was
a good leader.
Speaker 2 (11:14):
Oh absolutely. Quote of the day.
Speaker 1 (11:17):
I start with the premise that the function of leadership
is to produce more leaders, not more followers. That was
said by not really he was at He was a
politician a little bit, but not that much. He was
a consumer advocate. Ralph Nader.
Speaker 5 (11:34):
Yeah, there we go, Ralph, who can forget the corvet exactly?
Speaker 4 (11:40):
My boss drives one.
Speaker 1 (11:41):
My brother car my brother when I was a kid,
when we were he's like, he's two years older than me,
and he had one the little quarter spider pull little
car we're driving. One day, I'm riding with him, and
you know, you get the little.
Speaker 2 (11:57):
Pumps in the road.
Speaker 1 (11:58):
We go over one and come down and one of
the bracket holding the motor in the back let it
loosen it when it came down. Then the motors like
dragging under ground. Obviously I had to stop. But that
was a pretty slick little car. The other and that
that was like detailed. It didn't work out well for it.
Speaker 5 (12:13):
I got a quick one for everybody. My dad's best
friend at Sears back in the day. He was going
to go to lunch. So he goes out to his Volkswagen,
opens the door, sits down, tries to start the car.
The car won't start. He goes around back, opens up
the engine compartment. Right, the engine's gone. That's why it
wouldn't start.
Speaker 2 (12:32):
They were really a pretty cool car back in the day.
Speaker 4 (12:34):
Well, he probably stole the engine to make a rail buggy.
Speaker 1 (12:38):
Oh yeah, then that's whatever would do. They just put
him on it and that was your doune buggy basically.
All right, So let's move on to what's happening in Rotary.
We got we know we talk about I usually talk
about the Rotor Club at Welling Park meets the second
and fourth Wednesday, and he's from six to seven at
Downtown wall And Park at the Capstan Financial Consulting Offices
in Downtown wall And Park. I need more, I should
(13:00):
on that, give me a call at nine four one
forty four four three four to one. Always great meetings
coming up, you know, and different things that we're doing
and talking about at that club. And then when we're
talking about the Charlotte Harbor Roader Club that's meeting down
here obviously as it does on Tuesday mornings from seven
thirty to eight thirty am at the Ihop Restaurant seventeen
eighty nine, Tamiamy Trail and Port Charlotte. Great speakers, always
(13:23):
coming up, great things to do. The big thing coming
up for them is at the Charlotte Harbor Club right now.
Save that date coming in real real soon if you
haven't gotten in, because it would be it's it's coming
up real quick and on September or October shooting October
twenty five of twenty twenty five. Save the date so
you got a little time. Today's show is September twenty four,
(13:44):
so you got just about a month you could sign
up to run or walk the Rounds for Nursing help
solve the critical nursing shortage to southwest Florida. It's October
twenty fifth, twenty twenty five, with a Saturday at Centennial
Park and Port Charlotte. Registration seven am. Event begins at
eight ams by the Rotary Club of Charlotte Harbor and
it's to help raise money for scholarships for those high
(14:06):
school graduates of the area that will be pursuing a
career in nursing or in the medical field of some sort.
They would have a chance to get a scholarship. So
that's how it help raise money for that, and that's
been going on. So you can be a sponsor, you
can showcase your business. You'd be a runner, you can
be a walker. The way you get into it. There
are seven age groups of runners with race management and
(14:26):
timing provided by Beach Bum Timing, plus one on time
group for the walkers. And you can register to run
or walk online at www dot run sign up dot com.
That's www dot run sign up dot com and find
the race you want enter and get all set. That
will also tell you what it would cost you to enter.
Because be a little different for the age group and
(14:48):
so forth, and what race, what you're signing up for.
Speaker 2 (14:51):
So that again is save the date.
Speaker 1 (14:53):
October twenty five, twenty twenty five Centennial Parkport Charlotte Runner
walked up Rounds for Nursing help solve the crit nursing
shortage in southwest Florida that is sponsored by the Rotary
Club of Charlotte Harbor helping provide with the funds and
proceeds raised from this to provide educational funding for scholarships
for graduates of area high school students they want to
go on and pursue a career in nursing medical field.
