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Community banking serves as metaphor in hurricane recovery

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During the latest Fried On Business broadcast, we took some time to talk about community banking and to share some stories in the wake of Hurricane Irma.

Those might sound like disparate topics. But, as you’ll see, they actually mesh very well.

Trends in Community Banking

I think community banks like Gibraltar Private Bank and Trust are evolving and taking a larger role in South Florida. On hand to discuss was T.L. Brown, Senior Vice President and Director of Growth Strategies and Client Experience at Gibraltar.

Gibraltar is a private bank, T.L. said, that prides itself on client service and individual attention.

“We know our clients by their first name. They have our cell phones. They call us 24-7, because they know that when they need something, they can get a hold of us,” he said. “That’s very important to us.”

My recent experience at Gibraltar just underscores what he’s saying. I met T.L. at the bank for lunch, and in addition to a private chef and great food, the bank’s CEO – Angel Medina Jr. – stopped by just to say hello.

It was Medina that convinced T.L. to return to banking after his retirement from the industry.

“It really comes down to relationships – how we build them, and how we maintain them. His vision is for us to use not only ourselves and our ability to maintain those relationships personally but be able to leverage technology to help us enhance the client experience,” he said.

For instance, everybody today is glued to their smartphones. Gibraltar knows that it needs to be on the cutting edge of this technology to make things more convenient for its clients.

When you sit in the lobby at Gibraltar and enjoy a nice cortadito, you’ll look at the TV monitors and eventually see the bank’s philosophy scroll by – “Trust, Loyalty and Integrity.”

“It really is the foundation of our culture and drives everything that we really are about,” T.L. said.

That trust and loyalty work both within the organization and outside in service to the clients, he said.

“We are getting ready to do some internal training, and the name of the course is ‘The Art of Serving Others.’ We’re going to make sure that we reinforce all of those things that we know are important to our organization – that help us be tried and true in service to our clients,” he said.

This was a great interview with a true gentleman in the banking business. Click here to listen to the whole conversation.

Stories From Hurricane Irma

The weekend after our show, T.L. and some friends packed up an SUV and headed for the Lower Keys to help some victims of Hurricane Irma. No doubt they’ll have some stories to tell for years to come as they reach out to people who are struggling to overcome a devastating storm.

And having been on the receiving end of Irma myself, I’ve got a few stories of my own to share.

About a week before the storm, I did some shopping for supplies. I bought a couple of cases of water – just before the store employee refilled the pallet. By the time I strolled past again, it was empty.

I knew the panic was on.

Mom was with me. I turned to her and said, “You’re getting out of town.”

“No, I’m not,” she said.

“Yes, you are.”

“No, I’m not.”

I said, “Turn on the TV.” You know what she said after that?

“Yes, I am!!!”

That left me with only one person to worry about – my wife, Vivian.

Next, the hurricane is upon us. I’m wrapping my stuff to keep it dry, but Viv thinks I’m crazy.

When she finally realizes how serious it is, Viv looks up, looks me in the eye and says, “Honey, please don’t let me die.”

As you know, Viv is suffering from end-stage kidney disease and goes to dialysis every day. So, I got us set up in a hotel that could withstand the storm and was near the dialysis center.

I also had water and Gatorade ready to go at our apartment so I could help out the good people who would be repairing it afterward. Turned out to be a good decision, because the place was a wreck.

As our odyssey continued:

– We had to change hotels. Thank you Bo Ashbel and Hampton Inn at Biscayne and 24th!

– We got a call that there may be a kidney available for Vivian. We got ready, but later we were notified that the kidney would be rejected.

– Vivian was unable to visit dialysis for four days. It almost took her life. It one point, she was resuscitated three times.

The experience has been demanding, and it’s not quite over yet. Click here to listen to the full conversation.

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This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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In this episode, Jim offers practical strategies to help listeners navigate the season without burning out. He discusses the importance of setting boundaries, managing time realistically, and recognizing when to step back instead of pushing harder. Jim also explores how gratitude, perspective, and self-awareness can transform holiday stress into moments of connection and meaning.

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Whether you’re juggling family obligations, work deadlines, financial pressure, or emotional triggers, this episode is a reminder that you’re not alone—and that it’s okay to slow down. Jim’s goal is simple: help listeners enter the holidays with a plan, exit with their sanity intact, and carry forward lessons that last beyond the season.

If you’re looking for a grounded, honest, and compassionate approach to the holidays, this episode delivers guidance you can actually use.

This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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Jim explains why farmer’s markets are an economic engine for small-scale agriculture. When shoppers buy local—rather than from industrial supply chains—small farmers earn more, reinvest in their land, and keep dollars circulating in the community. He highlights how markets promote environmental sustainability by reducing long-distance shipping, cutting packaging waste, and encouraging seasonal eating.

