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October 31, 2025 13 mins
TOP STORIES - The death toll rises as Hurricane Melissa leaves widespread destruction across Jamaica, Haiti, and Cuba. Florida CFO Blaise Ingoglia accuses Miami-Dade County of overspending more than $302 million, while State Farm announces rate cuts for Florida drivers. Plus, three Florida cities earn top spots for Halloween celebrations — and we share this year’s best Halloween discounts and freebies.

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Speaker 1 (00:00):
The morning's top news story is brought to you by
our friends over at Onco Shore. For a simple, accurate,
non invasive test that detects all cancers. Call eight seven
seven twenty four test now, and we say good morning
to Karen Curtis. Good morning, Karen, Well.

Speaker 2 (00:16):
Good morning to you both.

Speaker 3 (00:17):
And you know we're still talking about Melissa because she
just cleared Bermuda. She's headed for Newfoundland, so we'll see
what happens in Canada. But boy in her wake, fifty
people dead across the Caribbean, and the majority of those
deaths from floods in Haiti. Death tolls though are expected
to rise. They've got search and rescue continuing in Jamaica

(00:38):
and Cuba. And she made her closest approach to Bermuda
overnight's ninety miles an hour as a Cat one. But
now she's headed out to see she may skirt Canada there.
But we are really offering help now to those who
were impacted by the storm because I've seen video. I
don't know if you've seen it, but Jamaica really was destroyed,
especially the western part, and the high winds, heavy rainfall,

(01:01):
rough seas are expected as the storm passes through the
region tomorrow passed Bermuda on end too, Canada.

Speaker 1 (01:08):
Yeah, we were talking about that a little bit earlier.
There are parts of Jamaica that are completely cut off
and then it's going to be even days before people
can even get into those areas to find to look
for people, right, yeah, and assess the damage, not to
mention you know, how long it's going to be before

(01:28):
they can even begin a recovery process.

Speaker 4 (01:30):
So yeah, housing is going to be Housing is just
going to be such a big issue because you know,
you're on an island, so where are they going to
house all these people who lost their homes? And if
you look at the aerial shots, you just see neighborhoods
of homes just leveled like it was it's like a
tornado went through. And we actually talked yesterday. You can
check this out on the podcast. We talked yesterday to

(01:52):
the director of the Sandals Foundation. It's the Sandals Resorts,
but then they also have a foundation and all the
efforts that they're going to be making to help recovery,
and that's a great place to donate.

Speaker 5 (02:01):
To as well.

Speaker 3 (02:03):
Yeah, they had twenty five thousand people in shelters, so
that just gives you an idea of how many people
that are displaced at least, not to mention those who
may be roaded out. And you know, rescuers have to
watch out for down power lines and all kinds of
dangers as well.

Speaker 2 (02:17):
I mean, it's it's.

Speaker 4 (02:18):
Really Crocodiles was an issue that I saw, the crockediles
that are just going to be wandering around now kind
of out of their habitat because of all the flooding.
I mean, it's going to be a dangerous situation there
for a long time.

Speaker 2 (02:29):
And like eighty percent without power.

Speaker 3 (02:31):
So if you want to help them out, check out
what Sandals is doing as well, because that's a great
thing for Jamaica. Property tax cuts could only apply to
homeowners who've paid off their mortgages. Because what the CFO
of Florida wants the government spending and the DOGE to stop. Actually,

(02:52):
what he's found is three hundred and two million taxpayer
dollars wasted to Mimi date over a billion over eight cities,
and they want is wasteful spending to stop.

Speaker 2 (03:01):
Here is blazing Golia. He's in Miami Dade.

Speaker 6 (03:04):
We've been on a mission to highlight excessive wasteful spending
of local governments in an effort to make the case
for serious property tax reform, including the elimination of property
taxes on homesteaded properties altogether.

Speaker 3 (03:20):
So and Golia and the governor have been campaigning using
wasteful spending to justify cutting property taxes, and that would
be for home winners who have paid off their mortgages.

Speaker 2 (03:28):
But he continues to doze through the state.

Speaker 3 (03:31):
And you know, he's saying it's over a billion dollars,
a wasteful spending, a lot of it, and mostly in
South Florida.

Speaker 4 (03:36):
They're saying, well, with a lot of these though. They're
saying all that, but they're not giving a line by
line kind of what a description of what they're what
exactly they're talking about. They're making these bold statements and
these big claims about all this waste, but nobody's seen. Okay,
where's the audit paperwork, Like, let the public go through
it and look and determine, you know, was this really

(03:58):
wasteful or is this your opinion about.

Speaker 1 (03:59):
What's exactly the point that I was going to make, Dana,
thank you, because I'm a little skeptical when Angolia just
tosses out these blanket numbers. You know, Hillsboro County is
wasting this much money. Miami Dade is wasting this. Okay, okay,
let's see some let's see some evidence here back it up.

