Episode Transcript
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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 (00:15):
Good morning, Welcome back to the show. It's Saturday, the
twentieth of December. Christmas is right around the corner. Twenty
twenty six is upon this mon Name's Rob. I'm the
director of Operations, I mean with the Greater South Florida
Chamber of Commerce. This is one of our weekly radio
programs called the Best of South Florida Business and with
me as one of our corporate Trustee Ambassadors. His name
is Tony Fejo and he's the CEO of New Health Partners. Folks.
(00:39):
New Health Partners is doing big things in South Florida.
They have an imprint and a footprint throughout the country.
They also have a large footprint in the state of Texas,
but here in the state of Florida. They are major
players that are doing a lot of different things. It's
a hybrid movement and what I want to do, I
want to get right into it this morning. Tony. For
the listening audience, I have a few questions to ask you,
(01:00):
but but before I do, I want you to give
out your proper contact information so people know how to
get ahold of you if they want to reach to
you after this interview this morning.
Speaker 3 (01:08):
Go ahead, Yeah, of course, Thank you Roberts. It's an
honor to be here with you guys, and good morning
to all the listeners. My office number is eight seven
seven nine to one five five one four eight seven
seven nine to one five five one four, where head
(01:29):
Quotera is South Florida. So we're here available during the
entire week.
Speaker 2 (01:35):
You know, I want to get right into it. I
want to touch on some of the different aspects of
what you do, because you're doing a lot of different things.
It's not just health insurance. I know you do property
and casualty. I know that your organization has its own clinics,
its own centers. But I think probably where everybody's concerned
right now as we speak on Saturday, December twentieth, twenty
(01:57):
twenty five twenty, where are we with the enhanced subsidies extension.
I know that's paramount. It's a big thing for so
many people. I'd like you to elaborate on that, sir.
Speaker 3 (02:08):
Yeah, And I'm sure that a lot of the listeners
have been concerned about that, and particularly those that are
in short to the Affordable Care Act. So, Robert, unfortunately,
our lawmakers were not able to cut a deal before
the year ended. We were hopeful that they would. I
(02:32):
was in Washington, DC in September meeting with fourteen different
congressional districts, and we came back quite hopeful that we
were going to have some kind of deal cut last month,
but unfortunately that did not happen. So it looks like
this is not going to go up for a vote
(02:52):
until January. So anyone who purchased insurance for an effective
date of January, your premiums are not going to reduce,
and they will contingent on the subsidies passing or not.
(03:16):
We'll see you will be able to with your agent
readjust your policy to pay for a lower premium. I
wish I would have had better news for you, Robert,
but that's exactly how about cookie crumbles.
Speaker 2 (03:29):
Yeah, it's unfortunate because you and I both know that
there are a large number of people come twenty twenty six,
when as they say, they reconvene, if you will, for
lack of a better grammar, and Washington DC and things
kind of as we turn the page from twenty twenty
five tony going into twenty twenty six. Obviously, you know
(03:50):
there's that period of from Christmas generally through this year.
I guess it'll probably be January twelfth, somewhere in that range.
There'll be a lot of people that'll be out for
the first ten days of the year, as they often are,
and that's country wide. You're going to see that throughout
the nation. For the most part, unless it's retail. They
don't get a lot of people in retail. The don't
(04:11):
get a lot of time off. It's a time that
they work during the holiday seasons. But point being, there's
going to be a lot of people when the page
does turn and it's officially January, people go out, We're
back to it. It's a new year. All those New
Year's resolutions and all those things that they're looking forward
to in twenty twenty six. I can assure you that
one thing people won't be looking forward to are intense
(04:33):
premium spikes. And obviously, you know, it looks as if
that could be a very very good possibility for that
to happen.
Speaker 4 (04:40):
You know, And yeah, it is.
Speaker 2 (04:42):
And I think one of the things people need to
know about your organization though, and I want to elaborate
on this, as I often do when I'm speaking with
your colleagues. The great thing about your organization, Tony, New
Health Partners as a whole associated medical care and New
Health MD. Regardless of what people go to your organization
for what aspect of insurance, they're reaching out about one
(05:06):
of the great things about your company, and kudos and
hats off to you being the CEO. I can give
you credit for this because obviously, as they say, blame
rolls downhill, credit rolls downhill as well, and obviously, when
we're placing praise, we want to put praise on your
staff as a whole through you, because I remember initially
meeting with your team, Budd a year ago. They came
(05:27):
on board with us, and I was amazed at how
quick they were to get back with me. And I
had told a couple of people that work for you,
and I've worked with dozens of people from your organization,
and I want people to know this this morning, when
I say this, and say this wholeheartedly, when we refer
people to Tony and his team, the great thing is
we know they're in good hands because it's a matter
(05:47):
of minutes and hour tops before you're going to hear
from someone. They're going to get back to you immediately.
They're going to respond to the email. They're going to
pick up the phone and call you back, or they're
going to text you. If you text them, you're going
to hear from them. And you and I both know,
and you, being a CEO, you can attest to this. Unfortunately,
in our country, one of the lost arts, and it's
a real unfortunate thing, is customer service. And so many
(06:11):
people complain about health insurance because they don't like open
enrollment because of the lack of customer service that's included
with it, or the new period that starts in January. Well,
I can speak in volumes about new health partners. Tony
and his team are exceptional. They dot every eye, they
cross every tea, and they're going to do what's best
for you. They're looking to do referral business. It's not
(06:34):
a turnstile, you know, it's not a cattle drive. They're
not pushing numbers through. They're dealing with people closely held.
They're dealing with human beings and that's nice to know.
And on top of that, Tony any advice for listeners
worried about their premium hikes. I'm sure you want to
touch on that as well.
Speaker 3 (06:52):
Yes, thank you, Robert, So look, thank you for all
those great things who said all true, all true. The
quality of our team. Uh we we we really love
what we do. Uh we we understand what we do.
I've been doing this for many many years, way many
many years before the Affordable Care Act passed. Uh so
(07:13):
this you know, health healthcare is personal and we and
we we really uh take care of everyone like you know,
I don't It sounds like a cliche, but it's it's
like family.
Speaker 5 (07:24):
It truly is right.
Speaker 3 (07:25):
You know, every single individual that works for us, we
always tell them the same thing. Imagine that that individual
is just speaking with that your brother, your sister, your mother,
and you know, and and it changes the the the
tonality of a conversation and uh and and it makes
us focus on, you know, what this person needs. Regarding
(07:46):
your question, Robert, what what what I'm telling everyone is,
don't wait until after our our our lawmakers make up
their mind on how they're going to uh uh rewrite
the subsidy extension trying to get in and and and
(08:07):
and obviously a lot of people's rates are doubling.
Speaker 5 (08:11):
Right, So there are.
Speaker 3 (08:13):
Individuals, you know, particularly the older, we get where it
becomes truly unaffordable, I mean truly truly unaffordable without looking
at those exceptions, which are hard. Uh. I tell everyone,
get in with as low a premium as possible as
(08:35):
you as you can afford.
Speaker 5 (08:38):
So that you are ensured.
Speaker 3 (08:40):
And I I am. I'm hopeful and somewhat confident that
because of so many political pressure that that Congress in
the Senate will pass something uh that will alleviate the
(09:02):
previous increase. But you must have coverage now. I think
that they might create what's called a special enrollment period
where folks might be able to enroll throughout the entire
year if they qualify for this exception based on the
on the rate confusion. But I want to I want
(09:23):
to say something to the audience, particularly those that are
following this closely. The rates are not doubling or increasing
this year. The rates have been high for the since
the very beginning.
Speaker 5 (09:40):
Uh.
Speaker 3 (09:41):
It's just that because we had enhanced subsidies and people
under the Affordable Care Act within a certain degree of income,
we're receiving more help from the federal government to pay
for the premiums. But it's not it's not like the
premiums doubled from one year to the next. The premiums
(10:02):
were high already. But to answer your question again, we're
telling everybody, get in, get in with a bronze plan,
get in with whatever you need to do to afford
so that when the enhanced subsidies come in, you're able
to make any switch that is important to your health
(10:26):
and to whatever care you're receiving, because it's mostly what
we're all concerned about is folks that are managing chronic
and critical conditions that require top notch coverage. And as
an aside, the Affordable Care Act as a whole, and
this can be a whole other conversation, and we can
have as about the time, did a lot of goods
(10:48):
for the country of you know, folks getting friends for food.
That is true, that are pre existing conditions. However, there's
nothing affordable about the Affordable Care Act. And that's a
whole and that's a bigger conversation because you know, as
a whole, even the most least expensive coverage on the
(11:13):
Affordable Care Act, god forbid, you have a a dramatic
situation that requires millions of dollars in coverage. You are
going to get it no matter what plan you have,
whether you have the least expensive plan or the most
expensive plan, you will be covered via the fine print footnotes.
(11:33):
The in betweens is how much money is a consumer
fronting before the coverage kicks in. And that's why you've
heard Senator Cassidy from Louisiana and some other folks saying, hey,
we want to fund ah say, accounts for average Americans
to be able to help them withstand some of these
(11:57):
payments up front before the insurance kicks in, but overall.
And I'm sorry that I've I've given you an extremely
complex answer to every simple question. But I want, I
want the audience to understand. And and I'm an insurance nerd.
So if anybody listening, everyone wants to geek out on insurance,
please call and UH and leave a message. Hey, I
(12:19):
want to geek out with Tony on insurance, and I'd
be more un happy to call you back.
Speaker 4 (12:22):
Perfect.
Speaker 5 (12:23):
I love this stuff.
Speaker 3 (12:24):
I love this stuff. But anyway, get insured, get get in,
get in and get something so that you're not left out.
Speaker 2 (12:29):
Okay, hey, Tony, real quickly, we got about three minutes
left before we you answer this question, make sure you
give out your contact information once again, and do it
at the end of the answer to the question what
is the I A thing I keep hearing about the
I c HR?
Speaker 6 (12:45):
What is that?
Speaker 2 (12:45):
Can you touch on that?