(15:16):
So that's the big thing all about it. Sign up
by going to www dot run sign up dot com today,
mark to date Saturday, October twenty five of twenty twenty
five for raising money with the run or walk the
Rounds for Nursing sponsored by Charlotte Harbord Rotary Club. All Right,
talking about what's happening there with the run and the
(15:37):
different things we've been talking about. Make sure on Sunday
Sundays if you want to check out the.
Speaker 2 (15:45):
Well In Park Club too.
Speaker 1 (15:46):
You stroll around downtown Walla Park on a Sunday morning
and check it out and see what's going on. And
the farmers Market that's up there. There's a representative from
the Well and Park Club that's always up there in
those states too, and you talk to see what's going
on when it comes to the activities for them on
that Sunday and check that out. But if you need
(16:07):
more information on interclub, call it nine four to one
for eight four four three four to one and we
can talk about it. So, you know, we talk about
a lot of different things going on with rotoring what
we do. And for instance, let's talk about the Roators
Foundation focuses to do global, local and global rotary initiatives.
(16:32):
The big global thing we've done has been the eradication
of polio and promotion of peace throughout the world. And
nineteen thirtieth foundation started. It started with a five hundred
dollars grant to the International Society for Crippled Children back
then following the passing of roadreshounder Paul Harris when he
died in nineteen forty seven. The significant program focused on
(16:55):
scholarships established primarily to as a tribute to Paul Harris.
Over the years, more than three three hundred and fifty
thousand scholarships have been granted, affording recipients the opportunity to
pursue overseas studies and a lot of other different things
that leadership and so forth that take place the big
Rotary projects. Since I been in Rotary when I came
(17:15):
in in nineteen ninety six, this had already started in
nineteen eighty five when they had launched the eradication of polio,
the Polio Plus program that gained momentum in nineteen eighty eight.
At started in eighty five. They collaborated them with the
Global Polio Eradication Initiative that being Rotary got in partnership
with them at the time that there were over one
(17:36):
hundred and twenty five countries grappling with three hundred and
fifty thousand polio cases. Subsequently, nearly three billion children have
received now the polio vaccine, resulting in a remarkable ninety
nine nine percent reduction in polio incidents as of twenty
twenty one. Rotary's contributions to the Global Polio Eradication limited
(18:00):
by matching frones from Bill and Melinda Gates Foundation and
all the Rotarians out there. All these years, that amount
of money exceeds two billion, would be two billion dollars
and it's down to just I believe it's three cases
right now, Afghanistan and Pakistan the only three. They're the left.
(18:20):
That is truly remarkable. In two thousand and two, they
established the Peace Fellowship Program where they set up some
initiatives to go into different areas and have people talk
about how they make things better and have these folks
deployed across one hundred and fifteen countries and they hold
leadership positions, allow them in government and prominent citizens in
(18:44):
those areas help make things better in their areas.
Speaker 2 (18:46):
So that's this.
Speaker 1 (18:47):
Amazing thing what they do with When you think about that,
and you think about the eradication of polio in the world,
as you know, it is possible if someone's vaccinated, it's
possible they can still have a flur up of it
later on in life that that does happen. So it's
it's something that certainly it's been a fantastic thing with
(19:09):
the vaccinations for that and a great, great program. So
that's one of the things I wanted to focus on
today is we're talking about polil and eradication and the
big thing on that then how we're getting close on time.
But the thing that they do with this is truly remarkable.
When you're talking two billion dollars now that's been put
(19:29):
into that, granted the last few years when we get
the matching funds from Paul and Linda Gates Foundation, but
even prior to that, the money that's been contributed by
the rotarians around the world, and most I would say
probably a good part of that has come from US rotarians,
(19:49):
but that has been a huge, huge thing. So that's
the Rotary Foundation, and that's its mission is to empower
rotarians to foster world understanding, goodwill and peace by an hand, health,
supporting education, alleviating poverty. And you know, they have the
board of trustees for the Foundation. Overall it's always rated
(20:10):
at the right at like ninety eight percent in the
top for the fundraiser activity of that, so they're always
do a tremendous job, great stewards of the money. They
have foundations in various countries including the United Kingdom, Canada, India,
and Brazil. Contributions to the Foundation or any of its
associate foundations play a crucial role in securing and expanding
(20:34):
rotary programs worldwide. So whether that's a district grant we
do where we put something together to do things that
we've done for the scholarships Charlotte County Imaginational Library. Biggest
supporter of that as an.
Speaker 2 (20:49):
In goo is the.
