1 00:00:05.700 --> 00:00:08.910 Sean Murray: Hello, welcome back. My name is Sean Murray with deBanked. 2 00:00:09.170 --> 00:00:14.930 Johny Fernandez: And I'm Johnny Fernandez with deBanked news. And today we're gonna recap, obviously, some of the headlines from last week. And 3 00:00:14.960 --> 00:00:22.070 this week, it's Monday. So it's a fresh start to the week. So first things first, Sean, we actually just released our third part of our 4 00:00:22.070 --> 00:00:30.560 Miami series. And as you guys know, we've been back and forth from Miami to make sure this series is not only done, and we interviewed a couple 5 00:00:30.560 --> 00:00:38.720 of people in Miami, but we also wrote about pretty much the movement that's going on in Miami. So to recap really quickly, the third part is 6 00:00:38.720 --> 00:00:45.590 about businesses moving into Miami, and just number one, how they're adapting any tips for people that actually want to go into Miami and 7 00:00:45.590 --> 00:00:54.170 also just how life is in Miami when you're coming from out of state. So it's a very interesting piece. I personally enjoyed it. And the other 8 00:00:54.170 --> 00:01:03.350 two pieces that we did, one was that we spoke with the mayor of Miami regarding just his initiative of the tech movement and how it all 9 00:01:03.350 --> 00:01:11.120 started and how what he's doing to make sure that movement happens and continues to stay in Miami. And then the second part of the series was 10 00:01:11.120 --> 00:01:18.920 regarding the real estate in Miami, we were able to speak with a real estate professional down in South Florida, regarding just like what 11 00:01:18.920 --> 00:01:27.170 trends that she seen, and also how the tech movement has impacted the real estate business in general. So it's been a very interesting, you 12 00:01:27.170 --> 00:01:33.140 know, series that we put together because we know that a majority of our audience, they actually live in Miami and... 13 00:01:33.410 --> 00:01:34.520 Sean Murray: the second largest 14 00:01:34.550 --> 00:01:44.150 Johny Fernandez: The second. Yeah, and a lot of the people from New York are moving into South Florida. So a big, like, this is a big part of the 15 00:01:44.150 --> 00:01:51.440 business, of our business. So it's definitely It was cool to just kind of see everything come together and people really helping us make this a 16 00:01:51.440 --> 00:01:51.980 reality. 17 00:01:52.020 --> 00:01:57.570 Sean Murray: Yeah. And the reason people are moving is twofold. Like we didn't just make a Miami series just because we love Miami. Do you know 18 00:01:57.570 --> 00:02:09.990 what I mean? We made a Miami series because we were kind of looking at Miami as a serious spot for the alternative finance industry to set up 19 00:02:09.990 --> 00:02:20.220 as its new base. One because of COVID. New York City has traditionally been that that base, right? Manhattan, Brooklyn, the suburbs, Long 20 00:02:20.220 --> 00:02:30.570 Island, Jersey, Westchester. And during COVID a lot of people have thought maybe there's a better life out there. Right. Especially if you 21 00:02:30.570 --> 00:02:38.670 lived in Manhattan. I think a lot of people who lived in Manhattan, had trouble doing a whole year cooped up in like a one bedroom. And so 22 00:02:38.670 --> 00:02:46.110 Miami, became one of those places to look to, to move to because so many of their peers, colleagues already live there. And because of the 23 00:02:46.110 --> 00:02:53.430 beautiful weather and the lifestyle, right. So that's number one. But number two is because of a new New York State law, which we mentioned on 24 00:02:53.430 --> 00:03:07.290 the show before. It's the new New York disclosure bill. And it goes into effect at this moment in June. And so people are, I don't think aware 25 00:03:07.350 --> 00:03:16.530 that its impact is going to be an exodus from New York to somewhere else. It may be too difficult to operate your alternative finance 26 00:03:16.530 --> 00:03:26.640 business in New York State. And I don't think New Jersey is as open