Speaker 3 (12:48):
Yes, that that's a super cool movement. It's a regulation
and and and I'm calling it a movement because it's
gotten by partisan support, including from the including the Center
of Medicare and Medicaid Services, which regulates healthcare in the
country with HSS. So AKRA is a regulation that almost
(13:08):
made it into the big Beautiful Bill, but they kept
it out, which and allows business owners to instead of
using traditional group coverage, to let their employees take a
plan from the marketplace, which is the Affordable Care Act.
It's catching on on fire all over the country. It
(13:31):
is going to end up being an all certainty. How
forty million people in this country over the next five
to seven years get their coverage. So all small business
owners not just in South Florida but all over the
country who are either looking to offer employee benefits for
(13:52):
retention or when I get a second look at what
they're paying now and compare it to AKRA, is a
fantastic opportunity to jump in because it essentially freeze up
the business owner from ever having to worry about dealing
with a traditional group plan.
Speaker 7 (14:11):
Again.
Speaker 3 (14:13):
I'll repeat my phone number for the listeners, Robert. It's
eight seven seven nine to one by five one four
eight seven seven nine to one by five one four.
My email is Tony t o ny at New Healthpartner
dot com. That's that's singular and Merry Christmas, Happy holidays
(14:36):
to all your listeners. Robert, thank you so much for
being a supporter of us. We appreciate everything you guys
do for us and we're here to serve in any
capacity with everything.
Speaker 6 (14:46):
That we do.
Speaker 2 (14:47):
Tony, thank you so much you as well. We're looking
forward to continuing to work with you on your team
in twenty twenty six. Once again, folks, it's been Tony Pehl,
the CEO of New Health Partner. You definitely want to
reach out to he and his team. You'll be in
good hands. Be the best move you've made regarding your
insurance needs. Once again, Merry Christmas, Happy New Year's. Look
forward to seeing you in twenty twenty six, and have
(15:08):
a great weekend.
Speaker 3 (15:08):
Tony, thank you, Robert says to you and your team.
Speaker 8 (15:16):
Business owners, are rising healthcare costs cutting into your bottom line?
Are you struggling to keep top talent without offering health benefits?
At NHP Growth, they make employee health coverage easy, affordable,
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(15:38):
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a better benefits plan together, NHP Health.
Speaker 2 (15:48):
Good morning, welcome back to the show. It is Saturday,
the twentieth and December. Folks, Christmases upon us. Before you
know it, it'll be twenty twenty six. I'm Rob the
director of Operations with the Greater South Florida Chamber of Commerce,
one of my everybody. Later this morning, from ten am
to three pm, will be out at Miami Springs for
the annual Miami Springs Farmers Market right there at two
oh one Curtis Parkway. We have about forty or fifty
(16:10):
vendors out there with us, Stop on buy with us
as corporate trustee. Ambassador Steven Sunshine who's the president at
five Star Visibility. They happen to be the preferred digital
marketing company for the Greater Self, for the Chamber of
Commerce and our members as well as people within our network.
They're offering a free digital marketing evaluation to all of
our new and existing members as well as a select
(16:32):
group of people within our network. I'm going to get
out of the way and let Steve get right into
it this morning, because I want to talk about the
importance of having a strong digital presence on the Internet.
But even more so, I want to talk a little
bit about social media and why so many companies fail
at it, Steve, and how many companies you'd be surprised,
(16:52):
brand name companies, big name companies really don't have a
strong social media presence and the importance of having one,
specifically with everything going on going into twenty twenty six,
it's really a must. It could be a game changer
for businesses.
Speaker 6 (17:07):
Go ahead, my friend, Hey, thank you, Rob, and I
want to wish happy holidays to everybody out there in
a listening audience, and Rob, you're doing a great job.
And really the Chamber is a great opportunity for all
the local businesses in South Florida to really connect with
someone that's a pusher. You know, Rob's going to push
you to do better as a company. And that's the
strategy of the chamber, is to facilitate growth in sales
(17:31):
and success. So thank you Rob for that. You're definitely
helping our company reach more people and get more business.
So today let's talk about social media and the value
of a digital marketing presence. One of the things that
just came to mind is why do people fail at
digital marketing? And I came to the conclusion it's because
(17:52):
it's really out of sight. It's hard to touch it,
it's hard to feel it. You can feel the results,
but do you know if your website it's doing good
work right now? Do you know if there's new leads coming.
It's very hard to stay on top of it when
you're still trying to keep the lights on and the
doors open every day for your small business. So you
(18:14):
kind of let the digital marketing aspect go away because
you can't touch it. If you had a sign or
lights that were out in the front of your building,
you'd fix it right away. Hey, this is bad for
my business because I can see it and touch it.
But digital marketing, it's so easy to close an eye
or close both eyes. So my big piece of advice
(18:35):
for the end of this year and next year is
keep your finger on the pulse of your digital marketing.
If you're not moving forward, you're kind of regressing, right
because competitors are trying to do better, The market is changing,
your business is changing, and if you don't have that
constant push of new customers and activity, it tends to
(18:57):
get very challenging. And then when the businesses is slower
than expected, the stress, the pressure, and the opportunities kind
of shrink up with it. So you have to stay
ahead of your digital marketing. And many companies reinvest a
certain percentage each month to their marketing plan. If you're
(19:17):
the type of company that doesn't have a set budget
for marketing, then that's one of the things you should
really consider. You know, if you're bringing in and I'll
just make up fake numbers, one hundred thousand dollars in
business a month, maybe you should be spending five or
ten percent of that back into your marketing budget to
make sure things are moving forward. And that means more
(19:39):
than just having a guy on staff that does your
marketing it's really investing in the right opportunities. With digital marketing,
it's a very fluid situation. There's opportunities that come and go.
There's competitors that come and go. Like if you're doing
paid advertising on social and you know your two big
competitors are advertising every day, and all of a sudden,
(20:01):
one of them stops the opportunity to take their traffic
and take their business that they were stealing from you
because they were outbidding you or out paying for social
media marketing is now a new opportunity. So if you're
on top of your marketing opportunities and your strategies and
all your data, you know when to double down, you
(20:22):
know when to slow up or shift gears. But if
you don't have your finger on the pulse, you need
a company like ours or similar that'll do this for you.
And what I'd like to really state is that if
you hire somebody to be your marketing guy in house,
you're paying them four five six seven thousand dollars plus
(20:42):
overhead a month. Digital marketing from a company like ours
is a third of that, and you get experts in
the field who focus and know how to take the
shortcuts and to optimize things where your guy in house
might know a little bit about a lot or a
little bit about a little and you know he's just
(21:03):
not getting it done or she's not getting it done
because that's not their expertise. They're there to put out fires.
And what happens with internal employees, they're pushed to whatever
job needs done that day, and it might not be
their main core function. Like digital marketing, it's like I
need you to work to counter today, I need you
to work the cash register, I need you to unload
the truck. It's just another body that you steal from
(21:27):
your marketing budget to do other things. And that's you know,
that's fair. Businesses have to stay in business. But digital
marketing is a commitment. And you know, my big philosophy
at doing this for thirty plus years is you earn
what you get. There's no tricks, there's no shortcuts. You
earn what you get. So if you're doing good marketing
(21:47):
work and you have a good product and a good
service and good reputation, you earn traffic from Google, or
you earn business from your competitors. You don't just get
it because you're a nice guy or that you're on
this street or that street, or you have a good
product inside your building, you have to earn it through
all the different.
Speaker 2 (22:08):
Channels and for people out there in the listening audience
that Steve had taught me this some months back. But
really what he's talking about is promoting brands, products or
services using online channels digital tech, websites, social media, search
engines email to connect with potential customers to bring in
more revenue, build brand awareness and drive sales through targeted,
(22:30):
measurable campaigns. And five Star Visibility is the best at
that that I know of. They're the preferred company for
the Greater softworda chamber of commerce. They do it better
than anybody I know of, and they do it for
companies with one to five employees. They do it for
companies with five thousand employees, and they have hundreds of
employees nationwide. Steve is the direct connection for us and
(22:52):
you can reach him by going to five Star Visibility
dot com. But he'll give out the contact information again.
But I want you to know that it's a game changer,
it's a life changer for a business owner. You really
want to take advantage of the digital marketing evaluation. If
you're part of our network or a member. It's free
and they're going to lead you to the promised land.
I didn't want to take up too much of your time, Steve,
(23:14):
but sometimes we've got to break it down into the
basics because there's a lot of people out there that
do not understand technology. And that's what digital marketing is.
It's technology.
Speaker 5 (23:24):
Go ahead, sir, yep, it's yep.
Speaker 6 (23:26):
It's using the right channel to get your message out
to the people at the right time. It's always, you know,
the right message to the right people at the right time.
If you are a roofer and a storm just goes through,
business should pick up. If you're a restaurant and it's
(23:46):
Friday night at five o'clock, people trying to decide where
to go eat, it's a good time to do some
marketing at that five to six o'clock hour, you know,
so you know, you can always go back to football games.
Why they show so many people Hut and Domino's commercials
during the four o'clock to eight o'clock game, it is
because that's when people are deciding to get food. They
(24:07):
didn't do it by accident. They have a plan, and
that's the key to digital marketing is a plan what
we do as a digital marketing company here in Fort Lauderdale.
We're right on Cypress Creek Boulevard, one block or two
west of ninety five on Cypress Creek. We're in the
Amirk Bank building, you know, right there on the south
(24:29):
side of the road. You can reach our website at
five Starvisibility dot com. The number five Starvisibility dot com.
I will be happy to talk to you answer your calls.
Our phone number here is nine to five four two
eight nine five five five five. And what we are
offering through the chamber is a free digital marketing evaluation.
