1 00:00:00.000 --> 00:00:03.930 Johny Fernandez: I'm Johny Fernandez. And this is the final 2 00:00:03.930 --> 00:00:08.910 episode of 2021 deBanked TV. That's right. All right, we're 3 00:00:08.910 --> 00:00:12.450 excited. We're gonna recap pretty much the entire years 4 00:00:12.450 --> 00:00:17.280 worth of content online and on TV are online, on the website, 5 00:00:17.610 --> 00:00:19.500 not on TV. I mean, if you watch it on TV, 6 00:00:19.770 --> 00:00:22.590 Sean Murray: We're off to a good start. We're gonna be we're 7 00:00:22.590 --> 00:00:25.230 gonna be recapping stuff he's gonna recap. That's definitely 8 00:00:25.230 --> 00:00:25.560 gonna happen 9 00:00:25.560 --> 00:00:27.915 Johny Fernandez: That's definitely gonna happen. But 10 00:00:27.983 --> 00:00:31.936 we're excited to be here. Last show for the year. And then 11 00:00:32.004 --> 00:00:36.434 we're gonna be back next year in 2022. I'm excited. Remember when 12 00:00:36.502 --> 00:00:40.728 we started 2020 it was great. I do remember and now look at us 13 00:00:40.796 --> 00:00:45.090 now. international superstars. Some people call me Pitbull. Mr. 14 00:00:45.158 --> 00:00:45.840 Worldwide, 15 00:00:46.030 --> 00:00:50.050 Sean Murray: Okay. Pretty big, pretty big, pretty big there. 16 00:00:50.140 --> 00:00:50.770 alright. 17 00:00:51.190 --> 00:00:52.930 Johny Fernandez: Alright, so we're gonna start from the, 18 00:00:53.230 --> 00:00:56.440 we're gonna start from the bottom. up right. So you want 19 00:00:56.440 --> 00:01:00.220 new stories or videos first. You choose. Alright, let's go ahead 20 00:01:00.220 --> 00:01:04.750 and just do stories. Alright, so in fifth place. 21 00:01:04.930 --> 00:01:09.460 Sean Murray: Okay. This is the most most read story story. 22 00:01:09.610 --> 00:01:11.290 2021. Yep. Okay. 23 00:01:11.360 --> 00:01:14.270 Johny Fernandez: Alright. The fifth one. It's titled An Exit 24 00:01:14.840 --> 00:01:18.770 the Fall of LendUp. That was one of the that was the fifth most 25 00:01:18.770 --> 00:01:23.000 popular story all year round. Do you remember that story? 26 00:01:23.480 --> 00:01:25.910 Sean Murray: It was very brief. It wasn't even so much a story 27 00:01:25.940 --> 00:01:30.320 that was more like a news blurb that just got a ton of activity 28 00:01:30.830 --> 00:01:33.320 when we put it out there. And then afterwards, I guess, when 29 00:01:33.320 --> 00:01:38.540 people were following up, lend up is a consumer lender. And 30 00:01:38.540 --> 00:01:42.170 they had gotten in trouble with the I think it was the CFPB a 31 00:01:42.170 --> 00:01:44.810 few years ago. And as part of that, they entered into a 32 00:01:44.810 --> 00:01:48.140 settlement where they had to agree not to do certain things. 33 00:01:48.170 --> 00:01:52.340 And apparently they had violated that agreement, which brought 34 00:01:52.340 --> 00:01:56.390 them back into bad standing with the regulator. And whatever 35 00:01:56.390 --> 00:02:01.070 happened with that led to their eventual downfall. And I think 36 00:02:01.070 --> 00:02:07.400 they're, they're seizing to lend was news to a lot of people. And 37 00:02:07.430 --> 00:02:10.880 that story happened to rank in the top five. In fact, if you go 38 00:02:10.880 --> 00:02:14.450 to the LendUp website right now, there's no hiding what happened? 39 00:02:14.450 --> 00:02:19.730 It says we're no longer lending anymore. So but now they're 40 00:02:19.730 --> 00:02:22.910 providing like educational videos and such. I don't know 41 00:02:22.910 --> 00:02:25.340 what the the financial value of any of that is. I didn't look 42 00:02:25.340 --> 00:02:29.000 that deep into it. But yeah, lend up an online consumer 43 00:02:29.000 --> 00:02:34.850 lender was up there on the charts. And yeah, 44 00:02:35.480 --> 00:02:40.730 Johny Fernandez: All right, in fourth place. Regulation. That 45 00:02:40.730 --> 00:02:44.300 was a big one this year. We talked a lot about that. So 46 00:02:44.840 --> 00:02:48.590 let's go ahead, but walk me through that regulation 47 00:02:48.630 --> 00:02:50.280 Sean Murray: Is walk you through it and walk you through 48 00:02:50.280 --> 00:02:56.490 regulation. So the most read, so this was the combination, right? 49 00:02:56.490 --> 00:02:59.670 So this year, when we were when we were ranking them, we had to 50 00:02:59.670 --> 00:03:03.270 categorize them. Otherwise, you'd have the same story that 51 00:03:03.270 --> 00:03:05.880 would rank like in five different spots at once. So you 52 00:03:05.880 --> 00:03:09.600 kind of just combined them into one storyline. So regulation is 53 00:03:09.600 --> 00:03:13.740 exactly that. It's a combination of multiple top ranking stories, 54 00:03:13.980 --> 00:03:17.970 that we just had to lump into one category. I think CFPB 55 00:03:18.090 --> 00:03:24.690 related content was at the top of the regulation, conversation 56 00:03:24.720 --> 00:03:29.610 that people wanted to be aware of the most. The most viewed 57 00:03:29.610 --> 00:03:33.600 one, I think, was the appointment of the new director 58 00:03:33.660 --> 00:03:38.970 of the CFPB. He's, he is formerly an FTC Commissioner. 