Listeners will learn why farmer’s markets build stronger communities—fostering relationships, supporting small businesses, and creating vibrant public spaces where people gather, talk, and reconnect with the food they eat. Jim also shares insights on how markets drive wellness by making fresh produce more accessible and inspiring families to cook healthier meals. Farmer’s markets offer something deeper than a grocery store ever could: authenticity, transparency, and the chance to meet the people who grow your food.

Jim encourages listeners to seek out their local markets, talk to local growers, and understand where their food comes from. The episode provides practical tips for navigating markets, choosing the best produce, and supporting vendors in ways that help them thrive year-round.

For anyone passionate about food, community, or sustainable living, this episode is a reminder that small choices—like shopping at a local farmer’s market—create big impact.

This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

Protecting wealth isn’t luck — it’s structure. In this episode of Fried On Business, Jim interviews Thomas J. Handler, one of the most respected attorneys in the country on family offices, complex tax strategy, and sophisticated wealth structuring. Thomas is widely known for advising ultra-high-net-worth families, entrepreneurs, and closely held companies on how to create legal and financial frameworks that protect assets and reduce risk.

Thomas explains the difference between wealth creation and wealth preservation, why most entrepreneurs underestimate risk exposure, and how the ultra-wealthy use entity design to control outcomes. Jim and Thomas discuss key elements that affect high-net-worth families: multi-entity structuring, tax efficiency, succession planning, governance, liquidity events, and investment oversight.

Listeners will learn the fundamental question that drives every structuring decision:
“What are we solving for — control, tax optimization, liability protection, or legacy?”

Key takeaways include:

• Why wealthy families use multiple entities
• How to reduce exposure during investment transactions
• The legal logic behind asset segregation
• How to design governance so the structure survives generational transition
• Why failing to plan leads to unnecessary tax loss

Thomas also explains how market uncertainty, elections, and interest rate cycles affect structuring choices — and why now is a critical moment for owners to review their architecture.

If you’re scaling a business, nearing a liquidity event, or managing family wealth, this episode delivers an inside look at how the most sophisticated investors protect what they’ve built.

This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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Key takeaways: define your audience’s problem in their words, state your promise simply, and prove it with every interaction. Do that relentlessly, and your marketing stops chasing attention and starts creating demand.

This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

Great brands don’t happen by accident—they’re built with clarity, consistency, and a compelling promise. In this episode of Fried On Business, Jim Fried welcomes renowned marketing guru Bruce Turkel for a no-nonsense conversation about what actually drives growth in competitive markets. Bruce, a celebrated speaker, author, and brand advisor, explains why branding is not your logo or your tagline—it’s the promise you make and the experience you deliver every time a customer encounters your company.

You’ll learn why clarity beats clever, how to define a brand promise customers instantly understand, and a simple framework to align your message with what buyers value. Bruce shares real-world examples of brands that turned confusion into conversion, plus practical tips to sharpen positioning, simplify messaging, and create creative that customers remember. Jim and Bruce unpack the difference between features and benefits, the psychology behind why people buy, and how to turn a founder’s story into a business advantage.

They also cover modern marketing realities: how to stand out in crowded feeds, why consistent storytelling compounds over time, and how to measure what matters without getting lost in vanity metrics. Whether you’re scaling a professional practice, launching a new product, or refreshing a legacy brand, this episode gives you actionable steps to elevate your marketing—today.

Key takeaways: define your audience’s problem in their words, state your promise simply, and prove it with every interaction. Do that relentlessly, and your marketing stops chasing attention and starts creating demand.

This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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Jim Fried 18 views November 6, 2025 8:25 am

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• Unlock stalled development projects
• Increase land acquisition activity
• Improve refinancing outcomes for existing owners
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• Increase valuations across asset classes

He highlights why South Florida behaves differently than other markets — with persistent demand, population migration, and sustained investor appetite. Jim explains how developers, family offices, and high-net-worth investors can position themselves to benefit before the next wave of capital hits.

You’ll learn:

• How the shift in interest rates affects underwriting
• Which asset classes are likely to accelerate first
• How foreign investors are influencing deal flow
• What smart developers are doing today so they don’t miss the window

Whether you’re a real estate investor, developer, lender, or just someone who follows the South Florida market, this episode delivers practical insights you can act on.

This episode of Fried On Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

South Florida is one of the most dynamic real estate markets in the world — and when interest rates move, the entire development ecosystem reacts. In this episode of Fried On Business, host Jim Fried breaks down what could happen as interest rates begin to fall and capital starts flowing back into deals that have been on pause.

Jim discusses how falling interest rates may:

• Unlock stalled development projects
• Increase land acquisition activity
• Improve refinancing outcomes for existing owners
• Lower developers’ cost of capital
• Increase valuations across asset classes

He highlights why South Florida behaves differently than other markets — with persistent demand, population migration, and sustained investor appetite. Jim explains how developers, family offices, and high-net-worth investors can position themselves to benefit before the next wave of capital hits.