Speaker 3 (04:22):
Yeah, Well, the Miami's got a major deficit as well.
They can't you know, the Sheriff's department makes up almost
the most to their budget, so they've got they can't
cut any more their le budget. So we'll see what happens.
By the way, we have Halloween today, and three Florida
cities made the list of the best locations for twenty
twenty five for Halloween festivities. This is wallet Hub and

(04:44):
so Miami's number six, Orlando is eleventh, Hyaliyah is nineteen,
and Tampa comes in at twenty eight.

Speaker 5 (04:51):
Oh, I would have had Orlando a little bit higher.

Speaker 7 (04:54):
Yeah, because they've got all the Halloween stuff.

Speaker 4 (04:56):
The theme park's gone on, the Mickey's Halloween Party is
always fun, Halloween horror nights.

Speaker 3 (05:03):
Well, the metrics were where it's the best place to
spend it for the money, and the determining factors were friendliness,
weather conditions, Halloween fun you know, from like Halloween parties
to pumpkin patches, I live in a fifty five and over,
so we hand out like Ginko below bus dependents in
tennis balls.

Speaker 7 (05:24):
And good time.

Speaker 1 (05:26):
There you go, and happy Halloween, Karen Curtis, and thank
you so much for joining us today. Check our top
news stories brought to you by our friends over at
the Holland Group Retirement and Wealth Advisors. You worked hard
to say for your future. They can help you make
the most of it. Find them online at Askdehollands dot com.

(05:47):
Do I say good morning Superman or do I say
good morning Clark Kent?

Speaker 5 (05:51):
Because you got the glasses going.

Speaker 3 (05:52):
I do.

Speaker 1 (05:53):
You're right, but you know, in order to get credit
for the contest, I got to show something. Yeah Clark Kent.
Everybody wouldn't know who I am. But anyway, yeah, I'm
trying to like get to you guys level with this
like Florida Man thing.

Speaker 5 (06:05):
But I don't know that is a good costume.

Speaker 4 (06:07):
But we did have a Florida Man's story not too
long ago about the Florida Man and the Batman costume.

Speaker 5 (06:14):
Yeah ended up.

Speaker 4 (06:15):
I can't even remember what the crime was that he stopped,
but he did something pretty cool.

Speaker 5 (06:19):
So I'll bet those all sold out. After that. Yeah,
you've even got a cape going on, I do. Oh
my god.

Speaker 4 (06:25):
Yeah, so you can be the floridaa you stopped at Burglary.

Speaker 1 (06:30):
So anyway, so we've been talking obviously all week about
the damage from the hurricanes, and Hurricane Melissa, of course
is going to go down as one of the most
powerful Atlantic hurricanes of all time. Tore a path of
destruction across Jamaica after the storm made landfall Tuesday, is
a Category five with one hundred and eighty five mile

(06:51):
per hour winds that tied it for the strongest landfall
of all time. And then after lashing Jamaica with the
winds and flooding rain, Melissa made a second landfall in Cuba,
category three one hundred and twenty mile per hour winds.
Then it tore through the Bahamas and it's passing Bermuda
as a Category one right now, but moving extremely fast.
It's going about forty one miles per hour. That's amazing.

(07:13):
That is amazing that it's going that fast. I don't
think I've ever heard of a storm going forty miles
an hour even you know, up through the through the Atlantic.
And the good news is that it's these weather systems
that are moving across the continental US and pushing that
tropical system away from US essentially, So you're wondering, Yeah,

(07:35):
so you're wondering, why why is it so cold this morning?

Speaker 5 (07:38):
You know, Well, here you go, there's your answer. That's right.

Speaker 1 (07:40):
We had a cold front moved through and we have
these really great morning temperatures and really low highs. Tod
it around seventy degrees, so it's perfect in parts of Florida.
So the death toll from the storm hitting Jamaica is
still unclear. They know that nineteen people have died, but
it's likely many more were killed. They just can't get
to all the areas where there's damage. And thirty people

(08:02):
died in Haiti so far. No deaths reported in Cuba
so far, as many of them were able to evacuate
ahead of the storm. But the reality is that we're
just now getting an idea of what's going on in Jamaica,
and from what I've seen, it's really really bad. It
is bad, and parts of the island are still off limits.

Speaker 5 (08:23):
You can't they can't get there.

Speaker 1 (08:25):
It's going to be several days, several weeks before they
can even get in to see how bad things were
not to even begin to talk about recovery efforts, although
they say that's going to happen as quickly as possible.

Speaker 7 (08:38):
But yeah, I mean, so many homes were destroyed.

Speaker 5 (08:40):
If you look at the the.

Speaker 4 (08:42):
Aerial pictures, it looks like, you know, a tornado went
through there, but just NonStop.

Speaker 7 (08:49):
I mean, it really is just terrifying to look at.

Speaker 4 (08:52):
So hopefully they're getting relief efforts, you know, underway there
and people are getting the things that they need.

Speaker 1 (08:57):
Yeah, they certainly aren't a lot of help coming from Florida.

Speaker 5 (09:00):
You know.

