1 00:00:03.390 --> 00:00:05.430 Johny Fernandez: Hey, what's up everyone. I'm Johny Fernandez 2 00:00:05.430 --> 00:00:08.460 and today we are at the UN Plaza Grill where we're gonna meet up 3 00:00:08.460 --> 00:00:11.970 with Paul Boxer, also known as a Kosher Guru. So we're going to 4 00:00:11.970 --> 00:00:15.180 talk about the industry today and also get some really, really 5 00:00:15.180 --> 00:00:18.540 good food. I'm super excited to be here and I'm also excited to 6 00:00:18.540 --> 00:00:20.580 take you guys with us. So let's go check it out 7 00:00:36.300 --> 00:00:39.630 Alright, so we made it to the table. Paul boxer, also known as 8 00:00:39.630 --> 00:00:42.060 the Kosher Guru. We're here at the UN Plaza Grill. 9 00:00:42.120 --> 00:00:44.760 Kosher Guru: Firstly, Johnny, thank you so much for like, you 10 00:00:44.760 --> 00:00:47.100 know, inviting me having me and of course, what you don't know 11 00:00:47.100 --> 00:00:48.060 yet paying for dinner? 12 00:00:49.470 --> 00:00:51.300 Johny Fernandez: Corporate credit card. Exactly. Thanks, 13 00:00:51.300 --> 00:00:55.080 Sean. To get a breakdown of what exactly is on here. Who do we 14 00:00:55.080 --> 00:00:55.380 have? 15 00:00:55.590 --> 00:00:57.120 Kosher Guru: I would not even know how to answer that question 16 00:00:57.120 --> 00:01:01.170 without Kenny who is the manager here at UN Plaza Grill and he is 17 00:01:01.170 --> 00:01:04.500 about to tell us what we have on the table over here. 18 00:01:04.590 --> 00:01:05.910 Johny Fernandez: Kenny what do we have here? 19 00:01:06.050 --> 00:01:09.020 Unknown: So what we have and we have porcini white mushrooms and 20 00:01:09.020 --> 00:01:14.030 truffle soup. Then we have a sushi tower, which is salmon, 21 00:01:14.270 --> 00:01:18.680 tuna, avocado finished by spicy teriyaki. And here we have a 22 00:01:18.680 --> 00:01:22.910 spicy lamb samosas with the mango salsa. And those are 23 00:01:22.910 --> 00:01:27.590 chicken lollipops, boneless pan fried with this future sauce and 24 00:01:27.590 --> 00:01:32.570 finished with sesame seeds. And we also steak tacos. Yeah, the 25 00:01:32.960 --> 00:01:34.130 avocado mousse. 26 00:01:34.450 --> 00:01:36.730 Kosher Guru: How did you know that brokers love tacos, like in 27 00:01:36.730 --> 00:01:40.360 our industry. Tacos is like one of the most sought after dishes 28 00:01:40.360 --> 00:01:44.260 that our industry loves. So we got the tacos. You asked what do 29 00:01:44.260 --> 00:01:47.050 we wanted? I said just look up some appetizers. And Johnny I 30 00:01:47.050 --> 00:01:47.590 think he did. 31 00:01:48.430 --> 00:01:50.500 Johny Fernandez: Wow, he did well. And I think the reason why 32 00:01:50.500 --> 00:01:52.540 everyone likes tacos is because it's quick. It's easy. It's just 33 00:01:52.540 --> 00:01:53.260 like finding a deal. 34 00:01:53.500 --> 00:01:57.940 Unknown: Yeah, exactly. Alright, well, thanks so much. 35 00:01:57.970 --> 00:01:59.620 Enjoy. Enjoy. 36 00:01:59.650 --> 00:02:02.830 Johny Fernandez: Do you want to go in for this first for the 37 00:02:02.830 --> 00:02:04.510 soup? Try it. 38 00:02:04.780 --> 00:02:08.200 Kosher Guru: Maybe I'm gonna take a look at that 39 00:02:08.230 --> 00:02:10.000 Johny Fernandez: This is this smells really good. People at 40 00:02:10.000 --> 00:02:11.830 home. This smells like a 41 00:02:12.090 --> 00:02:14.970 Kosher Guru: Kenny. Sound like a bass did a good job over here. 42 00:02:15.000 --> 00:02:17.520 But Johnny, let me tell you something. What's going on? I 43 00:02:17.520 --> 00:02:21.630 always joke around when I do my Instagram and other videos about 44 00:02:21.630 --> 00:02:25.890 smell vision. When you cut into it the porcini mushroom mouth 45 00:02:25.890 --> 00:02:28.230 for sure. The aromas are just hitting you. 46 00:02:28.230 --> 00:02:32.070 Johny Fernandez: It's great. So let's get let's talk shop real 47 00:02:32.070 --> 00:02:35.220 quick. The industry in general. I mean, what changes? Have you 48 00:02:35.220 --> 00:02:39.660 seen good changes, different changes since 2020? You know, 49 00:02:39.660 --> 00:02:42.600 Fast Forwards now, I guess what are some of the changes you've 50 00:02:42.600 --> 00:02:44.100 been able to see? Okay. 51 00:02:45.470 --> 00:02:49.520 Kosher Guru: The industry, especially with the onset of 52 00:02:49.550 --> 00:02:52.040 COVID. And where we've come, it's almost I think two years 53 00:02:52.040 --> 00:02:54.860 now a year and a half? Yeah, there have been a lot of changes 54 00:02:54.980 --> 00:02:58.130 that I've personally seen in the industry, from within Thrive 55 00:02:58.130 --> 00:03:02.180 capital and within our platform. And amongst other funders as 56 00:03:02.180 --> 00:03:06.050 well. One of the biggest things that we really have seen a 57 00:03:06.050 --> 00:03:12.410 change in is accountability, trust and integrity, and really 58 00:03:12.590 --> 00:03:17.210 compliance, even by us, they are so into compliance right now, 59 00:03:17.540 --> 00:03:21.860 where an application has to follow almost 10 to 15 points 60 00:03:22.970 --> 00:03:26.150 along the process for it to be properly uploaded and released. 61 00:03:26.150 --> 00:03:29.480 They want to make sure everything matches it's there 62 00:03:29.480 --> 00:03:34.610 it's real compliance on another level is that when a deal funds, 63 00:03:34.940 --> 00:03:38.990 that there's also a text link that's sent out to the merchant 64 00:03:39.080 --> 00:03:41.360 to make sure that the merchant actually is the one that signed 65 00:03:41.360 --> 00:03:44.330 it to their cell phone. Yeah. Besides just the funding call 66 00:03:44.330 --> 00:03:46.700 and sign the contract. I see that overall within our 67 00:03:46.700 --> 00:03:53.000 industry, that compliance has been at the forefront of where 68 00:03:53.570 --> 00:03:56.990 the issue is going. Unfortunately, Johnny, you know 69 00:03:57.020 --> 00:03:59.990 that many years ago, the industry was going this way and 70 00:03:59.990 --> 00:04:03.140 going that way. I think right now, especially going into 2022. 71 00:04:03.380 --> 00:04:07.550 The industry is on a great path into accountability, trust, 72 00:04:07.550 --> 00:04:10.730 integrity, compliance, and I see more of that coming down the 73 00:04:10.730 --> 00:04:16.250 line with IT across many funders, making sure that deals 74 00:04:16.250 --> 00:04:18.950 are, what they should be, what they're supposed to be 75 00:04:19.130 --> 00:04:22.070 accounting, accountability and underwriting is what it should 76 00:04:22.070 --> 00:04:25.550 be. And I think that going in the right direction for the 77 00:04:25.550 --> 00:04:30.530 future, is making sure that we are on the same path as funders 78 00:04:30.530 --> 00:04:32.600 where we are being held accountable and there's 79 00:04:32.600 --> 00:04:34.670 accountability there. Miami, let's talk about Miami lets talk 80 00:04:34.670 --> 00:04:38.090 Miami. First of all, I love Miami. I spent all summer in 81 00:04:38.120 --> 00:04:40.730 South Florida and Aventura looking forward to going back 82 00:04:40.730 --> 00:04:44.180 this year as well. I know people say you don't go to Florida in 83 00:04:44.180 --> 00:04:46.370 the summer but for me just with all the kids off of school, 84 00:04:46.370 --> 00:04:49.400 everything else it worked. It was just the right move for us. 85 00:04:50.000 --> 00:04:55.130 Before COVID The majority of my ISOs were based in New York, the 86 00:04:55.130 --> 00:04:56.930 tri state area we'll call it whether it's New York, 87 00:04:56.930 --> 00:05:00.020 Connecticut, New Jersey, and Florida I had a sprinkling 88 00:05:00.020 --> 00:05:04.790 California sprinkling, you know, across the country. But today I 89 00:05:04.790 --> 00:05:09.350 see that so many brokers, even funders, as well have made that 90 00:05:09.350 --> 00:05:14.090 move down to Florida, whether it's for state tax purposes, or 91 00:05:14.090 --> 00:05:18.440 just to relocate, or because of COVID restrictions and the 92 00:05:18.440 --> 00:05:21.470 communities that they're in to get out. Whatever reason it is, 93 00:05:21.680 --> 00:05:26.630 I see more and more brokers every day opening up in Miami 94 00:05:26.630 --> 00:05:29.330 and contacting us to sign up with us to fund with us. And 95 00:05:29.330 --> 00:05:32.750 I've never seen the amount, literally, as I see now. 96 00:05:32.820 --> 00:05:35.430 Johny Fernandez: So let's talk about their experience here. 97 00:05:35.460 --> 00:05:38.430 What have they said? I mean, what what's been the Miami life 98 00:05:38.520 --> 00:05:41.520 is does it live up to its hype, especially in this industry? 99 00:05:41.520 --> 00:05:44.580 When you relocate the entire business down to Miami? Is it 100 00:05:44.580 --> 00:05:47.220 worth it? Was it worth it to a lot of people that you've met 101 00:05:47.220 --> 00:05:48.060 that have moved down there? 102 00:05:48.360 --> 00:05:50.730 Kosher Guru: Not only do they think that's just happens to be 103 00:05:50.760 --> 00:05:58.590 delicious, this is really good. Not only is it worth it but New 104 00:05:58.590 --> 00:06:01.170 York City used to be the city that never sleeps, the Big 105 00:06:01.170 --> 00:06:05.520 Apple, Miami right now. And whether you want to talk about 106 00:06:05.640 --> 00:06:10.440 the COVID restrictions or non restrictions down there. The 107 00:06:10.440 --> 00:06:14.730 nightlife, the restaurants, the small businesses, Miami is 108 00:06:14.760 --> 00:06:18.990 popping South Beach, Miami Beach, you know, up and down all 109 00:06:18.990 --> 00:06:22.650 of Collins, Aventura, South Florida and of course, even 110 00:06:22.680 --> 00:06:26.760 upwards. You want to go further up into Tampa and Orlando, there 111 00:06:26.760 --> 00:06:29.640 are so many people that made the move. They're enjoying life, 112 00:06:29.670 --> 00:06:32.130 they're enjoying the business. And when I also heard it quite a 113 00:06:32.130 --> 00:06:36.510 few years ago, it was hard to find. Team members employees 114 00:06:36.510 --> 00:06:41.400 labor in Florida. Now, I'm telling you people, Tommy Paul, 115 00:06:41.490 --> 00:06:44.190 we opened up tomorrow our shop is filled, that filled with 116 00:06:44.220 --> 00:06:48.600 admins, brokers, whatever's needed. Florida, and especially 117 00:06:48.600 --> 00:06:52.680 in Miami is the new in my opinion, the new hub of cash 118 00:06:52.680 --> 00:06:54.960 advance whether it be brokers or funders, 119 00:06:54.960 --> 00:06:57.420 Johny Fernandez: For someone that's new to this industry try 120 00:06:57.420 --> 00:07:00.570 this is looks really good it's really good. Now I someone 121 00:07:00.570 --> 00:07:03.390 that's new to the industry, how do you compete? How do you 122 00:07:03.390 --> 00:07:07.380 compete with that, like so much momentum? You know, people, you 123 00:07:07.380 --> 00:07:12.690 know, joining people moving Florida people using the latest 124 00:07:12.690 --> 00:07:15.390 technology? How do you how do you compete? How do you 125 00:07:15.780 --> 00:07:17.730 Kosher Guru: Now let's break it down? How do you compete on the 126 00:07:17.730 --> 00:07:20.970 funding side? compete on the broker side? 127 00:07:21.000 --> 00:07:23.460 Johny Fernandez: Well, we'll do both. Because how do you compete 128 00:07:23.610 --> 00:07:25.140 as a broker, we'll start there. 129 00:07:25.300 --> 00:07:27.880 Kosher Guru: So as a broker, once again, I started in the 130 00:07:27.880 --> 00:07:30.520 industry about seven years ago, as I said, and I was always on 131 00:07:30.520 --> 00:07:34.090 the funding side, I was never a broker on the broker side. So 132 00:07:34.090 --> 00:07:37.690 I'm going to do my best just from speaking to brokers every 133 00:07:37.690 --> 00:07:42.850 day and hearing them. Really what it is, is making sure that 134 00:07:42.850 --> 00:07:48.220 your CRM is up to par that you're on top of your offers. 