(24:53):
This is something Rob and I came up with because
we saw a need that small businesses don't really understand
if they're doing and good or bad, So we came
up with this. It's about a thirty point check of
your website, of your social media, of your Google presence,
of your Google Business profile, and we review it with
a expert digital marketer. It's not a program that we
(25:15):
run or chat GPT or anything. It's we look at
it and use our professional expertise to say this company
has some challenges or are doing certain things right, and
we give you a printed pdf report with a simple
abcd F grades and about thirty different metrics for you
to review, and we give you some suggestions on what
(25:38):
you can do for each one of those metrics, and
then we'll sit down with you or have a zoom
call with you and answer your questions and go over
the report, all free, brought to you by the Chamber.
Very good friends at the Chamber. They're really trying to
give people a baseline for them to understand. One of
the hard things to do as a small business is
to really evaluate your good and bad parts of your business.
(26:01):
You usually have blindness. Oh, our business is great, I'm
so proud of it. Everything looks great. But from the outside,
your potential customers, leads and contacts and things like that
may have a totally different opinion because they look at
the competitors, they see the market, they see what the
positive or the unique selling proposition is. But if you
want to take advantage of the free digital marketing valuation,
(26:25):
go to five Star Visibility dot com slash chamber. It's
a simple six or seven box form. Fill it out
and then over the course of the week, one of
our digital marketing experts will review all your stuff, send
you out some information, invite you to a zoom call
and you can get a benchmark and say, you know what,
I didn't realize that these things are so bad, or
(26:46):
we're doing pretty good here, maybe we should double down
here and find our weaknesses. So it's a good benchmark
report and you get access to me or one of
our digital marketing experts to ask your questions, answer your questions.
We do a lot of the and everybody receives them
in a positive light because they know it's a professional
experts view of how the consumer sees your business. It's
(27:11):
not painted. So go to five Star Visibility dot com,
slash Chamber, or you can give me a call at
nine five four two eight nine five five five and
we'll be happy to help you out. Five Star Visibility.
Speaker 2 (27:22):
Steve, want to thank you for being with us this morning.
Had a wonderful weekend, and then we want to wish
everybody out there a merry Christmas and a happy New Year.
Thank you so much, Steve.
Speaker 6 (27:32):
All right, thank you, Rob, and have a good holiday season.
Speaker 2 (27:35):
Thank you, sir.
Speaker 4 (27:40):
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(28:00):
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Speaker 2 (28:10):
Good morning, Welcome back to the show. It is Saturday,
the twentieth of December twenty twenty five. Christmases upon us
this coming week right around the corner. 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 with Us is one of
our newer members, Michael Mason. He's with My Capital Needs
(28:31):
and they're located at twenty four oh five Quantum Boulevard
and Point in Beach, Florida three three four two six.
His email is Mike m Ike at Mycapitalneeds dot com
or you can go to www dot micapital needs dot com.
Michael want to get right into it. With you this morning.
What types of alternative financing is available for business and investors?
(28:56):
Because you and I both know the banks just aren't
loan of money like they used to.
Speaker 9 (29:00):
That's that's a certainty, yeah, and it seems to be
getting worse and worse, you know as the days go
on for some people.
Speaker 6 (29:08):
Now.
Speaker 9 (29:09):
As far as the business aspect, there's the business owner.
What we've been seeing a lot of you know, your
more retail type stores, traditional like merchant cash advances have
become very popular. That downside to them is they're a
little bit of a high risk, you know, so they
come with a high interest rate and it's a simple process.
(29:33):
They just look at what the business is doing and
they base the revenue what they can loan on the
business revenue doesn't take the person into considerization. They're relatively
fast loans. Credit doesn't come into play as much, and
they say, hey, here's the term, we'll pay it back
(29:53):
in six months, and this is what we can lend in.
It usually happens relatively quick. They're great type of investing
for I'll give you a perfect example. I had a
gentleman who does custom byite parts and he's an online
only and got invited to a trade show. He needed
to order about thirty thousand dollars worth of parts to
(30:15):
sell them live. And because he didn't keep him in
an inventory, it was great. He knew he was going
to borrow the money. He got forty thousand dollars really quick,
went in, sold everything and was able to pay the
loan back before he had to pay all the interest.
It was great. He had some credit challenges. Those are
the perfect types of loans for people in those types
(30:36):
of situations. And then on the real estate side, we
see a lot of asset based lending. You know, you're
looking to buy a building, You've been in there for
a while, you want to buy it. Most of the
stuff that we're doing is just looking at the building,
the revenue and how much it's called a debt service.
(31:00):
As long as the revenue from the rents and can
cover the taxes and insurance. They base it on that,
not the business, not the owner, not anything like that.
And that goes as well for people who are looking
to do fix and flips, all kinds of stuff like that.
I even have if you buy a lot of commercial
property and rehab them and sell them. You know, a
(31:22):
single family home, multi family home a line of credit
and you can use your four to oh one K
funds as I wouldn't say collateral, but the dollars to
qualify for a line of credit, and you're usually getting
about five times what it is. So you've got half
a million dollars in a retirement account, you could get
(31:45):
up to two million dollar a line of credit based
on that sex and flips.
Speaker 5 (31:50):
That's awesome.
Speaker 2 (31:51):
Yeah, yeah, Well Mike, what is the type of situation
you would use alternative financing, say over traditional bank? Can
you elaborate on that? But listing audience is lorning.
Speaker 9 (32:03):
Yeah, Typically you're gonna it's gonna be a short time return.
Let you know, you can purchase something you need quick
inventory and you want to pay it off relatively quick.
Then the other big thing on the real estate side,
a lot of what we see the debt service loans,
(32:24):
when they're done under a business name, you know, for
buying real estate and property, don't report to your personal
credit So that's big for a lot of people. You know,
like if you want to buy ten fifteen houses, if
you go to your local bank, they're all using an
FAHA type product.
Speaker 3 (32:41):
Sure where the.
Speaker 9 (32:44):
Type of debt service loans that I deal with are
typically going to report to the business, not you, And
obviously there's a higher interest rate for that different requirements,
but the fact that it doesn't affect your personal credit.
You know, you go to buy your own personal home,
now you might have a DTI issue with four loans
on it.
Speaker 5 (33:05):
That's true, you know.
Speaker 9 (33:07):
So those are those are the Those are the two
main types of reasons that I say, what do you.
Speaker 2 (33:14):
See out there as a whole as we come out
of twenty twenty five, we're going into twenty twenty six,
What are a couple of things, key things that you
would want people to be aware of and be alert for.
Speaker 9 (33:24):
Ye I think the biggest thing, although there's alternative financing.
Rates are definitely changing, not only in the personal line
type stuff, but that also rolls over into alternative financing.
You know, I've already seen it. A couple of my
debt service loans just in the past month have gone down,
(33:48):
you know, fifty basis points, you know, so that's a
half a percent, and that you know, your personal stuff
is going down as well. So if we keep seeing
the rate reductions over the course of the next year,
you know, that's what the current administration feels like they're
going to try and do. It will slowly affect the
(34:08):
business lines as well. So the key is, you know,
trying to keep your credit as high as possible because
a lot of these alternative financing, the higher your credit is,
the lower rate you're going to get as well your
personal credit.
Speaker 2 (34:23):
Yeah, that's a key aspect that a lot of people
need to take into consideration because obviously, I think it's
going to be a little bit different than twenty twenty six.
I think a lot of yeah things.
Speaker 9 (34:33):
Yeah, because if you can if you can use a
hybrid product that will require less documentation, and if you
have good credit, those loans tend to be the same
as going to the bank.
Speaker 2 (34:45):
Correct.
Speaker 9 (34:46):
Now, if your credits, your credit's not where it needs
to be, then you've got to rely more on the
more non traditional products like a merchant cash advance. You know,
they're really just advancing you against future revenue, so it's
not really alone. You know, they're buying future revenue at
a discount today. I think hopefully, you know, with the
(35:10):
rates lowering, it'll help business owners keep their personal credit
cards low and that'll turn help their personal credit so
they can go back to more of the hybrid type financing.
It's going to be a slow year for next year.
Speaker 2 (35:24):
Yeah, I have a feeling. I have a I have
a feeling it's gonna be a major paradigm shift. I
think you're right. What's what's the struggles new investors run
into with alternative financing.
Speaker 9 (35:38):
Expectations. I think a lot of times you're going to
see they'll you know, everybody's got a YouTube PhD or
somebody's trying to sell the new fancy product and tell you, yeah,
you can do this, you can do that, and that's
the once in a lifetime unicorn type of alternative financing.
(35:59):
You know, hey, get the owner to take back a
third loan and you know, then you do this and
then the bank should give you this, you know, and
banks aren't working that way. So I think the biggest
struggle that new investors would run into is realizing just
because it's alternative doesn't mean that they're going to get
(36:21):
it the way they want it, you know. And that's
the big, big struggle is talking to somebody before you
make commitments, see if what you're looking to do makes
sense to people offering alternative financing I would say half
of my day is explaining that to clients, whether they
work with me or not. It just happened two or
(36:43):
three times today. Person was trying to buy a four
unit of apartment building and that what they were trying
to do, even in the regular financing world, is not available.
So and I felt bad because she had put money
down and her deposits were getting ready to go hard
and I don't know how she did it back. Yeah,
(37:05):
so she Yeah, she's kinda have to do some alternative.
I need help from a family member type thing instead.
But yeah, you can't rely on everybody that's internet guruda
get you to your alternative financing.
Speaker 2 (37:22):
Yeah, you have a strong background this. You've been doing
this for a long period of time, correct, Yeah.
Speaker 9 (37:27):
I come from both sides of the financing. I got
into it from using it. I was typically you know,
I've done fix and flips, I've owned rental properties, I've
owned multiple businesses, you know, so if I wasn't personally
doing an MCA or looking for a line of credit,
(37:48):
so that's kind of it was kind of a natural
transition into it.
Speaker 2 (37:52):
That's good because you're well versed in it and you
know that you know that you know the industry inside
and out, so that for you, that's good win win.
And obviously I can tell you, yeah, you're well versed,
you know what you're talking about, and you have the
proper personality because I would say that with what you do,
patients would have to be a virtue because obviously people
who always think the grass is greener on the other
(38:13):
side until they get there to say no, not necessarily.
