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Trends in Community Banking; Stories From Hurricane Irma

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Episode 436: 09-28-17

Trends in Community Banking

T.L. Brown is Senior Vice President and Director of Growth Strategies and Client Experience at Gibraltar Private Bank and Trust in Miami, FL.

Brown is responsible for developing strategy to ensure client satisfaction, supporting the Private Banking, Wealth Management and Lending divisions and oversight of the marketing and public relations and Treasury Management Services teams.

Brown has almost 30 years of experience in financial services, with expertise in marketing, sales management and the client experience.

Jim and T.L. discuss the changing role of community banks and how Gibraltar is evolving to meet the challenge.

Stories From Hurricane Irma

Jim Fried has had a very interesting experience since Hurricane Irma was forecast to make landfall in South Florida. He discusses what he’s seen throughout the storm and the recovery. Great stories of people coming together to face adversity.

Vivian Fried Kidney Transplant Update

Jim’s wife, Vivian Fried, still needs a kidney donor urgently. She is staying strong and upbeat! Please help!!

Donations are welcome. Visit .

For an update on Vivian and her search for a kidney transplant, watch her interview on WPLGTV10 in Miami:

For information on kidney donation, email R1125@renewal.org

Episode 436: 09-28-17

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Welcome to Jim Fried's Youtube Channel. Jim is the host of the podcast, Fried on Business.