59 00:03:39.450 --> 00:03:43.290 And apparently, he has some pretty strong opinions about 60 00:03:43.410 --> 00:03:46.320 like merchant cash advance about how in the past, he's quoted as 61 00:03:46.320 --> 00:03:50.190 saying he wants to eliminate them all. Yeah. So when he was 62 00:03:50.190 --> 00:03:54.030 made director of the CFPB, obviously, a lot of people's, 63 00:03:54.060 --> 00:03:57.480 you know, ears perked up. Yeah. So that was that was, that was 64 00:03:57.480 --> 00:04:01.530 definitely the most read of the regulatory ones. There were a 65 00:04:01.530 --> 00:04:06.510 few others that popped up around that. And that was the New York 66 00:04:06.510 --> 00:04:09.360 commercial. The New York commercial financing disclosure 67 00:04:09.360 --> 00:04:12.420 law, which you and I have talked we talked about. Right. And we 68 00:04:12.420 --> 00:04:15.420 even had a panel over we had a panel about it Broker Fair. 69 00:04:15.450 --> 00:04:18.900 Yeah. So that's obviously popular the fact that we talked 70 00:04:18.900 --> 00:04:22.560 about it so much that it was at Broker Fair, that law but what 71 00:04:22.560 --> 00:04:27.030 we understand is slated to go into effect in June, but as one 72 00:04:27.060 --> 00:04:31.290 at Broker Fair, that there's still so much ambiguity Yeah. As 73 00:04:31.290 --> 00:04:35.490 to like, who has to abide by it and what does it mean? And so 74 00:04:35.610 --> 00:04:38.100 it's kind of a bummer that we still have all these unanswered 75 00:04:38.100 --> 00:04:40.200 questions about the law, especially since we keep telling 76 00:04:40.200 --> 00:04:43.020 people like we're finally going to find out we're finally gonna 77 00:04:43.020 --> 00:04:44.010 find out why we've been totally 78 00:04:44.010 --> 00:04:47.270 Johny Fernandez: Find. And finding out since this, this 79 00:04:47.270 --> 00:04:47.420 actually, 80 00:04:47.810 --> 00:04:49.670 Sean Murray: Know, what's funny about this particular thing, 81 00:04:49.700 --> 00:04:55.340 which is that this law passed right before Christmas in 2020. 82 00:04:55.580 --> 00:04:58.700 Okay, in fact, the headline I think said like, ho, ho, ho, 83 00:04:58.760 --> 00:05:02.420 yes, I remember that. Right. It ho, ho, ho, like surprise. Yeah, 84 00:05:02.420 --> 00:05:05.060 somebody has brought you this unexpected gift. Not that many 85 00:05:05.060 --> 00:05:09.320 people were paying attention. Yeah, I passed this law. ho, ho, 86 00:05:09.320 --> 00:05:12.260 ho, right. And it was like Get ready, this is gonna go into 87 00:05:12.260 --> 00:05:17.120 effect immediately. A whole year has gone by. We were literally 88 00:05:17.120 --> 00:05:20.630 in the same part of the year that the law passed in, and 89 00:05:20.630 --> 00:05:23.360 still has not gone into effect. And we still don't have all the 90 00:05:23.360 --> 00:05:26.360 answers that we want you. So I guess government takes a long 91 00:05:26.360 --> 00:05:29.810 time to move forward. But that that was up there for certain. 92 00:05:29.960 --> 00:05:36.590 And then I think the other one had to do with Maryland. Yes, 93 00:05:36.590 --> 00:05:38.480 there was this whole mad dash 94 00:05:38.600 --> 00:05:41.630 Johny Fernandez: The to like, yeah, we recorded that. One of 95 00:05:41.630 --> 00:05:44.300 the videos from that was oh, yeah, the session 96 00:05:44.300 --> 00:05:47.180 Sean Murray: That. That's right. Yes. We played. Yeah, 97 00:05:47.180 --> 00:05:49.580 Johny Fernandez: That they didn't even know, like the city 98 00:05:49.910 --> 00:05:53.990 leaders that were in that session. Were also kind of 99 00:05:53.990 --> 00:05:56.960 confused about the wording. And yeah, 100 00:05:56.960 --> 00:05:59.618 Sean Murray: So Maryland attempted to ban merchant cash 101 00:05:59.682 --> 00:06:03.636 advances early on in 2021. We were kind of all over it. But in 102 00:06:03.699 --> 00:06:07.653 terms of covering it. I think there was there was a collective 103 00:06:07.717 --> 00:06:11.862 response to explain what it was. They thought they were trying to 104 00:06:11.926 --> 00:06:15.434 ban. Yeah. And ultimately, there were a number of state 105 00:06:15.498 --> 00:06:19.324 legislators that were like, okay, timeout. I don't even know 106 00:06:19.388 --> 00:06:22.959 what we're talking about. You know, as much as I want to 107 00:06:23.023 --> 00:06:26.722 support it. Yeah. You know, I don't really know what we're 108 00:06:26.785 --> 00:06:30.548 doing. So that that bill got next, but I will say, don't be 109 00:06:30.612 --> 00:06:34.374 surprised if that bill comes back in 2022. Yeah. Stay tuned 110 00:06:34.438 --> 00:06:38.265 to hear more. Sorry. Is you got you sick. Just thinkin about 111 00:06:38.328 --> 00:06:42.474 guys. It's kind of sick thinking about it. But don't be surprised 112 00:06:42.537 --> 00:06:46.555 if we have a conversation about Maryland again in 2022. Because 113 00:06:46.619 --> 00:06:50.573 that was the second year in a row that they tried to pass some 114 00:06:50.637 --> 00:06:54.336 sort of legislation. And they weren't even being shy about 115 00:06:54.399 --> 00:06:58.226 other states, like we're gonna implement to this and they're 116 00:06:58.290 --> 00:07:02.307 like, Ban, we're gonna shut it down. That's literally what they 117 00:07:02.371 --> 00:07:05.942 were going with. Don't be surprised if we if we have the 118 00:07:06.006 --> 00:07:08.430 same debate in Maryland again in 2022. 119 00:07:09.300 --> 00:07:10.110 Johny Fernandez: Number three, 120 00:07:11.730 --> 00:07:12.900 Sean Murray: sorry, I talked for so. 121 00:07:14.280 --> 00:07:15.360 Johny Fernandez: I'd like Carson Daly 122 00:07:15.390 --> 00:07:18.720 Sean Murray: to Okay, number three. Number three. Does 123 00:07:18.720 --> 00:07:21.180 everyone out there leave? Are they even old enough to remember 124 00:07:21.180 --> 00:07:25.260 Carson? Daly? TRL. I'm thankful that you are as coupe number 125 00:07:25.260 --> 00:07:28.630 Johny Fernandez: Number three, the Google doc Backstreet Boys, 126 00:07:28.630 --> 00:07:28.680 three. 