to the type of businesses that New York is looking to, I guess what go up, 27 00:03:26.640 --> 00:03:33.000 right. And so Florida, the natural kind of destination, because it's already a huge base there. And because of the lifestyle and all that 28 00:03:33.000 --> 00:03:40.110 stuff. And so we really wanted to look at Miami in particular, because the mayor has been so welcoming and so open on social media about 29 00:03:40.110 --> 00:03:46.830 inviting FinTech companies, finance companies, tech companies, to his city. And so I hope people when they watch it aren't just watching it 30 00:03:46.890 --> 00:03:53.460 fun, like, oh, it'd be great. Wouldn't it be great to live in Miami? You know what I mean, but as a serious business destination that is 31 00:03:53.460 --> 00:03:58.140 inviting, at the same time as cities like New York are doing just the opposite. 32 00:03:58.140 --> 00:04:04.060 Johny Fernandez: Yeah. And I think it's interesting to point out that when we interviewed the business owners in Miami specifically, one thing 33 00:04:04.060 --> 00:04:13.360 they said was that Miami was always seen as a place of vacation and a destination place. But now it's transforming into a place where people 34 00:04:13.360 --> 00:04:20.500 are actually doing business there. And something one of one of the interviewees that we spoke with said, it's like, you know, when you move 35 00:04:20.500 --> 00:04:26.470 to Miami, you know, obviously, a lot of people are attracted to the lifestyle, but there's an adjustment that will happen when you move 36 00:04:26.470 --> 00:04:34.660 there. You know, there's also a discipline that happens that you know, when you move there, you have to also do life while you you can enjoy 37 00:04:34.810 --> 00:04:41.710 the great things like the weather and no taxes and the beaches, but you also have to do life, like, you know, it's not just sitting on the beach 38 00:04:41.710 --> 00:04:49.780 every day, and relaxing, which sounds great. But you know, it actually takes an adjustment and I think something that was interesting that I've 39 00:04:49.780 --> 00:04:57.910 seen different people say is that when you move to Miami, you have to adjust to Miami and people in Miami aren't adjusting to you. So when you 40 00:04:57.910 --> 00:05:05.140 go down there, it's not like, you know, the world revolves around you or you do business like you want to. You to do to adapt to what's going 41 00:05:05.140 --> 00:05:15.010 on in Miami. So it was definitely interesting. And something else that I found interesting was when we spoke with our real estate expert, she is 42 00:05:15.010 --> 00:05:23.680 the Chief Economist with Nest Seekers International, she said that the pattern that she's seeing is that people will not leave Manhattan 100% 43 00:05:24.130 --> 00:05:32.020 they will have some type of apartment, some type of home here, but their primary home will now be in Florida, but they're going to keep that 44 00:05:32.020 --> 00:05:42.880 balance of, you know, being able to live a comfortable life in in Florida, but still have that New York business, you know, city lifestyle 45 00:05:42.880 --> 00:05:54.040 by having a somewhat vacation home here in a way. So it's like, everything switched over from Florida being the second vacation home to 46 00:05:54.040 --> 00:05:59.860 now Florida being the primary home in New York being the secondary vacation destination now. 47 00:06:00.520 --> 00:06:06.580 Sean Murray: You know, there, there are packages, you can buy, like, round trip charter flights, unlimited flights between Miami and New 48 00:06:06.580 --> 00:06:14.230 York, like it's fixed price per year. So if you're gonna do one of those types of arrangements, you can do it without having to, you know, pay in 49 00:06:14.230 --> 00:06:16.840 exorbitant amount of plane costs, if you're going to go back and forth. 