Let's Talk with Stephen Carter Show 11.3.2025

Episode Transcript

Speaker 1 (00:00):
Good morning Stephen Carter with the Let's Talk with Stephen Carter.
It is Monday. We come to you every Monday from
eleven thirty one in on iHeart Radio station's WCCF fifteen
eighty game and one hundred point nine FM R dial.
So it's every Monday. You can take us with you
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Speaker 2 (00:21):
It's free.

Speaker 1 (00:21):
You can listen to this show and other shows that
are coming out of the studios here for iHeart Studios
and media in the Charlotte County are and around and
you can take us any place you want to go.
It's free, so check it out. We'd love to have
you be there. Thank you for listening. So let's get
today's show startotted and wrap it today. You'll tell you
quickly this we have coming up. The month of November

(00:44):
is Rotary Foundation Month. I'll be talking about that. I'll
be talking about where the Charlotte Harbor Roader meets and
we know they meet at Diehalp Restaurant Tuesday mornings seven
thirty eight thirty and that is at seventeen eighty nine
ten ammetreil Charlotte Harper Rotary meets there on second fourth Wednesday.
Roader Club Well In Park meets sixty seven at downtown
wall And Park. We got a call in the line.
Let's see who we got happening here this morning. Good morning?

(01:08):
Is that Nick?

Speaker 3 (01:10):
Good morning? How are you guys?

Speaker 1 (01:11):
Good Nick? How are you buddy? So what's going on
in the world of insurance today?

Speaker 4 (01:17):
Well, you know, all, I'm going to keep from minding
people until it's over. It's still hurricane seasons. To keep
an eye on the traffics and make sure everybody has
all their preparations and all that stuff put together. But
we're getting closer to the holiday season, you know, and
more and more people are going to start getting together,
having parties, doing you know, different types of gatherings, right,

(01:41):
And we've actually had an influx of special event policies
that people are putting on get together, They're renting different facilities,
that type of thing, and they're actually needing to have
an additional insurance policy.

Speaker 3 (01:58):
A lot of people don't know about special.

Speaker 4 (02:00):
Event policies unless you do those types of things. Quite often,
they're not an expensive policy. One of the simplest ones
to think of is a wedding, you know, right off
the bat is a wedding. That's the number one special
event that everyone thinks of.

Speaker 3 (02:15):
And yes, those policies absolutely exist, easy.

Speaker 4 (02:19):
To write, not an issue, but also to birthday.

Speaker 3 (02:22):
Parties and where's that sounds?

Speaker 4 (02:25):
And if you're going to rent a venue, you know,
we've had some actually reunions and family gatherings that the
venue that they're renting to be able to put on
that special function requires them to have a special event policy.
You know, you can there's different services that you can
get that will be your mobile bartender, right, and those

(02:47):
people have their coverage for what they're doing, right. They're
they're there as a mobile bartender. They're there to provide
the drinks and make sure no one gets out of
hand and follows the rules that they're supposed to follow
right for their function. But their liability and their coverage
covers them strictly for what they do.

Speaker 3 (03:08):
Right.

Speaker 4 (03:09):
If you're getting married, you're having a big family or union,
a big event, corporate event, whatever type of event that
you're doing, you know, check with your venue in advance,
make sure what their requirements are. A lot of them
will require you to have a special event policy, especially
if you're an outdoor type setting and differing locations, if

(03:32):
you're at a conference center, a lot of those because
they're all handling everything. But if you're putting your own
thing together, you're going to want that special event policy.
You don't want someone coming out having a great time
catching up with family and friends and then something happens
to them and then you, as the organizer of that event,
are then held personally liable for you know, everyone they

(03:54):
automatically think of that wedding.

Speaker 3 (03:56):
Yes, that is the number.

Speaker 4 (03:57):
One special event, but don't forget about your unions and
your other things. When you have people coming out and
doing a big gathering together, especially when you're throwing alcohol,
having a fun time, not necessarily paying attention. Unfortunately, accidents happen,
people get hurt, and you want to make sure that
you're covered for those things. And you know, since we're
talking about liability, the other one it actually made news

(04:20):
not too long ago out of the center part of
the state up Orlando, for general liability. I segue into
that because a lot of differing liabilities because we get
those questions, too, do I really need to have liability
coverage for what I'm doing? And the answer shortly and
blankly is yes, you should have liability coverage if you

(04:40):
have a business for your own protection, your business protection,
but also the people that visit your establishment. So out
of the center of the state, a lady actually won
a very large settlement from one of the big box
retailers up there when she tripped and fell.