127 00:07:29.920 --> 00:07:34.420 real estate investing. So that was a good one. And what we so 128 00:07:34.420 --> 00:07:36.640 the pattern with real estate investing that we saw was that, 129 00:07:36.820 --> 00:07:40.840 and in the article, it said it a lot of people returning into 130 00:07:41.050 --> 00:07:45.160 returning to real estate for their side hustle or like to get 131 00:07:45.160 --> 00:07:49.750 more cash flow versus crypto surprising. No, because you will 132 00:07:49.750 --> 00:07:56.200 see it stood the test of time. Like forever. Yeah. So and that 133 00:07:56.200 --> 00:07:57.760 was an interesting article, because it pretty much broke 134 00:07:57.760 --> 00:08:02.230 down how to invest properly, you know, and like the benefits of 135 00:08:02.230 --> 00:08:05.080 investing in real estate, which I can tell you firsthand. You 136 00:08:05.080 --> 00:08:08.680 know, you get tax benefits. You know, you're pretty much what 137 00:08:08.680 --> 00:08:11.950 you put in your profit will pretty much increase every year. 138 00:08:13.020 --> 00:08:15.210 Sean Murray: Wait a minute, wait a minute. What do you know about 139 00:08:15.210 --> 00:08:15.750 real estate? 140 00:08:15.780 --> 00:08:17.370 Johny Fernandez: I know a couple things or two about real estate. 141 00:08:17.820 --> 00:08:20.460 If you want to buy right, now's the perfect time to buy because 142 00:08:20.460 --> 00:08:22.620 interest rates are at an all time low. Still, 143 00:08:22.630 --> 00:08:24.910 Sean Murray: Who should they be talking to? If they're in New 144 00:08:24.910 --> 00:08:28.780 York, you should reach out to Johnny Fernandez. Okay, wait, do 145 00:08:28.780 --> 00:08:31.720 you mean to say that you are also I am also really your 146 00:08:31.720 --> 00:08:34.360 broker and broker real estate broker real estate broker? Yeah. 147 00:08:34.390 --> 00:08:37.000 Wow. We have we have we have brokers even in the 148 00:08:37.600 --> 00:08:41.530 Johny Fernandez: Studio, come on now. So I will say if you're 149 00:08:41.530 --> 00:08:45.640 looking to invest, you guys can go click on that article, right 150 00:08:45.640 --> 00:08:48.160 here, click on the article, apparently, if you just click on 151 00:08:48.490 --> 00:08:52.390 this article over, and you can definitely kind of learn a 152 00:08:52.390 --> 00:08:56.410 little bit more, but if you want to buy in certain markets now to 153 00:08:56.710 --> 00:08:59.380 buy because the market is correcting itself. Yeah. So 154 00:08:59.560 --> 00:09:02.650 prices are going up. But then there's other markets that are 155 00:09:02.800 --> 00:09:06.730 extremely oversaturated. Yeah, now would not be the right time 156 00:09:06.730 --> 00:09:09.220 to buy in places like Florida. So, 157 00:09:09.570 --> 00:09:11.730 Sean Murray: Yeah, this particular story that you're 158 00:09:11.730 --> 00:09:14.100 referring to is about it's about eight months old, but it's about 159 00:09:14.100 --> 00:09:18.030 Yeah, real estate investing being being a funders choice for 160 00:09:18.030 --> 00:09:21.840 a side hustle. And you mentioned that you mentioned crypto in 161 00:09:21.840 --> 00:09:25.800 that so yeah, this was the big surprise for me. Is that when it 162 00:09:25.800 --> 00:09:29.400 came down to it, what did deBanked viewers want to read 163 00:09:29.400 --> 00:09:33.390 about as a side hustle or ways to make money? Yeah, crypto 164 00:09:33.390 --> 00:09:37.650 wasn't on there. And we but real estate investing was and 165 00:09:37.650 --> 00:09:41.350 Johny Fernandez: Something I can admit now we we have far not 166 00:09:41.350 --> 00:09:44.740 literally but yeah, hey crypt, here's a crypto story user story 167 00:09:44.740 --> 00:09:48.040 and that's not that's not what they were crypt 168 00:09:48.070 --> 00:09:51.310 Sean Murray: Crypto crypto did not come just did not compare 169 00:09:51.340 --> 00:09:53.530 when it came to like, you know, what can you do to make a side 170 00:09:53.530 --> 00:09:56.800 income? People didn't people aren't according to deBanked. 171 00:09:57.280 --> 00:10:00.820 Readers statistics, crypto is not on the list. Yeah, isn't 172 00:10:00.820 --> 00:10:01.300 that interesting? 173 00:10:01.350 --> 00:10:02.910 Johny Fernandez: It is interesting. Well, I think, 174 00:10:04.260 --> 00:10:08.460 correct me if I'm wrong, but the reason why is because ultimately 175 00:10:08.460 --> 00:10:11.820 people want to know what's gonna work and what's gonna stick. I 176 00:10:11.820 --> 00:10:16.350 believe crypto is still less than 10 years old. The test of 177 00:10:16.350 --> 00:10:18.750 time, like it's still being put through that test of time. 178 00:10:19.019 --> 00:10:23.129 Sean Murray: Bitcoin is 13 years old. Now, I said crypto, okay. 179 00:10:23.189 --> 00:10:26.939 All right. All right. Well, um, but the crypto industry, 180 00:10:26.939 --> 00:10:30.440 Johny Fernandez: The crypto industry, I think between NFT's, 181 00:10:31.430 --> 00:10:39.290 like that whole genre has stood the test of time. I mean, I, I'm 182 00:10:39.290 --> 00:10:42.140 not going to speak eloquently about it, because I'm not as 183 00:10:42.140 --> 00:10:45.680 familiar with crypto. But I think between real estate, real 184 00:10:45.680 --> 00:10:48.650 estate will like the test of time is always gonna be there 185 00:10:48.650 --> 00:10:51.860 that it has sustained itself compared to that's for sure 186 00:10:51.860 --> 00:10:56.270 currency on data. And the return on your investment that you get 187 00:10:56.270 --> 00:10:58.490 with real estate is amazing. 