Speaker 1 (20:51):
Charlotte Harbor Roader Clubs Charlotte Harbor Imaginational Library. The money
it's been given there about fifty thousand dollars. It's a
tremendous amount of money. That's that's a good and a
great local example. And then we've got your worldwide global
grants when you're talking about drilling wells overseas and these
rural rural countries that have no clean water and after
(21:12):
walk four or five miles to get dirty polluted water
to bring back to their village and like the waters
water from Mozambique. And Arnie Eastbourne who spoke with the
club in Wellham Park a couple of weeks ago about
how they go about the global grants and we participated
them before where they go over drill the deep water
(21:33):
wells over there and they have an excellent system set
up to help those folks and provide clean water. So
at whether it's around the United States, whether it is overseas,
there are great things being done for Rotary Rotary and
the Rotarians that are behind those things and everybody that's
doing the most good and helping folks out and do
(21:55):
those things. So if you want to be a part
of that, give me called nine four one four eight
four four three four one and see what you're passionates
and we'd love to see inquire about it. Give me
call nine four one for it four four three four one,
and I think you will find it would be a
fantastic experience for you. A couple of local things coming up.
Just bristly wanted to mention too, if we run out
(22:17):
of time today, if you hadn't noticed it winning a
top award recently, de Soto County Tourism Department earned the
prize in Rural County Marketing Division and that is that
was a big prize that they they won for that.
Universal Parks and Resorts Destinations presented that to the DeSoto
(22:38):
County folks out there recently in Arcadia. It's celebrating a
win for all of one of its teams and according
to their release from the Tourism Department, they're very honored
to accept the henry or the henry from the visit
Florida and they value the benefits of tourism that are
bringing brought forth from their county. So it's a big
(22:59):
thing for or than the Sotle County Economic Development, Tourism
and Development Director Sander Guffey. So that's a great thing
for out in the rural area for Arcadia. So I
wanted to certainly mention that mentioned. You know, you got
the Florida International Air Show coming up and that's going
to be e again and it's going to be eleven
(23:21):
to one and eleven two of twenty twenty five. That
is something we used to be on the tarmac for
about twenty some years when we do it for Charlotte
Harbor Road and provide food and drinks at the Facilita
on the tarmac at the the area that we have
for many years. A great event. It's taking place November
eleventh or November one and November two of twenty twenty
(23:42):
five at the Pinta Gorda out at the airport there
and the air Show announced the Shooter's jump Team coming
in so they'll be jumping to sending down carrying the
American flag for the opening ceremonies on November one and
again on November second, and you need to check that out.
Mark that on your calendar. November one, November two for
the International Florida International Air Show taking place out at
(24:04):
the Punta Gorda Airport. Big thing coming up. And let's
check around a little further. App let's go up to
Venice for a minute. And everybody knows Tervice Tumbler's right,
all right, everybody knows service tumbers and what they have.
You know, recently they had they've had a bit of
a relocation, but their Turvis original store in Osbury is
going to remain. They just changed some ownership, but the
one partner's still going to be one of the owners
(24:26):
still going to be running that store up in Venice
as an official store that it's the original Osprey store
there for Travice Tumblars. So we're getting close on time,
So I just wanted to remind you, lind a hand,
do the best you can. You can tune in every
Monday from eleven thirty to noon on WCCF fifteen to
eighty one hundred point nine. Put us on the app,
iHeart app.
Speaker 2 (24:44):
It's free. Take us with you wherever you go.
Speaker 1 (24:47):
You can always listen to us.
Speaker 2 (24:49):
That would be Let's.
Speaker 1 (24:50):
Talk with Stephen Carter on Monday's eleven thirty to noon.
Linda Hand, do the best you can, have a great day.
Speaker 2 (24:56):
Talk to you next week.
Good morning, Stephen Carter with Let's Talk with Stephen Carter,
coming to you every Monday from eleven thirty am until
noon on iHeart channel fifteen eighty and one hundred point
nine FM. You remember, you can go to the free
iHeart app, sign up and plug that in. You can
(00:22):
take us anywhere you go and listen to iHeartRadio and
just show any place you go and just go in
and the app's free.
Speaker 2 (00:28):
Check it out. You'll like it.
Speaker 1 (00:29):
You can have your local information coming to and different
things that we talk about not only around the community,
around the counties, are out here around the country. Sometimes
we'll always be talking rotary things and what we do
for the various items that we cover for rotary. So
those are important things. So mark that down. Every day's
a gift, you know, and that's how you have to
(00:51):
look at it and you make your day.