Speaker 3 (04:57):
Into parking lot.

Speaker 4 (04:58):
They offered her a very large chunk to settle, and
she didn't, and she went actually in front of jury
the whole thing that you're supposed to, and she got
about eleven million dollars settlement out in Orlando. So if
you own your business, especially if you have those parking
lots and those types of things, you want to make
sure that they're in good working order and you don't

(05:20):
have any trip hazards and those.

Speaker 3 (05:21):
Types of things.

Speaker 4 (05:22):
That's what those general liability inspectors. I know people get
in the industry, they get a little annoyed when they
get audited and they get those inspectors coming out and
verifying what they're doing and making sure that their places
are in good, safe conditions.

Speaker 3 (05:39):
But that's the reason why.

Speaker 4 (05:40):
And if you don't have a general liability policy and
you are operating a business, someone comes in, trips and falls.

Speaker 3 (05:46):
The only people who are going to be held liable
are you.

Speaker 4 (05:49):
As a business owner, not anyone else.

Speaker 1 (05:51):
Yeah, So just to clarify that, den I understanding would
be that anyway that if you have a business, then
if you own the business in a parking lot, you'd
be liable to say, somebody trips over or they have
you have a hole in the parking lot that needs repaired,
you have a sidewalk that's raised up or uneven, somebody
trips somebody. But if you have an unsafe condition like that,

(06:11):
you're responsible to correct that if you If you're just
the tenant, though, that would go back to the landlord, right.

Speaker 3 (06:18):
Correct, Yes, Okay, Now obviously it would.

Speaker 4 (06:21):
Depend though if the condition was created by the tenant
versus the landlord by putting something in the way or you.

Speaker 3 (06:29):
Know, blocking an exit something of that nature.

Speaker 4 (06:31):
Correct, that would deviate the landlord. But technically yes, it
would fall back to the landlord or the property owner
who owns that part. Yeah, but if it's inside your
shop then.

Speaker 1 (06:41):
You're normally speaking all right, So that was how do
they get information? Because I'm gonna keep you online for
a second. You and Zame. We're gonna do a trivia
question here in a second. How can they get in
touch with you regarding insurance?

Speaker 4 (06:53):
They can give us a call at nine four one
for eight four four three four one, or they can
go on to our website c I A s r
C dot com put in a contact us form on
there and if they have declarations, pages and inspections they'd
like to upload, they can do so securely right there,
and it says we get the information, we can start
their review.

Speaker 1 (07:12):
Okay. So we're in the height of the NFL football season, correct, right,
We're getting about the half about the halfway point here.
So if I were to asked between you two guys,
you are my contestants today. The question is this, okay, sure?
The question who was the oldest NFL quarterback to play
and retire from the league? Name the oldest quarterback to

(07:33):
ever play and retire from the NFL. I'm gonna give
you three choices. See a nice a guy. I'm gonna
make it easy, okay, three choices. Three choices are these
Fran Tarkington play for Minnesota Vikings. George Blandon play for
numerous teams. Tom Brady we know about Tom Brady. Who

(07:56):
is the oldest when they retired from the NFL? GI
me answer, that's my first.

Speaker 2 (08:01):
Thought before you even gave the choices, was Fran Tarkington.

Speaker 1 (08:04):
Okay, we've got things. Zayne is in at Fran targeted,
Nick gets year up, buddy, you're on the clock, and
who's your choice between those three?

Speaker 4 (08:17):
I'm probably gonna get fools, but I'll go with Tom Brady.

Speaker 3 (08:20):
I think Tom Brady was old.

Speaker 1 (08:22):
You're gonna go tom Brady next time at Tom Brady.
Zayne is in at Fran Tarkand and both great quarterbacks obviously,
but you know what, You're both wrong.

Speaker 3 (08:32):
Oh.

Speaker 1 (08:34):
George Blanda. Wow, George Blanda. He played until he was
forty eight years old. He was a place kicker but
also a quarterback. He retired in nineteen seventy six. That
was the last game that he played. He was forty
eight years old. George Blanda, that's your trivia question for
the NFL today, gentlemen. Thank you for playing.

Speaker 3 (08:56):
Absolutely, Yeah, they don't. They don't make the players like
they use.