188 00:10:59.640 --> 00:11:02.310 Sean Murray: No, I don't understand that. Here. We had 189 00:11:02.310 --> 00:11:05.970 this whole pandemic in New York, and everyone left the city, but 190 00:11:05.970 --> 00:11:11.070 prices went up. Everyone's back. Because the prices always go up 191 00:11:11.070 --> 00:11:13.620 no matter what. Yeah. Is that true? Basically? 192 00:11:13.660 --> 00:11:15.430 Johny Fernandez: Yeah. I mean, it's correcting itself. I mean, 193 00:11:15.460 --> 00:11:18.880 it was low. Like, when no one was in New York. I experienced 194 00:11:18.880 --> 00:11:22.270 it firsthand when being in a studio apartment for 1450. That 195 00:11:22.270 --> 00:11:25.150 same studio apartment now is going for 2200. Wow, that's 196 00:11:25.150 --> 00:11:26.050 Sean Murray: A huge increase. 197 00:11:27.320 --> 00:11:29.450 Johny Fernandez: And I know a lot of my clients that they 198 00:11:29.450 --> 00:11:32.660 rented, you know, we got them a really nice studio, great price. 199 00:11:32.810 --> 00:11:36.710 Their lease was up and their rent went up extremely high. 200 00:11:37.370 --> 00:11:40.430 That's a bummer. Yeah. And now everyone is back in New York. 201 00:11:40.670 --> 00:11:43.610 Apartments are like at an all time high, like renting 202 00:11:43.610 --> 00:11:46.070 apartments. Now people are looking to buy because you can 203 00:11:46.070 --> 00:11:49.910 get more bang for your buck when you buy versus renting. Unless 204 00:11:49.940 --> 00:11:53.210 you're in New York for a short period of time. That's a little 205 00:11:53.210 --> 00:11:58.490 bit different. Yeah, yeah. So you want to buy rent sell, 206 00:11:58.520 --> 00:11:58.730 please 207 00:11:58.940 --> 00:12:01.040 Sean Murray: Real Estate? Yeah, real estate apparently always 208 00:12:01.040 --> 00:12:03.230 goes up always goes no, no matter what, 209 00:12:03.260 --> 00:12:06.200 Johny Fernandez: Even when a crashes like in 2008. You can 210 00:12:06.200 --> 00:12:09.050 still see it recovered. It's always gonna recovering. Yeah. 211 00:12:09.050 --> 00:12:14.030 So it's just going in at the right time and learning to stay 212 00:12:14.030 --> 00:12:14.270 in. 213 00:12:15.350 --> 00:12:18.530 Sean Murray: Yeah. So yeah, a lot of deBanked. Viewers. That's 214 00:12:18.530 --> 00:12:20.630 what they were interested in. 2021. Real Estate. 215 00:12:21.230 --> 00:12:23.900 Johny Fernandez: Wow. proud of myself. Yeah. You're 216 00:12:23.900 --> 00:12:24.950 Sean Murray: In the right business. Yes. 217 00:12:26.180 --> 00:12:30.800 Johny Fernandez: All right. Number two, domain life after 218 00:12:30.800 --> 00:12:33.980 death. Okay, I remember that story ically because that this 219 00:12:33.980 --> 00:12:36.680 is one of my this is one of my favorite ones. I think it just 220 00:12:36.680 --> 00:12:40.610 blew up so much to the point that you were even surprised at 221 00:12:40.610 --> 00:12:42.050 how much they had blown up. 222 00:12:43.730 --> 00:12:46.160 Sean Murray: Yeah, so this, this is the story, I can't remember 223 00:12:46.160 --> 00:12:47.870 what the name of the name of it was. 224 00:12:47.900 --> 00:12:49.910 Johny Fernandez: It's called the death of 1000. financial 225 00:12:49.910 --> 00:12:50.480 companies. 226 00:12:50.480 --> 00:12:53.660 Sean Murray: There you go death of 1000 financial companies. And 227 00:12:53.660 --> 00:12:57.980 it was an under the hood undercover look at what happens 228 00:12:58.130 --> 00:13:01.760 to domain names of financial companies that go out of 229 00:13:01.760 --> 00:13:05.420 business. And it was timely because there were a bunch of 230 00:13:05.420 --> 00:13:08.720 failures in the beginning of COVID. Were like, you know, 231 00:13:08.720 --> 00:13:12.680 COVID hit March. And by April, May, those companies were just 232 00:13:12.680 --> 00:13:16.520 dead. Yeah. And you know, what happened to the domain names 233 00:13:17.480 --> 00:13:20.750 that the companies owned. Sometimes they're, you know, 234 00:13:20.750 --> 00:13:23.990 they've got a five year 10 year, or no rights to them, but other 235 00:13:23.990 --> 00:13:26.030 ones just lapse after like, a year, and there was no one 236 00:13:26.030 --> 00:13:30.200 around to renew them, I guess. And so I conducted an experiment 237 00:13:30.200 --> 00:13:36.800 where I actually bought expired domain names of companies to 238 00:13:36.800 --> 00:13:40.730 see, like what would happen, you know, had this whole theory that 239 00:13:40.850 --> 00:13:43.460 those domain names are probably still generating traffic, maybe 240 00:13:43.460 --> 00:13:46.400 because there's old, you know, their old Google listings or 241 00:13:46.400 --> 00:13:49.070 something, you know what I mean? Or people found an old business 242 00:13:49.070 --> 00:13:51.320 card, I'm like, I bet you there's still some traffic to 243 00:13:51.320 --> 00:13:54.410 these names. And that was kind of a theory I had, I thought the 244 00:13:54.410 --> 00:13:57.020 story was going to be about, like, you know, there's kind of 245 00:13:57.020 --> 00:13:59.720 traffic that's ending up at a dead end. But what I found 246 00:13:59.720 --> 00:14:04.250 instead of this, this was like, the big killer, like, for me. 247 00:14:04.970 --> 00:14:09.320 Yeah, no pun intended, like, what scared it scared me, like, 248 00:14:09.350 --> 00:14:14.060 scared the crap out of me is that people were still emailing 249 00:14:14.210 --> 00:14:18.500 those particular companies. So the whole thing was I created 250 00:14:18.500 --> 00:14:21.860 like a catch all email. So someone was like, hey, you know, 251 00:14:21.890 --> 00:14:25.490 who owns my domain? Yeah, right. I wanted to be there to be like, 252 00:14:25.520 --> 00:14:28.490 Hi, you know, it's me. Don't worry I'm