50 00:06:17.620 --> 00:06:24.850 Johny Fernandez: So it's interesting. And I think it's interesting, what we will be seeing in the future regarding Miami, because I think that's 51 00:06:24.850 --> 00:06:33.790 one thing that we're all waiting to see once is big. You know, the moment of big hype kind of calms down, like, what will happen in Miami, 52 00:06:33.820 --> 00:06:41.560 if it really is going to be this new tech hub that it's being created as right now like, will it stay? Will it calm down, like everyone is 53 00:06:41.560 --> 00:06:49.570 interested to see how Miami is going to act once, you know, things kind of calmed down a little bit? So and I think a lot of the business owners 54 00:06:49.900 --> 00:06:56.560 that are currently there, that's the question they have is, is this a big hype? Or is this actually going to be a long term investment where 55 00:06:56.560 --> 00:06:59.410 people will actually stay and call Miami home? 56 00:06:59.480 --> 00:07:04.700 Sean Murray: Yeah, you know, this is just anecdotal evidence, but I've had a few people who are down there right now tell me that everyone's 57 00:07:04.700 --> 00:07:11.150 here, where everyone's already moved here. And I don't think that's entirely accurate. I don't think everyone has already moved. But I do 58 00:07:11.150 --> 00:07:18.200 think that we will see a lot of people move there starting in the fall, I think that a lot of people are still in denial about what the future 59 00:07:18.200 --> 00:07:27.050 prospects are, for their financial, you know, technology business in New York. And I think people are kind of waiting to see what the post COVID 60 00:07:27.050 --> 00:07:34.010 error looks like in your work right there. They're like life's back to normal. And then we'll never have to deal with that ever again. But I 61 00:07:34.010 --> 00:07:41.870 don't think it's going to be that easy. You know, it's going to go back to 100% normal. And I think we're gonna see that delay in people moving. 62 00:07:41.870 --> 00:07:48.350 So possibly by fall, I think we might see a big large influx of people from the New York area going down to Miami. 63 00:07:48.350 --> 00:07:54.870 Johny Fernandez: Yeah. And something else that was interesting to find is that the reason why going to Miami, maybe something that's a little 64 00:07:54.870 --> 00:08:03.270 easier for people specifically from New York is because everyone is already transitioning to go down there. So not only is the weather 65 00:08:03.270 --> 00:08:11.760 great, and you get more bang for your buck down there. But also, the social circles are pretty similar. So it's like you go down there, and, 66 00:08:12.240 --> 00:08:19.560 you know, your whole life has technically changed. But in reality, something that one of the interviewees told us is that your social 67 00:08:19.560 --> 00:08:27.390 circles are still very similar, because everyone's following everyone down there. So in reality, you're pretty much not losing out on much. So 68 00:08:27.450 --> 00:08:27.960 Sean Murray: I like it. 69 00:08:27.960 --> 00:08:32.880 Johny Fernandez: Yeah, it's gonna be interesting. It's it's good series to definitely tune in. Go ahead and log on to deBanked.com. 70 00:08:33.570 --> 00:08:35.310 Sean Murray: Yeah, it's on the homepage right now homepage. 71 00:08:35.730 --> 00:08:39.180 Johny Fernandez: All the three series are there. So and 72 00:08:39.840 --> 00:08:43.950 Sean Murray: I wanted to ask you, look, you looking pretty spiffy today, where are you going anywhere important? 73 00:08:44.310 --> 00:08:53.160 Johny Fernandez: So I actually have a have a meeting. But the reason I had dressed up like this was because I was a victim of spam and fraud. 74 00:08:53.730 --> 00:08:54.210 Sean Murray: Really? 