Speaker 9 (38:17):
Yeah, and like yeah, my grandfather used to say the
grass is always greener until you got to start bowing it, correct.
Speaker 6 (38:24):
I like that, it's all the same.
Speaker 9 (38:27):
Yeah, yeah, that's for sure.
Speaker 2 (38:29):
Well let's you know, we got a couple of minutes left,
let's do a recap again, you know, and the different
types of alternative financing available that you offer, and then
anything else that you want to share with the listening
audience how you feel you may be of help to
them if they're looking to do certain things go ahead.
Speaker 9 (38:45):
Yeah, So from the business owner's standpoint, we definitely have
a merchant cash advance. Oh one other thing, if you
do have halfway decent credit, we have a and this
is great for new startup companies if you're looking to
do startup company. We have a program it's called credit
card stacking. And what that program does, if you've got
(39:08):
at least a six to eighty credit score, we have
banks that can simultaneously approve you for true business credit cards.
Cards that don't report to your FIGHTO score. They report
to your dun and Bradstreet number. So that's everything. Every
business should have their done and Brad Street number set
up and don't let the bank do it for you
(39:28):
so this way you know it's correct and that's basically
your credit file for your business. So the credit card
stacking program is great for startup companies. If you're looking
to startup, you can. I've seen clients get as much
as one hundred and fifty thousand dollars and zero interest
credit cards just for a brand new business that was
(39:50):
one day old.
Speaker 6 (39:51):
Wow, that's it.
Speaker 9 (39:52):
Yeah, and it definitely you know they're averaging anyways from
six to eighteen months of zero interest, you know, and
you can catch them out, you can you know, use
them as credit cards to start you know, your business
up with. So that's another alternative solution. The nice thing
with that is what we'll do is Okay again, it's
(40:20):
Mike Mason, my Capital Needs and you can reach me
at Wwwmcapital Needs dot com. I appreciate it, Mike.
Speaker 2 (40:29):
I want to thank you for being with us. We're
looking forward to having you on in the future segment
in the very near future. Want to wish everyone out
there a happy holiday once again. Later today from ten
am to three pm, we'll be out at the Miami
Springs Farmer Market at two o one Curtis Parkway. Come
on and buy and see us and thank you again, Mike.
Happy holidays.
Speaker 9 (40:48):
Appreciate it you too.
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Speaker 1 (41:55):
Good morning.
Speaker 2 (41:56):
I'm Rob the director of Operations with the Greater South
Florida Chamber of Coming. This is one of our weekly
radio programs called the Best of South Florida Business, and
it is Saturday, December twentieth, twenty twenty five. Christmases upon Us.
It's right around the corner and with me is Joseph
Joe McCormick, one of our corporate Trustee ambassadors from Dreams
(42:16):
Business Resources. And Joe does a number of things, does
them all well. But for folks out there right now
who will go, wow, twenty twenty five just flew by,
and they're sitting there planning for twenty twenty six. And
if you're scratching the back of your head thinking about
where you're going to get some working capital so you
can expand or if you're looking for different ways to
(42:37):
improve and grow your business or improve your standing as
an employee within the business that you work for, let
me get out of the way and let Joe tuch
on a couple of different programs R and D like
I want to touch on all those different things, because
before you know it, it's going to be twenty twenty six, Joe.
And obviously things are moving in a quick fashion, if
(43:01):
you will, and there's a lot of moving parts. Still
too much negative noise out there for my liking, but
that's why I choose to block it out. Glass has
got to be a quarter of the way full, not
three quarters of the way empty. But folks, if you
are in dire straits and you're looking to do something
to improve your standing as a small business owner, there
are several programs out there that you may not be
(43:23):
aware of that are still active and I want Joe
to touch on those.
Speaker 5 (43:26):
Go ahead, Joe, Hey, Rob, thanks for the introduction again.
My name is Joe McCormick. I'm with Dreams Business Resources.
That's exactly what we do. We provide. We're a B
to B with resources. Now, I'd like to talk about
three if I could yep, sort of give you the
thirty thousand foot view. And you know, if it's okay
(43:47):
with those business owners out there, all three, we'll put
money in your pocket, two of them at zero net costs. Now,
the first one is, since it's the end of the year,
is the Research and development R and D tax credit
that is available to businesses any size who have a
product or a process that they improve upon or try
(44:10):
to improve upon. Now, this money has been available, this
program has been available since the eighties. Large, large sums
of money are left on the table each year. Reason
rob a lot of companies don't think they qualify for
the R and D tax credit. And another one, sadly
is that the CPA and accountants just flat out don't
(44:31):
know how to do it. It isn't easy, but we
have a proprietary software that does it just about all
for the client. Answer a few questions. The money average
case two hundred and fifty thousand, plenty underneath that amount.
But again, we did a fertilizer company not too long
(44:53):
ago and their R and D tax credit was well
over a million dollar. Excited about R and D, love
to have conversation seven eighty six four zero four eleven
forty two. And the next one I want to talk
about is the FIKA reduction Plan. Now, this is delivered
at zero net cost to a business business owner where
(45:17):
he uses a health efficiency plan, not a water down
wellness plan that these carriers like to throw at you.
This is something that will work with your major META
doesn't replace, it, doesn't interfere with it. We do all
the onboarding. But what's the benefit, Rob. The benefit is
to the business owner a six hundred dollars real dollar
(45:38):
savings per employee per year in fik A reduction. The
employee themselves, at no cost to them, will see an
increase in their pay anywhere from one hundred to one
hundred and twenty five dollars depending on where you live.
This is a great plan. Again, it's sort of like
the first line of defense for your major medical. It'll
(46:02):
help keep the claims down. So the employees that I've heard,
they just love it. There's no paperwork, there's no forms
to fill out or anything like that, no deductibles. Great
great plan, the fight A reduction plan, and the last one,
and you know, Rob, you and I were talking about
this a couple of weeks ago. Money's tight out there,
(46:26):
the banks aren't lending. We have a company that does
business lending fast, very very fast. Money can be in
your account in twenty four hours. We can do loans
up from two thousand to two million. There's no financial
report that you have to turn in, no long drawn
(46:48):
out applications. They don't even look at your fight A score.
What they want to see, ROB is positive cash flow
every month. And so if you have an opportunity out there,
or there's material reality you want to buy and you
don't want to miss out it's on sale, whatever, and
you need some scratch, give us a call seventy eight
to six or four eleven forty two and real excited
(47:12):
about all those ROB.
Speaker 2 (47:14):
Yeah, you should be. I mean, that's a lot, a
lot of moving parts, a lot of things going on,
and obviously you have to nail on the head. They
are not lending money out there right now, and I
don't anticipate that to be the case at the beginning
of twenty twenty six either. I think it's one of
those things where people are definitely gonna have to dot
their i's, cross their t's. And his grandma and grandpa
(47:35):
used to say, beyond your best behavior, and watch your
p's and q's because you know, save and save your pennies,
save your pennies right before they quit making them. Because
I kid you not, It's like a penny earned is
a penny saved, is a penny earn. This day and age,
a lot of stuff happened out there. Well, you know,
what's your take on it, Joe. You think things in
(47:55):
the twenty twenty sixth calendar year, think at some point
they'll open up a little better. You think it's going
to continue to be close to the best as it
has been for majority.
Speaker 5 (48:03):
Of this year. I just think we're in for a
great twenty twenty six I just think everything's going to
start kicking in. I don't really care what side of
the aisle you're on. I'm with you, Rob. The glasses
half full, It's always half full. We live in the
greatest country. We're going to have the best economy. I
(48:24):
believe the four oh one case are going to be
kicking up. So I just believe that our economy is
headed in the right direction. We've got more and more
jobs that are being created. It's just my take and
I and I just I just really really feel good
about twenty twenty six all across the table.
Speaker 2 (48:45):
Yeah, and I think that that should be the case.
I'm with you on that. I'm hoping that that will
be the case. But what I you know, I just
don't want to see the continued lack of optimism. You
know which one what's the opposite is the negative and
we definitely don't need the negativity. And that's just not
where it's at. But once again, Joe, what I want
(49:06):
you to do is let people know how they can
get a hold of you in case they want to
reach out to you to do a consultation. And we
look forward to having you on from many future segments.
Speaker 5 (49:15):
Go ahead, sir, many thanks Rob again. My name is
Joe McCormick with Dreams Business Resources. I can be reached
at seven eight six four zero four eleven forty two
seven eight six four zero four eleven forty two and Rob,
I hope we get to talk real soon.
Speaker 2 (49:35):
We will, my friend. Thank you very much, and have
a wonderful weekend. Once again, everybody. Late later today from
ten to six and tomorrow from ten to six, come
on out to the Point and Beach Mall for the
annual holiday home Show.
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Your vacation Your Way Business owners, The Greater South Florida
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Call today nine five four five eight oh eight.
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Eight oh two or visit Greatersouth Florida Chamber dot com.
Speaker 1 (53:26):
You've been listening to the Greater South Florida Chamber radio
program with your host to 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 (00:15):
Good morning, Welcome back to the show. It's Saturday, the
twentieth of December. Christmas is right around the corner. Twenty
twenty six is upon this mon Name's Rob. I'm the
director of Operations, I mean with the Greater South Florida
Chamber of Commerce. This is one of our weekly radio
programs called the Best of South Florida Business and with
me as one of our corporate Trustee Ambassadors. His name
is Tony Fejo and he's the CEO of New Health Partners. Folks.
(00:39):
New Health Partners is doing big things in South Florida.
They have an imprint and a footprint throughout the country.
They also have a large footprint in the state of Texas,
but here in the state of Florida. They are major
players that are doing a lot of different things. It's
a hybrid movement and what I want to do, I
want to get right into it this morning. Tony. For
the listening audience, I have a few questions to ask you,
(01:00):
but but before I do, I want you to give
out your proper contact information so people know how to
get ahold of you if they want to reach to
you after this interview this morning.