not doing anything 253 00:14:28.490 --> 00:14:31.640 with it. You know, the idea is just to kind of measure inbounce 254 00:14:31.790 --> 00:14:34.910 server traffic for an experiment I'm doing. And that's kind of 255 00:14:34.910 --> 00:14:37.340 the only type of email I anticipated getting. What I 256 00:14:37.340 --> 00:14:40.640 didn't think would happen is former customers and business 257 00:14:40.640 --> 00:14:45.320 partners were still trying to email those companies and 258 00:14:45.320 --> 00:14:47.660 because it was a catch all email, it was all being sent to 259 00:14:47.660 --> 00:14:49.970 like the general info at whatever that's where they were 260 00:14:49.970 --> 00:14:54.920 all being forwarded to. And it seemed like there were plenty of 261 00:14:54.920 --> 00:14:57.380 people who are unaware that that this company was no longer 262 00:14:57.380 --> 00:14:59.840 there. They were acting like this was a live this is personal 263 00:14:59.840 --> 00:15:02.420 email Now there's not just spam. Yeah. Okay, so and so just 264 00:15:02.420 --> 00:15:05.960 following up. And I started to think about the implications of, 265 00:15:06.590 --> 00:15:08.510 of all that, especially if you had signed up with a bunch of 266 00:15:08.510 --> 00:15:11.300 vendors, you can now potentially log into all these portals. 267 00:15:11.300 --> 00:15:13.940 Yeah, because you have email address to reset passwords and 268 00:15:13.940 --> 00:15:16.880 everything, right? super dangerous. Yeah. And I was like, 269 00:15:16.910 --> 00:15:20.900 Oh, my goodness, how can this be happening? So I obviously I 270 00:15:20.900 --> 00:15:25.910 documented my findings. And I think I think I put a number to 271 00:15:25.910 --> 00:15:29.480 something saying that if you buy a domain name for 10 bucks, and 272 00:15:29.480 --> 00:15:32.720 you find like, 400 companies that have gone out of business, 273 00:15:32.990 --> 00:15:38.660 you can inherit, you know, the, the business operations 400 274 00:15:38.660 --> 00:15:42.860 companies for like, $4,000. So it's incredible. Yeah. 275 00:15:42.860 --> 00:15:45.980 Afterwards, I released all the domains back into the wild. I 276 00:15:45.980 --> 00:15:48.290 did not hold on to them. It was purely for journalistic 277 00:15:48.290 --> 00:15:50.930 experiment. Yeah. Which achieved results that I didn't 278 00:15:50.930 --> 00:15:53.360 anticipate. So you know, I don't have any of those domains 279 00:15:53.360 --> 00:15:56.330 anymore. I never made websites out of them. Right. Yeah. But 280 00:15:56.330 --> 00:15:58.700 uh, yeah, that story ended up being what number did you say it 281 00:15:58.700 --> 00:16:00.800 was two number two for the whole year? 282 00:16:02.670 --> 00:16:05.760 Johny Fernandez: Alright, number one, for top click stories here 283 00:16:05.760 --> 00:16:10.140 at deBanked. We it's called? It's under the category of 284 00:16:10.140 --> 00:16:15.000 scandal. Okay. This one was specifically about the MJ 285 00:16:15.000 --> 00:16:17.970 capital scandal, that happened over in South Florida. Right. 286 00:16:17.970 --> 00:16:21.870 Right. Right. This was the number one most clicked story of 287 00:16:21.870 --> 00:16:22.380 all time. 288 00:16:22.800 --> 00:16:25.650 Sean Murray: Not all time this year. Yeah. Not all. Yeah, not 289 00:16:25.650 --> 00:16:28.470 all time, all time for this year, all time for this year. 290 00:16:28.500 --> 00:16:35.100 Sure. You know, for anyone wondering, Sean, why would you 291 00:16:35.100 --> 00:16:38.520 bring so much attention to this particular story? Isn't it bad 292 00:16:38.520 --> 00:16:40.320 for the industry? Right. 293 00:16:40.320 --> 00:16:41.250 Johny Fernandez: What do you say to that? 294 00:16:41.900 --> 00:16:46.220 Sean Murray: Well here's the thing, right. In my mind, 295 00:16:46.670 --> 00:16:49.280 they're not part of the industry, because the 296 00:16:49.280 --> 00:16:54.050 allegations brought by the SEC, is that they were masquerading 297 00:16:54.080 --> 00:16:57.680 the company industry. And it was a essentially a straight up 298 00:16:57.680 --> 00:17:01.670 Ponzi scheme was wasn't carrying out the business that they 299 00:17:01.670 --> 00:17:05.660 claimed to be doing. Yeah. So it can't be bad for the industry. 300 00:17:05.690 --> 00:17:08.870 If they weren't in the industry. It seemed like, you know, again, 301 00:17:08.870 --> 00:17:11.870 these are just allegations right. Yeah. But it seems to me 302 00:17:11.870 --> 00:17:16.220 based upon what the SEC has said that this company was pretending 303 00:17:16.610 --> 00:17:21.470 to be in the industry. Yeah. And so I think, to all the people 304 00:17:21.470 --> 00:17:23.900 that have read about it, yeah, the takeaways shouldn't be 305 00:17:23.900 --> 00:17:26.930 anything about the industry, about small business financing 306 00:17:26.930 --> 00:17:30.350 about online lenders and non bank lending. Has nothing to do 307 00:17:30.350 --> 00:17:33.110 with any of those people. Yeah, we're literally it's literally 308 00:17:34.250 --> 00:17:38.480 alleged to be a Ponzi scheme. Not a small business lender. 