Speaker 2 (00:52):
You make it.
Speaker 1 (00:53):
You make it good or bad. When you step out
of the house. If you're in a good mood, you're
going to despite what things may come up.
Speaker 2 (01:00):
Hearing have a good day.
Speaker 1 (01:01):
If you walk out the door, though you had some
things weren't going so good before he left the house.
Leave that at home, go out the door. In a
good mood, you'll have a much better day. So check
that out and do that then as you approach today.
But every day is a gift, So let's open up
today and see what is on for to day. When
we're talking today is September twenty fourth. Time is flying by.
(01:24):
So we'll talk about what's going on in the community
at the different Rotary clubs and what is taking place there.
We'll be talking today about the atoms coming up. We'll
talk about what the foundation does for Rotary too, and
mention that give you a little background on the new
international president for Rodary and talk about that. First, I
(01:45):
wanted to mention, Oh, we've got a caller in the
lines an well, good morning, you're under the air.
Speaker 3 (01:53):
Good morning. How are you guys doing good? Nick?
Speaker 2 (01:55):
How you doing, Buddy?
Speaker 3 (01:57):
Doing just fine?
Speaker 2 (01:58):
That's Nick.
Speaker 4 (02:00):
It's Nick Carter, Carter Insurance famous guy.
Speaker 3 (02:04):
Yeah.
Speaker 2 (02:05):
I think he sang in a band somewhere, didn't they. Yeah?
Speaker 4 (02:08):
Yeah, the Street Boys.
Speaker 2 (02:11):
The Wrong Street Boy or the Backstreet Boys. Yeah, yeah, yeah.
Speaker 3 (02:14):
I don't think anybody wants to hear me sing, But
that's fine.
Speaker 1 (02:17):
Way he's way back in the back of the Backstreet Boys. Yes, Okay,
all right, So today, Yeah, we've we've been talking about
insurance updates and we always have and appreciate the updates
and when we talk about what's going on in insurance, homeowners,
auto commercial. So today let's focus on auto and what's
(02:40):
going on and some of the things that you're seeing
transpiring as of late with auto in the state of Florida.
Speaker 3 (02:47):
He was, that's a that's a loaded questions that are
that are happening right now when it comes to auto
coverage and different things. Before we touch on a couple
of those, you always ask what we see going on currently. Well,
one of those is still that trend of the golf cart,
(03:08):
the low speed vehicles that people have been getting for
their neighborhoods and other uses. But where they are street
legal and they can drive on the road, yes, those
can be ensured. Yes we can do it. One thing
that everyone seems to forget is that even though they're
(03:29):
a golf cart, they're going on the road, so they're
treated as a regular vehicle. Right, we can do golf
carts that are purely recreational that do not go on
to the roadway and are not street legal. Those have
a separate policy designed for off road use and that
type of thing. But when you get into getting those
(03:51):
golf carts that are especially designed go onto the roadways,
those are treated like a vehicle. So if you are
going to go out and perch is one of those
really cool golf cart because they really are cool nowadays.
You know, they have a lot of features on them
that they don't they didn't used to have, but they
are a car in a sense, and they're going to
(04:11):
be rated as a vehicle, right, So that is one
important thing to just keep in mind. They can be covered,
they are going to be added to your auto policy
and that type of thing. So that's what we've been
seeing a lot of is the golf carts. As of late,
people are still purchasing them because they're cool and they
have a lot more features and they do a lot
(04:32):
more things than they used to. So I don't think
that trend is going anywhere on that one, but just
please remember when you purchase them, they're going to be
treated like a vehicle. Right. And one of the bigger
changes that's come up, because you hit me with the
changes right off the bat there, has to do with
the windshields. You know, the windshield coverage that people have
(04:54):
gotten used to over the years, where you would call
in and yes, you still have a comprehensive claim on
your record, but you wouldn't necessarily have to pay anything
that type of thing because you had comprehensive on your policy.
Those days will be changing soon and those phone calls
will be a little bit more, a little bit different
(05:17):
on that. But there are more vendors capable of handling
those windshields than they're were in the past. So those
changes will be coming up soon rather than later on
that one, and they will be changing also differing things
when it comes to the personal injury protection. You know,
we've mentioned that and we've highlighted that before when we've
talked about uninsured motors coverage, which is still optional but
(05:40):
still highly recommended out there. The personal injury protection stuff
that is going to actually be changing. I know several
lawyers that are actually getting new jobs because of the
changes that are being made, and that's from their words,
not me on that one, because of what those means
and how they get paid up. So there's gonna be
(06:01):
a lot of stuff coming up and all of that.