135 00:07:48.310 --> 00:07:51.310 And the biggest thing for a lot of brokers that I'm hearing of 136 00:07:51.490 --> 00:07:56.110 and from is that their lead generation is up to par as well, 137 00:07:56.230 --> 00:07:58.660 wherever they're getting their lead generation, and that they 138 00:07:58.660 --> 00:08:02.680 are working fast to get it the competition is fierce, we might 139 00:08:02.680 --> 00:08:06.070 have a few 100 million, or whatever the number is small 140 00:08:06.070 --> 00:08:09.100 businesses that are registered within the United States. But 141 00:08:09.100 --> 00:08:12.220 out of that there's only X amount that are looking for a 142 00:08:12.220 --> 00:08:14.890 cash advance or who actually qualify for cash advance. 143 00:08:16.030 --> 00:08:21.160 brokers in today's day and age can't let a file sit. Meaning if 144 00:08:21.160 --> 00:08:23.830 they're getting an app in, in today's day and age, for the 145 00:08:23.830 --> 00:08:26.740 most part, unless it's your mother, your grandmother, you 146 00:08:26.740 --> 00:08:31.240 know, your your best friend, merchants are shopping, you type 147 00:08:31.240 --> 00:08:34.480 in a Google search for cash advance how many funders come up 148 00:08:34.480 --> 00:08:37.600 on page one, page two, page three, it's they're shopping, 149 00:08:37.600 --> 00:08:39.940 they're looking what's out there. So if you get an 150 00:08:39.940 --> 00:08:44.890 application in, you need to do your best to be on top of it 151 00:08:45.160 --> 00:08:48.250 right away, follow up right away, be on top of it right away 152 00:08:48.250 --> 00:08:51.010 and make sure you get whether it's a decline or an offer. And 153 00:08:51.010 --> 00:08:55.330 you get on top of that right away. You don't let it sit. As I 154 00:08:55.330 --> 00:09:00.400 always said, Time kills deals. So when it comes down to it on 155 00:09:00.400 --> 00:09:03.010 the broker end as much you want to talk about technology as much 156 00:09:03.010 --> 00:09:06.310 as you want to talk about the latest, whatever it is, yeah, 157 00:09:06.640 --> 00:09:10.300 it's time time kills deals, as long as you're the fastest one 158 00:09:10.300 --> 00:09:14.080 there. And you get through it fast. And at Thrive Capital 159 00:09:14.080 --> 00:09:16.990 because we have the amount of money that we have on a platform 160 00:09:16.990 --> 00:09:20.770 to be able to fund and we fund so expeditiously easily, and you 161 00:09:20.770 --> 00:09:23.290 get it done. It's all about the time. 162 00:09:23.340 --> 00:09:25.980 Johny Fernandez: Let's talk about Israel. Let's talk about 163 00:09:26.040 --> 00:09:30.810 FinTech in Israel. Let's talk about MCA, the MCA world in 164 00:09:30.810 --> 00:09:32.850 Israel kind of walk us through a little bit about that. 165 00:09:32.960 --> 00:09:35.870 Kosher Guru: So it's funny you say that I actually was just in 166 00:09:35.870 --> 00:09:40.490 Israel for Thanksgiving went away for a few days, I was able 167 00:09:40.490 --> 00:09:42.830 to get into the countries I said, You know what, let's go 168 00:09:42.860 --> 00:09:47.000 let's do it. And believe it or not, one of the first ISOs that 169 00:09:47.000 --> 00:09:50.330 I had signed up for many years and I have a relationship with 170 00:09:50.780 --> 00:09:54.470 is actually out of Israel, from their from New York originally 171 00:09:54.500 --> 00:09:58.160 moved to Israel, and literally, because there's a time 172 00:09:58.160 --> 00:10:02.840 difference. They work from, I think it's like five o'clock 173 00:10:02.840 --> 00:10:05.090 their time, which is almost 9 10 o'clock our time, it's a six, 174 00:10:05.090 --> 00:10:07.010 seven hour difference between the time of the year and then 175 00:10:07.010 --> 00:10:09.380 work to one o'clock in the morning. So all day, it's like 176 00:10:09.410 --> 00:10:11.750 they have their day they do what they want, whether they spend 177 00:10:11.750 --> 00:10:13.580 time with their family or they don't have a family and they're 178 00:10:13.580 --> 00:10:16.310 out doing whatever they're they're doing come five o'clock 179 00:10:16.310 --> 