You’ll learn:

• How the shift in interest rates affects underwriting
• Which asset classes are likely to accelerate first
• How foreign investors are influencing deal flow
• What smart developers are doing today so they don’t miss the window

Whether you’re a real estate investor, developer, lender, or just someone who follows the South Florida market, this episode delivers practical insights you can act on.

This episode of Fried On Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

1 0

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Jim Fried 25 views October 29, 2025 4:19 pm

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The conversation explores:
• What blockchain insurance covers (and what it doesn’t)
• Cyber, E&O, D&O, and digital-asset-focused protections
• Why underwriting Web3 is nothing like underwriting traditional tech
• Real attack patterns that put Web3 companies out of business
• How founders can protect investors, customers, and their brand

If you’re building in Web3, investing in digital assets, or responsible for platform security, this episode delivers a practical roadmap for reducing risk, improving compliance, and protecting your business as the industry scales. The future is decentralized — but your risk management shouldn’t be.

This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

As blockchain, crypto, and Web3 move deeper into the mainstream, digital-asset companies are now facing risks that evolve faster than traditional insurance models. In this episode of Fried on Business, host Jim Fried sits down with Jeffrey A. Glusman, Founder & CEO of BDIC Insurance, and James McCarthy, BDIC’s COO, to break down one of the fastest-rising needs in the market: blockchain insurance for the digital economy.

Jeff Glusman and James McCarthy explain the real-world threats facing Web3 companies — from digital asset theft, cyber-intrusions, and smart contract exploits to regulatory uncertainty and custodial risk. They reveal what blockchain insurance actually covers, why most legacy carriers don’t understand this industry, and how BDIC is building smart, customized underwriting strategies for exchanges, NFT platforms, DAOs, token issuers, blockchain developers, and crypto-focused financial firms.

The conversation explores:
• What blockchain insurance covers (and what it doesn’t)
• Cyber, E&O, D&O, and digital-asset-focused protections
• Why underwriting Web3 is nothing like underwriting traditional tech
• Real attack patterns that put Web3 companies out of business
• How founders can protect investors, customers, and their brand

If you’re building in Web3, investing in digital assets, or responsible for platform security, this episode delivers a practical roadmap for reducing risk, improving compliance, and protecting your business as the industry scales. The future is decentralized — but your risk management shouldn’t be.

This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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Jim Fried 27 views October 23, 2025 4:26 am

DISCLAIMER: This podcast is sponsored by Warren Henry Auto Group.

In Fried on Business Episode 842, host Jim Fried celebrates both his 17th season on air and his latest purchase—a brand new Lincoln from Warren Henry Lincoln of North Miami. Joining him is Ismet Yagci, the dealership’s General Manager, to explore how building strong relationships—both inside and outside the showroom—drives everything they do.

For Ismet and the Warren Henry team, relationships are the foundation of business success. From customer interactions to team development, every connection matters. Ismet explains how their culture emphasizes listening, follow-up, and genuine care—values that go far beyond a transaction. The result? Long-term trust, repeat customers, and a workplace where people feel valued and motivated to excel.

Jim and Ismet dive into how this relationship-first mindset extends to leadership and training, mentoring employees to grow into future leaders while maintaining a high standard of service excellence. Whether it’s guiding a new customer through their first Lincoln purchase—or nurturing a team member’s professional journey—Warren Henry Lincoln’s success comes from putting people first.

Tune in to discover why Ismet Yagci believes relationships aren’t just part of the business—they are the business. This episode is a masterclass in customer care, authenticity, and community-driven leadership.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

DISCLAIMER: This podcast is sponsored by Warren Henry Auto Group.

In Fried on Business Episode 842, host Jim Fried celebrates both his 17th season on air and his latest purchase—a brand new Lincoln from Warren Henry Lincoln of North Miami. Joining him is Ismet Yagci, the dealership’s General Manager, to explore how building strong relationships—both inside and outside the showroom—drives everything they do.

For Ismet and the Warren Henry team, relationships are the foundation of business success. From customer interactions to team development, every connection matters. Ismet explains how their culture emphasizes listening, follow-up, and genuine care—values that go far beyond a transaction. The result? Long-term trust, repeat customers, and a workplace where people feel valued and motivated to excel.

Jim and Ismet dive into how this relationship-first mindset extends to leadership and training, mentoring employees to grow into future leaders while maintaining a high standard of service excellence. Whether it’s guiding a new customer through their first Lincoln purchase—or nurturing a team member’s professional journey—Warren Henry Lincoln’s success comes from putting people first.

Tune in to discover why Ismet Yagci believes relationships aren’t just part of the business—they are the business. This episode is a masterclass in customer care, authenticity, and community-driven leadership.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480

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YouTube Video VVU4aS1uUXJ0T1VrQmVOeGNhODFzaHV3LkNhOFdGTTJ4b084

From Sales to Relationships: The Warren Henry Way with Ismet Yagci

Jim Fried 16 views October 15, 2025 4:23 pm