Speaker 3 (01:08):
Go ahead, Yeah, of course, Thank you Roberts. It's an
honor to be here with you guys, and good morning
to all the listeners. My office number is eight seven
seven nine to one five five one four eight seven
seven nine to one five five one four, where head
(01:29):
Quotera is South Florida. So we're here available during the
entire week.
Speaker 2 (01:35):
You know, I want to get right into it. I
want to touch on some of the different aspects of
what you do, because you're doing a lot of different things.
It's not just health insurance. I know you do property
and casualty. I know that your organization has its own clinics,
its own centers. But I think probably where everybody's concerned
right now as we speak on Saturday, December twentieth, twenty
(01:57):
twenty five twenty, where are we with the enhanced subsidies extension.
I know that's paramount. It's a big thing for so
many people. I'd like you to elaborate on that, sir.
Speaker 3 (02:08):
Yeah, And I'm sure that a lot of the listeners
have been concerned about that, and particularly those that are
in short to the Affordable Care Act. So, Robert, unfortunately,
our lawmakers were not able to cut a deal before
the year ended. We were hopeful that they would. I
(02:32):
was in Washington, DC in September meeting with fourteen different
congressional districts, and we came back quite hopeful that we
were going to have some kind of deal cut last month,
but unfortunately that did not happen. So it looks like
this is not going to go up for a vote
(02:52):
until January. So anyone who purchased insurance for an effective
date of January, your premiums are not going to reduce,
and they will contingent on the subsidies passing or not.
(03:16):
We'll see you will be able to with your agent
readjust your policy to pay for a lower premium. I
wish I would have had better news for you, Robert,
but that's exactly how about cookie crumbles.
Speaker 2 (03:29):
Yeah, it's unfortunate because you and I both know that
there are a large number of people come twenty twenty six,
when as they say, they reconvene, if you will, for
lack of a better grammar, and Washington DC and things
kind of as we turn the page from twenty twenty
five tony going into twenty twenty six. Obviously, you know
(03:50):
there's that period of from Christmas generally through this year.
I guess it'll probably be January twelfth, somewhere in that range.
There'll be a lot of people that'll be out for
the first ten days of the year, as they often are,
and that's country wide. You're going to see that throughout
the nation. For the most part, unless it's retail. They
don't get a lot of people in retail. The don't
(04:11):
get a lot of time off. It's a time that
they work during the holiday seasons. But point being, there's
going to be a lot of people when the page
does turn and it's officially January, people go out, We're
back to it. It's a new year. All those New
Year's resolutions and all those things that they're looking forward
to in twenty twenty six. I can assure you that
one thing people won't be looking forward to are intense
(04:33):
premium spikes. And obviously, you know, it looks as if
that could be a very very good possibility for that
to happen.
Speaker 4 (04:40):
You know, And yeah, it is.
Speaker 2 (04:42):
And I think one of the things people need to
know about your organization though, and I want to elaborate
on this, as I often do when I'm speaking with
your colleagues. The great thing about your organization, Tony, New
Health Partners as a whole associated medical care and New
Health MD. Regardless of what people go to your organization
for what aspect of insurance, they're reaching out about one
(05:06):
of the great things about your company, and kudos and
hats off to you being the CEO. I can give
you credit for this because obviously, as they say, blame
rolls downhill, credit rolls downhill as well, and obviously, when
we're placing praise, we want to put praise on your
staff as a whole through you, because I remember initially
meeting with your team, Budd a year ago. They came
(05:27):
on board with us, and I was amazed at how
quick they were to get back with me. And I
had told a couple of people that work for you,
and I've worked with dozens of people from your organization,
and I want people to know this this morning, when
I say this, and say this wholeheartedly, when we refer
people to Tony and his team, the great thing is
we know they're in good hands because it's a matter
(05:47):
of minutes and hour tops before you're going to hear
from someone. They're going to get back to you immediately.
They're going to respond to the email. They're going to
pick up the phone and call you back, or they're
going to text you. If you text them, you're going
to hear from them. And you and I both know,
and you, being a CEO, you can attest to this. Unfortunately,
in our country, one of the lost arts, and it's
a real unfortunate thing, is customer service. And so many
(06:11):
people complain about health insurance because they don't like open
enrollment because of the lack of customer service that's included
with it, or the new period that starts in January. Well,
I can speak in volumes about new health partners. Tony
and his team are exceptional. They dot every eye, they
cross every tea, and they're going to do what's best
for you. They're looking to do referral business. It's not
(06:34):
a turnstile, you know, it's not a cattle drive. They're
not pushing numbers through. They're dealing with people closely held.
They're dealing with human beings and that's nice to know.
And on top of that, Tony any advice for listeners
worried about their premium hikes. I'm sure you want to
touch on that as well.
Speaker 3 (06:52):
Yes, thank you, Robert, So look, thank you for all
those great things who said all true, all true. The
quality of our team. Uh we we we really love
what we do. Uh we we understand what we do.
I've been doing this for many many years, way many
many years before the Affordable Care Act passed. Uh so
(07:13):
this you know, health healthcare is personal and we and
we we really uh take care of everyone like you know,
I don't It sounds like a cliche, but it's it's
like family.
Speaker 5 (07:24):
It truly is right.
Speaker 3 (07:25):
You know, every single individual that works for us, we
always tell them the same thing. Imagine that that individual
is just speaking with that your brother, your sister, your mother,
and you know, and and it changes the the the
tonality of a conversation and uh and and it makes
us focus on, you know, what this person needs. Regarding
(07:46):
your question, Robert, what what what I'm telling everyone is,
don't wait until after our our our lawmakers make up
their mind on how they're going to uh uh rewrite
the subsidy extension trying to get in and and and
(08:07):
and obviously a lot of people's rates are doubling.
Speaker 5 (08:11):
Right, So there are.
Speaker 3 (08:13):
Individuals, you know, particularly the older, we get where it
becomes truly unaffordable, I mean truly truly unaffordable without looking
at those exceptions, which are hard. Uh. I tell everyone,
get in with as low a premium as possible as
(08:35):
you as you can afford.
Speaker 5 (08:38):
So that you are ensured.
Speaker 3 (08:40):
And I I am. I'm hopeful and somewhat confident that
because of so many political pressure that that Congress in
the Senate will pass something uh that will alleviate the
(09:02):
previous increase. But you must have coverage now. I think
that they might create what's called a special enrollment period
where folks might be able to enroll throughout the entire
year if they qualify for this exception based on the
on the rate confusion. But I want to I want
(09:23):
to say something to the audience, particularly those that are
following this closely. The rates are not doubling or increasing
this year. The rates have been high for the since
the very beginning.
Speaker 5 (09:40):
Uh.
Speaker 3 (09:41):
It's just that because we had enhanced subsidies and people
under the Affordable Care Act within a certain degree of income,
we're receiving more help from the federal government to pay
for the premiums. But it's not it's not like the
premiums doubled from one year to the next. The premiums
(10:02):
were high already. But to answer your question again, we're
telling everybody, get in, get in with a bronze plan,
get in with whatever you need to do to afford
so that when the enhanced subsidies come in, you're able
to make any switch that is important to your health
(10:26):
and to whatever care you're receiving, because it's mostly what
we're all concerned about is folks that are managing chronic
and critical conditions that require top notch coverage. And as
an aside, the Affordable Care Act as a whole, and
this can be a whole other conversation, and we can
have as about the time, did a lot of goods
(10:48):
for the country of you know, folks getting friends for food.
That is true, that are pre existing conditions. However, there's
nothing affordable about the Affordable Care Act. And that's a
whole and that's a bigger conversation because you know, as
a whole, even the most least expensive coverage on the
(11:13):
Affordable Care Act, god forbid, you have a a dramatic
situation that requires millions of dollars in coverage. You are
going to get it no matter what plan you have,
whether you have the least expensive plan or the most
expensive plan, you will be covered via the fine print footnotes.
(11:33):
The in betweens is how much money is a consumer
fronting before the coverage kicks in. And that's why you've
heard Senator Cassidy from Louisiana and some other folks saying, hey,
we want to fund ah say, accounts for average Americans
to be able to help them withstand some of these
(11:57):
payments up front before the insurance kicks in, but overall.
And I'm sorry that I've I've given you an extremely
complex answer to every simple question. But I want, I
want the audience to understand. And and I'm an insurance nerd.
So if anybody listening, everyone wants to geek out on insurance,
please call and UH and leave a message. Hey, I
(12:19):
want to geek out with Tony on insurance, and I'd
be more un happy to call you back.
Speaker 4 (12:22):
Perfect.
Speaker 5 (12:23):
I love this stuff.
Speaker 3 (12:24):
I love this stuff. But anyway, get insured, get get in,
get in and get something so that you're not left out.
Speaker 2 (12:29):
Okay, hey, Tony, real quickly, we got about three minutes
left before we you answer this question, make sure you
give out your contact information once again, and do it
at the end of the answer to the question what
is the I A thing I keep hearing about the
I c HR?
Speaker 6 (12:45):
What is that?
Speaker 2 (12:45):
Can you touch on that?
Speaker 3 (12:48):
Yes, that that's a super cool movement. It's a regulation
and and and I'm calling it a movement because it's
gotten by partisan support, including from the including the Center
of Medicare and Medicaid Services, which regulates healthcare in the
country with HSS. So AKRA is a regulation that almost
(13:08):
made it into the big Beautiful Bill, but they kept
it out, which and allows business owners to instead of
using traditional group coverage, to let their employees take a
plan from the marketplace, which is the Affordable Care Act.
It's catching on on fire all over the country. It
(13:31):
is going to end up being an all certainty. How
forty million people in this country over the next five
to seven years get their coverage. So all small business
owners not just in South Florida but all over the
country who are either looking to offer employee benefits for
(13:52):
retention or when I get a second look at what
they're paying now and compare it to AKRA, is a
fantastic opportunity to jump in because it essentially freeze up
the business owner from ever having to worry about dealing
with a traditional group plan.
Speaker 7 (14:11):
Again.
Speaker 3 (14:13):
I'll repeat my phone number for the listeners, Robert. It's
eight seven seven nine to one by five one four
eight seven seven nine to one by five one four.
