Let's Talk With Stephen Carter_9.29.2025

Episode Transcript

Speaker 1 (00:00):
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 CCF 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

(00:20):
can take us anywhere you go and listen to iHeartRadio
and this show any place you go. Just go in
and the apps free.

Speaker 2 (00:26):
Check it out.

Speaker 1 (00:27):
You'll like it. 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

(00:49):
have to look at it. You make your day, you
make it. 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, you're
going to have a good day. 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

(01:10):
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. 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

(01:33):
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 wanted to mention, Oh, we've
got a caller in the lines man, Well, good morning,
you're under your air.

Speaker 2 (01:51):
Good morning. How are you guys doing good?

Speaker 3 (01:53):
Nick?

Speaker 1 (01:53):
How you done?

Speaker 3 (01:54):
Buddy?

Speaker 2 (01:56):
Doing just fine?

Speaker 1 (01:57):
That's Nick. It's Nick Carter see.

Speaker 4 (02:00):
Carter Insurance Famous Sky.

Speaker 3 (02:02):
Yeah.

Speaker 1 (02:03):
I think he sang in a band somewhere, didn't they.

Speaker 3 (02:06):
Yeah?

Speaker 1 (02:06):
Yeah, the Rock Street Boys, the Wrong Street Boy or
the Backstreet Boys. Yeah yeah, yeah.

Speaker 3 (02:13):
I don't think anybody wants to hear anything, but that's fine.

Speaker 1 (02:16):
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
when we talk about what's going on in insurance, homeowners, auto, commercial.
So today let's focus on auto and what's going on

(02:38):
in some of the things that you're seeing transpiring as
of late with auto in the state of Florida.

Speaker 3 (02:45):
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.
One of those is still that trend of the golf cart,

(03:07):
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.

Speaker 2 (03:19):
Yes we can do it.

Speaker 3 (03:21):
One thing that everyone seems to forget is that even
though they're 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

(03:45):
and that type of thing. But when you get into
getting those golf carts that are especially designed go onto
the roadways, those.

Speaker 2 (03:54):
Are treated like a vehicle. So if you are going
to go.

Speaker 3 (03:57):
Out and purchase one of those really cool golf cart
because they really are cool nowadays, you know.

Speaker 2 (04:03):
They have a lot of features on them that they
don't they.

Speaker 3 (04:05):
Didn't used to have, but they are a car in
a sense, and they're.

Speaker 2 (04:09):
Going to be raided as a vehicle, right, So that
is one important thing to just keep in mind.

Speaker 3 (04:15):
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.

Speaker 2 (04:25):
As of late.

Speaker 3 (04:25):
People are still purchasing them because they're cool and they
have a lot more features and they do a lot
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.

Speaker 2 (04:39):
Like a vehicle. Right.

Speaker 3 (04:42):
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 gotten used to over the years,
where you would call in and yes, you would still
have a comprehensive claim on your record, but you wouldn't

(05:02):
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 on that. But there
are more vendors capable of handling those windshields than.

Speaker 2 (05:19):
They're were in the past.

Speaker 3 (05:20):
So those changes will be coming up soon rather than
later on that one, right, and they will be changing
also differing things when it comes to the personal injury protection.
You know, we've we've mentioned that and we've highlighted that
before when we've talked about uninsured motors coverage which is
still optional but still highly recommended out there, and the

(05:42):
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 mean and how they get paid out. So
there's gonna be a lot of stuff coming up and
all of that.

Speaker 2 (06:02):
What does that all mean?

Speaker 3 (06:03):
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.

Speaker 2 (06:11):
Right.

Speaker 3 (06:12):
We have been actually re quoting people. There have been
rate decreases that have come through recently, and those those
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

(06:32):
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.
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.

Speaker 2 (06:54):
To fix you if you were to get into an
accident with them. So though you know from.

Speaker 3 (06:59):
Those golf car that everyone likes to see and play with, right,
and those are now 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.

Speaker 2 (07:12):
You still have.

Speaker 3 (07:13):
Thirty percent of drivers that don't have coverage or enough
one of those recipes. You want to make sure that
you have your coverage and your item is in place
so that you know you'll be 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 (07:32):
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, ESSESSI 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

(07:53):
street legal, they have to insure it that way, don't.

Speaker 3 (07:55):
They Exactly, And I'm glad you brought that up. I've
got to mention that, yes, a part of our quotes,
we've been doing those.

