November 22, 2025 • 53 mins
At the Greater South Florida Chamber of Commerce, we are dedicated to providing the best business expos in South Florida.
1. New Health Partner.
2. Dreams Business Resources.
3. River Cities Gazzette.
4. 5 Star Visibility.
5. Kroll Realty.
1. New Health Partner.
2. Dreams Business Resources.
3. River Cities Gazzette.
4. 5 Star Visibility.
5. Kroll Realty.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Welcome to the Greater South Florida Chamber Radio program with
your host to board president John Kroll of Kroll Realty.
Speaker 2 (00:14):
Good morning, Welcome back to the show. It is Saturday,
November twenty second, twenty twenty five. By of the year
is flying. We're coming into Thanksgiving and Christmas, folks, it's
about a month away. With me this morning is Arrestos Espinal.
He is with new Health Partner and their organization is
controlling cutting edge technology within the sector right now. They're
(00:36):
doing a lot of cool things, a lot of things
that I've never seen done before. Very large organization and
from top to bottom, very thorough, very prompt, excellent customer service.
You really kind of guide people through the whole process
rather than when you usually when you sign up for something,
that's the last you hear from the rep complete opposite.
You guys have a really really different approach and it's
(00:56):
a very effective approach. And later today from noon until five,
will be out of the Miami Springs Community Center. I
want to want a patche Street for annual holistic monthly
healthcare and business expone. Hope to have a restless his
team there with us, you know, arrest I want to
get right into it this morning. I want to give
you an opportunity to introduce yourself, give out your phone
number and your web address, and then I want to
(01:19):
have you answer the question why people need life insurance
because they do.
Speaker 3 (01:22):
Go ahead, well, thank you so much for having me over.
I really appreciate the time, and of course you can
definitely contact us at eight three three six one six
eighty six with Due Health Partner Life as far our
life insurance division. And of course everybody asks a question
(01:43):
why while we all need to life insurance and of
course the basic question basic answer is you know to
you know, fundamentally protect your family financially, you do you know,
protecting through the make sure that they debt, you know,
repace income and of course you know, cover final expense,
(02:05):
which is a topic that nobody wants to talk about
right right. Death is a very very more think say,
but definitely something that we got to talk about all
the time.
Speaker 2 (02:15):
Absolutely, what are the different types of life insurance and
how are they different? And more importantly, how does someone
know how much coverage they actually need? Can you touch
on that?
Speaker 3 (02:26):
Yes, of course there's two typical type of laventary policies.
They're going to call it term insurance, which means that
it has a exploration time right there are fifteen, twenty
thirty years, and of course you have what's called it permanent,
which that means that you're going to pay it through
the whole life of the policy. They're both are very
(02:49):
good products and it all depends on you need. And
a very good question that all our clients ask is
how much do I need? Very important? So we pretty
much simplified as asking the client how much do you
make a year?
Speaker 4 (03:06):
Time?
Speaker 3 (03:06):
Is that by ten or fifteen or in most cases
we taught we use the dime program d I m e.
Which is look at your debt, is are your income?
Youither your mortgage, you then your educationally want to give
your child? And you all got up at all that
up and pretty much that's how much you know you're
going to need.
Speaker 2 (03:28):
You know what factor or factors, key factors influence the
cost of life insurance. I know there's a lot of variables.
Speaker 3 (03:37):
Yes, there's a lot of variables, but the most important
one is your health, your age definitely and your lifestyle.
And what I mean by lifestyle is are you a smoker?
Are you a non smoker?
Speaker 5 (03:52):
Uh?
Speaker 3 (03:52):
Do you use any other tobacco products or maybe nowadays
right people use marijuana. And of course the type of
job that you have. Are you a firefighter? Are you
a school teacher?
Speaker 5 (04:06):
At I Brenian.
Speaker 3 (04:07):
All those factors put together, you know, give you definitely
a rate. How much is going to cost you?
Speaker 2 (04:13):
What age is the best to buy life insurance?
Speaker 3 (04:18):
Oh, we get that a lot, Rob. I think obviously
the younger you are the most affordable. It is so definitely.
I have a lot of grandparents who buy policies for
their grandchildren as as they're born, because we know, you know,
you're usually very healthy when you're born.
Speaker 5 (04:36):
Right.
Speaker 3 (04:37):
Of course there's exceptions, but you definitely want to buy
it as young as possible, because the younger you are
the most affordable.
Speaker 2 (04:44):
It is absolutely. Now obviously here's here's the question I have.
Is life insurance through a group planner, through an employer
plan enough or should someone or should an individual consider
buying additional coverage.
Speaker 3 (05:01):
We always suggest for you to buy additional coverage, as
you well mentioned, right insurance for the employer you really
do not own that policy, then ensure the employer does
so the manuy you no longer work there you no
longer have coverage, so they're important to have your own.
Speaker 2 (05:21):
I would think that I would agree with you on
that because obviously, with everything going on today, and there's
been so many drastic changes, and it just seems like
life as a whole is picked up this year in
twenty five, it's been at a faster pace. Seems the
harder you go, the more aware and tear we have
on ourselves. So I can see why you would suggested. Definitely, yep,
(05:42):
definitely rests. Is life insurance only for older adults or
is it for people with families as well?
Speaker 3 (05:50):
No, it's all across the board, right either you are young, older,
have family, don't have family. So nowadays life insurance have
additional over what it's called writers, it's called living benefits,
which means that you have the starting of a heart attack, stroke, cancer,
or any other illnesses, the policy actually will pay a
(06:13):
front while you start alive. So what it means is
that nowadays it has turned to something that you may
use any time of your life. So you definitely would
like to take advantage of those things while you have it,
and that forbid you get diagnosed with cancer nowadays, right
at a very young age. Definitely, you could have the
(06:34):
money upfront, take care of your bills, to hear your life,
and you recoup yourself at anytime.
Speaker 2 (06:40):
Now, what about the individuals out there as just that
have pre existing conditions? Can someone with pre existing conditions
still qualify?
Speaker 6 (06:50):
Yes?
Speaker 3 (06:50):
Actually, that's how the insurance company has evolved. Right now,
we have over thirty carriers or insurance companies right that
actually are able to cover everybody's needs. So it doesn't
matter you have a present condition or not, We'll find
somebody who will get you covered.
Speaker 2 (07:12):
And that's one thing about your organization that really appeals
to me. Not everyone can lay claim to that. You're
very active, you're very hands on. So for people out
there in the listening audience, regardless of the type of
insurance that you need, because I know that you folks
do a lot of different things that other organizations don't,
I'll leave that at that. But what does the claim
(07:33):
process look like for beneficiaries? That's always seems to be
something that people are puzzled by. And I know we
have limited time, but go ahead and get into that
to the best of your ability.
Speaker 3 (07:45):
Yes, it's a very tough situation, right having to put
on our claim for a loved one. But nowadays the
steps are very easy, very smooth. You pretty much as
soon as you go ahead and call in the insurance
company or even your agent that works with you hand
(08:05):
hand in hand right to make sure that everything's taken
care of, you pretty much send out the certificate. They
ask you a couple of security questions to make sure
you're the beneficiary, and between twenty four to forty eight hours,
the insurance care actually wired a check to the loved ones. Wow,
that's amazing, very easy, very quick.
Speaker 2 (08:26):
That's amazing. I like that now. I from average, low
end to average to high end. I know there's all
kinds of different policies, but I know I've seen policies
that range from thirty to fifty dollars a month, some
of them range from fifty two hundred dollars a month,
and obviously it can be anywhere from twenty to thirty
thousand dollars all the way on up to I've seen
(08:47):
people that carry a half a million to a million dollars.
So is your organization in line with that as well?
Just like most of the other companies out there?
Speaker 3 (08:56):
Of course, of course, you know, like you said it
depends on the range. You can buy a policy with
a world coverage for twenty five dollars a month, you know,
and you know we go all the way up to
one thousand dollars a month even know where your needs are, right,
I've had experienced myself with a client who a very
nice ladies early thirties. She was able to purchase a
(09:20):
million dollar policy for only thirty dollars a month. So,
I mean, it all depends what we said before. Your
health and you know, your age definitely is affordable for everyone.
Speaker 2 (09:33):
To go out on a limb. And guess the older
you get, probably the more you're going to pay, whereas
when you're when you're younger, you're going to get the
premium at a lower rate. Am I Is that safe
to say.
Speaker 5 (09:43):
Yeah? To say yes exactly, Well.
Speaker 2 (09:46):
It's like anything else, same with our car insurance and
our health insurance. So it's falls to the norm. You know,
obviously with limited time. Again, I don't want to be
written done it in your opinion, and I know you're
really well versed in this. How has the life insurance
industry changed in the last few years?
Speaker 3 (10:04):
Oh incredible? I mean, nowadays the technology you can actually
go online and apply for a policy and get an
answer and that's in ten minutes. You know nowadays, Back
in the day you take thirty days, sixty days to
get approval. So that's how fast things have changed. Technology
(10:25):
were here at Unit Partner, we use a lot of
our technology and platform to get all our clients get
an answer for coverage in ten minutes. So that's how
we've changed so rapidly in our industry.
Speaker 2 (10:38):
Now, is there dang against people's credit scores when they
do that? Is a soft pole, hard pull? How does
that work?
Speaker 3 (10:45):
No, no pull at all. It's pretty much goes by
what they called MiB, which is your pharmaceutical record. So
pretty much they just look what make case you take
and just about it good.
Speaker 2 (11:01):
Well, I know, I hear that music in the background,
which means we're coming to the end of the interview.
It means we've got about a minute left. What I'd
like for you to do give out your contact information
and let people know the best way to get a
hold of you and your team if they'd like to
get a quote through your organization. And I'm hoping to
see you later today out at the event at one
on one Apache Street here in Miami Springs from noon
(11:22):
until five go ahead to rest us.
Speaker 3 (11:25):
Thank you so much. Moving forward, you're a contact at
eight three three six two one zero six eighty six
against eight three three six two to one oh six
eighty six New Health Funners and we're looking forward to
seeing you of your life.
Speaker 2 (11:41):
Anything you want to share with the listening guys before
you sign off this morning, any words of wisdom when
it comes to life insurance.
Speaker 3 (11:48):
Please take care of yourselves, take care of each other,
and happy holidays everybody.
Speaker 2 (11:53):
Likewise, my friend God blessed, have a great morning. Hope
to see you later today.
Speaker 7 (12:05):
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(12:26):
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Speaker 2 (12:37):
Good morning, Welcome back to the show. It is Saturday,
November twenty second, twenty twenty five. My other year is flying.
We are a month and three days away from Christmas
for coming upon Thanksgiving this week. Later today, from noon
until five, we're going to be out of Miami Springs
for the annual Holistic Healthcare and Business Expo that we
do at the Miami Springs Community Center. With us this morning,
Corporate Trusty Ambassador Joseph Joe McCormick with Dreams Business Resources.
(13:02):
Joe's one of our ambassadors. He's a board member. I
have a number of programs that are designed to enhance
the quality of day to day functioning for small to
mid sized business owners and individuals as a whole who
may not know that they qualify for certain programs that
are out there, may want to pay attention as well.