Speaker 1 (09:00):
That's true. They would go out and just play forever,
it seemed like. But yeah, that was George Blanda. Forty eight.
We're retired in nineteen seventy six, so I figured somebody
would go. I thought there were pretty good choices with
targeting and played a long time, a long long time.
It seemed like he didn't get hurt hardly that much
from what iver call back in the day as a

(09:20):
kid watching him play a long time ago. And as
we know about Brady, I think that one year that'd
he set out most of the year when he hurt
his leg with another Nay, played forty two vily when
he retired. So anyway, that was your choices today. Thanks
guys for playing. You would have won a trip around
the world, but nobody got the right answer. Oh wow,
all right, Neck, we'll talk to you next time. Thanks

(09:42):
for giving us the information regarding CI Carter Insurance. Have
a great day. Thank you too, all righty. Okay, November's
Foundation Months for Rotary. That's our theme. Okay, so when
we talk about foundation, let's talk a little bit about
the foundation. What is amazing. One of the things about
the foundations too, is how they're rated according to the

(10:03):
charity aspect of it. The Rotary Foundation for Rotary internationally
for the over the fourteenth consecutive years they have received
the highest one of the highest ratings from Charlotte are
from the Charity Navigator and the way that is rated out.
They earned that recognition by adhering to the sector's best

(10:26):
practices and executing its mission in a financially efficient way,
distributing both strong and a very healthy commitment to accountability
and transparency. Charlotte Navigator evaluates these organizations to make sure
that and for Rotary Foundation, they were honored to have

(10:47):
been recognized to be among the top one percent of
charities evaluated one percent of all the charities out there.
So the Rotary Foundation and trustee chaired John jeram Our
donors can feel proud knowing that their gifts will allow
them to make an impact act on their communities and
the world for years to come. The rating reflects Charity
Navigator's assessment of how the foundation uses donations, sustains its

(11:09):
programs and it services, the practices and the good governance
that they do in the transparency and the openness about
how the money is invested and so forth. So that
is so very very important about that and you want
to know and being confident in who you're donating your
money to right if it's a foundation and you want
to give it to a good cost. So that's the

(11:30):
Roadary Foundation. So tell you a little bit about the
Roadary Foundation. In twenty twenty four and twenty twenty five,
the Foundation raised more than four hundred and twenty three
million dollars in twenty four to twenty five, that includes
at least twenty seven million to support efforts to eradicate
polio across the globe. When Polario the outbreak was reported

(11:53):
in Guys in August of twenty twenty four, road committed
half a million dollars towards vaccination efforts carried out by
the partners and the Global Polio Eradication Network out there
for this initiative and partner with these groups to be
able to get in and help the folks with the
polio vaccines to keep it hopefully eradicator. It's only three

(12:15):
cases alive that I'm aware of right now in the world.
In twenty twenty four to twenty five, the Roadary Foundation
awarded more than twenty seven million dollars in district grants.
And we talk district grants. We talked like when we
talk here about Charlotte County Imagination Library and Charlotte Harbor
Rotory being the largest NGO that's given to that organization.
It's around just this club right here, Charlotte Harbor Rodary

(12:38):
and giving all the money that it's given towards that
that's a district grant. So part of then half of
that money that the club gets, the other half would
come from the district grant if you qualify for that
to give you to that nonprofit or to that organization
with that for instance, that example with the Charlotte County
Imagination Library Global grants that give out two million for

(13:01):
programs of scale on grants. When you transform the donors
gifts into life changing service projects and scholarships, rotary increases
the impact and it makes a very positive difference worldwide
when you put all that together. That's a combination of
all the people putting all that money together and getting
those things done. So overall, in twenty four to twenty five,

(13:21):
over one point nine billion, that's billion with a V
has been raised in Supportive Rooters initiative to increase the
endowment to two point zero two five billion by twenty
twenty five. So it's pretty amazing. These net assets and
future commitments provide financial security and resources for Rotaries members

(13:41):
and their supporters in the organization's ability to do good
today and for generations to come for these grants and
around the world. The way it's set up, so it's
very very it's a large obviously foundation, there's a lot
of money, but a lot of people, a lot of
Rotarians raising money and people donating, putting money into goes
into the foundation. Then as it's put in and it

(14:04):
can grow the way that you put it in it
and they give it out over a three year period,
so they just give a little you know, they divide
that up and depending on the grants where they're they're
district grants, locally, overseas, global grants and so forth, and
that's how it works. That's amazing and an amazing amount
of money. So through those efforts supporting the existing clubs
and developing these new ones, that's how they prioritize and