309 00:17:38.510 --> 00:17:41.900 Yeah. I had not encountered this company. Obviously, we would 310 00:17:41.900 --> 00:17:45.200 cover Yeah, these type of businesses on the show and the 311 00:17:45.200 --> 00:17:48.380 articles, the magazine, all this stuff, right. So when I heard 312 00:17:48.380 --> 00:17:51.410 that, you know, this company had raised $100 million plus, which 313 00:17:51.410 --> 00:17:54.440 has since been revised to 200 million. I said, How can that 314 00:17:54.440 --> 00:17:57.140 be? How can they be so large and me have never heard of them, 315 00:17:57.170 --> 00:17:59.030 especially since they're in South Florida, which is one of 316 00:17:59.030 --> 00:18:02.150 our primary markets doesn't make any sense? Well, it does if they 317 00:18:02.150 --> 00:18:05.720 weren't actually in the business. Right. So I think the 318 00:18:05.720 --> 00:18:09.650 takeaway for anyone who's like, thinking about why is all this 319 00:18:09.650 --> 00:18:12.620 attention being put in MJ capital is because they weren't 320 00:18:12.680 --> 00:18:17.240 part of the industry. They did their own individual thing. They 321 00:18:17.240 --> 00:18:21.260 it looks like they masqueraded as being part of it. And the 322 00:18:21.260 --> 00:18:26.120 outcome is apparently 5500 plus investors who have been impacted 323 00:18:26.360 --> 00:18:30.200 more than $200 million raised and lots of people clearly 324 00:18:30.440 --> 00:18:33.830 coming in reading the content on our site about it. We've really 325 00:18:33.830 --> 00:18:35.690 just been getting the information from you know, the 326 00:18:35.690 --> 00:18:39.350 court filings and, and other basic sources, but it seems like 327 00:18:39.350 --> 00:18:41.720 there's a lot of people that want to know what's going to 328 00:18:41.720 --> 00:18:44.060 happen with this. Guess what, and it doesn't it should not 329 00:18:44.060 --> 00:18:46.880 reflect on the small business finance industry because that to 330 00:18:46.880 --> 00:18:47.990 me, they were not a part of it. 331 00:18:48.020 --> 00:18:50.870 Johny Fernandez: Yeah. That was well said. Thank you for that. 332 00:18:51.000 --> 00:18:51.720 Sean Murray: You're welcome. 333 00:18:51.780 --> 00:18:55.170 Johny Fernandez: All right. All right. So that's all the top 334 00:18:55.200 --> 00:18:58.380 five stories, okay. people clicked on. So now we're gonna 335 00:18:58.380 --> 00:19:01.470 jump into the video side of things. So the top five videos 336 00:19:01.500 --> 00:19:04.500 now I feel like Carson Daly. Okay. All right. So number five, 337 00:19:04.530 --> 00:19:09.060 total was the live deBanked edition. Alright, so number five 338 00:19:09.210 --> 00:19:12.000 brokers, brokers, brokers. This was a video about brokers. 339 00:19:12.360 --> 00:19:15.210 Sean Murray: It was multiple videos. Yeah. So when it came 340 00:19:15.210 --> 00:19:17.670 down to why is number five brokers brokers brokers is 341 00:19:17.670 --> 00:19:20.100 because when you look at like number five, yeah. And you just 342 00:19:20.100 --> 00:19:23.100 keep looking down. It's like five to 20 Yeah, it's just like, 343 00:19:23.370 --> 00:19:26.820 all broker videos. And it's like they're all so close in stats. 344 00:19:26.820 --> 00:19:30.060 Yeah, though. This one's two two more views than this one. This 345 00:19:30.060 --> 00:19:32.670 one 10 more views now. And this one I'm like, Yeah, all right. 346 00:19:32.670 --> 00:19:35.310 It's basically all the same. And what's the common theme here? 347 00:19:35.490 --> 00:19:39.270 It's just a ton and ton and ton of broker videos. So people want 348 00:19:39.270 --> 00:19:43.290 to watch everything they could about brokers in 2021 Yeah, on 349 00:19:43.290 --> 00:19:44.580 deBanked. TV, there you go. 350 00:19:45.590 --> 00:19:49.910 Johny Fernandez: Number four, terminology lesson. So this was 351 00:19:49.910 --> 00:19:53.990 a video about terminology and what it means what certain words 352 00:19:53.990 --> 00:19:57.320 mean, in the industry. The reason I like this video is 353 00:19:57.320 --> 00:20:00.980 because I met a lot of new people from Broker Fair A lot of 354 00:20:00.980 --> 00:20:03.320 the guys are like, hey, like were new. Thank you guys so 355 00:20:03.350 --> 00:20:06.350 much. Because a lot of the questions that they had they 356 00:20:06.350 --> 00:20:10.520 went to us versus the someone shared with me. Like I felt 357 00:20:10.520 --> 00:20:14.420 embarrassed asking someone else what this meant. Yeah. And it 358 00:20:14.420 --> 00:20:19.160 was a simple term that, you know, anyone? Can you know, 359 00:20:19.160 --> 00:20:21.080 like, if you're in the industry, you're supposed to know, yeah, 360 00:20:21.110 --> 00:20:25.610 he was new. He didn't understand it. So he came to us. And it 361 00:20:25.610 --> 00:20:29.090 worked for him because we covered just basic one on one 362 00:20:29.270 --> 00:20:29.840 things. 363 00:20:29.870 --> 00:20:32.030 Sean Murray: Yeah, the industry. And that's why we were doing it, 364 00:20:32.060 --> 00:20:34.430 because we would get some comments from people who said, 365 00:20:34.670 --> 00:20:38.300 I'm afraid to ask. And I'm like, Well, if you're afraid to ask 366 00:20:38.600 --> 00:20:41.750 how many other people are good to ask. And so we spent a lot of 367 00:20:41.750 --> 00:20:46.280 time in here, just doing like Q&A of like tournaments. And as 368 00:20:46.280 --> 00:20:49.820 it would turn out, what is an ISO, what is it basically, you 369 00:20:49.820 --> 00:20:52.010 know, what are the APR? What is it this? What is the lender? 370 00:20:52.010 --> 00:20:55.910 What is the funder? It turns out that what number did this rank 371 00:20:55.910 --> 00:21:00.410 number four? Number four was the video of lender versus funder. 372 00:21:00.410 --> 00:21:02.900 What's the difference between a lender and a funder having to be 373 00:21:02.900 --> 00:21:06.800 the fourth most watched video? Yeah, all of 2021. So you would 374 00:21:06.800 --> 00:21:09.260 think it was this is simple. What's a lender? What's a 375 00:21:09.260 --> 00:21:12.590 funder? What's the difference? Yeah, hundreds and hundreds and 376 00:21:12.590 --> 00:21:15.860 hundreds and hundreds of people. I wanted to know. Good to know. 377 00:21:15.920 --> 00:21:18.740 And we're happy to have you happy to have helped and 378 00:21:19.400 --> 00:21:22.610 contributed to the knowledge base for people in the industry. 