What does that all mean? That means it's time to
check out your insurance policy for your car and make
sure a you've got your coverage, but b check your pricing. Right.
We have been actually re quoting people. There have been
rate decreases that have come through recently and those those
(06:23):
changes have really been a benefit to the consumer. The
pricing has come down, I know for there for a
while the pricing was going up. It's kind of leveled
off and now you're gonna now we're starting to see
it kind of taper back down in the other direction.
But one thing that still hasn't changed is that uninsured motorist.
(06:44):
You know, there's still a bunch of people that don't
take that out. And they also there's still about thirty
percent of drivers on our roadways that do not have
any type of insurance or enough insurance to fix you
if you were to get into an accident with them.
So you know, from those golf carts that everyone likes
to see and play with, right, and those are now
(07:05):
on the roads at a lower speed with less for
you know, they're not a car, they don't have a
steel body around us, so they do offer a little
bit less protection. You still have thirty percent of drivers
that don't have coverage or one of those recipes. You
want to make sure that you have your coverage and
your item is in place that you know you'll be
(07:26):
able to protect yourself because other people are not going
to protect you and they're not going to have those
coverages on their policies, you know.
Speaker 1 (07:33):
So again it's going back to make sure you getting
your questions answered. But you got to ask the question
to get it answered and have it reviewed and make
sure those those are very important things. Ess when you're
talking about the windshield and you're talking about the golf cart,
because everybody thinks they can buy the big fancy one
and it's street legal, but they don't have to insure
the street legal. But once they see the designation it's
(07:55):
street legal, they have to insure it that way, don't
they exactly?
Speaker 3 (07:58):
And I'm glad you brought that up, but I forgot
to mention that, yes, we are part of our quotes.
We've been doing those three legal golf carts and if
you don't want to have it on the road, that's great.
But as soon as that them number and make a
model are initiated, it gets reviewed and as soon as
it's noted, as you know, that six seater golf cart
(08:22):
goes x miles an hour, it does not qualify for
that off road policy. And even on your homeowners there
are homeowners policies where you can add that golf cart
liability to it. If it is a street legal golf cart,
it is not supposed to be on that. You may
get it added, but don't be surprised. You may get
(08:43):
it for a year or two, but don't be surprised
when that golf cart gets pulled off of that homeowner's
liability extension as well, because they are not designed for
the off road use. They're designed for, you know, a vehicle.
Speaker 2 (08:57):
Yeah, yes, exactly.
Speaker 1 (08:58):
So I think what you're saying is the fact that
it's rated to be driven out on the road. So
if you had it where it was off road and
you drove it out on the road and it's not covered,
you're not going to have any insurance. So people have
to make sure they're doing it right. So you're not
going to be able to say, yeah, I got a
street luke wall never take it out there. So it
goes by the category of the visactly because it is
a vehicle exactly.
Speaker 2 (09:19):
Okay, Well, and not just.
Speaker 3 (09:20):
That, but you know also too, when when when you
talk about the recreational golf cart, a lot of the
times those are two to four seater type setup and
they're more designed to be driven on a golf course.
You know, those are the quintessential perfect off road, non
street legal golf cart. Right it is that two person
golf cart. You put your clubs in the back there,
(09:42):
you're going out and you're hitting eighteen holes, right right.
Those golf carts aren't designed to be on the road,
and they also don't carry six people or more some
of those other ones.
Speaker 2 (09:54):
Yeah, right, right, So how can they get some information?
Speaker 3 (09:58):
They can give us a call at nine to four
to one for eight four four three four one, then
go on to our website CIASRQ dot com, put in
a contact us form, upload their decorations pages, any reports.
Have had to take a look at it. And yes,
it is still hurricane season, so please keep an eye
out on the tropics. And if you have questions still
about flood insurance, you still have time to get flood
(10:19):
insurance thirty day weight for NFIP, ten dayweight on the private.
But give us a call. We can go over all
those options with you.
Speaker 2 (10:26):
Okay, great.
Speaker 1 (10:27):
Thanks Nick, give us a call next Monday and we'll
talk again between eleven and thirty at noon right on Mondays.
