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Only Locals Would Know: South Florida Beaches

Only locals would know…

The “Sunshine State” has so much to offer visitors and residents besides​ abundant sunshine, warm weather and beautiful coastlines.

South Florida remains a popular destination for celebrity watchers, great restaurants and nightlife and the Florida Keys are the perfect tropical getaway. If you are planning to visit South Florida beaches, make sure you are aware of what the flags mean.

You might not want to jump in the water when it’s infested with jellyfish, when there is a high surf or when currents are so strong that not even a professional swimmer could overcome them.

South Florida’s beaches use a uniform flag warning system to alert the public of potential safety risks. The flags are color-coded rather than printed with written messages. This is due, in part, to many tourists and locals that are not fluent in English, and also because colors can be easily seen from a distance when words cannot.

According to the local government, the flag color meanings are as follows:

Red flags with a “no swimming” symbol indicate that the water is closed to the public. This includes swimming, boating, surfing, fishing, and wading.

Red flags without a symbol indicate a high hazard from surf and/or currents. While not recommended, swimming and surfing are still permitted if there is a red flag present. However, you should use extreme caution and only go in the water if you are a very strong swimmer.

Yellow flags indicate a medium hazard from moderate surf and/or currents; strong swimmers can still dive in with fairly mild risks.

Green flags indicate a low hazard with calm conditions, but beachgoers should still exercise caution, especially when children are present.

Blue or purple flags indicate a hazard from dangerous marine life, such as a high concentration of poisonous jellies, stingrays, or sharks. These flags are used in conjunction with a red, yellow, or green flag that indicates the current surf/current conditions.

Now that you know what the flag warning system means, go and enjoy South Florida Beaches.

According to the Miami Herald these are the best South Florida beaches in Miami-Dade, Broward and The Florida Keys.

Miami – Dade Beaches


Where: On A1A from 163rd Street to the Broward County line

Crowd: Local residents and families.

Details: William Lane’s new exuberant, Deco-styled pavilion at 163rd Street revisists Sunny Isles Beach’s 1950s-futurism, even though the kitschy area motels are rapidly falling victim to condo creep. Few amenities here, but the beach is fine, and only locals know about it. As for Golden Beach, forget it. That’s for residents only.


Where: On A1A around 10800 Collins Avenue

Crowd: Families, nudists

Details: This long, sloping beach would be rather unremarkable save for one thing: The northernmost section is clothing optional. Otherwise, it’s a somewhat run-down and rugged beach that could use a little refurbishing. Other than serving as Miami-Dade’s only legal haven for nudists, Haulover offers the usual amenities: picnic area, showers, lifeguards and concession stands.


Where: From 87th Terrace to 96th streets

Crowd: Somewhat older residents.

Details: A wholly unpretentious area with a walking path, dunes and no clutter.


Where: On A1A and 72nd Street in Miami Beach

Crowd: Nature lovers

Details: Find long stretches of sand, picnic areas, better than average restrooms, showers and lifeguards. A good nature-lover’s spot, as well, with areas of sea grapes, dunes and decent sand. An often overlooked, but charming gem among Miami-Dade beaches.


Where: Between 22nd and 46th streets behind the hotels.

Crowd: Tourists

Details: The appearance of luxury hotels – Faena, Soho Beach House and Edition, among others – has transformed this beach, which once had a distinct lack of ambiance. You can stroll the boardwalk, but you’re probably not going to come here unless you’re staying in one of the hotels.


Where: Along Ocean Drive from the Government Cut area to about 22nd Street.

Crowd: Anything goes – and does.

Details: The ocean is still the best thing South Beach has to offer. You’ll see tourists and natives here. The natives are usually riding bikes, Rollerblading or running along the path that winds all the way down to South Pointe Park Pier. The fitness-minded work out on the equipment in Lummus Park at Ninth Street,


Where: On Key Biscayne south of the Seaquarium (4000 Crandon Blvd.)

Crowd: Families from inland Miami.

Details: It has a long stretches of soft sand for spreading the towel out and soaking up the sun. Palm trees dot the sand and make shade. This is actually the perfect beach for families. There are lifeguards, some concessions and picnic areas with tables and grills.


Where: End of Key Biscayne.

Crowd: Families, snorkelers.