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Jim Fried
Zoning has always been one of the most powerful—and most underutilized—tools in real estate investing. In this episode of Fried On Business, Jim Fried sits down with Olivia Ramos, founder of DeepBlocks, to explore how artificial intelligence is transforming the way investors understand and leverage zoning data. Disclosure: Jim Fried owns stock in DeepBlocks Olivia explains how DeepBlocks was built to solve a fundamental problem: zoning information is complex, fragmented, and often difficult to interpret at scale. Traditionally, investors relied on manual research, local expertise, and time-consuming analysis to uncover development potential. DeepBlocks changes that by using AI to process large amounts of zoning data quickly, identifying opportunities that might otherwise go unnoticed. The conversation highlights how technology is shifting the competitive landscape. Investors who can analyze zoning faster and more accurately gain a significant advantage in sourcing deals, evaluating sites, and optimizing land use. Olivia shares how the platform helps users understand what can be built, where density can be increased, and how regulatory constraints impact value. Jim and Olivia also discuss the broader implications of AI in commercial real estate. As tools like DeepBlocks become more sophisticated, they are not replacing human judgment—they are enhancing it. By providing better information, faster insights, and clearer scenarios, AI allows developers, investors, and planners to make more informed decisions. Listeners will learn how zoning intelligence can uncover hidden value, reduce risk, and improve deal execution. Olivia also shares her perspective on where the industry is heading and how professionals can adapt to a more data-driven environment. If you want to understand how technology is reshaping real estate from the ground up—literally—this episode offers a compelling look at the intersection of AI, zoning, and investment strategy. This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480
From Data to Deals: How AI Is Changing Real Estate Development
YouTube Video UC8i-nQrtOUkBeNxca81shuw_MKo3Tn8e_fA
Jim Fried - Why Florida's retail market is outperforming the U.S.
YouTube Video UC8i-nQrtOUkBeNxca81shuw_IG3EPVMRxr4
For years, retail real estate was written off as the weakest sector in commercial real estate. E-commerce growth, changing consumer habits, and shifting tenant demand led many to believe that brick-and-mortar retail was in permanent decline. In this episode of Fried On Business, Jim Fried explains why that narrative has changed—and why retail has suddenly become one of the hottest sectors in today’s market. Jim breaks down the key drivers behind retail’s resurgence. One of the most important factors is supply. Over the past decade, very little new retail space was developed, which has created a shortage in many markets. At the same time, demand has remained steady or even grown, particularly for well-located, experience-driven retail environments. The episode also explores how retail has evolved. It is no longer just about selling products—it is about creating experiences. Restaurants, fitness centers, service providers, and entertainment concepts are now critical components of successful retail centers. These tenants bring consistent foot traffic and are less vulnerable to online competition. Jim discusses how the shift in tenant mix has strengthened the sector. Landlords are more selective, focusing on quality tenants that complement one another and create a destination. This curated approach leads to stronger occupancy, better rent growth, and more resilient assets. Listeners will also learn why capital is flowing back into retail. Compared to other sectors facing uncertainty, retail offers relative stability when properly managed. Jim explains how investors are reevaluating the space and why disciplined underwriting remains essential. If you’ve been ignoring retail based on outdated assumptions, this episode offers a fresh perspective on why the sector is thriving—and how strategic thinking is driving its success. This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480
From Dead to Dominant: The Surprising Rise of Retail Real Estate
YouTube Video UC8i-nQrtOUkBeNxca81shuw_4RHs5myTv9g
Jim Fried - Smart Investors' Playbook: Retail 'Unicorns' What are mart investors focusing on today?
YouTube Video UC8i-nQrtOUkBeNxca81shuw_h92S9Tz2Q8k
No issue is impacting commercial real estate more right now than interest rates. In this episode of Fried On Business, Jim Fried breaks down why elevated borrowing costs have become the defining force reshaping the CRE market—and what investors, developers, and owners need to understand moving forward. Jim explains how high interest rates affect every layer of the market. Debt is more expensive, valuations are under pressure, refinancing has become significantly more difficult, and many deals that once worked simply no longer pencil. Assets purchased under low-rate assumptions are now facing serious challenges as debt maturities approach and lenders apply tighter underwriting standards. Throughout the episode, Jim discusses how this environment is slowing transaction volume while simultaneously creating selective opportunity. Sellers anchored to yesterday’s pricing often struggle to meet buyers where the market now sits. At the same time, disciplined investors with liquidity and patience may find opportunities as repricing continues. Jim also explores how elevated rates are changing behavior. Developers are delaying starts, sponsors are restructuring capital stacks, and borrowers are seeking creative financing solutions to bridge the gap. He explains why the cost of capital now matters more than almost any other underwriting variable and why ignoring rate sensitivity is no longer an option. Listeners will gain a practical understanding of how to think through this environment strategically. Jim emphasizes that high-rate periods reward discipline, conservative assumptions, and strong relationships with lenders and capital partners. While painful for some, this market is also creating a reset that may produce healthier fundamentals over time. If you operate in commercial real estate—or simply want to understand why the market feels frozen in some places and stressed in others—this episode offers a clear framework for interpreting the rate-driven reality of today’s CRE landscape. This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480