Speaker 2 (10:33):
All right, thank you, have a good one, have great day, buddy.
Speaker 1 (10:37):
All Right. That was Carter ci Card Insurance. Very good
points that he mentioned. So if you need information, give
him a call there and let them check and review
things for you.
Speaker 2 (10:45):
All Right, it is.
Speaker 1 (10:45):
Time for our quote of the day. The quote of
the day, zaying is this. I start with the premise
that the function of leadership is too produce more leaders,
not more followers. Who would have said that, oh.
Speaker 4 (11:06):
Man, Franklin, eleanor Roosevelt? Maybe no, okay, well he was
a good leader.
Speaker 2 (11:14):
Oh absolutely. Quote of the day.
Speaker 1 (11:17):
I start with the premise that the function of leadership
is to produce more leaders, not more followers. That was
said by not really he was at He was a
politician a little bit, but not that much. He was
a consumer advocate. Ralph Nader.
Speaker 5 (11:34):
Yeah, there we go, Ralph, who can forget the corvet exactly?
Speaker 4 (11:40):
My boss drives one.
Speaker 1 (11:41):
My brother car my brother when I was a kid,
when we were he's like, he's two years older than me,
and he had one the little quarter spider pull little
car we're driving. One day, I'm riding with him, and
you know, you get the little.
Speaker 2 (11:57):
Pumps in the road.
Speaker 1 (11:58):
We go over one and come down and one of
the bracket holding the motor in the back let it
loosen it when it came down. Then the motors like
dragging under ground. Obviously I had to stop. But that
was a pretty slick little car. The other and that
that was like detailed. It didn't work out well for it.
Speaker 5 (12:13):
I got a quick one for everybody. My dad's best
friend at Sears back in the day. He was going
to go to lunch. So he goes out to his Volkswagen,
opens the door, sits down, tries to start the car.
The car won't start. He goes around back, opens up
the engine compartment. Right, the engine's gone. That's why it
wouldn't start.
Speaker 2 (12:32):
They were really a pretty cool car back in the day.
Speaker 4 (12:34):
Well, he probably stole the engine to make a rail buggy.
Speaker 1 (12:38):
Oh yeah, then that's whatever would do. They just put
him on it and that was your doune buggy basically.
All right, So let's move on to what's happening in Rotary.
We got we know we talk about I usually talk
about the Rotor Club at Welling Park meets the second
and fourth Wednesday, and he's from six to seven at
Downtown wall And Park at the Capstan Financial Consulting Offices
in Downtown wall And Park. I need more, I should
(13:00):
on that, give me a call at nine four one
forty four four three four to one. Always great meetings
coming up, you know, and different things that we're doing
and talking about at that club. And then when we're
talking about the Charlotte Harbor Roader Club that's meeting down
here obviously as it does on Tuesday mornings from seven
thirty to eight thirty am at the Ihop Restaurant seventeen
eighty nine, Tamiamy Trail and Port Charlotte. Great speakers, always
(13:23):
coming up, great things to do. The big thing coming
up for them is at the Charlotte Harbor Club right now.
Save that date coming in real real soon if you
haven't gotten in, because it would be it's it's coming
up real quick and on September or October shooting October
twenty five of twenty twenty five. Save the date so
you got a little time. Today's show is September twenty four,
(13:44):
so you got just about a month you could sign
up to run or walk the Rounds for Nursing help
solve the critical nursing shortage to southwest Florida. It's October
twenty fifth, twenty twenty five, with a Saturday at Centennial
Park and Port Charlotte. Registration seven am. Event begins at
eight ams by the Rotary Club of Charlotte Harbor and
it's to help raise money for scholarships for those high
(14:06):
school graduates of the area that will be pursuing a
career in nursing or in the medical field of some sort.
They would have a chance to get a scholarship. So
that's how it help raise money for that, and that's
been going on. So you can be a sponsor, you
can showcase your business. You'd be a runner, you can
be a walker. The way you get into it. There
are seven age groups of runners with race management and
(14:26):
timing provided by Beach Bum Timing, plus one on time
group for the walkers. And you can register to run
or walk online at www dot run sign up dot com.
That's www dot run sign up dot com and find
the race you want enter and get all set. That
will also tell you what it would cost you to enter.
Because be a little different for the age group and
(14:48):
so forth, and what race, what you're signing up for.