75 00:08:54.210 --> 00:08:57.060 Johny Fernandez: Yeah. So this is why I'm dressed up, 76 00:08:57.630 --> 00:08:58.650 Sean Murray: How does that work? 77 00:09:00.030 --> 00:09:09.600 Johny Fernandez: So interestingly enough, and I think this has been a common theme that we've seen in the last couple of weeks, is that fraud 78 00:09:09.600 --> 00:09:18.630 and spam have been kind of everywhere, text messages and emails. And I received an email from someone that, you know, you it's, the person's a 79 00:09:18.630 --> 00:09:27.060 pretty big deal. And they had requested, you know, a meeting with me. And I received, you know, a couple of text messages and emails, and 80 00:09:28.890 --> 00:09:38.700 diving more into it, you know, I had to make some purchases, but because the response how we were communicating was so real. I didn't really 81 00:09:38.700 --> 00:09:47.220 think twice because, you know, I didn't really look at like, anything specific because it was so normal. It was such a normal way like we 82 00:09:47.220 --> 00:09:52.080 conversate every day. You know, we're in communication like emails are being sent back and this 83 00:09:52.080 --> 00:09:55.050 Sean Murray: is somebody that you kind of in kind of knew or expecting? 84 00:09:55.050 --> 00:10:04.750 Johny Fernandez: Yeah, I was expecting a phone call from this individual because of another project that I work on. So it's normal. And, you 85 00:10:04.750 --> 00:10:11.680 know, they sent me an email this morning and to my you know, I'm usually pretty quick and responding emails, so I don't really I didn't really 86 00:10:11.680 --> 00:10:20.080 look twice at the email because the email, you know, everything looks so normal. But that was the first mistake I do there. Because usually I 87 00:10:20.080 --> 00:10:29.440 look at like the crazy emails, but on my phone it just said, like the name of a guy like this is normal. But then, you know, we exchange it, 88 00:10:29.470 --> 00:10:36.010 we ended up exchanging text messages, which I was like, Alright, like, you know, they're texting me, like, you know, they know that person's 89 00:10:36.010 --> 00:10:41.620 name, like, everything seemed normal, like a normal day. So I was like, alright, like, I'm get dressed up because we have a meeting now. And, 90 00:10:41.890 --> 00:10:46.990 like, kind of planning out my day and it turned out it was it was not true. 91 00:10:47.050 --> 00:10:48.910 Sean Murray: And you said they made you purchase something? 92 00:10:48.910 --> 00:10:55.450 Johny Fernandez: Yeah. So it's a purchase. They're like, hey, by the way, could you go out and purchase something at the store? And I and I 93 00:10:55.450 --> 00:11:06.790 ended up purchasing these items. And, you know, He's like, Hey, you know, I'm on a call. You know, and they know, like, the business terms 94 00:11:06.790 --> 00:11:14.110 that we use. So it he's like, Hey, I'm on a call, you know, doing X, Y, and Z. Go ahead and just send me the pictures. And again, like, I'm 95 00:11:14.110 --> 00:11:24.310 thinking, Hey, this is something that is normal. Like, you know, we talk very perfectly Yeah. And push comes to shove it was it wasn't true. It 96 00:11:24.310 --> 00:11:27.280 was not the person I was communicating was not the person I thought it was. 97 00:11:27.310 --> 00:11:31.840 Sean Murray: it was it just some like random scammer, or just like a, you have no idea who it was? 98 00:11:31.870 --> 00:11:39.220 Johny Fernandez: I have no idea who it was that I you know, the people that are in charge of this project is like, hey, something's a little 99 00:11:39.220 --> 00:11:47.170 off. I'm not really like understanding why I have to purchase these things. Like usually. And usually in scenarios, we've done that where I 100 00:11:47.170 --> 00:11:54.190 can write things off. So it's a normal things were normal. Like, I used to write things off and tell them hey, like, I've purchased this and 101 00:11:54.190 --> 00:12:04.750 this, but this time around, it was not. That wasn't the case. And yeah, I had to call like my credit card company and be like, Hey, you know, 102 00:12:04.780 --> 00:12:12.550 here's what, here's what went down. And but it's not the first time, especially we've talked about it at the office that, you know, fraud, 103 00:12:12.640 --> 00:12:24.280 you know, or spam and all these things. They're popping up left and right. You know, my girlfriend, she, her dad found out that, you know, 104 00:12:24.280 --> 00:12:33.070 he couldn't file for unemployment, because there was someone already had his information and pretty much was collecting on his behalf. When in 105 00:12:33.070 --> 00:12:35.050 reality, it wasn't him. You know... 106 00:12:35.050 --> 00:12:36.430 Sean Murray: I've heard of that happening before. 