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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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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

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

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What Falling Interest Rates Mean for South Florida Real Estate

Jim Fried 22 views October 29, 2025 4:19 pm

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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

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 21 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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Disclaimer: Warren Henry Automotive is a proud sponsor of Fried on Business.

In Episode 840 of Fried on Business, host Jim Fried welcomes Brian Gale, Vice Chairman at Cushman & Wakefield, to discuss leadership, mentorship, and the evolving world of commercial real estate.

Brian, a seasoned professional with decades of experience, opens up about his journey in the CRE industry and the strategies that have helped him and his teams succeed. He emphasizes the importance of training, mentoring, and empowering young professionals to ensure the next generation is ready to lead.

Listeners will gain insights into:

How Cushman & Wakefield invests in developing real estate talent

The critical role of mentorship in shaping careers and company culture

Trends driving Miami’s commercial real estate market

Why adaptability, teamwork, and long-term vision are essential for success

Brian also shares personal stories of career growth, the value of resilience, and how strong relationships remain at the core of real estate dealmaking. His perspective offers both practical takeaways and inspiration for professionals at all stages of their careers.

Whether you’re a student, an up-and-coming professional, or a seasoned executive, this episode provides actionable lessons on mentorship, leadership, and navigating the commercial real estate industry.

🎧 Tune in to hear Brian Gale’s powerful perspective on training tomorrow’s leaders and shaping the future of real estate.

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

Disclaimer: Warren Henry Automotive is a proud sponsor of Fried on Business.

In Episode 840 of Fried on Business, host Jim Fried welcomes Brian Gale, Vice Chairman at Cushman & Wakefield, to discuss leadership, mentorship, and the evolving world of commercial real estate.

Brian, a seasoned professional with decades of experience, opens up about his journey in the CRE industry and the strategies that have helped him and his teams succeed. He emphasizes the importance of training, mentoring, and empowering young professionals to ensure the next generation is ready to lead.

Listeners will gain insights into:

How Cushman & Wakefield invests in developing real estate talent

The critical role of mentorship in shaping careers and company culture

Trends driving Miami’s commercial real estate market

Why adaptability, teamwork, and long-term vision are essential for success

Brian also shares personal stories of career growth, the value of resilience, and how strong relationships remain at the core of real estate dealmaking. His perspective offers both practical takeaways and inspiration for professionals at all stages of their careers.

Whether you’re a student, an up-and-coming professional, or a seasoned executive, this episode provides actionable lessons on mentorship, leadership, and navigating the commercial real estate industry.

🎧 Tune in to hear Brian Gale’s powerful perspective on training tomorrow’s leaders and shaping the future of real estate.

🎙️ 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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Cushman & Wakefield’S Brian Gale on The State of the Office Market

Jim Fried 17 views October 2, 2025 4:30 am

Disclaimer: Warren Henry Automotive is a proud sponsor of Fried on Business.

In Episode 839 of Fried on Business, host Jim Fried sits down with Irv Adu-Gyamfi of the IMN Network of Family Offices to discuss one of the most important events for investors, wealth managers, and advisors—the IMN Family Office Forum Miami.

Irv explains how the Forum has become a must-attend conference for the global family office community, drawing participants from across the U.S. and abroad. With Miami now a recognized hub for wealth, investment, and innovation, the city provides the perfect backdrop for conversations about portfolio strategy, governance, succession planning, and impact investing.

Listeners will learn:

Why Miami has become central to the family office world
Key themes and opportunities that will be highlighted at the Forum
How family offices are adapting to economic, social, and generational change
Why networking at IMN creates lasting relationships and new partnerships
Jim and Irv also highlight the Forum’s unique structure, which blends education with networking to ensure meaningful takeaways for participants.

Whether you’re part of a family office, an advisor, or simply interested in the evolving world of wealth management, this episode offers a valuable preview of what’s ahead in Miami.

🎧 Tune in now for insights on the IMN Family Office Forum Miami with Irv Adu-Gyamfi.

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

Disclaimer: Warren Henry Automotive is a proud sponsor of Fried on Business.

In Episode 839 of Fried on Business, host Jim Fried sits down with Irv Adu-Gyamfi of the IMN Network of Family Offices to discuss one of the most important events for investors, wealth managers, and advisors—the IMN Family Office Forum Miami.