Details: The well-shaded beach and park is beloved by families who spend weekends at the plentiful barbecue grills and picnic tables, play areas and restrooms. For those seeking serenity, this is one quiet spot to absorb nature. Cape Florida, located at the farthest end of Key Biscayne offers 1.25 miles of sandy beach. Bring along the snorkel and fins, because there’s lots of interesting sea life a few yards away from shore.


Where: 9610 Old Cutler Road in Miami.

Crowd: Families, on the young side.

Details: This isn’t really a beach per se, but it boasts a man-made atoll pool that gets its waters from the tides sweeping Biscayne Bay. The bottom is rather slimy and murky but the surrounding park is lovely and families love it here for good reason. There are picnic pavilions and nature trails.


Where: 9698 SW North Canal Dr., Homestead.

Crowd: Families hunkering down around the BBQ.

Details: Features an atoll beach with amenities including a marina, snack bar, barbecue grills, rental picnic shelter, a playground and lifeguards.

Broward County Beaches


Where: Southeast 10th Street to the Palm Beach County line.

Crowd: Families, fans of fishing, surfers.

Details: A 980-foot pier at the north end provides a great spot to fish (or watch other people fish). Surfing is allowed on the north side of the pier, and volleyball courts are available.


Where: Atlantic Boulevard to Northeast 16th Street.

Crowd: Water sport aficionados, anglers, families.

Details: This big, broad beach has the staples: picnic areas, playground, volleyball courts and parking. It also boasts a municipal pier with a snack bar. Fish from the pier. You can rent a pole; the nearby tackle shop sells bait. Surfers can do their thing north of the pier. Rent water equipment or launch your own – launch area is Northeast 16th Street.


Where: At Commercial Boulevard.

Crowd: Tourists, families with small kids, some locals.

Details: Feel like you’re on vacation even if you live 10 miles away. The town is full of Old Florida-style shops and restaurants, offering ice cream, seashell wares and food served al fresco. Cute motels and Anglin’s Fishing Pier add to the charm. There are no lifeguards, so swim at your own risk.


Where: From Harbor Beach north of Port Everglades Inlet to Oakland Park Boulevard.

Crowd: Everyone. Tourists, families, nature lovers, sports fans, shoppers, spring breakers.

Details: Starting from the south: Harbor Beach, between Port Everglades Inlet and the 17th Street Causeway, boasts powder-soft sand but access is tricky, with no parking in sight. Instead, walk or bike or stay in one of the hotels that front the beach. Families cluster south of Las Olas Boulevard, near the playground and picnic tables, as well as volleyball and basketball courts and equipment rentals. More action awaits just north of Las Olas Boulevard, with the landmark Elbo Room, bars, restaurants, shops, bikers, in-line skaters and that lovely beach wall. At Sunrise Boulevard, Hugh Taylor Birch State Park has a tunnel to the beach; here you can picnic, camp, bike, canoe and more. Serenity reigns as you head north to Oakland Park Boulevard: no shops, no tourists (well, fewer tourists) and also, inevitably, scarce parking.


Where: 6503 N. Ocean Dr., Dania Beach.

Crowd: People who prefer wetlands to hotels and t-shirt shops as a beach backdrop.

Details: The 251-acre park, adjacent to Port Everglades, offers a subtropical coastal hammock with nature trail, wetlands area, picnicking, kayak and canoe rentals and a boat ramp. It sits between the Atlantic and the Intracoastal Waterway.


Where: Dania Beach Boulevard.

Crowd: Folks who love the beach, but not the crowds.

Details: Despite its location near Fort Lauderdale-Hollywood International Airport, Dania Beach is a quiet little jewel with a fishing pier, tiki-style huts and soft sand. If you get hungry, there’s a Quarterdeck restaurant on the pier.


Where: North of Hallandale Beach Boulevard; North Beach Park is at Sheridan Street.

Crowd: Families, couples, exercise buffs and, when the season is right, snowbirds from Quebec.

Details: Hollywood offers a beach for everyone. Want to sunbathe against a backdrop of faded glory? Stake out some sand in front of the old Hollywood Beach Resort at Hollywood Boulevard. Want to shop, bike, eat, people-watch or hear a beachside concert? Hit the Broadwalk; the band shell is at Johnson Street. Want to take the family out for a nature-friendly day in the sand? Try North Beach Park at Sheridan Street, where a sea-turtle hatchery adds an eco note to the fun. The north and south ends of Hollywood Beach are comparatively quiet and uncrowded, with peak activity around the giant Margaritaville resort, which towers over the smaller mom-and-pop motels and businesses.