Want to get right into it this morning, Joe, I
want to thank you for your time. It's always a
(13:23):
pleasure to have you on. And are you ready for
the holiday season, sir? It kind of snuck up on us.
Speaker 6 (13:29):
Yeah, I am my friend.
Speaker 8 (13:30):
I'm going to see a lot of families, so we're
pretty excited about that. And thanks for having me on
the show again. Rob it's always a pleasure listen. I've
got some good news, good news for the listening folks
out there, and this addition to Dreams business resources, I'd
like to share with your listening audience, we have a
(13:51):
individual health insurance plan, a major medical that for those
people are going to feel the findinancial pain of their
ACA plan. Rob I had a friend call me. She
called me two days ago. Her plan is going from
six hundred and fifty dollars to sixteen hundred dollars. That's
(14:13):
criminal for otherwise healthy fifty five year old. But this plan,
which is a major medical requires no underwriting. I want
the folks to understand it's not guaranteed issue like you
would find. However, even with some medical issues, you're going
to be able to get this plan. There is a
(14:35):
series of questions, but that's it. There's no traditional underwriting,
no fourteen page application. I'm actually going to have a link, Rob,
hopefully you can get that on the Chambers website where
they can click it and they can get this insurance.
Very very excited. A lot of plans to choose from
(14:57):
huge networks of doctors, just very very excited about this.
Speaker 5 (15:01):
Rob.
Speaker 2 (15:02):
I am too because that seems to be something that's
been somewhat of a pill for a lot of people.
There's a lot of people myself, I've had to deal
with that issue, which I've shared with you the absolutely
and more, I think more and more, I think that
seems to be the one common barometer that people. I mean,
it's one thing about car insurance, one thing about property taxes.
But when it's your health insurance and it starts to
(15:23):
become overbearing and you're looking at taking out a second
mortgage just so you can pay your premium, I mean,
that's that's when it's rough. And unfortunately, like you said,
it is criminal with what's going on. But you know,
hopefully they can get that straightened out because that has
just become overbearing for a large number of people. Also, Joe,
you know, obviously the situation with the economy, glass I
(15:45):
still say is a quarter to three pips of the
way full, rather than saying it's three quarters of the
way empty or vice versa. But point being still, traditional banks,
traditional lending methods are not there where they have been
in years past, in different cycles in the past. I
know that one of the things you usually share with
(16:06):
the listening audiences to talk a little bit about the
R and D credit and the PIKER programs, because there
are a lot of people out there that don't even
realize that they qualify for the program. It's just a shame,
and I want you to touch on that as well,
if you could, because if you're out there and you
feel like you're up against it, and you feel like
you're padding your head against the wall, you may want
to realize that there's been a number of programs that
(16:27):
have increased and they're going to continue under the big
beautiful bill.
Speaker 8 (16:31):
Go ahead, absolutely, rob. One of our hallmark resources is
the R and D tax credit, where we discuss the
availability of funds from the government for those businesses and
have a product or a process that they improve upon
(16:52):
or try to improve upon or come up with a
invent so to speak. And it's a great way for
small businesses to try to stay one step ahead of
the international crowd if you will. Okay, so it's very easy.
A lot of the business owners I talk to, they say, Hey,
(17:12):
my CPA says, I don't qualify for an R and D.
I don't have R and D. Well, again, if you
have a product, if you have a process and you
improve upon it or try to improve upon it, you
are going to be eligible for an R and D.
And the average R and D tax credit case studies
that we do are around two hundred and fifty thousand
(17:36):
dollars a quarter of a million dollars. Now, some are
obviously much smaller, but some are very large. We recently
had one that was one point five million dollars for
one hundred man company. Very excited about that, So that's
a real shot in the arm for the bottom line. Also,
the fight a reduction plan, which is basically installing a
(18:00):
beautiful health efficiency plan within an organization. It piggybacks you're
already existing major medical group plan. It does not interfere,
it does not replace it, and it's a great way
for the business owner to recoup six hundred dollars in
payroll tax savings per year and rob get this, the
(18:23):
employee themselves. By taking advantage of this health efficiency plan,
we'll see an increase in their pay of about one
hundred to one hundred and twenty dollars a month. And
now all this is delivered at zero net cost of
both parties. Absolutely incredible. The money is sitting on the table.
They just need to pick up the phone. Seven eight
(18:44):
six four h four eleven forty two.
Speaker 2 (18:48):
I know a lot of people were under the impression
that that program had come to an end and that's
not the case. Obviously correct, That is correct.
Speaker 8 (18:59):
Yeah, a lot of people. We're worried about the R
and D folks that have been taking advantage of it
year after year. But the big beautiful bill actually is increased.
The payments have made it a little bit easier to get,
so more funds they're available. They're not going anywhere. And
this is a program that's been around since the mid eighties.
(19:20):
You know, the money has been there and unfortunately rob
only about fifteen maybe twenty percent of the money has taken.
So the coffers are full. The business owners just need
to get a hold of us again. Seventy eight six
four zero four eleven forty two.
Speaker 2 (19:38):
What you have another program that I know you have multiples,
but there's another one that's very intriguing that would benefit
a lot of the people. Can you touch on that.
Speaker 8 (19:47):
Well, the Bank Breezy, which is our streamline, very very
quick business funding program. We don't do credit scores, We
don't look at the credit scores or any as long
as you've got a positive cash inflow on a monthly basis,
we can deliver anywhere from two thousand to two million dollars.
(20:10):
Most of these loans occur within forty eight hours into
your bank account. And we would love to help a
small business because the banks aren't loaning money, and if
they are, you know, it takes a while. This is
something that if you've got funds, if you've got a
project coming up, or you don't want to miss an
opportunity on some material l and you want to take
(20:31):
advantage of that, you don't have your strap for cash
bank Breezy. You know, that's a great program. It's a
great pro real shot in the arm for folks, real lifesaver.
Speaker 2 (20:41):
Yeah it is. And that's very important too to have
that because of the fact that you know, the doom
and gloom, the noise. I don't do it. I know
you don't do it. I choose you just just now.
It doesn't do any good. There is just too much noise.
And I mean, all you can do is you just
have to persevere. You have to find a way to
move forward, to do it in the best positive fashion
(21:01):
you can do it in to hope and pray that
everything is going to be okay, because you and I
both know the bottom lines. It's ninety percent how it works.
It's ninety percent percent of what happens to you or
ten percent of what happens to you in ninety percent
of how you react to it. And usually people have
Usually people have it the other way around, And if
(21:22):
you can get it the right way, then chances are
you're going to be okay and you'll persevere. But always
a pleasure to have you on, Joe because of the
fact that you have so much information for the small
to mid sized business owners and you have these programs
that you're offering, and we like to be able to
refer people to you. And I'm encouraging everyone out there
in the listening audience who's involved with our organization from
(21:43):
top to bottom, to make sure that they reach out
to Joe and his team because a lot of times
Joe's at the events. He will be coming out of
the year going into twenty twenty six, we have all
kinds of new things that we've got going on, so
he'll be a key focal point for it. But in
the interim, he's gonna pplain to you how you can
get a hold of him if you want to reach
out to him and his team so they can help
(22:04):
you out.
Speaker 8 (22:04):
Go ahead, Joe, Hey, thanks everybody again, It's Joe McCormick
Dreams Business Resources and I can be reached at seven
eighty six four oh four eleven forty two. Hope you
have a great Thanksgiving all right, Joe.
Speaker 2 (22:18):
You as well, my friend. Thank you so much, and
God bless I have a wonderful weekend.
Speaker 8 (22:23):
God bless Robs.
Speaker 9 (22:29):
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(22:51):
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(23:11):
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Speaker 2 (23:29):
Good morning, Welcome back to the show. I'm Rob from
the Greater South Florida Chamber of Commerce. This is one
of our weekly radio programs called the Best of South Florida.
Business with Me. Is one of our Corporate Trustee Ambassadors.
His name is Brad Curtis. He is the director of
operations and the proprietor of the River City's Gazette. Been
around for forty five years. It was founded by his father,
(23:50):
Hall of Famer Tom Curtis of the Miami Dolphins and
University of Michigan, and for the last forty five years,
if you were in Miami Springs, Virginia Gardens, Droll and
you needed to have something done from a advertising standpoint
where you went through the River City's Gazette, you still do.
I'm proud to let you know that there are digital now, folks.
(24:11):
And one of the coolest things is later today from
noon until four or five, we're going to be over
at the Miami Springs at Ault Community Center for our
annual holistic Healthcare and Business ex bo. Bradne's team are
always around and I want to thank his brother Hank
at Uncle Hank's Hideaway. If you're in the area, folks,
whether you come to the show or not, make sure
you stop at Uncle Hank's Hideaway because you want to
(24:31):
go for a slider. It's to go to move all
the food is phenomenal, but they have really, really, really
great food. And the Curtis family has been around Miami
Springs for a number of years and the way to
get around Miami Springs is to get connected with the
Curtis family. It's worked for us and we're forever grateful
and thankful. And Brad, I'm just glad to hear things
are going well for you, my friend. And this year
(24:53):
has seemed to rip by pretty quick. For you know,
we're coming upon Christmas and it'll be twenty twenty six.
Go ahead, my friend, let's get into what's going on.
Speaker 6 (25:02):
Hey mo Ron, Hey, you're exactly right. We're more than
halfway through November already, you know, we're almost here to
Thanksgiving and then Christmas and New Year's and we're on
a twenty twenty six. But like you were saying, River
City's Gazette, dot net is our new spot online and
we're a huge success already out here in the River
(25:24):
Cities areas, Miami Springs, Virginia Gardens, Medley and we have
discount advertising available, so make sure you give me a
call if you need something around here as far as
advertise digital marketing seven eight six five eight seven three
zero ninety three. But yeah, I'm here in front of
the new mural out in the back of Uncle Haik's hideaway.
(25:46):
Just a beautiful setting. And believe it or not, it's
the only mural in the River Cities at a private
business because of red tape and ordinances and things like that.
But yeah, to you know, looking forward to that holistic
helfare later today and it's going to be a good
(26:07):
fun time with bingo and everybody smiles and laugh and
that's what you do around here. You have events, and
this weekend is just chalk full of events. There's like
the five k run and there's the Farmless Market and
there's all kinds of stuff going around here, so you know, whatever,
you can get over here and enjoy one of these events,
(26:28):
you need to do so in Miami Springs.