107 00:12:36.430 --> 00:12:43.480 Johny Fernandez: Yeah, it's happened in the office, we've been talking about it that's also been something that has been a common theme where 108 00:12:43.720 --> 00:12:51.040 people are trying to file for employment, but then they find out other people have been collecting for the last eight months under their name. 109 00:12:51.040 --> 00:12:58.930 And when they really need it, they can't come up emails, again, that's been a common thing. Now, it's been through text messages. They're 110 00:12:59.020 --> 00:13:06.640 receiving text messages, like I did, you know, from other people, they think that there's so and so but the thing is, it's so hyper specific 111 00:13:06.640 --> 00:13:16.480 now that, you know, they put like their name and like the name of the company, like, I had a buddy of mine that he his information was 112 00:13:16.480 --> 00:13:25.870 collected, but he was offered a job. And this job wasn't true. They offered him a contract, he signed the contract. Everything looked 113 00:13:25.870 --> 00:13:31.120 normal, but it was not true. And he left his job and was jobless for about a month. 114 00:13:31.540 --> 00:13:33.130 Sean Murray: Wow, this happened recently? 115 00:13:33.160 --> 00:13:40.420 Johny Fernandez: This happened probably with last summer. So we were in the pandemic, you know, things were weird 116 00:13:40.420 --> 00:13:41.140 Sean Murray: Terrible timing, 117 00:13:41.170 --> 00:13:48.400 Johny Fernandez: Terrible timing, but it was a work from home job. You know, you he was offered a Monday through Friday job. They offered him a 118 00:13:48.400 --> 00:13:57.910 contract. You know, they had like the conferences they had, you know, the meetings, contracts were signed. But it was true. It was all fake. 119 00:13:57.930 --> 00:14:07.020 Sean Murray: Wow. You know, we've gotten emails in here, where it looks like they come from me to people that work here. It even has my email 120 00:14:07.020 --> 00:14:15.720 signature. But it's probably a random email address. But people don't realize that you can put whatever information you want in the sender 121 00:14:15.720 --> 00:14:23.940 box. Right? You can even say that you're from a different domain. And it's only in the back end. That really tells the sender, the I mean, the 122 00:14:23.970 --> 00:14:29.940 recipient who you are, yeah. So you could you could it could actually say Sean Murray, or you can say Johny Fernandez. 123 00:14:30.440 --> 00:14:38.990 Johny Fernandez: that was the thing. That's why the email this morning, it said this person's name. And it said his title. And then when I look 124 00:14:38.990 --> 00:14:45.920 at my emails, that's how it usually pops up. And I was like, oh, okay, like, and, um, and I was waiting for this person to contact me anyways. 125 00:14:46.250 --> 00:14:53.690 So it was kind of weird how things worked out. I'm like, at the cash register with gift cards was like, wait a minute, why am I purchasing 126 00:14:53.690 --> 00:15:01.430 these gift cards sending them like activation codes, and then that's when it clicked. I was like, wait, what am I doing? I told you and you, 127 00:15:01.760 --> 00:15:03.110 you're like, that's the first thing. 128 00:15:03.140 --> 00:15:05.480 Sean Murray: Yeah. That's it's really sad. 129 00:15:08.270 --> 00:15:09.620 Johny Fernandez: You know, I look nice. 130 00:15:09.980 --> 00:15:15.320 Sean Murray: But you know what if they accomplish that the scammer has accomplished anything? Look how good you look today. You're looking 131 00:15:15.320 --> 00:15:15.650 sharp. 132 00:15:15.650 --> 00:15:25.670 Johny Fernandez: Thank you. I appreciate it. I think one word of advice to people watching this is be sure that whatever whoever you're 133 00:15:25.670 --> 00:15:28.700 interacting with is a person. 