My email is Tony t o ny at New Healthpartner
dot com. That's that's singular and Merry Christmas, Happy holidays
(14:36):
to all your listeners. Robert, thank you so much for
being a supporter of us. We appreciate everything you guys
do for us and we're here to serve in any
capacity with everything.
Speaker 6 (14:46):
That we do.
Speaker 2 (14:47):
Tony, thank you so much you as well. We're looking
forward to continuing to work with you on your team
in twenty twenty six. Once again, folks, it's been Tony Pehl,
the CEO of New Health Partner. You definitely want to
reach out to he and his team. You'll be in
good hands. Be the best move you've made regarding your
insurance needs. Once again, Merry Christmas, Happy New Year's. Look
forward to seeing you in twenty twenty six, and have
(15:08):
a great weekend.
Speaker 3 (15:08):
Tony, thank you, Robert says to you and your team.
Speaker 8 (15:16):
Business owners, are rising healthcare costs cutting into your bottom line?
Are you struggling to keep top talent without offering health benefits?
At NHP Growth, they make employee health coverage easy, affordable,
and one hundred percent tax deductible with zero stress, lower
your renewal costs, boost retention, and skip the admin headaches.
Visit new Health Partners dot com or call seven eight
(15:38):
six five seven one zero three four three NHP Growth.
Affordable health insurance for your employees made easily. Let's build
a better benefits plan together, NHP Health.
Speaker 2 (15:48):
Good morning, welcome back to the show. It is Saturday,
the twentieth and December. Folks, Christmases upon us. Before you
know it, it'll be twenty twenty six. I'm Rob the
director of Operations with the Greater South Florida Chamber of Commerce,
one of my everybody. Later this morning, from ten am
to three pm, will be out at Miami Springs for
the annual Miami Springs Farmers Market right there at two
oh one Curtis Parkway. We have about forty or fifty
(16:10):
vendors out there with us, Stop on buy with us
as corporate trustee. Ambassador Steven Sunshine who's the president at
five Star Visibility. They happen to be the preferred digital
marketing company for the Greater Self, for the Chamber of
Commerce and our members as well as people within our network.
They're offering a free digital marketing evaluation to all of
our new and existing members as well as a select
(16:32):
group of people within our network. I'm going to get
out of the way and let Steve get right into
it this morning, because I want to talk about the
importance of having a strong digital presence on the Internet.
But even more so, I want to talk a little
bit about social media and why so many companies fail
at it, Steve, and how many companies you'd be surprised,
(16:52):
brand name companies, big name companies really don't have a
strong social media presence and the importance of having one,
specifically with everything going on going into twenty twenty six,
it's really a must. It could be a game changer
for businesses.
Speaker 6 (17:07):
Go ahead, my friend, Hey, thank you, Rob, and I
want to wish happy holidays to everybody out there in
a listening audience, and Rob, you're doing a great job.
And really the Chamber is a great opportunity for all
the local businesses in South Florida to really connect with
someone that's a pusher. You know, Rob's going to push
you to do better as a company. And that's the
strategy of the chamber, is to facilitate growth in sales
(17:31):
and success. So thank you Rob for that. You're definitely
helping our company reach more people and get more business.
So today let's talk about social media and the value
of a digital marketing presence. One of the things that
just came to mind is why do people fail at
digital marketing? And I came to the conclusion it's because
(17:52):
it's really out of sight. It's hard to touch it,
it's hard to feel it. You can feel the results,
but do you know if your website it's doing good
work right now? Do you know if there's new leads coming.
It's very hard to stay on top of it when
you're still trying to keep the lights on and the
doors open every day for your small business. So you
(18:14):
kind of let the digital marketing aspect go away because
you can't touch it. If you had a sign or
lights that were out in the front of your building,
you'd fix it right away. Hey, this is bad for
my business because I can see it and touch it.
But digital marketing, it's so easy to close an eye
or close both eyes. So my big piece of advice
(18:35):
for the end of this year and next year is
keep your finger on the pulse of your digital marketing.
If you're not moving forward, you're kind of regressing, right
because competitors are trying to do better, The market is changing,
your business is changing, and if you don't have that
constant push of new customers and activity, it tends to
(18:57):
get very challenging. And then when the businesses is slower
than expected, the stress, the pressure, and the opportunities kind
of shrink up with it. So you have to stay
ahead of your digital marketing. And many companies reinvest a
certain percentage each month to their marketing plan. If you're
(19:17):
the type of company that doesn't have a set budget
for marketing, then that's one of the things you should
really consider. You know, if you're bringing in and I'll
just make up fake numbers, one hundred thousand dollars in
business a month, maybe you should be spending five or
ten percent of that back into your marketing budget to
make sure things are moving forward. And that means more
(19:39):
than just having a guy on staff that does your
marketing it's really investing in the right opportunities. With digital marketing,
it's a very fluid situation. There's opportunities that come and go.
There's competitors that come and go. Like if you're doing
paid advertising on social and you know your two big
competitors are advertising every day, and all of a sudden,
(20:01):
one of them stops the opportunity to take their traffic
and take their business that they were stealing from you
because they were outbidding you or out paying for social
media marketing is now a new opportunity. So if you're
on top of your marketing opportunities and your strategies and
all your data, you know when to double down, you
(20:22):
know when to slow up or shift gears. But if
you don't have your finger on the pulse, you need
a company like ours or similar that'll do this for you.
And what I'd like to really state is that if
you hire somebody to be your marketing guy in house,
you're paying them four five six seven thousand dollars plus
(20:42):
overhead a month. Digital marketing from a company like ours
is a third of that, and you get experts in
the field who focus and know how to take the
shortcuts and to optimize things where your guy in house
might know a little bit about a lot or a
little bit about a little and you know he's just
(21:03):
not getting it done or she's not getting it done
because that's not their expertise. They're there to put out fires.
And what happens with internal employees, they're pushed to whatever
job needs done that day, and it might not be
their main core function. Like digital marketing, it's like I
need you to work to counter today, I need you
to work the cash register, I need you to unload
the truck. It's just another body that you steal from
(21:27):
your marketing budget to do other things. And that's you know,
that's fair. Businesses have to stay in business. But digital
marketing is a commitment. And you know, my big philosophy
at doing this for thirty plus years is you earn
what you get. There's no tricks, there's no shortcuts. You
earn what you get. So if you're doing good marketing
(21:47):
work and you have a good product and a good
service and good reputation, you earn traffic from Google, or
you earn business from your competitors. You don't just get
it because you're a nice guy or that you're on
this street or that street, or you have a good
product inside your building, you have to earn it through
all the different.
Speaker 2 (22:08):
Channels and for people out there in the listening audience
that Steve had taught me this some months back. But
really what he's talking about is promoting brands, products or
services using online channels digital tech, websites, social media, search
engines email to connect with potential customers to bring in
more revenue, build brand awareness and drive sales through targeted,
(22:30):
measurable campaigns. And five Star Visibility is the best at
that that I know of. They're the preferred company for
the Greater softworda chamber of commerce. They do it better
than anybody I know of, and they do it for
companies with one to five employees. They do it for
companies with five thousand employees, and they have hundreds of
employees nationwide. Steve is the direct connection for us and
(22:52):
you can reach him by going to five Star Visibility
dot com. But he'll give out the contact information again.
But I want you to know that it's a game changer,
it's a life changer for a business owner. You really
want to take advantage of the digital marketing evaluation. If
you're part of our network or a member. It's free
and they're going to lead you to the promised land.
I didn't want to take up too much of your time, Steve,
(23:14):
but sometimes we've got to break it down into the
basics because there's a lot of people out there that
do not understand technology. And that's what digital marketing is.
It's technology.
Speaker 5 (23:24):
Go ahead, sir, yep, it's yep.
Speaker 6 (23:26):
It's using the right channel to get your message out
to the people at the right time. It's always, you know,
the right message to the right people at the right time.
If you are a roofer and a storm just goes through,
business should pick up. If you're a restaurant and it's
(23:46):
Friday night at five o'clock, people trying to decide where
to go eat, it's a good time to do some
marketing at that five to six o'clock hour, you know,
so you know, you can always go back to football games.
Why they show so many people Hut and Domino's commercials
during the four o'clock to eight o'clock game, it is
because that's when people are deciding to get food. They
(24:07):
didn't do it by accident. They have a plan, and
that's the key to digital marketing is a plan what
we do as a digital marketing company here in Fort Lauderdale.
We're right on Cypress Creek Boulevard, one block or two
west of ninety five on Cypress Creek. We're in the
Amirk Bank building, you know, right there on the south
(24:29):
side of the road. You can reach our website at
five Starvisibility dot com. The number five Starvisibility dot com.
I will be happy to talk to you answer your calls.
Our phone number here is nine to five four two
eight nine five five five five. And what we are
offering through the chamber is a free digital marketing evaluation.
(24:53):
This is something Rob and I came up with because
we saw a need that small businesses don't really understand
if they're doing and good or bad, So we came
up with this. It's about a thirty point check of
your website, of your social media, of your Google presence,
of your Google Business profile, and we review it with
a expert digital marketer. It's not a program that we
(25:15):
run or chat GPT or anything. It's we look at
it and use our professional expertise to say this company
has some challenges or are doing certain things right, and
we give you a printed pdf report with a simple
abcd F grades and about thirty different metrics for you
to review, and we give you some suggestions on what
(25:38):
you can do for each one of those metrics, and
then we'll sit down with you or have a zoom
call with you and answer your questions and go over
the report, all free, brought to you by the Chamber.
Very good friends at the Chamber. They're really trying to
give people a baseline for them to understand. One of
the hard things to do as a small business is
to really evaluate your good and bad parts of your business.