Speaker 2 (08:02):
Free legal golf carts, and if you.

Speaker 3 (08:05):
Don't want to have it on the road, that's great,
But as soon as that VIM 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
goes x miles an hour, it does not qualify for
that off road policy. And even on your homeowners there

(08:28):
are homeowners policies where.

Speaker 2 (08:30):
You can add that golf cart liability to it.

Speaker 3 (08:32):
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 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.

Speaker 2 (08:51):
They're designed for, you know, a vehicle. Yeah, exactly.

Speaker 1 (08:56):
So I think what you're saying basically is the fact
that it's 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 visa because it is
a vehicle exactly.

Speaker 3 (09:17):
Okay, Well, and not just 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 is
that two person golf cart you put your clubs in

(09:39):
the back there, 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.

Speaker 2 (09:49):
Some of those other ones.

Speaker 1 (09:52):
Yeah, right, right, So how can they get some information?

Speaker 3 (09:56):
They can give us a call at nine four one
four three four one, then go on to our website
CIASRQ dot com, put in a contact us form, upload
their decorations pages, an your reports. Have had to take
a look at it.

Speaker 2 (10:09):
And yes, it is.

Speaker 3 (10:10):
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 insurance thirty day
weight for NFIP ten dayweight on the private.

Speaker 2 (10:22):
We give us a call, we can go over all
those options with you.

Speaker 1 (10:24):
Okay, great. Thanks Nick, give us a call next Monday
and we'll talk again between eleven thirty at noon right
on Mondays.

Speaker 3 (10:31):
All right, thank you, have a good one, have great.

Speaker 1 (10:34):
Day, buddy. All right. That was Nick Carter c I
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. All Right, it
is 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 to produce more leaders,

(11:00):
not more followers. Who would have said that, oh.

Speaker 4 (11:04):
Man Franklin, eleanor Roosevelt? Maybe no, okay, well he was
a good leader, oh absolutely.

Speaker 1 (11:14):
Quote of the day. 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. Yeah,
there we go, Ralph Nats And.

Speaker 4 (11:35):
Who can forget the corvet exactly. My boss drives one.

Speaker 1 (11:39):
My brother car my brother when I was a kid,
when we were he was like, he's two years older
than me, and he had one the little quarter a
spider cool little car. We're driving one day, I'm riding
with him, and you know how you get the little
pumps in the road. We go over one and come
down in one of the bracket holding the motor, and

(12:00):
the back let it loosen it when it came down.
Then the motors like dragging run the ground. Obviously I
had to stop. But that was a pretty slick little car.
Though other not that was like detailed. It didn't work
out well for it.

Speaker 4 (12:11):
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 1 (12:30):
They were really a pretty cool car back in the day.

Speaker 4 (12:33):
Well, he probably stole the engine to make a rail buggy.

Speaker 1 (12:36):
Oh yeah, then that's whatever would do. They just put
him on it and that was your dune 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 Wellen Park meets the second
and fourth Wednesday, and he's from sixty seven at Downtown
Wallam Park at the Capstan Financial Consulting Offices in downtown

(12:56):
wall And Park. We need more information on that, give
me a call at nine four one 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 Rotary 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, Tammamy Trail

(13:19):
and Port Charlotte. Great speakers, always coming up, great things
to do. The big thing coming up for them is
at the Charlotte Harbor Club right now. Save that date's
coming in real real soon if you haven't gotten in,
because it would be us. It's coming over real quick
and on September or October shooting October twenty five of
twenty twenty five. Save the date, so you got a

(13:40):
little time. Today's show is September twenty four, 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. It's a Saturday at Centennial Park and
Port Charlotte. Registration seven am, but then begins at eight am,
sponsored by the Rotary Club of Charlotte Harbor. And it's

(14:01):
to help raise money for scholarships for those high 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

(14:22):
are seven age groups of runners with race management and
timing provided by Beatspum 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

(14:44):
enter because be a little different for the age group
and so forth, and what race, what you're signing up for,
So that again is save the date October twenty five,
twenty twenty five Centennial Parkport Charlotte Runner walked up Rounds
for Nursing help solve the critical nursing shortage in Southwest
floor that is sponsored by the Rotary Club. Is Charlotte
Harbor helping provide with the funds and proceeds raised from

(15:06):
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, a medical field. 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