134 00:15:28.720 --> 00:15:35.020 Sean Murray: Yeah, definitely check. We do it all the time. I do it all the time. I asked people in the office to do it all the time. Check the 135 00:15:35.020 --> 00:15:45.910 sender. Don't click any links. You know, if you get a random invoice sent to you don't open it. You know, there's ways to try to validate 136 00:15:45.940 --> 00:15:54.070 autho-, you know, validate the authenticity of them. Before we just go and download files and open up things and click links and, you know, buy 137 00:15:54.070 --> 00:15:54.610 gift cards. 138 00:15:55.710 --> 00:16:03.900 Johny Fernandez: I think you know, what's interesting is that sometimes you don't think twice because you're out, you're in the zone so much, 139 00:16:04.110 --> 00:16:12.780 you don't think twice you kind of go and you're doing life normally. And, you know, these are people that I interact with every day. So it's 140 00:16:12.780 --> 00:16:21.510 like, okay, like, you know, or there's some type of interaction with like the project that we're doing. So it's all relative. And I think 141 00:16:21.510 --> 00:16:28.860 since everything's done on our film now, especially sometimes, that can be misleading, because the entire email sometimes doesn't show you have 142 00:16:28.860 --> 00:16:35.250 to click twice, and you're not on a laptop. And especially here in New York, you're in a rush, and you're hopping on the train. And your mind's 143 00:16:35.250 --> 00:16:35.820 like, going 144 00:16:35.850 --> 00:16:42.720 Sean Murray: Well, you actually called me while all this was happening. I missed it. Because I was on the train. And I didn't know I could I 145 00:16:42.720 --> 00:16:43.500 prevented the whole thing. 146 00:16:43.500 --> 00:16:47.970 Johny Fernandez: I called you because I thought I was going to be late as a favor for someone like... 147 00:16:49.980 --> 00:16:51.150 Sean Murray: I feel like this is my fault. 148 00:16:54.810 --> 00:17:00.000 Johny Fernandez: But I think if you were to respond and be like, hey, by the way, I would have kept it vague, like, Hey, I'm doing a meet up. 149 00:17:01.350 --> 00:17:03.810 Sean Murray: If you told me you were doing a favor for some [cross-talk] 150 00:17:03.810 --> 00:17:10.170 Johny Fernandez: That's the thing. Like I was just doing a favor. And usually, I make fun of people that this happens to me. I'm like, oh, 151 00:17:10.200 --> 00:17:17.700 idiots, they should have known. Yeah, he should have checked, but for some reason, I was just in the zone. I was like, Hey, I like to do this, 152 00:17:17.700 --> 00:17:21.030 how to do this. And it happened me. I was a victim, 153 00:17:21.660 --> 00:17:24.240 Sean Murray: Bummer. I'm very I'm very sorry to happen to you. 154 00:17:24.960 --> 00:17:32.010 I just a quick story, since we're talking about that stuff. Something, you know, like a scam of that type of nature happened to my grandmother 155 00:17:32.070 --> 00:17:40.950 A long time ago. This was while I was away at college. And somebody called My grandmother and told her that they're like, as you probably 156 00:17:40.950 --> 00:17:48.030 knew Sean was away on a trip to Canada, they got seriously injured, and he's in the ER. 157 00:17:48.330 --> 00:17:49.230 Johny Fernandez: They said your name. 158 00:17:49.300 --> 00:17:55.990 Sean Murray: Yeah. And he might die. And then the insurance doesn't carry over here. So we're gonna have to let him die unless you're able 159 00:17:55.990 --> 00:18:08.440 to wire the money to save his life. And she felt compelled to send it. Now she called my parents house first, right? To be like, I know, she's 160 00:18:08.440 --> 00:18:13.930 the guy. I'm sure you guys know, maybe you didn't have the money. She's like, Don't worry, I'm gonna take care of it. I'm gonna wire it out to 161 00:18:13.930 --> 00:18:22.300 save him. And they're like, no, stop. Don't do it. You don't I mean. But she was convinced. And it was a really convincing story. Like when I 162 00:18:22.300 --> 00:18:31.210 heard that I was like, Oh, you know, if you were a grandparent, I would I would actually be like, Well, on