Irv explains how the Forum has become a must-attend conference for the global family office community, drawing participants from across the U.S. and abroad. With Miami now a recognized hub for wealth, investment, and innovation, the city provides the perfect backdrop for conversations about portfolio strategy, governance, succession planning, and impact investing.

Listeners will learn:

Why Miami has become central to the family office world
Key themes and opportunities that will be highlighted at the Forum
How family offices are adapting to economic, social, and generational change
Why networking at IMN creates lasting relationships and new partnerships
Jim and Irv also highlight the Forum’s unique structure, which blends education with networking to ensure meaningful takeaways for participants.

Whether you’re part of a family office, an advisor, or simply interested in the evolving world of wealth management, this episode offers a valuable preview of what’s ahead in Miami.

🎧 Tune in now for insights on the IMN Family Office Forum Miami with Irv Adu-Gyamfi.

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

1 0

YouTube Video VVU4aS1uUXJ0T1VrQmVOeGNhODFzaHV3LmlwbW5ENGk0elpJ

Inside the IMN Family Office Forum Miami with Irv Adu-Gyamfi

Jim Fried 24 views September 26, 2025 5:26 am

Disclaimer: Warren Henry Automotive is a proud sponsor of Fried on Business.

In Episode 838 of Fried on Business, host Jim Fried sits down with visionary architect Kobi Karp of Kobi Karp Architecture & Interior Design to discuss one of the hottest topics in real estate and development today: Miami’s urban renaissance.

Karp—who has designed some of Miami’s most recognizable buildings—offers an insider’s perspective on how architecture, planning, and lifestyle-driven design are reshaping the city. He explains how Miami is transitioning from a low-rise, car-centric city to a dense, walkable, and globally connected urban hub.

Listeners will discover:

How design innovation is fueling Miami’s transformation

Why density and mixed-use development are essential to the city’s future

The role of cultural, social, and environmental factors in shaping neighborhoods

How architecture can balance Miami’s growth with sustainability and resilience

Karp also discusses the talent pipeline and mentorship efforts required to sustain this wave of development, highlighting the need for creative problem-solvers and young designers to carry Miami’s growth forward.

This episode offers a rare look at the intersection of design, economics, and community-building, showing how visionary thinking can transform a skyline—and a city.

🎧 Whether you’re an investor, developer, designer, or just love Miami, you won’t want to miss this powerful conversation.

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

Disclaimer: Warren Henry Automotive is a proud sponsor of Fried on Business.

In Episode 838 of Fried on Business, host Jim Fried sits down with visionary architect Kobi Karp of Kobi Karp Architecture & Interior Design to discuss one of the hottest topics in real estate and development today: Miami’s urban renaissance.

Karp—who has designed some of Miami’s most recognizable buildings—offers an insider’s perspective on how architecture, planning, and lifestyle-driven design are reshaping the city. He explains how Miami is transitioning from a low-rise, car-centric city to a dense, walkable, and globally connected urban hub.

Listeners will discover:

How design innovation is fueling Miami’s transformation

Why density and mixed-use development are essential to the city’s future

The role of cultural, social, and environmental factors in shaping neighborhoods

How architecture can balance Miami’s growth with sustainability and resilience

Karp also discusses the talent pipeline and mentorship efforts required to sustain this wave of development, highlighting the need for creative problem-solvers and young designers to carry Miami’s growth forward.

This episode offers a rare look at the intersection of design, economics, and community-building, showing how visionary thinking can transform a skyline—and a city.

🎧 Whether you’re an investor, developer, designer, or just love Miami, you won’t want to miss this powerful conversation.

🎙️ 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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Architect Kobi Karp talks about miami’s urban renaissance

Jim Fried 15 views September 18, 2025 4:48 am

In Episode 837 of Fried on Business, host Jim Fried welcomes Ithan Ash, a recent graduate of the UF Warrington Real Estate School, to talk about the exciting journey from classroom learning to launching a real estate career.

Ithan shares his personal experience as a student and how the program’s rigorous training, mentorship, and practical application prepared him for the realities of today’s real estate market. From learning the technical skills of finance and valuation to building confidence through competitions and networking, Ithan highlights the critical role that education plays in shaping the next generation of real estate professionals.