Speaker 2 (26:31):
I know, we're really excited about being there with you,
and we're excited about continuing to work with you in
twenty twenty six, and want to let everybody know in
the listening audience if you're in that area and you
market in Miami Springs and the surrounding areas through January first,
So between now and January first, twenty twenty six, if
you do business with them and you buy one of
(26:52):
their digital packages platforms, you do get a complementary standard
membership normally valued at three hundred and fifty five dollars
through the Greater South Florida Chamber of Commerce, and you'll
qualify for your first event at fifty percent off, so
you can get a booth at any of our events
because we do events in that area as well as
throughout the Track County area and a lot of people
do business in South Florida as a whole. So that's
(27:15):
a promotion we're running in conjunction with the River City's
Gazette because we believe in what they're doing, and we
believe in their continued success. Brad and his family and
his father have been doing this successfully for over forty
five years. Success doesn't happen by accident. It certainly doesn't
happen by accident for forty five years. So kudos and
hats off to you and your team for continuing to
(27:36):
carry on the family tradition and doing the next right
thing to carry the torch for the businesses. Because you know, Brad,
you and I we know each other pretty well, and
we're pretty common on most things. And you and I
both agree that the glass is half full rather than
half empty. You know you're going to get out of
life what you put into it. No need to belly
ache and harp. And there's a lot of noise out
there and a lot of people complaining in do them
(27:57):
and gloom. I choose to not go there. I know
you do as well. Just roll up your sleeves, work hard.
If you have to work two jobs, I do it.
I work a part time job on top of my job.
I know you work your tail off, Brad. So it's
just like and I know your brother does as well,
and your father did for years, and it's just the
way it is and the cool thing about Miami Springs,
it's one of the last little private idahoses. I like
(28:20):
to say, it's like a touch of Mayberry inside of Miami.
If I ever come into any money again, God willing,
If you're listening, that would be my first stop because
it's a great place where you can leave the door unlocked.
The people are down to earth and they have common sense,
and it's just a wonderful family style atmosphere. And once again, folks,
if you're advertising in that area for the rest of
(28:41):
this year, or you're going to be advertising in that
area in twenty twenty six, take advantage of the promotion.
You get a free membership in our organization that includes
us making you a radio commercial, giving you fifty percent off.
It's a first event that you do with us, with
an option to get discounts on other stuff. So go ahead,
brad I want to give you an opportunity to share
anything else that's going on that you're doing. And then
(29:04):
obviously later today we'll be out at the Miami Springs
at All Community Center and Bradley's team will be there
with us.
Speaker 6 (29:10):
Go ahead, sir, absolutely, spot on a rock and yeah,
the uh, the the Mining Springs, Virginia Guard's area. We
are that small town field right across the street from
the mining and the international airport. So if you get
a champ to swing by, you know, lots of parks
and you could ride your bike down the street and
(29:30):
it's just a safe hideaway around here. But there's so
much going on, like uh this weekend that the nightlight
scene we got uh you know, a whole nineteen on
Friday night is the disco eighties, and we got Woody's
Backyard grow on Wednesday is an open mic. There's always
live music. Uh, so much going on around here, and
(29:51):
you can follow it on the website Rivercitiescauzette dot net.
Speaker 2 (29:55):
And if you're hungry, folks, stop into Uncle hanks Hideaway.
That is the premier spot. Killer burgers, killer sliders. Everything
I've had there is phenomenal, and I'm hoping later today
that they'll be out there at the show with us
where people will get an opportunity. If not after the show,
swing by Uncle hanks Hideaway and chip back a cold
one and have a burger. You'll enjoy it. Brad. I
(30:17):
want to thank you for your time this morning. My friend.
We're really looking forward to seeing you later today. Kudos
and hats off to you and your team once again
at the River City's Gazette through the first of January.
If you do business with them on a digital package,
you get a complementary standard level membership through the Greater
South Florida Chamber of Commerce with a radio commercial thirty
second commercial, and you have an option to buy one
(30:38):
of our events at fifty percent off. Brad, I thank
you and I'll see in a few hours. My brother,
thank you, absolutely you too.
Speaker 10 (30:51):
This is a breaking new update. The River City's Gazette
is going digital. Yes, they're going digital. For forty five years,
they've been your trusted source for high quality community news
and entertainment, and now it's online at Rivercitysgazette dot net
starting October first. Want to reach your local audience advertised
with the River City's Gazette, low prices, high exposure, zero limits.
Speaker 2 (31:10):
Call publisher Brad.
Speaker 10 (31:11):
Curtis today at seven eight six five eight seven three
zero nine three seven eight six five eight seven three
zero nine three and start your journey with the River
Citisgazette dot net.
Speaker 2 (31:20):
Good morning, Welcome back to the show. It is Saturday,
November twenty second, twenty twenty five. My, the year's flying.
We're almost at Christmas. We are here this morning at
iHeartRadio in West Palm Beach, Florida. We're now streaming on
the iHeart app. This is the Best of South Florida Business,
one of our weekly radio programs. I'm Robbed from the
Greater South Florida Chamber of Commerce. With me is corporate
Trustee Ambassador Steven Sunshine, who's the president of five Star Visibility.
(31:44):
They are the preferred digital marketing company for the Greater
South Florida Chamber of Commerce, and they're doing a free
digital marketing evaluation for our members and people within our network.
Leak it out of the way. I'm gonna let Steve
talk about social media and the importance of social media.
So many small businesses are all over the map when
it comes to small social media, and if you do
(32:06):
not have the proper platform set up for social media,
you're going to be treading in water constantly. You're going
to be in the deep end of the pool. As
Grandpa used to say, somebody get out of the way, Steve,
and let you get right into it.
Speaker 5 (32:19):
All right, Thank you so much. Rob and I look
forward to Thanksgiving in the holiday season and wish everybody
the best for their family and their holidays. Let me
introduce myself. My name is Steve Sunshine. I'm the president
of five Star Visibility here in Fort Lauderdale. We're on
Cyprus Creek just about the block or two west of
(32:39):
ninety five. So we are a local company serving local
small businesses and helping them find more customers, do better online,
and deliver profit and results. So today's subject is brought
up is social media. This is one of the most
challenging of all the aspects of your digital marketing. One
(33:00):
very simple reason. Anybody can do social media, but to
do it right means you have to have a plan.
You have to have a vision, and you have to execute.
If you don't have a plan and vision, then you're
just throwing stuff against the wall, spaghetti on the wall.
See what sticks. There is a benefit to that as
compared to not doing anything doing you know, a half
(33:23):
job is better than no job at all on social
media because you just want to grease the wheels of
Facebook and Instagram and all the other platforms. But to
create a plan that brings value for engagement and for
your target audience so you can get seen, you expand
your reach, and then you get clicks and results. You know,
(33:45):
it's all about results. So to build a proper social
media plan, you have to understand who your target customers are.
You know, if you're trying to reach kids, you probably
should be on TikTok. If you're trying to reach adults
moms and such, probably Facebook. If you want teenagers and
young adults, maybe Instagram. If you want business professionals during
(34:09):
work hours, maybe LinkedIn. You see, each platform has its
own pluses and minuses. It's good to get on all platforms,
but your expectations have to be measured based on where
your audience is. The general rule or the bottom line
for social media is you need to be where your
(34:29):
customers are. So if they're not coming in your door,
where are they are they visiting Facebook or they're hanging
out there all night long, and you need to interrupt
their sessions and say, hey, look at me, I'm a
good business here in South Florida. So you have to
have a plan. So that's the first strategy. Second, your
posts have to have some sort of strategy to be
(34:52):
able to deliver the right messaging. You don't just want
to post twelve pictures of your cute dog fighting with
your cat. You know you can get some virality out
of that, But is it driving an eyeball to your business?
Is it giving you potential opportunity for growth in your business?
If not, then you know it's entertaining and it's fun
(35:13):
and distracting, but it's not productive. So for your business,
first thing you need to do is where are my
people hanging out? Let's assume they're in Facebook? Okay, So second,
what can I deliver on Facebook through the tools that
they provide me that will be engaging, insightful, educational, entertainment
(35:36):
based maybe, but beneficial to the reader. If you don't
bring any value, why would anyone value your business? So
if you're a plumber, maybe you do twenty four tips
on how to keep your house running tiptop shape and
not have to call a plumber. So if a plumber
(35:58):
does those types of posts, twenty four different posts and
educates the world, if someone does need a plumber, maybe
they'll consider them because they've been providing engagement and information
and benefit all along until the moment the day that
you need a plumber. And now you say, what was
the name of that plumber that kept on doing those tips? Oh,
(36:19):
it was Steve and Rob's Plumbing Service. Let me give
him a call. So not every customer needs you every
single day, but you can post every day or ten
times a day, or once a month. Your strategy is
your strategy. You know, there is no reason to think
that if I post once a month, everything's good, or
if I post once a week, everything's good. It's based
(36:42):
on the results that you achieve, based on the value
you're posting. If you're posting the plumbing tips and people
are clicking on it and commenting and sharing it, and
you're getting engagement and people are reading it and your
followers are growing, then you're providing a good service, good
name recognition, and people are gonna understand that Steven Robb's
(37:04):
Plumbing Service is probably a good deal. Right. So if
I do need one, or I know somebody who needs one,
I'm gonna say, hey, I've been seeing this stuff from
Steven Rob's Plumbing Service over and over again. You need
a plumber once you give them a call. That's how
marketing works. It's repetitive. It has you have to see
it multiple, multiple times. And the timing has to be right.
(37:25):
So one of the things that people always ask me is,
you know, do I do posts? Do I do videos?
Do I do stories? Do I do reels? And the
answer is always yes. You know, you need to test
all the different tools you have in your toolbox to
see what your audience resonates with and on the surface,
you know, stories and reels. You know, videos are more
(37:49):
engaging than posts because people scroll down their timeline and
see one thousand posts tonight, and they're just scrolling till
somebody stops them in their track. And it's usually a
cat fighting with a dog or a baby, you know,
crying something and being funny. But business posts are more challenging.
(38:10):
You have to get some attention. So if your posts
are boring, or they're off topic, or they're not beneficial,
you're not going to do much. But if you have
a story or a real that gives value and some
help and some insight to your expertise and your value
as a company, then you have a strategy. Let me
(38:33):
give you another real world example. If you're a let's say,
a homebuilder or a roofer or a window supply company,
your before and after photos is what's going to energize
and excite a potential customer. Hey, that looks like my
old crappy house with bad windows. Oh when they put
the new windows in, Look how great it looks. Let
(38:54):
me call that window company because they obviously can do
the job. You can see them and after, and that
might win over their attention. You know, if a ten
thousand people see you're before and after window photograph or
video or story, you know, maybe one or two or
three or four might be in the market someday and
(39:15):
maybe you'll connect with them. So the content is king
on social media, planning, strategizing, looking at the insights and
the analytics to see what's working, double down on what's
the good stuff, and kind of reposition or repurpose the
bad stuff or get rid of it, you know, and
try to find your company's voice. Are you talking in
(39:38):
your posts and your text and everything in a comical way,
in a lighthearted way, or in a very serious manner
because you're a doctor, or in a very helpful manner.
You have to have a company voice. So to summarize
strategy is challenging. Let five Star Visibility help you with
your social media. Contact me Steve Sunshine. You can call
(39:59):
me to at nine five four two eight nine five
five five five, or go on our website five Star
Visibility dot com five with the number five, or just
give Rob a call. Everybody sees and loves Rob, So
give Rob a call, say hey, I need some marketing
help and we'll connect.
Speaker 2 (40:15):
And Steve explained to them how they do the digital
marketing evaluation as well. My friends.