Where: Hallandale Beach Boulevard and State Road A1A.

Crowd: Condo dwellers

Details: The landmark beach ball water tower stands guard over the county’s southernmost shores. So do the condos. The beach offers bocce ball courts as well as showers, lifeguards, a playground and concession stands.

The Keys


Where: Near the south end of White Street on Atlantic Boulevard in Key West.

Crowd: Families, tourists.

Details: This beach is on the small side, but includes picnic shelters and a pier.


Where: On South Roosevelt Boulevard west of the airport in Key West.

Crowd: Volleyball players, sunbathers, tourists. (It’s Key West, after all.)

Details: A long stretch of sand populated with palms, the beach is a nice place to seek refuge from the excesses of Duval Street. Volleyball nets beckon, as do rental options for water sports.


Where: Between Mile Markers 36 and 37 on Bahia Honda Key.

Crowd: Campers, snorkelers, explorers, fishermen, boaters, shallow-water wanderers and gazers.

Details: You can do just about anything here. Stay overnight in a cabin or tent and wake to the golden sunrise. Swim in the Atlantic or the Florida Bay. Wade through shallow, crystal-clear water. Ride a bike. Boat, fish or just park yourself on the attractive sand and relax.

What to Look for in a Bank for Your International Business

An international business, by definition, has either clients or foreign providers. Thus, a qualified financial entity is necessary to allow it to receive and make payments and perform other relevant business transactions. 

The Cambridge Business Dictionary describes international banking as financial arrangements, such as lending money, for companies and banks in other countries. International banking is just like any other banking service, but it takes place across different nations. 

South Florida is home to many multinational companies. Therefore, we naturally have several individuals concerned with global banking services for transacting business. 

For these international businesses, having a relationship with a bank that offers international banking services is essential. These services range from payment accounts to lending. An international bank will facilitate international business arrangements and transactions that may be unfeasible for domestic banks. 

International banks are key facilitators of international trade, fulfilling an important role not covered by other institutions. These include offering payroll services for companies with employees and contractors in other countries, or letters of credit to ensure that companies in different countries pay one another for goods and services. They also offer financing services to support the capital required to import and export goods.

What is the Best US Bank for International Business? 

Here are some important things to consider:    

  • Currencies: In many cases, it will be essential that the bank you select deals in multiple currencies regularly as Banesco USA does. 
  • Accessibility and Presence: An international bank should provide the customer the ability to do business with ease in foreign countries, and in some cases even have a branch presence in relevant local markets. 
  • International Transactions: The ability to make international bill payments without major interruption is critical to these companies as they pay and also receive money. 
  • Qualified Customer Support: It’s also important that the bank you choose has personnel and call center support that is experienced and trained in the transactions and languages common to your international business.  
  • Robust Online and Mobile Banking Platform: These platforms can be essential to doing business across countries with different time zones and bank holidays that differ from your own, helping to reduce unnecessary delays and interruptions in business throughout the year. 
  • Specialized International Teams: Having bankers with a deep understanding of various industries, cultures, and business environments is invaluable in running an international business. 

best US bank for international business

Banesco USA International Banking Services 

Banesco USA offers a wide range of international banking services including: 

  • Experience: Banesco USA’s international roots create an institution attuned to the needs of diverse and increasingly international communities. This includes international personal banking services that are attractive to many business owners.
  • Presence: Representative offices in 13 countries and territories via its affiliation with Banesco International and partner companies (Argentina, Colombia, Dominican Republic, France, Germany, Mexico, Panama, Portugal, Puerto Rico, Spain, Switzerland, United Kingdom, and Venezuela).
  • Business Checking Accounts: With features like unlimited checks, no maintenance fees when maintaining the minimum daily balance required, online and mobile banking, electronic statements at no charge. 
  • Business Savings Accounts: With features to open savings accounts online, interest earned credited into your account at the end of the statement cycle, no maintenance fees when maintaining the minimum daily balance required, online and mobile banking, and electronic statements at no charge.
  • Money Market Accounts: Immediate account access, interest earned credited into your account at the end of the statement cycle, no maintenance fees when maintaining the minimum daily balance required, online and mobile banking, electronic statements at no charge. 
  • Certificates of Deposits: Competitive rates and a wide variety of terms for international business customers, from 30 days to 5 years. You can choose your own payment schedule, either monthly, quarterly, semi-annually or at maturity. CDs are subject to early withdrawal penalties.
  • Partnership with Local Agency: Where we refer our customers for investment needs. 