(26:01):
You usually have blindness. Oh, our business is great, I'm
so proud of it. Everything looks great. But from the outside,
your potential customers, leads and contacts and things like that
may have a totally different opinion because they look at
the competitors, they see the market, they see what the
positive or the unique selling proposition is. But if you
want to take advantage of the free digital marketing valuation,
(26:25):
go to five Star Visibility dot com slash chamber. It's
a simple six or seven box form. Fill it out
and then over the course of the week, one of
our digital marketing experts will review all your stuff, send
you out some information, invite you to a zoom call
and you can get a benchmark and say, you know what,
I didn't realize that these things are so bad, or
(26:46):
we're doing pretty good here, maybe we should double down
here and find our weaknesses. So it's a good benchmark
report and you get access to me or one of
our digital marketing experts to ask your questions, answer your questions.
We do a lot of the and everybody receives them
in a positive light because they know it's a professional
experts view of how the consumer sees your business. It's
(27:11):
not painted. So go to five Star Visibility dot com,
slash Chamber, or you can give me a call at
nine five four two eight nine five five five and
we'll be happy to help you out. Five Star Visibility.
Speaker 2 (27:22):
Steve, want to thank you for being with us this morning.
Had a wonderful weekend, and then we want to wish
everybody out there a merry Christmas and a happy New Year.
Thank you so much, Steve.
Speaker 6 (27:32):
All right, thank you, Rob, and have a good holiday season.
Speaker 2 (27:35):
Thank you, sir.
Speaker 4 (27:40):
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
(28:00):
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Speaker 2 (28:10):
Good morning, Welcome back to the show. It is Saturday,
the twentieth of December twenty twenty five. Christmases upon us
this coming week right around the corner. 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 with Us is one of
our newer members, Michael Mason. He's with My Capital Needs
(28:31):
and they're located at twenty four oh five Quantum Boulevard
and Point in Beach, Florida three three four two six.
His email is Mike m Ike at Mycapitalneeds dot com
or you can go to www dot micapital needs dot com.
Michael want to get right into it. With you this morning.
What types of alternative financing is available for business and investors?
(28:56):
Because you and I both know the banks just aren't
loan of money like they used to.
Speaker 9 (29:00):
That's that's a certainty, yeah, and it seems to be
getting worse and worse, you know as the days go
on for some people.
Speaker 6 (29:08):
Now.
Speaker 9 (29:09):
As far as the business aspect, there's the business owner.
What we've been seeing a lot of you know, your
more retail type stores, traditional like merchant cash advances have
become very popular. That downside to them is they're a
little bit of a high risk, you know, so they
come with a high interest rate and it's a simple process.
(29:33):
They just look at what the business is doing and
they base the revenue what they can loan on the
business revenue doesn't take the person into considerization. They're relatively
fast loans. Credit doesn't come into play as much, and
they say, hey, here's the term, we'll pay it back
(29:53):
in six months, and this is what we can lend in.
It usually happens relatively quick. They're great type of investing
for I'll give you a perfect example. I had a
gentleman who does custom byite parts and he's an online
only and got invited to a trade show. He needed
to order about thirty thousand dollars worth of parts to
(30:15):
sell them live. And because he didn't keep him in
an inventory, it was great. He knew he was going
to borrow the money. He got forty thousand dollars really quick,
went in, sold everything and was able to pay the
loan back before he had to pay all the interest.
It was great. He had some credit challenges. Those are
the perfect types of loans for people in those types
(30:36):
of situations. And then on the real estate side, we
see a lot of asset based lending. You know, you're
looking to buy a building, You've been in there for
a while, you want to buy it. Most of the
stuff that we're doing is just looking at the building,
the revenue and how much it's called a debt service.
(31:00):
As long as the revenue from the rents and can
cover the taxes and insurance. They base it on that,
not the business, not the owner, not anything like that.
And that goes as well for people who are looking
to do fix and flips, all kinds of stuff like that.
I even have if you buy a lot of commercial
property and rehab them and sell them. You know, a
(31:22):
single family home, multi family home a line of credit
and you can use your four to oh one K
funds as I wouldn't say collateral, but the dollars to
qualify for a line of credit, and you're usually getting
about five times what it is. So you've got half
a million dollars in a retirement account, you could get
(31:45):
up to two million dollar a line of credit based
on that sex and flips.
Speaker 5 (31:50):
That's awesome.
Speaker 2 (31:51):
Yeah, yeah, Well Mike, what is the type of situation
you would use alternative financing, say over traditional bank? Can
you elaborate on that? But listing audience is lorning.
Speaker 9 (32:03):
Yeah, Typically you're gonna it's gonna be a short time return.
Let you know, you can purchase something you need quick
inventory and you want to pay it off relatively quick.
Then the other big thing on the real estate side,
a lot of what we see the debt service loans,
(32:24):
when they're done under a business name, you know, for
buying real estate and property, don't report to your personal
credit So that's big for a lot of people. You know,
like if you want to buy ten fifteen houses, if
you go to your local bank, they're all using an
FAHA type product.
Speaker 3 (32:41):
Sure where the.
Speaker 9 (32:44):
Type of debt service loans that I deal with are
typically going to report to the business, not you, And
obviously there's a higher interest rate for that different requirements,
but the fact that it doesn't affect your personal credit.
You know, you go to buy your own personal home,
now you might have a DTI issue with four loans
on it.
Speaker 5 (33:05):
That's true, you know.
Speaker 9 (33:07):
So those are those are the Those are the two
main types of reasons that I say, what do you.
Speaker 2 (33:14):
See out there as a whole as we come out
of twenty twenty five, we're going into twenty twenty six,
What are a couple of things, key things that you
would want people to be aware of and be alert for.
Speaker 9 (33:24):
Ye I think the biggest thing, although there's alternative financing.
Rates are definitely changing, not only in the personal line
type stuff, but that also rolls over into alternative financing.
You know, I've already seen it. A couple of my
debt service loans just in the past month have gone down,
(33:48):
you know, fifty basis points, you know, so that's a
half a percent, and that you know, your personal stuff
is going down as well. So if we keep seeing
the rate reductions over the course of the next year,
you know, that's what the current administration feels like they're
going to try and do. It will slowly affect the
(34:08):
business lines as well. So the key is, you know,
trying to keep your credit as high as possible because
a lot of these alternative financing, the higher your credit is,
the lower rate you're going to get as well your
personal credit.
Speaker 2 (34:23):
Yeah, that's a key aspect that a lot of people
need to take into consideration because obviously, I think it's
going to be a little bit different than twenty twenty six.
I think a lot of yeah things.
Speaker 9 (34:33):
Yeah, because if you can if you can use a
hybrid product that will require less documentation, and if you
have good credit, those loans tend to be the same
as going to the bank.
Speaker 2 (34:45):
Correct.
Speaker 9 (34:46):
Now, if your credits, your credit's not where it needs
to be, then you've got to rely more on the
more non traditional products like a merchant cash advance. You know,
they're really just advancing you against future revenue, so it's
not really alone. You know, they're buying future revenue at
a discount today. I think hopefully, you know, with the
(35:10):
rates lowering, it'll help business owners keep their personal credit
cards low and that'll turn help their personal credit so
they can go back to more of the hybrid type financing.
It's going to be a slow year for next year.
Speaker 2 (35:24):
Yeah, I have a feeling. I have a I have
a feeling it's gonna be a major paradigm shift. I
think you're right. What's what's the struggles new investors run
into with alternative financing.
Speaker 9 (35:38):
Expectations. I think a lot of times you're going to
see they'll you know, everybody's got a YouTube PhD or
somebody's trying to sell the new fancy product and tell you, yeah,
you can do this, you can do that, and that's
the once in a lifetime unicorn type of alternative financing.
(35:59):
You know, hey, get the owner to take back a
third loan and you know, then you do this and
then the bank should give you this, you know, and
banks aren't working that way. So I think the biggest
struggle that new investors would run into is realizing just
because it's alternative doesn't mean that they're going to get
(36:21):
it the way they want it, you know. And that's
the big, big struggle is talking to somebody before you
make commitments, see if what you're looking to do makes
sense to people offering alternative financing I would say half
of my day is explaining that to clients, whether they
work with me or not. It just happened two or
(36:43):
three times today. Person was trying to buy a four
unit of apartment building and that what they were trying
to do, even in the regular financing world, is not available.
So and I felt bad because she had put money
down and her deposits were getting ready to go hard
and I don't know how she did it back. Yeah,
(37:05):
so she Yeah, she's kinda have to do some alternative.
I need help from a family member type thing instead.
But yeah, you can't rely on everybody that's internet guruda
get you to your alternative financing.
Speaker 2 (37:22):
Yeah, you have a strong background this. You've been doing
this for a long period of time, correct, Yeah.
Speaker 9 (37:27):
I come from both sides of the financing. I got
into it from using it. I was typically you know,
I've done fix and flips, I've owned rental properties, I've
owned multiple businesses, you know, so if I wasn't personally
doing an MCA or looking for a line of credit,
(37:48):
so that's kind of it was kind of a natural
transition into it.
Speaker 2 (37:52):
That's good because you're well versed in it and you
know that you know that you know the industry inside
and out, so that for you, that's good win win.
And obviously I can tell you, yeah, you're well versed,
you know what you're talking about, and you have the
proper personality because I would say that with what you do,
patients would have to be a virtue because obviously people
who always think the grass is greener on the other
(38:13):
side until they get there to say no, not necessarily.
Speaker 9 (38:17):
Yeah, and like yeah, my grandfather used to say the
grass is always greener until you got to start bowing it, correct.
Speaker 6 (38:24):
I like that, it's all the same.
Speaker 9 (38:27):
Yeah, yeah, that's for sure.
Speaker 2 (38:29):
Well let's you know, we got a couple of minutes left,
let's do a recap again, you know, and the different
types of alternative financing available that you offer, and then
anything else that you want to share with the listening
audience how you feel you may be of help to
them if they're looking to do certain things go ahead.
Speaker 9 (38:45):
Yeah, So from the business owner's standpoint, we definitely have
a merchant cash advance. Oh one other thing, if you
do have halfway decent credit, we have a and this
is great for new startup companies if you're looking to
do startup company. We have a program it's called credit
card stacking. And what that program does, if you've got
(39:08):
at least a six to eighty credit score, we have
banks that can simultaneously approve you for true business credit cards.