(14:28):
get this stuff done around the world, and it's it's
pretty amazing. These figures out of quota were through April
one of twenty twenty five, and it's a way that
Rotary makes it a difference in the world each and
every day and in your local community. Rotar remains dedicated
to building those connections, doing good and it's rotarians the
members develop and increase their capacity for service to the

(14:49):
Organization's impact obviously grows too through the efforts to support
exsisting clubs and develop these new ones that prioritize the
membership variance. Rotary has welcomed more than one hundred and
sixty five thousand new Rotarians and rotorac members and chartered
at least four hundred and twenty five Rotary clubs and
five hundred and forty five ROTORAQ clubs in the year

(15:12):
twenty twenty four to twenty twenty five. It's amazing numbers.
There really is a lot of different people, a lot
of folks, a lot of activities. So that's why I said,
you know, when it comes to Rotary, it's pretty much
what your passion, what would you like to do? There
are so many different things you can do to get
to be out there and to help people. So that's
what it's all about. And that's I know we're getting

(15:34):
close on the time here, but it's pretty amazing when
we're talking about what Rotary does for foundation. Here's another
thing I wanted to mention too. We talk about the
foundation that great things Rotary does, and we talked, you know,
we've talked before in the past about ecology and the
environment and so forth. But here's when you think about
with the we all want to see a certain amount

(15:55):
of development areas, but there are also areas too when
you think about the growth both in some areas, and
you wonder and you wish and you hope that well,
hopefully we're going to keep some of the land around
for future generations to see what Florida looked like when
it was not all developed, right, I think that's everybody
would be along with that. And I think it was
very interesting recently what's going on excuse me, recent story

(16:19):
that has been put out and it has to do
with Florida and the growth in the past few decades.
And we know how rapidly it's grown. When you look
at nineteen ten and roadary that are in Florida, there
were seven hundred thousand people living in Florida in nineteen ten. Today,
how many is it sane? What do you think? What's
your guys?

Speaker 2 (16:39):
I have no idea.

Speaker 1 (16:40):
Around twenty four million in Florida. It's still the fastest
growing state in the country, the third largest in population,
and at the pace we're on, you would say, if
you just keeps developing and there's go open, there's no
land or per se where you could see what it
was like when it was open and you still had
the ranches and the farms and the open ground. So
you want to you know, it'd be great to have

(17:01):
some of that preserved. So I think I found this
article extremely interesting and the way that your grandchildren will
be able to realize some of the experience and see
what Florida looks like or look still looked like now
as it was back in those days. So we want
to make sure that, you know, the development has some
kind of factor where you can still see open land.

(17:21):
So the growth here, they've looked at it, and there's
a group that actually is out of nice and what
they've been doing is they've been and working with the
State of Florida. They came up with a program to
stave off over development in Florida forever under the Florida
Department and Environmental Protection. They've submented about three point eight
billions since two thousand and one to purchase farmland and
easements that has saved more than a million acres from

(17:44):
ever being built on. So that way you'll still see
what the open ground in Florida was, not just in
parks but in other areas, and a lot of this
is what they're doing is they're buying up some of
the farms, but they're letting the people still farm them
and keep the ground open. But it's with the agreement
that won't be developed on. So I think that's a
great idea to protect land in the future, and I

(18:07):
think that strategically ahead to do that. So the goal
is to buy and piece together parcels of land that
could eventually be linked to preserve Flora's natural and agricultural
lands that gives a greater range to the wildlife such
as the endangered panthers which that are out there. In
a decade, the group has helped secure one hundred thousand
acres in east of It's the most recent being a

(18:30):
two tho five and fifteen nine acres at the Bentley
Ranch in rural Hardy County and another six thousand acres
in Okachovia County. So when they work with the state,
the state also has worked out eastments too in Charlotte
DeSoto Counties, They include more than thirty seven hundred acres
in Charlotte County border in DeSoto County that's protected under
the Rural and Family Lands Protection Program. The state acquired

(18:54):
eastments for two seven or eighteen acres of French Golden
Ranch and so County. They paid six point five for
the land with the rights to the thirty nine three
thousand and eight or ninety one acre tiger bait rants
proper into Soota County. So I think it's just a
great way to when you drive by and you see
and you try to explain to somebody, this is what

(19:14):
it used to look like here, and this is developments
are great, but there's some limits on it. So I
just thought it was a great way to look to
the future and preserve and protect some of the open
space in the land and our farm ground, which is
so very very important. So what do you think about that, Zane.