Speaker 5 (40:20):
Sure. One of the things that we're offering through the
Chamber is a free digital marketing evaluation. It's about a
thirty point test of your digital footprint online. One of
our marketing experts goes through and checks your socials, checks
your website, checks your Google positioning and ranking, and gives
you a simple report that gives you grades of ABC
(40:42):
DNF so you can kind of understand what a professional
marketing agency values the effort that you put in till now.
There's no obligation. All you have to do is go
to five Star Visibility dot com slash Chamber and order
up a free report. Takes us off, you know, multiple days.
I got a lot of backlog, but it's an extremely
(41:02):
valuable report, no obligation, free and thank Rob in the
Chamber for providing that service for you.
Speaker 2 (41:09):
Steve. I want to thank you. I appreciate you being
with us this morning. Once again, folks. Later today from
noon till five, will be in Miami Springs at the
Miami Springs Community Center for the Holistic Healthcare and Business Expo.
Until next time, Steve, I appreciate it and have a
wonderful Thanksgiving this week. Everyone, Thank you.
Speaker 5 (41:25):
So much, Thank you, bye bye.
Speaker 11 (41:34):
Want your business to shine online? Partner with five Star Visibility,
South Florida's digital marketing agency for small businesses. Located just
one block west of I ninety five on Cypress Creek
Road in Fort Lauderdale. Five Star delivers full funnel digital strategies,
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now get their Google Business Profile marketing package for just
(41:55):
three ninety nine a month and save three hundred dollars.
Visit five Star Visibility dot com today. Hey, that's the
number five Star Visibility dot com. We're performance meets results.
Speaker 2 (42:05):
Good morning, welcome back to the show. It is Saturday,
November twenty second, twenty twenty five. My how the year
has flown. We're coming upon Thanksgiving in Easter. I'm rob
the director of Operations with the Greater South Florida Chamber
of Commerce. This is one of our weekly radio programs
called the Best of South Florida Business. Later today, from
noon until five, we're going to be out at the
Miami Springs at All Community Center for the annual we
(42:26):
do it actually monthly, the Holistic Healthfare and Business Expo.
With us this morning is John Kroll from Crow Really,
who is the board president of the Greater South Florida
Chamber of Commerce. Our motto as we roll with Kroll, John,
I want to get right into it today. I want
to talk a little bit about Crow Really. You've been
around since nineteen fifty one. Your folks, Karl and Irene
founded it. You have over seventy five years as a
(42:47):
boutique family held real estate company. You do everything from
real estate investments, seminars and workshops. You worked at the
Trump Institute, you have a property management arm. You do
commercial real estate. You're working on stuff up at the
Treasure Coast, and you're also doing a lot of refro business,
helping people buy and sell homes now for people. If
(43:07):
you go to the website, Croll REALLYY K R O
L L R E a l t Y. You're going
to find out some things about the dream home Finder,
tips for buyers, homeowner information, titling esco information, mortgage information,
and mortgage rates. It's very very important. And then obviously
if you're looking for someone you know people who are sellers,
(43:29):
you want probate information, free market analysis, tips for sellers,
resources like new construction, schools, relocation, weather, real estate glossary,
and improving your credit score. Touch on what you're seeing
out there. I mean, so many people are like, oh,
the bubble burst, things aren't where they were, the mortgage
rates are too high. What's your take on the whole thing?
Speaker 12 (43:51):
Yeah, Rob, thanks for having me on.
Speaker 2 (43:53):
Always a pleasure to talk to you.
Speaker 12 (43:56):
Yes, definitely. Yeah. I just rolled out a new on
the dropdown when you go to the website, there's a
more section at the top. There's a hyperlink you drop down,
and I just added a improve your credit score, which
people underestimate your credit score because that is very important
(44:18):
in the purchasing aspect of real estate, and so a
lot of people just overlook that and they don't keep
your score straight, meaning that you know your score is
going to help you buy a home that you might
want to look at a home that's a little bit
more than your budget, but your score might put you there.
(44:41):
If it's lower, it might not. So those are things
that are important. So that's one of the links I
just added on there. It's really cool. You can go
in there and open it up and sign up. And
matter of fact, the girl that it's part of the chamber,
Pam Capucci. I don't know if I'm pronouncing her name,
but yeah, yeah, that's their links. So they're they're rolling
(45:05):
stuff out with the mortgage company. So that that was
really that's one thing good about the chamber with the
with connecting with people too as well. But again staying
on topic with with the site. The one thing people
don't understand when they search, people collect their information and
(45:26):
you get people contacting you, where my site is the
only way I contact you. You if you reach it
back to me, So if you want to do a
chat or send me a message, I'll get back to you.
But there's a lot of good resources on there, so
you know, just like general resource information like schools and
(45:46):
whether you know, you got your real estate glossary where
you can go to any topic that you're thinking about
in real estate you can go on there and click
on and find out information that would be very helpful
for you.
Speaker 2 (46:00):
That's really that's important. That's very important.
Speaker 6 (46:05):
Yeah.
Speaker 12 (46:05):
The thing too because I don't you know people, I've
been doing this for a long time, so I see
what irritates people and like for instance, like if you
go on Google and you search a home and put
watery on the water and you want a deep waterhouse,
you get on there, you're going to get hit with
about so many phone calls because what happens is that
(46:27):
information is sold to all the realtors and so then
your information, you're going to be contacted by a number
of agents. That's just the nature of the business. So
and you're basically not even getting into the listing agent.
You're getting to a broker that's paid for a service
that is able to access their information as when they
(46:51):
go on to the website where my side, if you
go on to it royalty dot com, you can search
all those properties. I have the same feed IDXB that
has all the listings of any brokers. So you know,
if you want a search on air and you find
something that's interesting or if you need help on your search,
I can critique it You can also set up your
(47:13):
own automatic search where it will notify you when a
property comes up in you know, a neighborhood that you're
looking in, price point, square footage, garage, waterfront, all that stuff,
school districts. It's really cool.
Speaker 2 (47:29):
That is important because you definitely want to make sure
if you're purchasing a home that you're buying in the
right area. And obviously, if you're selling a home that's
in the right area versus an area that could be
urban blight, it's going to be a little easier to
sell a home in a good area than it is
in an area that, you know, I'm not to say
that could be in one of the Opportunities zones or
(47:49):
an area that's being gentrified, like a perfect example. I've
I've heard you talk about it. You know, money's made
on the buy side, not on the cell side. And
I saw from like twenty eighteen through twenty twenty three
one of the areas that seem to be a hotbed
for people buying stuff and making money off of it
on the buy side was Pompado Beach and some of
(48:11):
the surrounding areas correct.
Speaker 12 (48:14):
Correct, Yes, yeah, and that that is so true too.
People don't realize that. You know, as you own a property,
you pay down your mortgage, and when you advertise a loan,
if you stayed in at ten fifteen years, you're basically
(48:34):
at the term of the end of your loan. You're
paying basically all principle. So everything you're doing, you're building equity.
So it's even it's like money in the bay. So
people don't realize that. And you have an asset at
home that's appreciated so much over the years. I mean,
I look at people that I've sold property to and
I've been doing this for forty six years, and you know,
(48:56):
people that have sold their house ten years later, fifteen
years later making almost double what they bought the house for.
Depends on areas, but you know, it's a great investment,
you know. And so anybody out there renting, you know,
give me a call. Maybe I can help you structure
a deal to buy a house. And look at your
(49:17):
whole picture, and you know, look at the opportunities. Talk
to your accountant. The account will tell you to buy
the house.
Speaker 5 (49:26):
Instead of renting, Yeah, they will.
Speaker 12 (49:30):
Because there are things that you have to think about
when you're when you're making an investment. I mean, make
an investment at a rental, you know how it is.
You're you're I'm trying to get you to get squared
away on a property. So hopefully this year we'll find
you something soon.
Speaker 2 (49:45):
Rob, I hope so too, John, I do. It's been
a while, I'll tell you, because there's definitely no there's
no equity in rent, that's for sure.
Speaker 12 (49:54):
I know you're making the landlord rich, that's for sure.
But yes, it's a fun business is helping people, you know,
achieve their goal, their dream, you know, having to navigate
into something that you know, in the long run it's
going to be the best investment they're going to ever make,
which is it's rewarding, very rewarding.
Speaker 2 (50:18):
That is true. That is true, sir. You know, so
we got about a minute left. Share anything else that's
going on that you want to elaborate on, and then
obviously I want you to give out your contact information
so people know the best way to get a hold
of you and anything else that's going on, because I
know you're working on a lot of different stuff up
in the Treasure Coast and you have some other projects
(50:39):
that you do as well.
Speaker 12 (50:41):
Yeah, that's what that's what I do. I'll edit this.
I kind of search around because I got this kind
of when I was working with the Trump Institute selling
and mentory people. But I look at what's going on
in the infrastructure, like roads and new development sites that
they're you know, raw land and what they're going to
(51:01):
be doing with the land. But those are things that
you know. If you want to reach out to me,
you can reach out my cell number. It's ninety five
four four one zero twenty three oh one. Again, like
I said, our website is www dot Crolrealty dot com.
And if you want to get to me how those
are the ways to get to me.
Speaker 2 (51:20):
John, I want to thank you for your time this morning.
Once skin folks, it's been John Kroll, CEO of CROLL
Really located at fifty four forty seven North Federal Highway,
Fort Lauderdale, Florida. It's also the home of the Greater
South Florida Chamber of Commerce. It's also a place where
you can lease our media room if you want to
do your own networking stuff and use our smartboard, and
we have a radio and podcast room that state of
(51:41):
the art as well. Stop buying CS five four four
seven North Federal Highway, Fort Lauderdale three three three zero eight, John,
have a wonderful weekend and God blessed. Thank you, my friend,
Thank you sir.
Speaker 13 (51:56):
Buying or selling your home, contact Croll Realty and Croll
Realty for the best deal. A boutique style real estate
company since nineteen fifty one, Kroll Realty offers Broward and
Palm Beach County real estate experts with unparalleled knowledge and
local expertise just looking. Register at Crolrealty dot com, a
free website without any hassles. Sign up for email updates
(52:16):
on your search criteria, use the resources, and more. Again
that's Krollrealty dot com k r l Lrealty dot com.
Speaker 1 (52:24):
We roll with Kroll.
Speaker 4 (52:26):
Are you tired of treating symptoms instead of solving the problem.
At Pivotal Health and Wellness in Lakeworth, we help your
body heal naturally without surgery or medication. Located just west
of I ninety five on the south side of Tenth Avenue,
we offer free thermal scans and consultations to get you
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(52:47):
dot com or call five six one four three four
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to a better life.
Speaker 14 (52:56):
Business owners, The Greater South Florida Chamber is now accepting
my memberships. As an online member, your business can create pages, posts,
and comments that add an extra dimension to your online presence.
Direct mail, newspaper and business directories are also available. With
over one thousand current members and one hundred thousand within
the social network, the Greater South Florida Chamber can help
(53:17):
generate business that fits your budget. Call today nine five
four five eight oh eight eight oh two or visit
Greater South Florida Chamber dot com.