00:10:18.470 in the afternoon or evening time. They go in front of the 180 00:10:18.470 --> 00:10:21.680 computer in their office, and they're working MCA hours based 181 00:10:21.680 --> 00:10:23.870 on the Eastern Standard Time, okay, and they work to one 182 00:10:23.870 --> 00:10:26.750 o'clock, and believe it or not, I met quite a few brokers. When 183 00:10:26.750 --> 00:10:30.080 I was out there, doing some at one funder I happen to bump 184 00:10:30.080 --> 00:10:32.510 into, and we were talking shop and everything. But a lot of 185 00:10:32.510 --> 00:10:34.490 brokers who are all living there, especially in the 186 00:10:34.490 --> 00:10:37.550 pandemic, they decided to move over there. And they're working. 187 00:10:37.580 --> 00:10:40.310 And it's based on once again, you can have a computer you 188 00:10:40.310 --> 00:10:42.890 could work anywhere in the world. Yeah, in the cash advance 189 00:10:42.890 --> 00:10:45.410 industry. You have a computer, you could work in Colombia, 190 00:10:45.410 --> 00:10:49.160 Venezuela. I was in Cancun a few months ago working, you could be 191 00:10:49.160 --> 00:10:51.740 all over Europe, you could be you know, in Asia, wherever it 192 00:10:51.740 --> 00:10:54.440 is you want to be, I always tell everybody in this industry, you 193 00:10:54.440 --> 00:10:56.390 can work from anywhere in the world, so long as you're 194 00:10:56.390 --> 00:11:00.470 actually working. Yeah. Now, the FinTech industry in Israel, 195 00:11:00.500 --> 00:11:04.340 especially Israel, is known as the startup nation, which is a 196 00:11:04.340 --> 00:11:07.160 great book to read. And if you do a little bit of research, the 197 00:11:07.190 --> 00:11:11.330 amount of innovation that's coming out of Israel, Tel Aviv 198 00:11:11.330 --> 00:11:14.810 is like New York City, from the skyscrapers to the busy hustle 199 00:11:14.810 --> 00:11:17.390 and bustle, like it's like Miami, because on the beach, and 200 00:11:17.390 --> 00:11:22.670 it's beautiful. Israel is a hub right now, of FinTech of 201 00:11:22.670 --> 00:11:26.540 alternative finance of cash advance, and FinTech as a hub. 202 00:11:27.110 --> 00:11:30.710 Tel Aviv, in the world is probably on the top 10 list. 203 00:11:30.920 --> 00:11:31.640 That's awesome. 204 00:11:32.070 --> 00:11:34.470 Johny Fernandez: So for someone that's interested in jumping 205 00:11:34.500 --> 00:11:38.610 into going to Israel, enjoying the culture living, they're 206 00:11:38.610 --> 00:11:43.230 doing deals there. How do they get started? If they want to 207 00:11:43.230 --> 00:11:46.530 start working in that specific market? What would you say? What 208 00:11:46.530 --> 00:11:47.610 a piece of advice would you give them? 209 00:11:48.230 --> 00:11:50.750 Kosher Guru: Start where you are now, because I haven't done it 210 00:11:50.750 --> 00:11:53.930 yet. But if I decided to do it, and I'm starting here, now, 211 00:11:54.380 --> 00:11:57.440 you're starting, you're learning to pick up tomorrow and just go 212 00:11:57.440 --> 00:11:59.810 over there. You can pick up tomorrow and honestly go 213 00:11:59.840 --> 00:12:04.340 anywhere in the world. In just like in New York, you go to, 214 00:12:04.580 --> 00:12:06.530 let's say, we'll use Tel Aviv as an example. Cause that's sort of 215 00:12:06.530 --> 00:12:10.520 like the New York City. Yeah. In Israel, and it really is the 216 00:12:10.520 --> 00:12:13.850 amount of corporations, you have Apple, Microsoft, Google, you 217 00:12:13.850 --> 00:12:16.670 have the big if you name some of the largest FinTech companies in 218 00:12:16.670 --> 00:12:19.520 the world, they have offices there. They have platforms, 219 00:12:19.520 --> 00:12:26.240 there in Europe. It's just it's taken off over there. And you 220 00:12:26.240 --> 00:12:29.870 literally just pick up tomorrow. There are jobs available. There 221 00:12:29.870 --> 00:12:32.000 are jobs available, some of these largest FinTech companies 222 00:12:32.000 --> 00:12:35.120 that are hiring and looking because they need people who 223 00:12:35.150 --> 00:12:38.660 have industry experience. The opportunity is there. And I see 224 00:12:38.660 --> 00:12:42.050 that the opportunity is there, worldwide, but especially in the 225 00:12:42.050 --> 00:12:45.740 United States, Israel and parts of Europe in the FinTech world. 