Speaker 2 (19:29):
Well, very important that you know, we try to conserve
what we have left. But also I think it would
be great if you could present to younger people, like,
for example, what Florida looked like in the sixties, right
or the seventies.

Speaker 1 (19:46):
Yeah, you can go through some of the areas now
for us being down here, you know, thirty years whatever.
But you can drive through and you say, you know,
this is what it was when there was the two
lane road going through here and there was nothing else
here down here, there's this stop light and nothing else
whatever the case may be.

Speaker 2 (20:01):
And then the bridge going between Punta Gorda and Port
Charlotte was a one lane bridge at one time. Yeah,
you know, I wasn't here then. But you know, my
friend Michael Hayman's tells me a lot.

Speaker 1 (20:12):
About when you hear all the all the stories from that,
and talk to Frank Desklin and he'll tell you about
all those stories, and you think, oh my gosh. And
and back when Wayne Golf was still with us, and
Wayne and I would talk about that and all, you know,
all those guys they could tell you what it was
like as a kid growing up down here on Bay
Shore and next to where the park area is, and
that's where Wayne initially grew up down in that area

(20:33):
down there, And and you talk about all those things
and the way it was, and and uh are you
talk about them on Boca and in all the areas
and Pine Island and all the things, and just can
you imagine what it was like back then. It's hard
to do that if you don't have some point of
reference and you know, still.

Speaker 2 (20:50):
Hell I come. I grew up in Fort Lauderdale Plantation
and most of the homes and even the apartments. My
parents owned a three in an apartment complex triplex, and
there were tarazo floors and jealousy windows.

Speaker 1 (21:05):
Yeah, well absolutely everybody had jealousy windows on it. When
we came down. And first house we had in golf
Gate in Saraesota, nice older home, not you know up
my Stickney point in that area right there, but in
golf Gate. But those Chelsea windows not real good for insulation,
not good at all.

Speaker 2 (21:25):
They didn't know back.

Speaker 1 (21:26):
Then, and nobody planned on you know, really cold nights
or got cold down here. Excuse me. That was the
only bad thing with those. They did not inslate well
at all. So anyway, I just found that very refreshing
to it. And that's a nice way to do it.
There were there are ways you can approach it and
do it work benefits everybody. That is not to say

(21:47):
that you're not you don't want to see some development.
I think development in a controlled and it controlled ways
the way to do it. I think that's a great
way to do it. So tip of the hat to
do the organization that's doing it and doing it in
combination with this program with the State of Florida. So
that's really been very very refreshing to see that. I
was very amazed to see that, so very very nice

(22:09):
that people are still looking out and where we can
move forward but also take care of what we had
in the past and you can still see it and
experience it, and that's a really important thing. So today
we talked about Foundation Month being this month for the
month of November for Rotary, talked about saving the land,
We talked about where the clubs meet, the different things
going on. Remember that Turkey tree. The Turkey tree for

(22:34):
Thanksgiving today being November third, so we got through November fourteenth.
For the Thanksgiving Giving Tree campaign ends und fourteenth. It's
the Roader Club at Wellham Park and a Park Welcome
Center partnering again this year for the Thanksgiving Tree service
project and the way it works as you buy that
the little coupond or the car that's there, you can

(22:56):
get one from Wellham Park Welcome Center, McCart Drive and
Downtown Wallam Park Select the tag, or you can give
us a call. We can send you a QR code.
Select the tag with the amount of dour denominations. You
purchase your gift card and the dour amount on the
tag you choose. Take the card back to the welcome center.
Then on the fifteenth, the road work at well Park

(23:18):
picks all those up. They go to publics. They purchase
a complete meal basically with the turkey, the frozen turkey,
with stuffing, mashed potatoes, gravy, all a fixing. It's a
complete Thanksgiving dinner. Then they'll deliver those who awaken food
pantry and they'll pick the food up and they'll help
some people during Thanksgiving. And it's a great program. If

(23:39):
that's how it works. If you need more information on that,
give me call nine one for eight four four three
four or any information regarding Rotary.

Speaker 3 (23:47):
What we do.

Speaker 1 (23:48):
If you'd like to be involved, if you have to
come to meeting a speaker, give us a call. You know,
we come to you every Monday right here on my
heart radio and it's wcc A fifteen eighty or one
hundred point nine. So let's talk with Stephen Carter eleven
thirty to noon. Remember plug us in on the iHeart app,
take us anywhere to go and we'll talk to you
next Monday at eleven thirty. Thank you for listening, lend

(24:10):
a hand, do the best you can, and have a
great day.