The conversation covers:

How UF’s curriculum bridges theory and practice

The importance of mentorship and guidance from industry leaders

The transition from student to working professional

Advice for those considering a career in real estate

Jim and Ithan also discuss the broader impact of strong educational programs like UF’s Warrington Real Estate School in developing future leaders who are ready to contribute immediately in the field.

Whether you’re a student, a recent graduate, or a professional looking to understand how education is shaping real estate’s future, this episode provides inspiration, insight, and practical advice.

🎧 Tune in and hear how Ithan Ash is turning his education into opportunity—and how the next generation is poised to transform real estate.

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

In Episode 837 of Fried on Business, host Jim Fried welcomes Ithan Ash, a recent graduate of the UF Warrington Real Estate School, to talk about the exciting journey from classroom learning to launching a real estate career.

Ithan shares his personal experience as a student and how the program’s rigorous training, mentorship, and practical application prepared him for the realities of today’s real estate market. From learning the technical skills of finance and valuation to building confidence through competitions and networking, Ithan highlights the critical role that education plays in shaping the next generation of real estate professionals.

The conversation covers:

How UF’s curriculum bridges theory and practice

The importance of mentorship and guidance from industry leaders

The transition from student to working professional

Advice for those considering a career in real estate

Jim and Ithan also discuss the broader impact of strong educational programs like UF’s Warrington Real Estate School in developing future leaders who are ready to contribute immediately in the field.

Whether you’re a student, a recent graduate, or a professional looking to understand how education is shaping real estate’s future, this episode provides inspiration, insight, and practical advice.

🎧 Tune in and hear how Ithan Ash is turning his education into opportunity—and how the next generation is poised to transform real estate.

🎙️ 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 VVU4aS1uUXJ0T1VrQmVOeGNhODFzaHV3LmhNX095TC1CYTh3

UF Real Estate Program Leads The Nation: Student Leader Ithan Ash’s Journey

Jim Fried 34 views September 13, 2025 12:01 am

In Episode 836 of Fried on Business, host Jim Fried turns his attention to the gridiron, delivering an in-depth look at the Miami Dolphins’ 2025 season. With football excitement building across South Florida, Jim dives into what fans, business leaders, and the broader community can expect from one of the NFL’s most dynamic franchises.

From player updates and coaching strategies to off-field initiatives, Jim explores how the Dolphins continue to shape both sports and business in Miami. The episode highlights not just the team’s on-field prospects but also its influence as a major community partner and economic driver.

Listeners will hear insights on:

Team expectations heading into the 2025 season
Key players and roster developments shaping performance
Fan experience upgrades that enhance game day in Miami
Business and community impact, from partnerships to outreach
Jim also reflects on how the Dolphins’ brand has evolved, representing not only football excellence but also resilience, innovation, and community leadership.

Whether you’re a die-hard Dolphins fan or simply interested in the intersection of sports and business, this episode offers the perfect blend of passion and perspective.

 Tune in for a season preview that captures the energy of Miami’s team and its impact far beyond the field.

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

In Episode 836 of Fried on Business, host Jim Fried turns his attention to the gridiron, delivering an in-depth look at the Miami Dolphins’ 2025 season. With football excitement building across South Florida, Jim dives into what fans, business leaders, and the broader community can expect from one of the NFL’s most dynamic franchises.

From player updates and coaching strategies to off-field initiatives, Jim explores how the Dolphins continue to shape both sports and business in Miami. The episode highlights not just the team’s on-field prospects but also its influence as a major community partner and economic driver.

Listeners will hear insights on:

Team expectations heading into the 2025 season
Key players and roster developments shaping performance
Fan experience upgrades that enhance game day in Miami
Business and community impact, from partnerships to outreach
Jim also reflects on how the Dolphins’ brand has evolved, representing not only football excellence but also resilience, innovation, and community leadership.

Whether you’re a die-hard Dolphins fan or simply interested in the intersection of sports and business, this episode offers the perfect blend of passion and perspective.

Tune in for a season preview that captures the energy of Miami’s team and its impact far beyond the field.

🎙️ 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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Inside the Miami Dolphins 2025 Season: Insights, Expectations, and Big Moves

Jim Fried 6 views September 3, 2025 4:20 pm