226 00:12:46.070 --> 00:12:50.330 The future is bright. They're creating they're building. And 227 00:12:50.360 --> 00:12:52.490 the opportunity is there and the time is now 228 00:12:52.700 --> 00:12:55.460 Johny Fernandez: Going into 2022 what are some of your 229 00:12:55.460 --> 00:12:57.830 predictions for the industry? 230 00:13:01.500 --> 00:13:04.020 Kosher Guru: Well, you What do I enjoy my tacos 231 00:13:05.250 --> 00:13:09.360 Johny Fernandez: First. If you can read the taco, good, bad. 232 00:13:10.500 --> 00:13:12.690 Kosher Guru: On a scale from one to 10 The meat is cooked 233 00:13:12.690 --> 00:13:16.770 perfectly the tacos a nice crunch. Nice guac on their 234 00:13:17.010 --> 00:13:21.000 tomatoes, onions. Honestly, a nine. I'm gonna give it a nine. 235 00:13:21.900 --> 00:13:23.010 It's really, really good. 236 00:13:29.430 --> 00:13:37.230 Johny Fernandez: The meat is really cooked well. Good crunch. 237 00:13:38.910 --> 00:13:41.303 Kosher Guru: I see a lot more funders popping up over the 238 00:13:41.358 --> 00:13:44.622 course of the next few years. I see a lot more brokers, as I 239 00:13:44.676 --> 00:13:48.158 said, but I also see a lot more compliance coming down the line. 240 00:13:48.212 --> 00:13:51.531 This is no longer the Wild Wild West, it's no longer the cash 241 00:13:51.585 --> 00:13:54.795 advance of its infancy stages. Yeah, there's gonna be a lot 242 00:13:54.850 --> 00:13:58.005 more legislation somewhere down the line. Yeah, within our 243 00:13:58.059 --> 00:14:01.052 industry, whatever that legislation is that people keep 244 00:14:01.106 --> 00:14:04.261 saying it's gonna be on the broker side on the funder side 245 00:14:04.316 --> 00:14:07.634 licenses. I don't know I'm not here gonna, I'm not gonna here 246 00:14:07.689 --> 00:14:11.116 to tell you that I do know. But I do have a feeling that within 247 00:14:11.170 --> 00:14:14.326 the next few years, there will be some type of legislation 248 00:14:14.380 --> 00:14:17.753 within our industry, whether we like it or not, we have to get 249 00:14:17.808 --> 00:14:20.963 ahead of it. And I see the growth in our industry is gonna 250 00:14:21.017 --> 00:14:24.173 keep growing. And that's really Polly's prediction for the 251 00:14:24.227 --> 00:14:27.763 future the cash advance industry and we're gonna keep funding and 252 00:14:27.818 --> 00:14:29.940 keep growing and keep doing what we do. 253 00:14:30.330 --> 00:14:32.841 Johny Fernandez: Polly, thank you so much for your time. Thank 254 00:14:32.897 --> 00:14:36.023 you so much for this meal it's literally one of the best 255 00:14:36.079 --> 00:14:39.540 minutes I've had in a very long time wine. I know everything's 256 00:14:39.595 --> 00:14:42.889 here center cut steak. Oh my god. Thanks so much. Polly Box 257 00:14:42.945 --> 00:14:46.350 everyone. Here in the flesh, in the flesh in the flesh. We'll 258 00:14:46.405 --> 00:14:49.866 definitely do this again for a third time you're just gonna be 259 00:14:49.922 --> 00:14:53.327 hungry. Yeah, I'm not gonna eat anything and the day and just 260 00:14:53.383 --> 00:14:56.844 come and just feast with you. You're the definitely the guy to 261 00:14:56.899 --> 00:14:59.970 come to just enjoy a good meal. This is great I love it 262 00:15:00.000 --> 00:15:01.980 Kosher Guru: Johnny deBanked TV Thank you so much for having me 263 00:15:01.980 --> 00:15:05.010 on thank you so much everybody for tuning in and this was a lot 264 00:15:05.010 --> 00:15:05.700 of fun thank you 265 00:15:05.700 --> 00:15:07.704 Johny Fernandez: Awesome no problem and thank you guys at 266 00:15:07.757 --> 00:15:10.200 home for watching we'll see you guys next time