Speaker 1 (53:26):
You've been listening to the Greater South Florida Chamber radio
program with your host, Board President John Kroll of Kroll
Realty
Welcome to the Greater South Florida Chamber Radio program with
your host to board president John Kroll of Kroll Realty.
Speaker 2 (00:14):
Good morning, Welcome back to the show. It is Saturday,
November twenty second, twenty twenty five. By of the year
is flying. We're coming into Thanksgiving and Christmas, folks, it's
about a month away. With me this morning is Arrestos Espinal.
He is with new Health Partner and their organization is
controlling cutting edge technology within the sector right now. They're
(00:36):
doing a lot of cool things, a lot of things
that I've never seen done before. Very large organization and
from top to bottom, very thorough, very prompt, excellent customer service.
You really kind of guide people through the whole process
rather than when you usually when you sign up for something,
that's the last you hear from the rep complete opposite.
You guys have a really really different approach and it's
(00:56):
a very effective approach. And later today from noon until five,
will be out of the Miami Springs Community Center. I
want to want a patche Street for annual holistic monthly
healthcare and business expone. Hope to have a restless his
team there with us, you know, arrest I want to
get right into it this morning. I want to give
you an opportunity to introduce yourself, give out your phone
number and your web address, and then I want to
(01:19):
have you answer the question why people need life insurance
because they do.
Speaker 3 (01:22):
Go ahead, well, thank you so much for having me over.
I really appreciate the time, and of course you can
definitely contact us at eight three three six one six
eighty six with Due Health Partner Life as far our
life insurance division. And of course everybody asks a question
(01:43):
why while we all need to life insurance and of
course the basic question basic answer is you know to
you know, fundamentally protect your family financially, you do you know,
protecting through the make sure that they debt, you know,
repace income and of course you know, cover final expense,
(02:05):
which is a topic that nobody wants to talk about
right right. Death is a very very more think say,
but definitely something that we got to talk about all
the time.
Speaker 2 (02:15):
Absolutely, what are the different types of life insurance and
how are they different? And more importantly, how does someone
know how much coverage they actually need? Can you touch
on that?
Speaker 3 (02:26):
Yes, of course there's two typical type of laventary policies.
They're going to call it term insurance, which means that
it has a exploration time right there are fifteen, twenty
thirty years, and of course you have what's called it permanent,
which that means that you're going to pay it through
the whole life of the policy. They're both are very
(02:49):
good products and it all depends on you need. And
a very good question that all our clients ask is
how much do I need? Very important? So we pretty
much simplified as asking the client how much do you
make a year?
Speaker 4 (03:06):
Time?
Speaker 3 (03:06):
Is that by ten or fifteen or in most cases
we taught we use the dime program d I m e.
Which is look at your debt, is are your income?
Youither your mortgage, you then your educationally want to give
your child? And you all got up at all that
up and pretty much that's how much you know you're
going to need.
Speaker 2 (03:28):
You know what factor or factors, key factors influence the
cost of life insurance. I know there's a lot of variables.
Speaker 3 (03:37):
Yes, there's a lot of variables, but the most important
one is your health, your age definitely and your lifestyle.
And what I mean by lifestyle is are you a smoker?
Are you a non smoker?
Speaker 5 (03:52):
Uh?
Speaker 3 (03:52):
Do you use any other tobacco products or maybe nowadays
right people use marijuana. And of course the type of
job that you have. Are you a firefighter? Are you
a school teacher?
Speaker 5 (04:06):
At I Brenian.
Speaker 3 (04:07):
All those factors put together, you know, give you definitely
a rate. How much is going to cost you?
Speaker 2 (04:13):
What age is the best to buy life insurance?
Speaker 3 (04:18):
Oh, we get that a lot, Rob. I think obviously
the younger you are the most affordable. It is so definitely.
I have a lot of grandparents who buy policies for
their grandchildren as as they're born, because we know, you know,
you're usually very healthy when you're born.
Speaker 5 (04:36):
Right.
Speaker 3 (04:37):
Of course there's exceptions, but you definitely want to buy
it as young as possible, because the younger you are
the most affordable.
Speaker 2 (04:44):
It is absolutely. Now obviously here's here's the question I have.
Is life insurance through a group planner, through an employer
plan enough or should someone or should an individual consider
buying additional coverage.
Speaker 3 (05:01):
We always suggest for you to buy additional coverage, as
you well mentioned, right insurance for the employer you really
do not own that policy, then ensure the employer does
so the manuy you no longer work there you no
longer have coverage, so they're important to have your own.
Speaker 2 (05:21):
I would think that I would agree with you on
that because obviously, with everything going on today, and there's
been so many drastic changes, and it just seems like
life as a whole is picked up this year in
twenty five, it's been at a faster pace. Seems the
harder you go, the more aware and tear we have
on ourselves. So I can see why you would suggested. Definitely, yep,
(05:42):
definitely rests. Is life insurance only for older adults or
is it for people with families as well?
Speaker 3 (05:50):
No, it's all across the board, right either you are young, older,
have family, don't have family. So nowadays life insurance have
additional over what it's called writers, it's called living benefits,
which means that you have the starting of a heart attack, stroke, cancer,
or any other illnesses, the policy actually will pay a
(06:13):
front while you start alive. So what it means is
that nowadays it has turned to something that you may
use any time of your life. So you definitely would
like to take advantage of those things while you have it,
and that forbid you get diagnosed with cancer nowadays, right
at a very young age. Definitely, you could have the
(06:34):
money upfront, take care of your bills, to hear your life,
and you recoup yourself at anytime.
Speaker 2 (06:40):
Now, what about the individuals out there as just that
have pre existing conditions? Can someone with pre existing conditions
still qualify?
Speaker 6 (06:50):
Yes?
Speaker 3 (06:50):
Actually, that's how the insurance company has evolved. Right now,
we have over thirty carriers or insurance companies right that
actually are able to cover everybody's needs. So it doesn't
matter you have a present condition or not, We'll find
somebody who will get you covered.
Speaker 2 (07:12):
And that's one thing about your organization that really appeals
to me. Not everyone can lay claim to that. You're
very active, you're very hands on. So for people out
there in the listening audience, regardless of the type of
insurance that you need, because I know that you folks
do a lot of different things that other organizations don't,
I'll leave that at that. But what does the claim
(07:33):
process look like for beneficiaries? That's always seems to be
something that people are puzzled by. And I know we
have limited time, but go ahead and get into that
to the best of your ability.
Speaker 3 (07:45):
Yes, it's a very tough situation, right having to put
on our claim for a loved one. But nowadays the
steps are very easy, very smooth. You pretty much as
soon as you go ahead and call in the insurance
company or even your agent that works with you hand
(08:05):
hand in hand right to make sure that everything's taken
care of, you pretty much send out the certificate. They
ask you a couple of security questions to make sure
you're the beneficiary, and between twenty four to forty eight hours,
the insurance care actually wired a check to the loved ones. Wow,
that's amazing, very easy, very quick.
Speaker 2 (08:26):
That's amazing. I like that now. I from average, low
end to average to high end. I know there's all
kinds of different policies, but I know I've seen policies
that range from thirty to fifty dollars a month, some
of them range from fifty two hundred dollars a month,
and obviously it can be anywhere from twenty to thirty
thousand dollars all the way on up to I've seen
(08:47):
people that carry a half a million to a million dollars.
So is your organization in line with that as well?
Just like most of the other companies out there?
Speaker 3 (08:56):
Of course, of course, you know, like you said it
depends on the range. You can buy a policy with
a world coverage for twenty five dollars a month, you know,
and you know we go all the way up to
one thousand dollars a month even know where your needs are, right,
I've had experienced myself with a client who a very
nice ladies early thirties. She was able to purchase a
(09:20):
million dollar policy for only thirty dollars a month. So,
I mean, it all depends what we said before. Your
health and you know, your age definitely is affordable for everyone.
Speaker 2 (09:33):
To go out on a limb. And guess the older
you get, probably the more you're going to pay, whereas
when you're when you're younger, you're going to get the
premium at a lower rate. Am I Is that safe
to say.
Speaker 5 (09:43):
Yeah? To say yes exactly, Well.
Speaker 2 (09:46):
It's like anything else, same with our car insurance and
our health insurance. So it's falls to the norm. You know,
obviously with limited time. Again, I don't want to be
written done it in your opinion, and I know you're
really well versed in this. How has the life insurance
industry changed in the last few years?
Speaker 3 (10:04):
Oh incredible? I mean, nowadays the technology you can actually
go online and apply for a policy and get an
answer and that's in ten minutes. You know nowadays, Back
in the day you take thirty days, sixty days to
get approval. So that's how fast things have changed. Technology
(10:25):
were here at Unit Partner, we use a lot of
our technology and platform to get all our clients get
an answer for coverage in ten minutes. So that's how
we've changed so rapidly in our industry.
Speaker 2 (10:38):
Now, is there dang against people's credit scores when they
do that? Is a soft pole, hard pull? How does
that work?
Speaker 3 (10:45):
No, no pull at all. It's pretty much goes by
what they called MiB, which is your pharmaceutical record. So
pretty much they just look what make case you take
and just about it good.
Speaker 2 (11:01):
Well, I know, I hear that music in the background,
which means we're coming to the end of the interview.
It means we've got about a minute left. What I'd
like for you to do give out your contact information
and let people know the best way to get a
hold of you and your team if they'd like to
get a quote through your organization. And I'm hoping to
see you later today out at the event at one
on one Apache Street here in Miami Springs from noon
(11:22):
until five go ahead to rest us.
Speaker 3 (11:25):
Thank you so much. Moving forward, you're a contact at
eight three three six two one zero six eighty six
against eight three three six two to one oh six
eighty six New Health Funners and we're looking forward to
seeing you of your life.
Speaker 2 (11:41):
Anything you want to share with the listening guys before
you sign off this morning, any words of wisdom when
it comes to life insurance.
Speaker 3 (11:48):
Please take care of yourselves, take care of each other,
and happy holidays everybody.
Speaker 2 (11:53):
Likewise, my friend God blessed, have a great morning. Hope
to see you later today.
Speaker 7 (12:05):
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(12:26):
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Speaker 2 (12:37):
Good morning, Welcome back to the show. It is Saturday,
November twenty second, twenty twenty five. My other year is flying.
We are a month and three days away from Christmas
for coming upon Thanksgiving this week. Later today, from noon
until five, we're going to be out of Miami Springs
for the annual Holistic Healthcare and Business Expo that we
do at the Miami Springs Community Center. With us this morning,
Corporate Trusty Ambassador Joseph Joe McCormick with Dreams Business Resources.
(13:02):
Joe's one of our ambassadors. He's a board member. I
have a number of programs that are designed to enhance
the quality of day to day functioning for small to
mid sized business owners and individuals as a whole who
may not know that they qualify for certain programs that
are out there, may want to pay attention as well.
Want to get right into it this morning, Joe, I
want to thank you for your time. It's always a
(13:23):
pleasure to have you on. And are you ready for
the holiday season, sir? It kind of snuck up on us.
Speaker 6 (13:29):
Yeah, I am my friend.