379 00:21:22.760 --> 00:21:23.150 Yep. 380 00:21:23.600 --> 00:21:26.750 Johny Fernandez: Number three, rock financial. It was when I 381 00:21:26.750 --> 00:21:30.950 went to go over to the rock offices on Long Island and they 382 00:21:30.950 --> 00:21:33.920 gave us a tour. We sat down with James kind of got a brief 383 00:21:33.920 --> 00:21:37.700 rundown of the whole office and the space and his story and how 384 00:21:37.700 --> 00:21:40.730 they're doing how they do business there. Their expansion. 385 00:21:40.860 --> 00:21:42.810 Sean Murray: Yeah. So do you think they were Do you think 386 00:21:42.810 --> 00:21:46.260 that video ranked well, because of you? I don't know. Do you 387 00:21:46.260 --> 00:21:47.370 think they just wanted to watch you 388 00:21:47.570 --> 00:21:50.000 Johny Fernandez: No, I think they want to watch the guys 389 00:21:50.000 --> 00:21:53.270 around rock. Those are They're great guys. Fun, guys. Great 390 00:21:53.270 --> 00:21:58.190 guys. Fun office. Yeah. Good video. 391 00:21:58.190 --> 00:22:01.600 Sean Murray: Yeah. And it was nice to see we have done a lot 392 00:22:01.600 --> 00:22:06.910 of on site Docu series type videos. It certainly helps if 393 00:22:07.120 --> 00:22:11.590 whoever we documented shared the videos themselves online. Yeah, 394 00:22:11.620 --> 00:22:14.380 we don't ask that. Anyone share anything? Yeah, no, we don't. We 395 00:22:14.380 --> 00:22:17.770 don't ask anyone share anything. None of these companies paid for 396 00:22:17.770 --> 00:22:21.820 those videos. These are pure, you know, journalistic endeavors 397 00:22:21.820 --> 00:22:24.940 where we go out, we go out. And, you know, they agreed to let us 398 00:22:24.940 --> 00:22:28.210 come in and shoot a film. And they give us pretty much full 399 00:22:28.210 --> 00:22:31.240 discretion to kind of do whatever we want. You know what 400 00:22:31.240 --> 00:22:35.560 I mean? Ask what we want and create what we want out of it. 401 00:22:35.590 --> 00:22:38.500 Yep. And you know, if they share it afterwards, I'm happy with 402 00:22:38.500 --> 00:22:42.190 it. Yeah, that's cool, too. But the the rock video just to put 403 00:22:42.190 --> 00:22:44.800 just going off the raw stats that came in at number three. 404 00:22:44.800 --> 00:22:48.190 Did you say? Yeah, it's a rock financial, you know, congrats to 405 00:22:48.280 --> 00:22:51.760 to you all. You guys. Were the third most watched video on 406 00:22:51.760 --> 00:22:53.020 deBanked. TV in 2021. 407 00:22:53.020 --> 00:22:54.830 Johny Fernandez: That's crazy. That's, that's solid. That's a 408 00:22:54.830 --> 00:22:58.850 solid placement. Number two is one on one with industry 409 00:22:58.850 --> 00:23:05.330 professionals. So there were two videos on in this specific area. 410 00:23:05.690 --> 00:23:11.300 One was oz. Yep. And then the other one. G. J. Always keeps 411 00:23:11.330 --> 00:23:15.530 thinking her name is Jamie Jenny. And that was that came in 412 00:23:15.530 --> 00:23:20.570 on second in second place. Yeah. I think the reason I believe 413 00:23:20.570 --> 00:23:23.300 they're using came down number two is because that's those 414 00:23:23.300 --> 00:23:26.390 specific videos. They were good, relatable. You know, these are, 415 00:23:26.570 --> 00:23:29.270 these are people that are in the industry. You know, they were 416 00:23:29.270 --> 00:23:31.370 able to share their story, but then also give advice of what's 417 00:23:31.370 --> 00:23:32.870 really going on nowadays. 418 00:23:33.860 --> 00:23:37.100 Sean Murray: So yeah, well, part of I think the success of both 419 00:23:37.100 --> 00:23:41.780 of them is that neither of them are over zoom. Yeah. These were 420 00:23:41.780 --> 00:23:46.430 videos, where we sat down with a guest or I guess we I sat down 421 00:23:46.430 --> 00:23:49.640 yesterday in person, literally, I was in a chair. I was in this 422 00:23:49.640 --> 00:23:52.190 chair, and they sat in that chair. And we were just sitting 423 00:23:52.190 --> 00:23:54.830 straight here. Yes, studio, right. Yeah. And I think if we 424 00:23:54.830 --> 00:23:57.140 had done it over zoom, it probably wouldn't have resonated 425 00:23:57.170 --> 00:24:00.770 because we did plenty of zoom interviews in 2020. Yeah, but 426 00:24:00.770 --> 00:24:05.960 none reached a level of interest as the two people who actually 427 00:24:05.960 --> 00:24:08.930 came here so that that was one thing that we kind of learned. 428 00:24:08.960 --> 00:24:11.300 Johny Fernandez: Yeah, that was earlier on. I remember though, 429 00:24:11.330 --> 00:24:15.590 that was done earlier earlier in the year. Those videos yeah, 430 00:24:15.590 --> 00:24:18.050 Sean Murray: They were they were kind of earlier like in the 431 00:24:18.050 --> 00:24:22.070 fall. You know, I don't even Is it crazy? I don't even remember 432 00:24:22.520 --> 00:24:23.660 Johny Fernandez: I feel like there were like a little bit 433 00:24:23.660 --> 00:24:27.050 earlier on in 2021. So it was it was great videos and because 434 00:24:27.050 --> 00:24:29.060 that was one like people were like Alright, we're done with 435 00:24:29.060 --> 00:24:30.410 Zoom. We want like normal 436 00:24:30.410 --> 00:24:32.968 Sean Murray: Yeah, so so getting people to the studio. You know, 437 00:24:33.025 --> 00:24:36.617 I guess earlier