The Interest Rate Problem: Why CRE Has Changed
YouTube Video UC8i-nQrtOUkBeNxca81shuw_75UU_21UINw
Jim Fried - From Driving Roads to Data: How Real Estate Evolved How to cope with what comes next #AI
YouTube Video UC8i-nQrtOUkBeNxca81shuw_QtlcHcwfaQU
In a world filled with emails, texts, and endless notifications, one simple habit still stands out: returning phone calls. In this solo episode of Fried On Business, Jim Fried explains why this small act of responsiveness carries significant weight in business relationships and long-term success. Jim shares how returning a call is more than just good manners—it’s a signal of professionalism, respect, and reliability. When someone takes the time to reach out, responding promptly communicates that you value the relationship. Over time, that consistency builds trust, and trust is what drives deals, partnerships, and opportunity. Throughout the episode, Jim reflects on how many professionals underestimate the impact of communication habits. Missed calls often lead to missed opportunities, not because the deal was perfect, but because the relationship was neglected. He explains how responsiveness can differentiate you in competitive environments where technical skills alone are not enough. Jim also discusses the broader mindset behind this habit. Returning calls is about discipline—doing what you say you will do, following through, and showing up consistently. It’s not about perfection; it’s about reliability. Even a brief response can maintain momentum and keep relationships intact. Listeners will learn how small, repeatable actions compound over time. A returned call can open doors, resolve misunderstandings, and create connections that lead to future business. Jim emphasizes that in many cases, success is less about grand strategies and more about executing simple fundamentals well. This episode is a reminder that professionalism is often demonstrated in the smallest details. If you want to stand out, build stronger relationships, and create more opportunity, start with something simple: return the call. This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480
Success Starts with a Call Back
YouTube Video UC8i-nQrtOUkBeNxca81shuw_aAtJ_QrU1U4
Black swan events are, by definition, unpredictable—but their impact on markets, businesses, and individuals can be immediate and severe. In this episode of Fried On Business, Jim Fried explores how to survive—and position yourself during—these rare but powerful disruptions. Jim begins by explaining what makes a black swan event different from normal market volatility. These are not gradual shifts or expected corrections; they are sudden, high-impact occurrences that challenge assumptions and expose vulnerabilities. Because they cannot be predicted with precision, the focus must shift from forecasting to preparation. Throughout the episode, Jim emphasizes that resilience is built before the crisis arrives. Strong balance sheets, conservative underwriting, diversified relationships, and flexible capital structures create optionality when others are forced into reactive decisions. He explains how maintaining liquidity and avoiding overextension allow leaders to withstand shocks and remain in control. Jim also discusses the psychological component of black swan events. Fear, uncertainty, and rapid change can lead to poor decisions. Leaders who stay grounded, communicate clearly, and resist emotional reactions are better positioned to navigate chaos effectively. He highlights how disciplined thinking—rather than speed—often determines outcomes in volatile moments. Listeners will learn how to reframe black swan events not only as risks but also as opportunities. When markets dislocate, assets reprice, and competition pulls back, those who prepared can step forward strategically. This episode offers a clear, practical perspective for anyone operating in uncertain environments. Whether you are an investor, entrepreneur, or business leader, the lesson is consistent: you may not control the event, but you can control your preparation and your response. This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480
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YouTube Video UC8i-nQrtOUkBeNxca81shuw_o_xkJ98JlCY
Broadcast media is evolving quickly—and so are the facilities that support it. In this episode of Fried On Business, Jim Fried sits down with Andrew Ansin, CEO of Sunbeam Enterprises, to discuss how strategic real estate decisions are shaping the future of television operations in South Florida. Andrew shares the thinking behind relocating both WSVN Channel 7 and Miami’s new ABC affiliate Channel 18 to a newly developed commercial campus in Miramar. The move represents far more than a change of address. It reflects a broader vision to modernize infrastructure, improve operational efficiency, and position Sunbeam Enterprises for long-term growth in an increasingly competitive media environment. The conversation also explores the redevelopment of Sunbeam’s longtime station property in North Bay Village. Andrew explains how legacy broadcast sites often sit on underutilized land and how careful planning can unlock significant value while supporting evolving business needs. Jim and Andrew discuss zoning, logistics, capital planning, and the coordination required to execute complex transitions at scale. Listeners will hear how leadership discipline, long-term perspective, and adaptability guide decision-making in both media and real estate. Andrew shares insights into balancing innovation with continuity, ensuring employees transition smoothly, and aligning operational strategy with real estate development goals. This episode highlights how forward-thinking companies approach change—not reactively, but strategically. Whether you work in media, real estate, or corporate leadership, Andrew’s perspective offers a valuable look at how large organizations reinvent themselves while protecting what matters most. If you want to understand how media infrastructure and real estate strategy intersect, this conversation provides a clear and practical roadmap. This episode of Fried on Business is brought to you by our presenting sponsor, Warren Henry Auto Group. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/6126418013716480
Andrew Anson discusses relocating his Miami TV stations and redeveloping the sites
YouTube Video UC8i-nQrtOUkBeNxca81shuw_uZHtNORRLtE
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