Speaker 8 (13:30):
I'm going to see a lot of families, so we're
pretty excited about that. And thanks for having me on
the show again. Rob it's always a pleasure listen. I've
got some good news, good news for the listening folks
out there, and this addition to Dreams business resources, I'd
like to share with your listening audience, we have a
(13:51):
individual health insurance plan, a major medical that for those
people are going to feel the findinancial pain of their
ACA plan. Rob I had a friend call me. She
called me two days ago. Her plan is going from
six hundred and fifty dollars to sixteen hundred dollars. That's
(14:13):
criminal for otherwise healthy fifty five year old. But this plan,
which is a major medical requires no underwriting. I want
the folks to understand it's not guaranteed issue like you
would find. However, even with some medical issues, you're going
to be able to get this plan. There is a
(14:35):
series of questions, but that's it. There's no traditional underwriting,
no fourteen page application. I'm actually going to have a link, Rob,
hopefully you can get that on the Chambers website where
they can click it and they can get this insurance.
Very very excited. A lot of plans to choose from
(14:57):
huge networks of doctors, just very very excited about this.
Speaker 5 (15:01):
Rob.
Speaker 2 (15:02):
I am too because that seems to be something that's
been somewhat of a pill for a lot of people.
There's a lot of people myself, I've had to deal
with that issue, which I've shared with you the absolutely
and more, I think more and more, I think that
seems to be the one common barometer that people. I mean,
it's one thing about car insurance, one thing about property taxes.
But when it's your health insurance and it starts to
(15:23):
become overbearing and you're looking at taking out a second
mortgage just so you can pay your premium, I mean,
that's that's when it's rough. And unfortunately, like you said,
it is criminal with what's going on. But you know,
hopefully they can get that straightened out because that has
just become overbearing for a large number of people. Also, Joe,
you know, obviously the situation with the economy, glass I
(15:45):
still say is a quarter to three pips of the
way full, rather than saying it's three quarters of the
way empty or vice versa. But point being still, traditional banks,
traditional lending methods are not there where they have been
in years past, in different cycles in the past. I
know that one of the things you usually share with
(16:06):
the listening audiences to talk a little bit about the
R and D credit and the PIKER programs, because there
are a lot of people out there that don't even
realize that they qualify for the program. It's just a shame,
and I want you to touch on that as well,
if you could, because if you're out there and you
feel like you're up against it, and you feel like
you're padding your head against the wall, you may want
to realize that there's been a number of programs that
(16:27):
have increased and they're going to continue under the big
beautiful bill.
Speaker 8 (16:31):
Go ahead, absolutely, rob. One of our hallmark resources is
the R and D tax credit, where we discuss the
availability of funds from the government for those businesses and
have a product or a process that they improve upon
(16:52):
or try to improve upon or come up with a
invent so to speak. And it's a great way for
small businesses to try to stay one step ahead of
the international crowd if you will. Okay, so it's very easy.
A lot of the business owners I talk to, they say, Hey,
(17:12):
my CPA says, I don't qualify for an R and D.
I don't have R and D. Well, again, if you
have a product, if you have a process and you
improve upon it or try to improve upon it, you
are going to be eligible for an R and D.
And the average R and D tax credit case studies
that we do are around two hundred and fifty thousand
(17:36):
dollars a quarter of a million dollars. Now, some are
obviously much smaller, but some are very large. We recently
had one that was one point five million dollars for
one hundred man company. Very excited about that, So that's
a real shot in the arm for the bottom line. Also,
the fight a reduction plan, which is basically installing a
(18:00):
beautiful health efficiency plan within an organization. It piggybacks you're
already existing major medical group plan. It does not interfere,
it does not replace it, and it's a great way
for the business owner to recoup six hundred dollars in
payroll tax savings per year and rob get this, the
(18:23):
employee themselves. By taking advantage of this health efficiency plan,
we'll see an increase in their pay of about one
hundred to one hundred and twenty dollars a month. And
now all this is delivered at zero net cost of
both parties. Absolutely incredible. The money is sitting on the table.
They just need to pick up the phone. Seven eight
(18:44):
six four h four eleven forty two.
Speaker 2 (18:48):
I know a lot of people were under the impression
that that program had come to an end and that's
not the case. Obviously correct, That is correct.
Speaker 8 (18:59):
Yeah, a lot of people. We're worried about the R
and D folks that have been taking advantage of it
year after year. But the big beautiful bill actually is increased.
The payments have made it a little bit easier to get,
so more funds they're available. They're not going anywhere. And
this is a program that's been around since the mid eighties.
(19:20):
You know, the money has been there and unfortunately rob
only about fifteen maybe twenty percent of the money has taken.
So the coffers are full. The business owners just need
to get a hold of us again. Seventy eight six
four zero four eleven forty two.
Speaker 2 (19:38):
What you have another program that I know you have multiples,
but there's another one that's very intriguing that would benefit
a lot of the people. Can you touch on that.
Speaker 8 (19:47):
Well, the Bank Breezy, which is our streamline, very very
quick business funding program. We don't do credit scores, We
don't look at the credit scores or any as long
as you've got a positive cash inflow on a monthly basis,
we can deliver anywhere from two thousand to two million dollars.
(20:10):
Most of these loans occur within forty eight hours into
your bank account. And we would love to help a
small business because the banks aren't loaning money, and if
they are, you know, it takes a while. This is
something that if you've got funds, if you've got a
project coming up, or you don't want to miss an
opportunity on some material l and you want to take
(20:31):
advantage of that, you don't have your strap for cash
bank Breezy. You know, that's a great program. It's a
great pro real shot in the arm for folks, real lifesaver.
Speaker 2 (20:41):
Yeah it is. And that's very important too to have
that because of the fact that you know, the doom
and gloom, the noise. I don't do it. I know
you don't do it. I choose you just just now.
It doesn't do any good. There is just too much noise.
And I mean, all you can do is you just
have to persevere. You have to find a way to
move forward, to do it in the best positive fashion
(21:01):
you can do it in to hope and pray that
everything is going to be okay, because you and I
both know the bottom lines. It's ninety percent how it works.
It's ninety percent percent of what happens to you or
ten percent of what happens to you in ninety percent
of how you react to it. And usually people have
Usually people have it the other way around, And if
(21:22):
you can get it the right way, then chances are
you're going to be okay and you'll persevere. But always
a pleasure to have you on, Joe because of the
fact that you have so much information for the small
to mid sized business owners and you have these programs
that you're offering, and we like to be able to
refer people to you. And I'm encouraging everyone out there
in the listening audience who's involved with our organization from
(21:43):
top to bottom, to make sure that they reach out
to Joe and his team because a lot of times
Joe's at the events. He will be coming out of
the year going into twenty twenty six, we have all
kinds of new things that we've got going on, so
he'll be a key focal point for it. But in
the interim, he's gonna pplain to you how you can
get a hold of him if you want to reach
out to him and his team so they can help
(22:04):
you out.
Speaker 8 (22:04):
Go ahead, Joe, Hey, thanks everybody again, It's Joe McCormick
Dreams Business Resources and I can be reached at seven
eighty six four oh four eleven forty two. Hope you
have a great Thanksgiving all right, Joe.
Speaker 2 (22:18):
You as well, my friend. Thank you so much, and
God bless I have a wonderful weekend.
Speaker 8 (22:23):
God bless Robs.
Speaker 9 (22:29):
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(22:51):
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(23:11):
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six four three sixty four oh six. Where visit Dreams
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Speaker 2 (23:29):
Good morning, Welcome back to the show. I'm Rob from
the Greater South Florida Chamber of Commerce. This is one
of our weekly radio programs called the Best of South Florida.
Business with Me. Is one of our Corporate Trustee Ambassadors.
His name is Brad Curtis. He is the director of
operations and the proprietor of the River City's Gazette. Been
around for forty five years. It was founded by his father,
(23:50):
Hall of Famer Tom Curtis of the Miami Dolphins and
University of Michigan, and for the last forty five years,
if you were in Miami Springs, Virginia Gardens, Droll and
you needed to have something done from a advertising standpoint
where you went through the River City's Gazette, you still do.
I'm proud to let you know that there are digital now, folks.
(24:11):
And one of the coolest things is later today from
noon until four or five, we're going to be over
at the Miami Springs at Ault Community Center for our
annual holistic Healthcare and Business ex bo. Bradne's team are
always around and I want to thank his brother Hank
at Uncle Hank's Hideaway. If you're in the area, folks,
whether you come to the show or not, make sure
you stop at Uncle Hank's Hideaway because you want to
(24:31):
go for a slider. It's to go to move all
the food is phenomenal, but they have really, really, really
great food. And the Curtis family has been around Miami
Springs for a number of years and the way to
get around Miami Springs is to get connected with the
Curtis family. It's worked for us and we're forever grateful
and thankful. And Brad, I'm just glad to hear things
are going well for you, my friend. And this year
(24:53):
has seemed to rip by pretty quick. For you know,
we're coming upon Christmas and it'll be twenty twenty six.
Go ahead, my friend, let's get into what's going on.
Speaker 6 (25:02):
Hey mo Ron, Hey, you're exactly right. We're more than
halfway through November already, you know, we're almost here to
Thanksgiving and then Christmas and New Year's and we're on
a twenty twenty six. But like you were saying, River
City's Gazette, dot net is our new spot online and
we're a huge success already out here in the River
(25:24):
Cities areas, Miami Springs, Virginia Gardens, Medley and we have
discount advertising available, so make sure you give me a
call if you need something around here as far as
advertise digital marketing seven eight six five eight seven three
zero ninety three. But yeah, I'm here in front of
the new mural out in the back of Uncle Haik's hideaway.
(25:46):
Just a beautiful setting. And believe it or not, it's
the only mural in the River Cities at a private
business because of red tape and ordinances and things like that.
But yeah, to you know, looking forward to that holistic
helfare later today and it's going to be a good
(26:07):
fun time with bingo and everybody smiles and laugh and
that's what you do around here. You have events, and
this weekend is just chalk full of events. There's like
the five k run and there's the Farmless Market and
there's all kinds of stuff going around here, so you know, whatever,
you can get over here and enjoy one of these events,
(26:28):
you need to do so in Miami Springs.
Speaker 2 (26:31):
I know, we're really excited about being there with you,
and we're excited about continuing to work with you in
twenty twenty six, and want to let everybody know in
the listening audience if you're in that area and you
market in Miami Springs and the surrounding areas through January first,
So between now and January first, twenty twenty six, if
you do business with them and you buy one of
(26:52):
their digital packages platforms, you do get a complementary standard
membership normally valued at three hundred and fifty five dollars
through the Greater South Florida Chamber of Commerce, and you'll
qualify for your first event at fifty percent off, so
you can get a booth at any of our events
because we do events in that area as well as
throughout the Track County area and a lot of people
do business in South Florida as a whole. So that's
(27:15):
a promotion we're running in conjunction with the River City's
Gazette because we believe in what they're doing, and we
believe in their continued success. Brad and his family and
his father have been doing this successfully for over forty
five years. Success doesn't happen by accident. It certainly doesn't
happen by accident for forty five years. So kudos and
hats off to you and your team for continuing to
(27:36):
carry on the family tradition and doing the next right
thing to carry the torch for the businesses. Because you know, Brad,
you and I we know each other pretty well, and
we're pretty common on most things. And you and I
both agree that the glass is half full rather than
half empty. You know you're going to get out of
life what you put into it. No need to belly
ache and harp. And there's a lot of noise out
there and a lot of people complaining in do them
(27:57):
and gloom. I choose to not go there. I know
you do as well. Just roll up your sleeves, work hard.