the chance that it's true. Maybe it's 163 00:18:31.210 --> 00:18:34.150 better just to send it. On the chance that it's true. 164 00:18:34.210 --> 00:18:40.960 Johny Fernandez: Well, and I think like your grandmother, you just start thinking you're like, and you start acting quickly, because number one, 165 00:18:40.960 --> 00:18:50.620 leave us your name number two. You know, they put scenarios that are very real. And I think when you're just on the day to day, especially 166 00:18:50.620 --> 00:18:56.710 here in New York, you're just you're going like, I have this to do, this to do, and you don't even sometimes think twice. 167 00:18:57.080 --> 00:19:05.600 Sean Murray: Yeah. So yeah, I think I even tweeted out recently, and it's kind of a controversial tweet, but so much fraud happened during 168 00:19:05.600 --> 00:19:15.770 the last year. It's just incredible. Like, the amount is take every, you know, every fraud that had ever been occurred. And it's all of it 169 00:19:15.770 --> 00:19:24.380 happened at the same time. You know what I mean? And people came up with all it's not just PPP fraud, EIDL fraud, or, you know, gift card fraud, 170 00:19:24.380 --> 00:19:32.600 or all these. People came up with all different types of schemes and tricks. Part of it might have been survival, right. I mean, it was it 171 00:19:32.600 --> 00:19:41.570 was complete chaos for a while there, nobody knew what was gonna happen. You know, we kind of run the risk of, you know, are they gonna have to 172 00:19:41.780 --> 00:19:50.720 throw though, like the whole country in jail. Well, not every single person, but like, there's a lot of people out there who did some, not 173 00:19:50.720 --> 00:19:51.320 some good stuff. 174 00:19:51.830 --> 00:20:00.080 Johny Fernandez: And now, I also think that because so much has happened this last year, specifically, you know, at this point, everyone's kind 175 00:20:00.080 --> 00:20:07.970 of desensitized to everything. But also it's like, it happens so frequently that you're like, oh, like it's not gonna happen, but you 176 00:20:07.970 --> 00:20:16.220 kind of just brush it off. You know, don't really think too much of it. And then in reality, you're like, oh, man like this. This happened. 177 00:20:17.000 --> 00:20:26.930 Again, I would always laugh at people that this will happen to. I thought I had sweets one night and one hour you do now. 178 00:20:32.480 --> 00:20:41.930 Sean Murray: That's good. Yeah, speaking of street smarts, there, a video came out recently. It was posted on LinkedIn, by the CEO of US 179 00:20:41.930 --> 00:20:51.800 Business Funding. Peter Ribeiro, and it is a rap video, if you can believe it, a business lending rap video posted by an employee of a 180 00:20:51.800 --> 00:21:02.450 company named John Bowling. Who looks like he made it for fun to celebrate the positive and fun work environment that you as business 181 00:21:02.450 --> 00:21:06.050 planning provides. So maybe we should take a look at that video. Check it out. 182 00:21:07.290 --> 00:21:13.950 John Bowling: USBF, that's where I'm at. We try to make deals, maybe buy my girl crib with some new wheels. Peter Ribeiro, the CEO, yeah, that's 183 00:21:13.950 --> 00:21:14.550 top dog... ... ... 184 00:21:20.040 --> 00:21:20.970 Sean Murray: Okay. 185 00:21:21.270 --> 00:21:30.510 Johny Fernandez: I think what I love about that video is that he incorporates everything related to the business in his verses. And it's 186 00:21:30.510 --> 00:21:35.610 so well written and it's smooth. And it's it was I enjoy it I thoroughly enjoyed it. 187 00:21:35.610 --> 00:21:36.570 Sean Murray: It's well produced. 188 00:21:36.750 --> 00:21:37.710 Johny Fernandez: It definitely is. 189 00:21:37.770 --> 00:21:46.230 Sean Murray: I think the the most common comment I've seen is that it's so catchy that people found themselves singing it later. And then I've 190 00:21:46.230 --> 00:21:50.850 heard it even ended up in a few playlist. Yeah, people are now adding into their playlist. And 191 00:21:51.120 --> 00:21:52.600 Johny Fernandez: is it on your playlists? 