Speaker 1 (09:00):
We know places in Brower County, Hillsborough County, and other
areas in the state are sending relief efforts. But the
question is how quickly can they get in there and
how far this into the country can they get it
considering how badly the infrastructure was damaged. State Farm has
announced that it's rolling out lower auto rates for Florida drivers.
So a rate cut was filed this week, and State

(09:23):
Farm said customer premiums could drop by an average of
ten percent. This is the second rate decrease the company
implemented this year. The insurance company said it's auto rates
dropped by more than twenty percent on average since October
of twenty twenty four. So that's the good news. The
bad news is for some people, the auto rates went
up forty percent over the course of the last few years.

(09:46):
So while you're getting reductions, it's not necessarily back to
the way things were before all the increases. But at
the same time, it's certainly good news to get either
a refund like we know the Progressive is expected to
hand out to customers, or just lower rates like in
the case of State Farm.

Speaker 5 (10:01):
I'm on Geico.

Speaker 4 (10:02):
I'm waiting, so I need to call and get some
new quotes on car insurance because when I first moved
back to Florida at the end of twenty twenty one,
I want to say, my car insurance was about one
hundred and twenty dollars a month, and now it's one
hundred and sixty four dollars a month.

Speaker 5 (10:18):
Which I mean, that's a deal.

Speaker 1 (10:20):
I know.

Speaker 4 (10:21):
Well that's just for me though, so that's what I'm paying.
But I really feel like I need to make some
phone calls, maybe to Geico, maybe to State Farm, and
see if I can get a lower rate, because it's
a lot.

Speaker 1 (10:33):
Yeah, I think there's no question when it comes to
auto insurance, the best thing you can do is just
keep shopping around because you will find that every year
when they were new, you're not necessarily getting the best
rate just because you're a loyal customer.

Speaker 7 (10:45):
Yeah, exactly.

Speaker 5 (10:46):
Yeah.

Speaker 4 (10:47):
Every year with Progressive it's gone up and up and up,
and then they lowered it a tiny bit. I want
to see it went down by like two bucks a
month or something like great news.

Speaker 5 (10:54):
Yeah, I said, I'm with Guygill. Still I'm still waiting.
I'm waiting for my Yes.

Speaker 1 (11:01):
Well, it is expected that most of the insurance companies
will eventually have to lower rates if they went over
the state threshold for profit margins, and that is what
we saw with Progressive here a few days ago, Governor
Desatus making that big announcement.

Speaker 4 (11:14):
So, like I said, most people who are getting that
Progressive refund, it's supposed to be about three hundred bucks coming,
I want to say at the beginning of the year.

Speaker 1 (11:21):
Well, yeah, it's it's either a refund or credit. Yeah,
anything like that. I'm still waiting. I haven't gotten it yet.
A Tampa middle school teacher arrested after he was accused
of possessing child sexual abuse material. Thirty eight year old
Tyrone Cliff working as a teacher in Hillsboro County at
the time of his arrest. He taught math and science
at Bay Shore Christian School. He has since been terminated.

(11:44):
Law enforcement investigated starting in August, Tampa police got a
tip from the National Center for Missing and Exploited Children,
and they determined that Cliff was the subject of the investigation.
They found that there was an original address assigned to
his residence, which was Spokane, Washington, and he recently moved

(12:05):
to Florida and apparently owned a martial arts studio in
Tampa Bay going back to twenty fifteen. So obviously the
concern here is his sort of constant access to children. Yeah, now,
this is separate. This is not part of that one
hundred and seventy one arrests that's to announced.

Speaker 5 (12:23):
By this promise yesterday.

Speaker 7 (12:25):
This is caught.

Speaker 5 (12:27):
This is something else, Yeah, exactly.

Speaker 1 (12:29):
But it's an example of another case where based on
sort of an electronic trail, they were able to track
him down. So today's Halloween, we obviously are in the spirit.
You guys have got these really great costumes.

Speaker 5 (12:41):
I hope you're just going good too.

Speaker 1 (12:44):
Well, we're trying, right, but we'll see who ends up
winning the company contest. But if you're somebody who likes
prizes and enjoys the Halloween spirit, you can go out
to restaurants all over parts of Florida and get some freebies.
So various you know, restaurant chains and whatnot are offering
incentives if you show up like the Chipotle Boo rito,

(13:07):
you know boo get it. Some marketing guy got paid
like a million dollars.

Speaker 5 (13:13):
For that, was stayed up all night thinking that one up.

Speaker 1 (13:16):
Yeah, if you show up in a costume, you can
get one for and I guess a whole entree for
six dollars. Krispy Kreme, of course offering the free original
glaze donut. If you show up in costume, a Sonic
has the fifty cent corn dog deal. I mean, there's
a whole list of restaurants that are that are doing things.
But you got you're out of luck with that, Krispy

(13:37):
Krean saying the way you're addressed that you can't.

Speaker 7 (13:39):
I know, my donkey dunky junkie, I'm.

Speaker 1 (13:42):
Not gonna do it, all right, Chris, thank you so much.
We appreciate it as always.

Speaker 5 (13:47):
A Ryan Gorman Show five to nine every weekday morning
on news radio. How would u f L a
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