Don’t forget to make sure to have all your documents are up-to-date to open an account.

What Will an International Bank Need From You?

For international banking, the bank will:

  • Confirm your identity: Normally, all banks will need official documents to confirm your identity for safety purposes. 
  • Ask about your overall business goals and expectations: a bank will need to understand the nature of your business and what you want to achieve moving forward. 
  • Inquire about the origin of your deposits: a bank will need specific information on large deposits. 
  • Ask for legitimate references: banks need to confirm if it’s a reputable company. 
  • Analyze your risk as a customer: banks need to know if you would be able to pay back loans. 

If you are looking to open an International Business Account, you can reach one of Banesco USA’s experienced personal bankers by calling +1 (888) 228-1597, or by visiting one of our convenient branch locations.  

The Benefits of Doing Business in South Florida 

Doing business in Florida sounds like a good idea, right? Not only is South Florida a warm and sunny place to live, but it’s also actually an excellent location to start a business. Whether you are starting a company, opening a new location or moving your headquarters, the Sunshine State has some great advantages to enjoy. 

Florida is home to the fourth-largest economy in the nation. Its growth in 2018 significantly outpaced the U.S. at large at a rate of 3.5% compared to 2.9%. Small businesses form a big part of Florida’s economic landscape, making up 99.8% of all businesses and employing 3.3 million people, representing more than 42% of the state’s workforce.

Financial Freedom and Taxes

Florida is one of only seven states in the country that doesn’t have a personal income tax making it a very attractive location for corporate legal entities, such as LLCs. The state’s sales tax for rented or purchased goods sits at 6% and corporations must file a corporate income tax return at a low top rate of 5.5%. This means you’ll be able to keep more of your money exactly where it belongs — in your bank account. If you’re looking for a prosperous place to start a business, South Florida may well go to the top of your list. 

Recognizing that businesses need certainty, predictability, and efficiency, Florida’s regulatory agencies and local governments have in recent years made efforts to provide quicker, less costly and more predictable permitting processes for significant economic development projects. Ready assistance and access to enterprise bonds, micro-loans, and a growing venture capital sector further contribute to Florida’s reputation as a great place to do business.


Of course, South Florida is one of the most popular tourist destinations in the country. The relatively mild year-round weather and stream of events make for a favorable climate for steady sales and welcoming new opportunities without some of the more profound seasonal shifts found in other parts of the country. In fact, South Florida’s tourism today supports many businesses throughout the year.

Entrepreneurial Scene and Location 

South Florida has a dynamic and active entrepreneurial environment with annual small business startup activity growth hovering around 3.7% and SBA loan approvals increased by more than 56% between 2012 and 2015. That’s great news as having a thriving entrepreneurial community helps create a business atmosphere with the ongoing demand for various types of resources and support. 

Growth Economy

Florida is also a strategic and economic center of the Americas. A prime geographic location offering relative economic and political stability has put Florida at the center of trade and finance throughout much of the Western Hemisphere.

Florida is also home to a growing body of investment capital from venture capitalists and angel investors, making it an increasingly attractive place to start or growing a business. 

“The idea that you have to be in huge metropolitan areas like New York or Silicon Valley for access to capital is overblown,” said Andy Latimer, founder, and CEO of Bluewater Media. “The stable business environment in Florida makes business here ripe for investment.  Also, the walls of access to large markets have been broken down by technology.”

Today, Florida is home to several economic hubs considered to be incubators of innovation and startups. 

Diverse Communities 

Florida’s workforce is also one of the most culturally and linguistically diverse in the nation. More than 3.2 million Florida residents were born outside the U.S., and 4.4 million are speakers of languages other than English. Best represented are speakers of Spanish (3.2 million), Indo-European languages (875,000) and Asia and Pacific Islander languages (218,000).

With more than 150 banks across the state, South Florida has a great sense of community and supporting local businesses. Banesco USA offers a wide variety of services and loans to support many different businesses looking to grow in South Florida. To learn more about Banesco’s business loans please read our business loans (linked) article to learn about our services. With five business centers in South Florida – Coral Gables, Doral, Hialeah, Weston, and Aventura, we are here to help you grow and succeed. 

If you are looking to starting a business in South Florida, you can reach one of our experienced personal bankers by calling +1 (888) 228-1597, or by visiting one of our convenient branch locations.  



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