(15:29):
for Nursing sponsored by Charlotte Harbord Rotary Club. All right,
talking about what's happening there with the run and the
different things we've been talking about. Make sure on Sunday
Sundays if you want to check out the well In
Park Club too. You stroll around downtown Walla Park on
a Sunday morning and check it out and see what's

(15:50):
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 on those states too, and you can 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 more information on interclub, you call
it nine four to one for eight four four three
four to one and we can talk about it. So

(16:12):
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. The big global thing we've
done has been the eradication of polio and promotion of

(16:35):
peace throughout the world. And nineteen thirtieth the foundation started.
It started with a five hundred dollars grant to the
International Society for Crippled Children back then following the passing
of Roadors founder Paul Harris when he died in nineteen
forty seven. The significant program focused on scholarships, established primarily

(16:55):
to as a tribute to Paul Harris. Over the years,
more than three hundred and fifty thousand scholarships have granted,
affording recipients the opportunity to pursue overseas studies and a
lot of other different things that leadership and so forth
to take place the Big Rotary Project. Since I been
in Rotary when I came in in nineteen ninety six,

(17:16):
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 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 hundred and twenty five countries
grappling with three hundred and fifty thousand polio cases. Subsequently,

(17:40):
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 complimented by matching thrones from Bill
and Linda Gates Foundation and all the Rotarians out there.

(18:02):
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 to left. That is truly remarkable.
In two thousand and two, they established the Peace Fellowship

(18:24):
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, a lot
of them in government and prominent citizens in those areas
help make things better in their areas. So that's this

(18:46):
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 life. That does happen, So it's it's something
that certainly it's been a fantastic thing with the vaccinations

(19:09):
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 polio and eradication and the big thing
on that and how we're getting close on time. But
the thing that they do with this is truly remarkab
when you're talking two billion dollars now that's been put
into that, granted the last few years when we get

(19:30):
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 the
US rotarians, but that has been a huge, huge thing.
So that's the Rotary Foundation, and that's its mission is

(19:53):
to empower rotarians to foster world understanding, goodwill and peace
by enhancing health, supporting education, alleviating poverty. And you know,
they have their the board of Trustees for the Foundation.
Overall it's always rated at the right at like ninety
eight percent in the top for the fundraiser activity of that,

(20:17):
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 rotary programs worldwide. So whether that's
a district grant we do where we put something together

(20:38):
to do things that we've done for the scholarships. Charlotte
County Imaginational Library biggest supporter of that as an.

Speaker 3 (20:47):
NGO is the.

Speaker 1 (20:49):
Charlotte Harbor Roader Cluff Charlotte Harbor Imaginational Library. The money
it's been given here about fifty thousand dollars. It's a
tremendous amount of money. That's that's a good and great
local example. Then you'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 walk four

(21:10):
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 and drill the deep water wells over there

(21:33):
and they have an excellent system set up to help
those folks and provide clean water. So 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 those things. So

(21:54):
if you want to be a part of that, give
me call it nine four one four eight four four
three four one and see what you're passionists and we'd
love to see inquire about it. Give me call nine
four one for four four three four to one and
I think you will find it would be a fantastic
experience for you. A couple of local things coming up.
Just Britly wanted to mention too. If we were run

(22:15):
out of time today, if you hadn't noticed that winning
a top award recently, the 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

(22:36):
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 Tours 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

(22:57):
big thing for them, the Soto 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
want to certainly mention that mentioned. You know, you got
the Florida International Air Show coming up and that's going
to be again and it's going to be eleven to

(23:19):
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 facilitare the
on the tarmac at the area that we had for
many years. A great event. It's taking place November eleventh
or November one and November two of twenty twenty five

(23:40):
at the Pinta Gorda out at the airport there and
the air show announced the Shooters 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 a place out

(24:02):
at 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 Tumblers and what they have.
You know, recently they had a they've had a bit
of a relocation, but their Turvis original store in Osprey
is going to remain. They just changed some ownership, but
the one partner's still going to be one of the

(24:24):
owners still going to be running that store up and
Venice is an official store that it's the original Osprey
store there for Turvice cumbers. 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. It's free, take us with you wherever you go.

(24:46):
You can always listen to us, and that would be
Let's talk with Stephen Carter on Monday's eleven thirty to noon.
Lend a hand, do the best you can, have a
great day. Talk to you next week.