Speaker 2 (14:51):
So that again is save the date.
Speaker 1 (14:53):
October twenty five, twenty twenty five Centennial Parkport Charlotte Runner
walked up Rounds for Nursing help solve the crit nursing
shortage in southwest Florida that is sponsored by the Rotary
Club of Charlotte Harbor helping provide with the funds and
proceeds raised from this to provide educational funding for scholarships
for graduates of area high school students they want to
go on and pursue a career in nursing medical field.
(15:16):
So that's the big thing all about it. Sign up
by going to www dot run sign up dot com today,
mark to date Saturday, October twenty five of twenty twenty
five for raising money with the run or walk the
Rounds for Nursing sponsored by Charlotte Harbord Rotary Club. All Right,
talking about what's happening there with the run and the
(15:37):
different things we've been talking about. Make sure on Sunday
Sundays if you want to check out the.
Speaker 2 (15:45):
Well In Park Club too.
Speaker 1 (15:46):
You stroll around downtown Walla Park on a Sunday morning
and check it out and see what's going on. And
the farmers Market that's up there. There's a representative from
the Well and Park Club that's always up there in
those states too, and you talk to see what's going
on when it comes to the activities for them on
that Sunday and check that out. But if you need
(16:07):
more information on interclub, call it nine four to one
for eight four four three four to one and we
can talk about it. So, you know, we talk about
a lot of different things going on with rotoring what
we do. And for instance, let's talk about the Roators
Foundation focuses to do global, local and global rotary initiatives.
(16:32):
The big global thing we've done has been the eradication
of polio and promotion of peace throughout the world. And
nineteen thirtieth foundation started. It started with a five hundred
dollars grant to the International Society for Crippled Children back
then following the passing of roadreshounder Paul Harris when he
died in nineteen forty seven. The significant program focused on
(16:55):
scholarships established primarily to as a tribute to Paul Harris.
Over the years, more than three three hundred and fifty
thousand scholarships have been granted, affording recipients the opportunity to
pursue overseas studies and a lot of other different things
that leadership and so forth that take place the big
Rotary projects. Since I been in Rotary when I came
(17:15):
in in nineteen ninety six, this had already started in
nineteen eighty five when they had launched the eradication of polio,
the Polio Plus program that gained momentum in nineteen eighty eight.
At started in eighty five. They collaborated them with the
Global Polio Eradication Initiative that being Rotary got in partnership
with them at the time that there were over one
(17:36):
hundred and twenty five countries grappling with three hundred and
fifty thousand polio cases. Subsequently, nearly three billion children have
received now the polio vaccine, resulting in a remarkable ninety
nine nine percent reduction in polio incidents as of twenty
twenty one. Rotary's contributions to the Global Polio Eradication limited
(18:00):
by matching frones from Bill and Melinda Gates Foundation and
all the Rotarians out there. All these years, that amount
of money exceeds two billion, would be two billion dollars
and it's down to just I believe it's three cases
right now, Afghanistan and Pakistan the only three. They're the left.
(18:20):
That is truly remarkable. In two thousand and two, they
established the Peace Fellowship Program where they set up some
initiatives to go into different areas and have people talk
about how they make things better and have these folks
deployed across one hundred and fifteen countries and they hold
leadership positions, allow them in government and prominent citizens in
(18:44):
those areas help make things better in their areas.
Speaker 2 (18:46):
So that's this.
Speaker 1 (18:47):
Amazing thing what they do with When you think about that,
and you think about the eradication of polio in the world,
as you know, it is possible if someone's vaccinated, it's
possible they can still have a flur up of it
later on in life that that does happen. So it's
it's something that certainly it's been a fantastic thing with
(19:09):
the vaccinations for that and a great, great program. So
that's one of the things I wanted to focus on
today is we're talking about polil and eradication and the
big thing on that then how we're getting close on time.
But the thing that they do with this is truly remarkable.