192 00:21:52.600 --> 00:21:55.440 Sean Murray: It might be I may have listened to it all weekend. 193 00:21:57.090 --> 00:22:01.980 Johny Fernandez: So the real question is, will you be rapping a song next week? 194 00:22:01.980 --> 00:22:04.080 Sean Murray: Well, I do. I don't know if I don't know. 195 00:22:04.380 --> 00:22:05.130 Johny Fernandez: This guy can rap. 196 00:22:05.130 --> 00:22:11.700 Sean Murray: I don't know. I don't know if I can. I don't know if I can rap the song. But you know, what's interesting is that, it turns out 197 00:22:11.700 --> 00:22:19.760 this isn't the first time this type of thing has happened. It might be the first time that somebody rapped about the company they worked for, 198 00:22:19.760 --> 00:22:29.270 but it turns out the rapper Cam'ron from like, I don't know if he still raps, but I remember him in like early 2000s. He apparently rapped did 199 00:22:29.270 --> 00:22:39.950 a personal rap for a company called Sharpshooter Funding. And I first I thought maybe it was fake or spoof or whatever. Or he was using the word 200 00:22:39.950 --> 00:22:45.950 Sharpshooter. But it didn't actually refer to the company. You know what I mean, but he actually there's pictures of him. I think, wearing a 201 00:22:45.950 --> 00:22:56.000 Sharpshooter shirt and talking about the owner in the rap song. I mean, it was it was another video all in good fun, right? These aren't like, 202 00:22:56.000 --> 00:23:04.950 you know, like, tough, you know, like, yeah, you know, whatever from the streets like, you know, hard life of a business. But they're, you know, 203 00:23:04.950 --> 00:23:05.570 they're all in good fun. 204 00:23:05.570 --> 00:23:08.420 Johny Fernandez: Yeah. So I've dropped some rounds right now for you. 205 00:23:08.420 --> 00:23:09.440 Sean Murray: Okay. 206 00:23:09.440 --> 00:23:15.530 Johny Fernandez: So we're sitting here with Sean Murray up in deBanked here from Brooklyn out on a cold day wishing we were in the pool. That's 207 00:23:15.530 --> 00:23:16.700 all I got. 208 00:23:16.700 --> 00:23:23.950 Sean Murray: That's pretty good. Yeah, you're ready. I think you're ready to go. Did you did you? He literally did not share any of that 209 00:23:23.950 --> 00:23:29.070 with me. Was it did you do freestyle that right now or did you write that beforehand? 210 00:23:29.070 --> 00:23:29.810 Johny Fernandez: I thought about it as you were talking? 211 00:23:29.810 --> 00:23:31.130 Sean Murray: Really? Okay. 212 00:23:31.130 --> 00:23:35.240 Johny Fernandez: It's like Dr. Seuss. Cool. Okay. Put them together. Sean Murray deBanked for them. 213 00:23:35.450 --> 00:23:37.100 Sean Murray: We're gonna have to put you would have that 214 00:23:37.100 --> 00:23:39.620 Johny Fernandez: It's my street creds for being a Brooklyn boy. 215 00:23:39.620 --> 00:23:47.500 Sean Murray: Well, yeah, the Brooklyn boy who gets who gets who gets into a gift card scam? And shows up in business suit... 216 00:23:49.500 --> 00:23:51.630 Speakers: [cross-talk] 217 00:23:58.079 --> 00:24:06.510 Sean Murray: We're gonna have to put you on. What do they call that? That rap battle club and Eight Mile the shelter? I think you're ready. 218 00:24:06.510 --> 00:24:09.240 Johny Fernandez: I think you're ready. Mom's spaghetti. 219 00:24:11.790 --> 00:24:20.070 Sean Murray: We're gonna record you later. Save some of that stuff for the album. That was the early drop. Johnny Fernandez live from the 220 00:24:20.070 --> 00:24:20.490 streets 221 00:24:20.490 --> 00:24:21.690 Johny Fernandez: Live from the streets of Brooklyn. 222 00:24:23.550 --> 00:24:24.330 Sean Murray: Alright, well that. 223 00:24:25.200 --> 00:24:26.790 Johny Fernandez: That wraps it up for today 224 00:24:26.910 --> 00:24:32.490 Sean Murray: Raps it up? We are getting lame now. 225 00:24:35.970 --> 00:24:38.550 Johny Fernandez: Alright, so that's it for today. I'm Johny Fernandez. 226 00:24:38.609 --> 00:24:40.499 Sean Murray: I'm Sean Murray, 227 00:24:40.499 --> 00:24:42.000 Johny Fernandez: and we'll see you next time.