If you have to work two jobs, I do it.
I work a part time job on top of my job.
I know you work your tail off, Brad. So it's
just like and I know your brother does as well,
and your father did for years, and it's just the
way it is and the cool thing about Miami Springs,
it's one of the last little private idahoses. I like
(28:20):
to say, it's like a touch of Mayberry inside of Miami.
If I ever come into any money again, God willing,
If you're listening, that would be my first stop because
it's a great place where you can leave the door unlocked.
The people are down to earth and they have common sense,
and it's just a wonderful family style atmosphere. And once again, folks,
if you're advertising in that area for the rest of
(28:41):
this year, or you're going to be advertising in that
area in twenty twenty six, take advantage of the promotion.
You get a free membership in our organization that includes
us making you a radio commercial, giving you fifty percent off.
It's a first event that you do with us, with
an option to get discounts on other stuff. So go ahead,
brad I want to give you an opportunity to share
anything else that's going on that you're doing. And then
(29:04):
obviously later today we'll be out at the Miami Springs
at All Community Center and Bradley's team will be there
with us.
Speaker 6 (29:10):
Go ahead, sir, absolutely, spot on a rock and yeah,
the uh, the the Mining Springs, Virginia Guard's area. We
are that small town field right across the street from
the mining and the international airport. So if you get
a champ to swing by, you know, lots of parks
and you could ride your bike down the street and
(29:30):
it's just a safe hideaway around here. But there's so
much going on, like uh this weekend that the nightlight
scene we got uh you know, a whole nineteen on
Friday night is the disco eighties, and we got Woody's
Backyard grow on Wednesday is an open mic. There's always
live music. Uh, so much going on around here, and
(29:51):
you can follow it on the website Rivercitiescauzette dot net.
Speaker 2 (29:55):
And if you're hungry, folks, stop into Uncle hanks Hideaway.
That is the premier spot. Killer burgers, killer sliders. Everything
I've had there is phenomenal, and I'm hoping later today
that they'll be out there at the show with us
where people will get an opportunity. If not after the show,
swing by Uncle hanks Hideaway and chip back a cold
one and have a burger. You'll enjoy it. Brad. I
(30:17):
want to thank you for your time this morning. My friend.
We're really looking forward to seeing you later today. Kudos
and hats off to you and your team once again
at the River City's Gazette through the first of January.
If you do business with them on a digital package,
you get a complementary standard level membership through the Greater
South Florida Chamber of Commerce with a radio commercial thirty
second commercial, and you have an option to buy one
(30:38):
of our events at fifty percent off. Brad, I thank
you and I'll see in a few hours. My brother,
thank you, absolutely you too.
Speaker 10 (30:51):
This is a breaking new update. The River City's Gazette
is going digital. Yes, they're going digital. For forty five years,
they've been your trusted source for high quality community news
and entertainment, and now it's online at Rivercitysgazette dot net
starting October first. Want to reach your local audience advertised
with the River City's Gazette, low prices, high exposure, zero limits.
Speaker 2 (31:10):
Call publisher Brad.
Speaker 10 (31:11):
Curtis today at seven eight six five eight seven three
zero nine three seven eight six five eight seven three
zero nine three and start your journey with the River
Citisgazette dot net.
Speaker 2 (31:20):
Good morning, Welcome back to the show. It is Saturday,
November twenty second, twenty twenty five. My, the year's flying.
We're almost at Christmas. We are here this morning at
iHeartRadio in West Palm Beach, Florida. We're now streaming on
the iHeart app. This is the Best of South Florida Business,
one of our weekly radio programs. I'm Robbed from the
Greater South Florida Chamber of Commerce. With me is corporate
Trustee Ambassador Steven Sunshine, who's the president of five Star Visibility.
(31:44):
They are the preferred digital marketing company for the Greater
South Florida Chamber of Commerce, and they're doing a free
digital marketing evaluation for our members and people within our network.
Leak it out of the way. I'm gonna let Steve
talk about social media and the importance of social media.
So many small businesses are all over the map when
it comes to small social media, and if you do
(32:06):
not have the proper platform set up for social media,
you're going to be treading in water constantly. You're going
to be in the deep end of the pool. As
Grandpa used to say, somebody get out of the way, Steve,
and let you get right into it.
Speaker 5 (32:19):
All right, Thank you so much. Rob and I look
forward to Thanksgiving in the holiday season and wish everybody
the best for their family and their holidays. Let me
introduce myself. My name is Steve Sunshine. I'm the president
of five Star Visibility here in Fort Lauderdale. We're on
Cyprus Creek just about the block or two west of
(32:39):
ninety five. So we are a local company serving local
small businesses and helping them find more customers, do better online,
and deliver profit and results. So today's subject is brought
up is social media. This is one of the most
challenging of all the aspects of your digital marketing. One
(33:00):
very simple reason. Anybody can do social media, but to
do it right means you have to have a plan.
You have to have a vision, and you have to execute.
If you don't have a plan and vision, then you're
just throwing stuff against the wall, spaghetti on the wall.
See what sticks. There is a benefit to that as
compared to not doing anything doing you know, a half
(33:23):
job is better than no job at all on social
media because you just want to grease the wheels of
Facebook and Instagram and all the other platforms. But to
create a plan that brings value for engagement and for
your target audience so you can get seen, you expand
your reach, and then you get clicks and results. You know,
(33:45):
it's all about results. So to build a proper social
media plan, you have to understand who your target customers are.
You know, if you're trying to reach kids, you probably
should be on TikTok. If you're trying to reach adults
moms and such, probably Facebook. If you want teenagers and
young adults, maybe Instagram. If you want business professionals during
(34:09):
work hours, maybe LinkedIn. You see, each platform has its
own pluses and minuses. It's good to get on all platforms,
but your expectations have to be measured based on where
your audience is. The general rule or the bottom line
for social media is you need to be where your
(34:29):
customers are. So if they're not coming in your door,
where are they are they visiting Facebook or they're hanging
out there all night long, and you need to interrupt
their sessions and say, hey, look at me, I'm a
good business here in South Florida. So you have to
have a plan. So that's the first strategy. Second, your
posts have to have some sort of strategy to be
(34:52):
able to deliver the right messaging. You don't just want
to post twelve pictures of your cute dog fighting with
your cat. You know you can get some virality out
of that, But is it driving an eyeball to your business?
Is it giving you potential opportunity for growth in your business?
If not, then you know it's entertaining and it's fun
(35:13):
and distracting, but it's not productive. So for your business,
first thing you need to do is where are my
people hanging out? Let's assume they're in Facebook? Okay, So second,
what can I deliver on Facebook through the tools that
they provide me that will be engaging, insightful, educational, entertainment
(35:36):
based maybe, but beneficial to the reader. If you don't
bring any value, why would anyone value your business? So
if you're a plumber, maybe you do twenty four tips
on how to keep your house running tiptop shape and
not have to call a plumber. So if a plumber
(35:58):
does those types of posts, twenty four different posts and
educates the world, if someone does need a plumber, maybe
they'll consider them because they've been providing engagement and information
and benefit all along until the moment the day that
you need a plumber. And now you say, what was
the name of that plumber that kept on doing those tips? Oh,
(36:19):
it was Steve and Rob's Plumbing Service. Let me give
him a call. So not every customer needs you every
single day, but you can post every day or ten
times a day, or once a month. Your strategy is
your strategy. You know, there is no reason to think
that if I post once a month, everything's good, or
if I post once a week, everything's good. It's based
(36:42):
on the results that you achieve, based on the value
you're posting. If you're posting the plumbing tips and people
are clicking on it and commenting and sharing it, and
you're getting engagement and people are reading it and your
followers are growing, then you're providing a good service, good
name recognition, and people are gonna understand that Steven Robb's
(37:04):
Plumbing Service is probably a good deal. Right. So if
I do need one, or I know somebody who needs one,
I'm gonna say, hey, I've been seeing this stuff from
Steven Rob's Plumbing Service over and over again. You need
a plumber once you give them a call. That's how
marketing works. It's repetitive. It has you have to see
it multiple, multiple times. And the timing has to be right.
(37:25):
So one of the things that people always ask me is,
you know, do I do posts? Do I do videos?
Do I do stories? Do I do reels? And the
answer is always yes. You know, you need to test
all the different tools you have in your toolbox to
see what your audience resonates with and on the surface,
you know, stories and reels. You know, videos are more
(37:49):
engaging than posts because people scroll down their timeline and
see one thousand posts tonight, and they're just scrolling till
somebody stops them in their track. And it's usually a
cat fighting with a dog or a baby, you know,
crying something and being funny. But business posts are more challenging.
(38:10):
You have to get some attention. So if your posts
are boring, or they're off topic, or they're not beneficial,
you're not going to do much. But if you have
a story or a real that gives value and some
help and some insight to your expertise and your value
as a company, then you have a strategy. Let me
(38:33):
give you another real world example. If you're a let's say,
a homebuilder or a roofer or a window supply company,
your before and after photos is what's going to energize
and excite a potential customer. Hey, that looks like my
old crappy house with bad windows. Oh when they put
the new windows in, Look how great it looks. Let
(38:54):
me call that window company because they obviously can do
the job. You can see them and after, and that
might win over their attention. You know, if a ten
thousand people see you're before and after window photograph or
video or story, you know, maybe one or two or
three or four might be in the market someday and
(39:15):
maybe you'll connect with them. So the content is king
on social media, planning, strategizing, looking at the insights and
the analytics to see what's working, double down on what's
the good stuff, and kind of reposition or repurpose the
bad stuff or get rid of it, you know, and
try to find your company's voice. Are you talking in
(39:38):
your posts and your text and everything in a comical way,
in a lighthearted way, or in a very serious manner
because you're a doctor, or in a very helpful manner.
You have to have a company voice. So to summarize
strategy is challenging. Let five Star Visibility help you with
your social media. Contact me Steve Sunshine. You can call
(39:59):
me to at nine five four two eight nine five
five five five, or go on our website five Star
Visibility dot com five with the number five, or just
give Rob a call. Everybody sees and loves Rob, So
give Rob a call, say hey, I need some marketing
help and we'll connect.
Speaker 2 (40:15):
And Steve explained to them how they do the digital
marketing evaluation as well. My friends.
Speaker 5 (40:20):
Sure. One of the things that we're offering through the
Chamber is a free digital marketing evaluation. It's about a
thirty point test of your digital footprint online. One of
our marketing experts goes through and checks your socials, checks
your website, checks your Google positioning and ranking, and gives
you a simple report that gives you grades of ABC
(40:42):
DNF so you can kind of understand what a professional
marketing agency values the effort that you put in till now.