Cards that don't report to your FIGHTO score. They report
to your dun and Bradstreet number. So that's everything. Every
business should have their done and Brad Street number set
up and don't let the bank do it for you
(39:28):
so this way you know it's correct and that's basically
your credit file for your business. So the credit card
stacking program is great for startup companies. If you're looking
to startup, you can. I've seen clients get as much
as one hundred and fifty thousand dollars and zero interest
credit cards just for a brand new business that was
(39:50):
one day old.
Speaker 6 (39:51):
Wow, that's it.
Speaker 9 (39:52):
Yeah, and it definitely you know they're averaging anyways from
six to eighteen months of zero interest, you know, and
you can catch them out, you can you know, use
them as credit cards to start you know, your business
up with. So that's another alternative solution. The nice thing
with that is what we'll do is Okay again, it's
(40:20):
Mike Mason, my Capital Needs and you can reach me
at Wwwmcapital Needs dot com. I appreciate it, Mike.
Speaker 2 (40:29):
I want to thank you for being with us. We're
looking forward to having you on in the future segment
in the very near future. Want to wish everyone out
there a happy holiday once again. Later today from ten
am to three pm, we'll be out at the Miami
Springs Farmer Market at two o one Curtis Parkway. Come
on and buy and see us and thank you again, Mike.
Happy holidays.
Speaker 9 (40:48):
Appreciate it you too.
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Speaker 1 (41:55):
Good morning.
Speaker 2 (41:56):
I'm Rob the director of Operations with the Greater South
Florida Chamber of Coming. This is one of our weekly
radio programs called the Best of South Florida Business, and
it is Saturday, December twentieth, twenty twenty five. Christmases upon Us.
It's right around the corner and with me is Joseph
Joe McCormick, one of our corporate Trustee ambassadors from Dreams
(42:16):
Business Resources. And Joe does a number of things, does
them all well. But for folks out there right now
who will go, wow, twenty twenty five just flew by,
and they're sitting there planning for twenty twenty six. And
if you're scratching the back of your head thinking about
where you're going to get some working capital so you
can expand or if you're looking for different ways to
(42:37):
improve and grow your business or improve your standing as
an employee within the business that you work for, let
me get out of the way and let Joe tuch
on a couple of different programs R and D like
I want to touch on all those different things, because
before you know it, it's going to be twenty twenty six, Joe.
And obviously things are moving in a quick fashion, if
(43:01):
you will, and there's a lot of moving parts. Still
too much negative noise out there for my liking, but
that's why I choose to block it out. Glass has
got to be a quarter of the way full, not
three quarters of the way empty. But folks, if you
are in dire straits and you're looking to do something
to improve your standing as a small business owner, there
are several programs out there that you may not be
(43:23):
aware of that are still active and I want Joe
to touch on those.
Speaker 5 (43:26):
Go ahead, Joe, Hey, Rob, thanks for the introduction again.
My name is Joe McCormick. I'm with Dreams Business Resources.
That's exactly what we do. We provide. We're a B
to B with resources. Now, I'd like to talk about
three if I could yep, sort of give you the
thirty thousand foot view. And you know, if it's okay
(43:47):
with those business owners out there, all three, we'll put
money in your pocket, two of them at zero net costs. Now,
the first one is, since it's the end of the year,
is the Research and development R and D tax credit
that is available to businesses any size who have a
product or a process that they improve upon or try
(44:10):
to improve upon. Now, this money has been available, this
program has been available since the eighties. Large, large sums
of money are left on the table each year. Reason
rob a lot of companies don't think they qualify for
the R and D tax credit. And another one, sadly
is that the CPA and accountants just flat out don't
(44:31):
know how to do it. It isn't easy, but we
have a proprietary software that does it just about all
for the client. Answer a few questions. The money average
case two hundred and fifty thousand, plenty underneath that amount.
But again, we did a fertilizer company not too long
(44:53):
ago and their R and D tax credit was well
over a million dollar. Excited about R and D, love
to have conversation seven eighty six four zero four eleven
forty two. And the next one I want to talk
about is the FIKA reduction Plan. Now, this is delivered
at zero net cost to a business business owner where
(45:17):
he uses a health efficiency plan, not a water down
wellness plan that these carriers like to throw at you.
This is something that will work with your major META
doesn't replace, it, doesn't interfere with it. We do all
the onboarding. But what's the benefit, Rob. The benefit is
to the business owner a six hundred dollars real dollar
(45:38):
savings per employee per year in fik A reduction. The
employee themselves, at no cost to them, will see an
increase in their pay anywhere from one hundred to one
hundred and twenty five dollars depending on where you live.
This is a great plan. Again, it's sort of like
the first line of defense for your major medical. It'll
(46:02):
help keep the claims down. So the employees that I've heard,
they just love it. There's no paperwork, there's no forms
to fill out or anything like that, no deductibles. Great
great plan, the fight A reduction plan, and the last one,
and you know, Rob, you and I were talking about
this a couple of weeks ago. Money's tight out there,
(46:26):
the banks aren't lending. We have a company that does
business lending fast, very very fast. Money can be in
your account in twenty four hours. We can do loans
up from two thousand to two million. There's no financial
report that you have to turn in, no long drawn
(46:48):
out applications. They don't even look at your fight A score.
What they want to see, ROB is positive cash flow
every month. And so if you have an opportunity out there,
or there's material reality you want to buy and you
don't want to miss out it's on sale, whatever, and
you need some scratch, give us a call seventy eight
to six or four eleven forty two and real excited
(47:12):
about all those ROB.
Speaker 2 (47:14):
Yeah, you should be. I mean, that's a lot, a
lot of moving parts, a lot of things going on,
and obviously you have to nail on the head. They
are not lending money out there right now, and I
don't anticipate that to be the case at the beginning
of twenty twenty six either. I think it's one of
those things where people are definitely gonna have to dot
their i's, cross their t's. And his grandma and grandpa
(47:35):
used to say, beyond your best behavior, and watch your
p's and q's because you know, save and save your pennies,
save your pennies right before they quit making them. Because
I kid you not, It's like a penny earned is
a penny saved, is a penny earn. This day and age,
a lot of stuff happened out there. Well, you know,
what's your take on it, Joe. You think things in
(47:55):
the twenty twenty sixth calendar year, think at some point
they'll open up a little better. You think it's going
to continue to be close to the best as it
has been for majority.
Speaker 5 (48:03):
Of this year. I just think we're in for a
great twenty twenty six I just think everything's going to
start kicking in. I don't really care what side of
the aisle you're on. I'm with you, Rob. The glasses
half full, It's always half full. We live in the
greatest country. We're going to have the best economy. I
(48:24):
believe the four oh one case are going to be
kicking up. So I just believe that our economy is
headed in the right direction. We've got more and more
jobs that are being created. It's just my take and
I and I just I just really really feel good
about twenty twenty six all across the table.
Speaker 2 (48:45):
Yeah, and I think that that should be the case.
I'm with you on that. I'm hoping that that will
be the case. But what I you know, I just
don't want to see the continued lack of optimism. You
know which one what's the opposite is the negative and
we definitely don't need the negativity. And that's just not
where it's at. But once again, Joe, what I want
(49:06):
you to do is let people know how they can
get a hold of you in case they want to
reach out to you to do a consultation. And we
look forward to having you on from many future segments.
Speaker 5 (49:15):
Go ahead, sir, many thanks Rob again. My name is
Joe McCormick with Dreams Business Resources. I can be reached
at seven eight six four zero four eleven forty two
seven eight six four zero four eleven forty two and Rob,
I hope we get to talk real soon.
Speaker 2 (49:35):
We will, my friend. Thank you very much, and have
a wonderful weekend. Once again, everybody. Late later today from
ten to six and tomorrow from ten to six, come
on out to the Point and Beach Mall for the
annual holiday home Show.
Speaker 11 (49:47):
Thank you, does your business need bottom line savings. Do
what thousands of business owners have done, called Dreams Business
Resource Center. When you call nine oh four six four
three six four oh six, you'll get help in identifying
what parts of your business could use some financial stimulus.
(50:08):
By using the Dreams Business Analyzer with their software and
collection ability, you'll get an in depth report of real
savings and dollars. This is a groundbreaking four oh one
k alternative and cloud computing opportunity. Dreams Business Resources has
developed a business analyzer to help determine what, if any,
parts of your business could see some financial stimulus. Their
proprietary software and date collection ability can produce an in
(50:30):
depth report with real savings displayed in dollars. Log on
now to Dreams Resource Analyzer dot com and see how
your business can be helped. Call Joe now at nine
oh four six four three six four oh six. That's
nine oh four six four three sixty four oh six.
Where visit Dreams Resource Analyzer dot com. Dreams Business Resource
They enhance businesses bottom line at zero net cost.
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We deliver stunning bath and shower remodel in as little
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Speaker 1 (51:14):
Plus visit us.
Speaker 7 (51:15):
At Sawgrass Mills Mall December sixth and seventh to see
the difference for yourself American bathroom shower, beautiful bathrooms, fast results.
Speaker 12 (51:24):
The Sylvana at Stewart has taken retirement living to a
new level where active fifty five plus living has never
looked better. At the Sovna, we believe you should have
the ability to tailor your senior living experience into a
perfect fit. Residents enjoy a vibrant atmosphere along with resort
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Speaker 13 (52:25):
Feeling stuck at a timeshare you no longer use or
were misled into, Timeshare Contract Resolution is here to help.
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Speaker 14 (52:53):
Your vacation Your Way Business owners, The Greater South Florida
Chamber is now accepting 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
(53:15):
Greater South Florida Chamber can help generate business that fits
your budget.
Speaker 13 (53:19):
Call today nine five four five eight oh eight.
Speaker 14 (53:22):
Eight oh two or visit Greatersouth Florida Chamber dot com.
Speaker 1 (53:26):
You've been listening to the Greater South Florida Chamber radio
program with your host to board President John Kroll of
Kroll Realty
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