When you're talking two billion dollars now that's been put
(19:29):
into that, granted the last few years when we get
the matching funds from Paul and Linda Gates Foundation, but
even prior to that, the money that's been contributed by
the rotarians around the world, and most I would say
probably a good part of that has come from US rotarians,
(19:49):
but that has been a huge, huge thing. So that's
the Rotary Foundation, and that's its mission is to empower
rotarians to foster world understanding, goodwill and peace by an hand, health,
supporting education, alleviating poverty. And you know, they have the
board of trustees for the Foundation. Overall it's always rated
(20:10):
at the right at like ninety eight percent in the
top for the fundraiser activity of that, so they're always
do a tremendous job, great stewards of the money. They
have foundations in various countries including the United Kingdom, Canada, India,
and Brazil. Contributions to the Foundation or any of its
associate foundations play a crucial role in securing and expanding
(20:34):
rotary programs worldwide. So whether that's a district grant we
do where we put something together to do things that
we've done for the scholarships Charlotte County Imaginational Library. Biggest
supporter of that as an.
Speaker 2 (20:49):
In goo is the.
Speaker 1 (20:51):
Charlotte Harbor Roader Clubs Charlotte Harbor Imaginational Library. The money
it's been given there about fifty thousand dollars. It's a
tremendous amount of money. That's that's a good and a
great local example. And then we've got your worldwide global
grants when you're talking about drilling wells overseas and these
rural rural countries that have no clean water and after
(21:12):
walk four or five miles to get dirty polluted water
to bring back to their village and like the waters
water from Mozambique. And Arnie Eastbourne who spoke with the
club in Wellham Park a couple of weeks ago about
how they go about the global grants and we participated
them before where they go over drill the deep water
(21:33):
wells over there and they have an excellent system set
up to help those folks and provide clean water. So
at whether it's around the United States, whether it is overseas,
there are great things being done for Rotary Rotary and
the Rotarians that are behind those things and everybody that's
doing the most good and helping folks out and do
(21:55):
those things. So if you want to be a part
of that, give me called nine four one four eight
four four three four one and see what you're passionates
and we'd love to see inquire about it. Give me
call nine four one for it four four three four one,
and I think you will find it would be a
fantastic experience for you. A couple of local things coming up.
Just bristly wanted to mention too, if we run out
(22:17):
of time today, if you hadn't noticed it winning a
top award recently, de Soto County Tourism Department earned the
prize in Rural County Marketing Division and that is that
was a big prize that they they won for that.
Universal Parks and Resorts Destinations presented that to the DeSoto
(22:38):
County folks out there recently in Arcadia. It's celebrating a
win for all of one of its teams and according
to their release from the Tourism Department, they're very honored
to accept the henry or the henry from the visit
Florida and they value the benefits of tourism that are
bringing brought forth from their county. So it's a big
(22:59):
thing for or than the Sotle County Economic Development, Tourism
and Development Director Sander Guffey. So that's a great thing
for out in the rural area for Arcadia. So I
wanted to certainly mention that mentioned. You know, you got
the Florida International Air Show coming up and that's going
to be e again and it's going to be eleven
(23:21):
to one and eleven two of twenty twenty five. That
is something we used to be on the tarmac for
about twenty some years when we do it for Charlotte
Harbor Road and provide food and drinks at the Facilita
on the tarmac at the the area that we have
for many years. A great event. It's taking place November
eleventh or November one and November two of twenty twenty
(23:42):
five at the Pinta Gorda out at the airport there
and the air Show announced the Shooter's jump Team coming
in so they'll be jumping to sending down carrying the
American flag for the opening ceremonies on November one and
again on November second, and you need to check that out.
Mark that on your calendar. November one, November two for
the International Florida International Air Show taking place out at
(24:04):
the Punta Gorda Airport. Big thing coming up. And let's
check around a little further. App let's go up to
Venice for a minute. And everybody knows Tervice Tumbler's right,
all right, everybody knows service tumbers and what they have.
You know, recently they had they've had a bit of
a relocation, but their Turvis original store in Osbury is
going to remain. They just changed some ownership, but the
one partner's still going to be one of the owners
(24:26):
still going to be running that store up in Venice
as an official store that it's the original Osprey store
there for Travice Tumblars. So we're getting close on time,
So I just wanted to remind you, lind a hand,
do the best you can. You can tune in every
Monday from eleven thirty to noon on WCCF fifteen to
eighty one hundred point nine. Put us on the app,
iHeart app.
Speaker 2 (24:44):
It's free. Take us with you wherever you go.
Speaker 1 (24:47):
You can always listen to us.
Speaker 2 (24:49):
That would be Let's.
Speaker 1 (24:50):
Talk with Stephen Carter on Monday's eleven thirty to noon.
Linda Hand, do the best you can, have a great day.
Speaker 2 (24:56):
Talk to you next week.
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