There's no obligation. All you have to do is go
to five Star Visibility dot com slash Chamber and order
up a free report. Takes us off, you know, multiple days.
I got a lot of backlog, but it's an extremely
(41:02):
valuable report, no obligation, free and thank Rob in the
Chamber for providing that service for you.
Speaker 2 (41:09):
Steve. I want to thank you. I appreciate you being
with us this morning. Once again, folks. Later today from
noon till five, will be in Miami Springs at the
Miami Springs Community Center for the Holistic Healthcare and Business Expo.
Until next time, Steve, I appreciate it and have a
wonderful Thanksgiving this week. Everyone, Thank you.
Speaker 5 (41:25):
So much, Thank you, bye bye.
Speaker 11 (41:34):
Want your business to shine online? Partner with five Star Visibility,
South Florida's digital marketing agency for small businesses. Located just
one block west of I ninety five on Cypress Creek
Road in Fort Lauderdale. Five Star delivers full funnel digital strategies,
creative that converts, and smarter spending for better ROI right
now get their Google Business Profile marketing package for just
(41:55):
three ninety nine a month and save three hundred dollars.
Visit five Star Visibility dot com today. Hey, that's the
number five Star Visibility dot com. We're performance meets results.
Speaker 2 (42:05):
Good morning, welcome back to the show. It is Saturday,
November twenty second, twenty twenty five. My how the year
has flown. We're coming upon Thanksgiving in Easter. I'm rob
the director of Operations with the Greater South Florida Chamber
of Commerce. This is one of our weekly radio programs
called the Best of South Florida Business. Later today, from
noon until five, we're going to be out at the
Miami Springs at All Community Center for the annual we
(42:26):
do it actually monthly, the Holistic Healthfare and Business Expo.
With us this morning is John Kroll from Crow Really,
who is the board president of the Greater South Florida
Chamber of Commerce. Our motto as we roll with Kroll, John,
I want to get right into it today. I want
to talk a little bit about Crow Really. You've been
around since nineteen fifty one. Your folks, Karl and Irene
founded it. You have over seventy five years as a
(42:47):
boutique family held real estate company. You do everything from
real estate investments, seminars and workshops. You worked at the
Trump Institute, you have a property management arm. You do
commercial real estate. You're working on stuff up at the
Treasure Coast, and you're also doing a lot of refro business,
helping people buy and sell homes now for people. If
(43:07):
you go to the website, Croll REALLYY K R O
L L R E a l t Y. You're going
to find out some things about the dream home Finder,
tips for buyers, homeowner information, titling esco information, mortgage information,
and mortgage rates. It's very very important. And then obviously
if you're looking for someone you know people who are sellers,
(43:29):
you want probate information, free market analysis, tips for sellers,
resources like new construction, schools, relocation, weather, real estate glossary,
and improving your credit score. Touch on what you're seeing
out there. I mean, so many people are like, oh,
the bubble burst, things aren't where they were, the mortgage
rates are too high. What's your take on the whole thing?
Speaker 12 (43:51):
Yeah, Rob, thanks for having me on.
Speaker 2 (43:53):
Always a pleasure to talk to you.
Speaker 12 (43:56):
Yes, definitely. Yeah. I just rolled out a new on
the dropdown when you go to the website, there's a
more section at the top. There's a hyperlink you drop down,
and I just added a improve your credit score, which
people underestimate your credit score because that is very important
(44:18):
in the purchasing aspect of real estate, and so a
lot of people just overlook that and they don't keep
your score straight, meaning that you know your score is
going to help you buy a home that you might
want to look at a home that's a little bit
more than your budget, but your score might put you there.
(44:41):
If it's lower, it might not. So those are things
that are important. So that's one of the links I
just added on there. It's really cool. You can go
in there and open it up and sign up. And
matter of fact, the girl that it's part of the chamber,
Pam Capucci. I don't know if I'm pronouncing her name,
but yeah, yeah, that's their links. So they're they're rolling
(45:05):
stuff out with the mortgage company. So that that was
really that's one thing good about the chamber with the
with connecting with people too as well. But again staying
on topic with with the site. The one thing people
don't understand when they search, people collect their information and
(45:26):
you get people contacting you, where my site is the
only way I contact you. You if you reach it
back to me, So if you want to do a
chat or send me a message, I'll get back to you.
But there's a lot of good resources on there, so
you know, just like general resource information like schools and
(45:46):
whether you know, you got your real estate glossary where
you can go to any topic that you're thinking about
in real estate you can go on there and click
on and find out information that would be very helpful
for you.
Speaker 2 (46:00):
That's really that's important. That's very important.
Speaker 6 (46:05):
Yeah.
Speaker 12 (46:05):
The thing too because I don't you know people, I've
been doing this for a long time, so I see
what irritates people and like for instance, like if you
go on Google and you search a home and put
watery on the water and you want a deep waterhouse,
you get on there, you're going to get hit with
about so many phone calls because what happens is that
(46:27):
information is sold to all the realtors and so then
your information, you're going to be contacted by a number
of agents. That's just the nature of the business. So
and you're basically not even getting into the listing agent.
You're getting to a broker that's paid for a service
that is able to access their information as when they
(46:51):
go on to the website where my side, if you
go on to it royalty dot com, you can search
all those properties. I have the same feed IDXB that
has all the listings of any brokers. So you know,
if you want a search on air and you find
something that's interesting or if you need help on your search,
I can critique it You can also set up your
(47:13):
own automatic search where it will notify you when a
property comes up in you know, a neighborhood that you're
looking in, price point, square footage, garage, waterfront, all that stuff,
school districts. It's really cool.
Speaker 2 (47:29):
That is important because you definitely want to make sure
if you're purchasing a home that you're buying in the
right area. And obviously, if you're selling a home that's
in the right area versus an area that could be
urban blight, it's going to be a little easier to
sell a home in a good area than it is
in an area that, you know, I'm not to say
that could be in one of the Opportunities zones or
(47:49):
an area that's being gentrified, like a perfect example. I've
I've heard you talk about it. You know, money's made
on the buy side, not on the cell side. And
I saw from like twenty eighteen through twenty twenty three
one of the areas that seem to be a hotbed
for people buying stuff and making money off of it
on the buy side was Pompado Beach and some of
(48:11):
the surrounding areas correct.
Speaker 12 (48:14):
Correct, Yes, yeah, and that that is so true too.
People don't realize that. You know, as you own a property,
you pay down your mortgage, and when you advertise a loan,
if you stayed in at ten fifteen years, you're basically
(48:34):
at the term of the end of your loan. You're
paying basically all principle. So everything you're doing, you're building equity.
So it's even it's like money in the bay. So
people don't realize that. And you have an asset at
home that's appreciated so much over the years. I mean,
I look at people that I've sold property to and
I've been doing this for forty six years, and you know,
(48:56):
people that have sold their house ten years later, fifteen
years later making almost double what they bought the house for.
Depends on areas, but you know, it's a great investment,
you know. And so anybody out there renting, you know,
give me a call. Maybe I can help you structure
a deal to buy a house. And look at your
(49:17):
whole picture, and you know, look at the opportunities. Talk
to your accountant. The account will tell you to buy
the house.
Speaker 5 (49:26):
Instead of renting, Yeah, they will.
Speaker 12 (49:30):
Because there are things that you have to think about
when you're when you're making an investment. I mean, make
an investment at a rental, you know how it is.
You're you're I'm trying to get you to get squared
away on a property. So hopefully this year we'll find
you something soon.
Speaker 2 (49:45):
Rob, I hope so too, John, I do. It's been
a while, I'll tell you, because there's definitely no there's
no equity in rent, that's for sure.
Speaker 12 (49:54):
I know you're making the landlord rich, that's for sure.
But yes, it's a fun business is helping people, you know,
achieve their goal, their dream, you know, having to navigate
into something that you know, in the long run it's
going to be the best investment they're going to ever make,
which is it's rewarding, very rewarding.
Speaker 2 (50:18):
That is true. That is true, sir. You know, so
we got about a minute left. Share anything else that's
going on that you want to elaborate on, and then
obviously I want you to give out your contact information
so people know the best way to get a hold
of you and anything else that's going on, because I
know you're working on a lot of different stuff up
in the Treasure Coast and you have some other projects
(50:39):
that you do as well.
Speaker 12 (50:41):
Yeah, that's what that's what I do. I'll edit this.
I kind of search around because I got this kind
of when I was working with the Trump Institute selling
and mentory people. But I look at what's going on
in the infrastructure, like roads and new development sites that
they're you know, raw land and what they're going to
(51:01):
be doing with the land. But those are things that
you know. If you want to reach out to me,
you can reach out my cell number. It's ninety five
four four one zero twenty three oh one. Again, like
I said, our website is www dot Crolrealty dot com.
And if you want to get to me how those
are the ways to get to me.
Speaker 2 (51:20):
John, I want to thank you for your time this morning.
Once skin folks, it's been John Kroll, CEO of CROLL
Really located at fifty four forty seven North Federal Highway,
Fort Lauderdale, Florida. It's also the home of the Greater
South Florida Chamber of Commerce. It's also a place where
you can lease our media room if you want to
do your own networking stuff and use our smartboard, and
we have a radio and podcast room that state of
(51:41):
the art as well. Stop buying CS five four four
seven North Federal Highway, Fort Lauderdale three three three zero eight, John,
have a wonderful weekend and God blessed. Thank you, my friend,
Thank you sir.
Speaker 13 (51:56):
Buying or selling your home, contact Croll Realty and Croll
Realty for the best deal. A boutique style real estate
company since nineteen fifty one, Kroll Realty offers Broward and
Palm Beach County real estate experts with unparalleled knowledge and
local expertise just looking. Register at Crolrealty dot com, a
free website without any hassles. Sign up for email updates
(52:16):
on your search criteria, use the resources, and more. Again
that's Krollrealty dot com k r l Lrealty dot com.
Speaker 1 (52:24):
We roll with Kroll.
Speaker 4 (52:26):
Are you tired of treating symptoms instead of solving the problem.
At Pivotal Health and Wellness in Lakeworth, we help your
body heal naturally without surgery or medication. Located just west
of I ninety five on the south side of Tenth Avenue,
we offer free thermal scans and consultations to get you
started discover your key to a better life. Visit Pivotalhealthcenter
(52:47):
dot com or call five six one four three four
forty nine hundred today pivotal health and wellness your key
to a better life.
Speaker 14 (52:56):
Business owners, The Greater South Florida Chamber is now accepting
my memberships. As an online member, your business can create pages, posts,
and comments that add an extra dimension to your online presence.
Direct mail, newspaper and business directories are also available. With
over one thousand current members and one hundred thousand within
the social network, the Greater South Florida Chamber can help
(53:17):
generate business that fits your budget. Call today nine five
four five eight oh eight eight oh two or visit
Greater South Florida Chamber dot com.
Speaker 1 (53:26):
You've been listening to the Greater South Florida Chamber radio
program with your host, Board President John Kroll of Kroll
Realty
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