in the year was kind of challenging because the 438 00:24:36.674 --> 00:24:40.153 world wasn't really ready for that stuff yet. Yeah. So it was 439 00:24:40.210 --> 00:24:43.916 really nice that we were able to have us and Jenny both come here 440 00:24:43.973 --> 00:24:47.452 into the actual studio and and sit down talk with me and they 441 00:24:47.509 --> 00:24:50.702 talked about issue that obviously people cared about was 442 00:24:50.759 --> 00:24:54.238 talked about working from home, being a do it yourself broker 443 00:24:54.295 --> 00:24:57.659 that you that you can basically you know start from scratch 444 00:24:57.716 --> 00:25:01.194 obviously he has a whole course that you did. It's called the 445 00:25:01.251 --> 00:25:04.673 business lending blueprint is his whole his whole thing. But 446 00:25:04.730 --> 00:25:08.265 he had actually trained 1000s of brokers Yeah. And he ended up 447 00:25:08.322 --> 00:25:12.029 speaking at Broker Fair, because he has such a big base of people 448 00:25:12.086 --> 00:25:15.450 that have that are following him. And so I think the amount 449 00:25:15.507 --> 00:25:18.530 of views on his video here is just a testament to his 450 00:25:18.587 --> 00:25:22.122 popularity here outside of our platform, right. And then, when 451 00:25:22.179 --> 00:25:25.715 Jenny came in, it was a little bit a little bit of a different 452 00:25:25.772 --> 00:25:29.079 feel. She was giving us some tips and marketing, some some 453 00:25:29.136 --> 00:25:32.443 business development insights, and also a little bit of an 454 00:25:32.500 --> 00:25:36.036 introspective look at kind of what was happening on the ground 455 00:25:36.093 --> 00:25:39.514 during COVID. Because she was saying that building an office 456 00:25:39.571 --> 00:25:42.537 and stuff is like very important. And as someone who 457 00:25:42.594 --> 00:25:45.787 was in business, who is in business development herself, 458 00:25:45.844 --> 00:25:49.379 she was giving us the rundown of what she did and kind of what 459 00:25:49.436 --> 00:25:52.801 she's doing and you know, what people should be doing going 460 00:25:52.858 --> 00:25:56.165 forward. So those two videos were a nice surprise, because 461 00:25:56.222 --> 00:25:59.815 these weren't, you know, big off site productions. Like some of 462 00:25:59.872 --> 00:26:03.122 the other ones we did, right? Because like for like rock, 463 00:26:03.179 --> 00:26:06.886 financial and a bunch of others. We went off site, we had a whole 464 00:26:06.943 --> 00:26:10.535 production team, you know what I mean? They go and do the whole 465 00:26:10.592 --> 00:26:13.900 thing. You're they're doing interviews, right. And then at 466 00:26:13.957 --> 00:26:17.492 the end of the day, just having a knowledgeable person sitting 467 00:26:17.549 --> 00:26:21.028 here in the studio here. Yeah. Made still beat out. Yeah. The 468 00:26:21.085 --> 00:26:24.278 high profile. high powered productions. Yeah. He's gotta 469 00:26:24.335 --> 00:26:25.590 have the right people. 470 00:26:25.620 --> 00:26:31.020 Johny Fernandez: That's it. I'm coming in at number one. I'm 471 00:26:31.020 --> 00:26:36.270 excited for this one. It was moving to 472 00:26:38.640 --> 00:26:39.450 Sean Murray: Delaware, 473 00:26:39.840 --> 00:26:44.610 Johny Fernandez: Manhattan, New Miami. Moving to Miami. That was 474 00:26:44.610 --> 00:26:47.640 the number one most watched video video series. 475 00:26:48.000 --> 00:26:49.800 Sean Murray: You had to lump them all in together because 476 00:26:49.800 --> 00:26:51.300 they were number one, two and three. 477 00:26:51.330 --> 00:26:56.550 Johny Fernandez: Yes. So of 2021 moving to Miami. I 478 00:26:57.380 --> 00:26:59.270 Sean Murray: This is this is part of a docu series. If you 479 00:26:59.270 --> 00:27:01.250 don't know what is Johnny talking about. It's a three part 480 00:27:01.250 --> 00:27:02.720 Docu series. about 481 00:27:02.930 --> 00:27:05.060 Johny Fernandez: Moving to Miami, we looked at the tech 482 00:27:05.060 --> 00:27:08.540 scene, FinTech scene in Miami. We looked at real estate in 483 00:27:08.540 --> 00:27:11.540 Miami. We talked to people in the industry in Miami, how it's 484 00:27:11.540 --> 00:27:15.410 changing Miami. And then we spoke with Mayor Suarez. And we 485 00:27:15.410 --> 00:27:18.470 had a one on one with him. So I'm proud of that series. 486 00:27:18.470 --> 00:27:24.140 Because we, you know, I came I went to you with the idea. I was 487 00:27:24.140 --> 00:27:27.530 like, hey, you know, you approved it. We bounce ideas. 488 00:27:27.710 --> 00:27:30.260 And we got to work. We went to Miami. We had long days in 489 00:27:30.260 --> 00:27:36.890 Miami. But it was um, it was it was it was a very interesting 490 00:27:36.890 --> 00:27:39.560 series overall, because there was a lot of movement going on 491 00:27:39.560 --> 00:27:42.740 there. And I also wanted, everyone was like, I literally 492 00:27:42.740 --> 00:27:45.290 met people like we're packing this week, we're going to Miami. 493 00:27:45.590 --> 00:27:48.980 And it was like this big influx of people leaving the tri state 494 00:27:48.980 --> 00:27:52.850 to go to Miami. Yeah. And I wanted to see what was what was 495 00:27:52.850 --> 00:27:56.150 the big hype? What was going on? Like what's what's, you know, is 496 00:27:56.150 --> 00:28:00.020 it really worth it? So yeah, I'm proud of that series. And we'd 497 00:28:00.020 --> 00:28:04.820 like that everything. I remember specifically, seeing if the tech 498 00:28:04.850 --> 00:28:07.550 like the whole tech movement, we we spoke with some people in the 499 00:28:07.550 --> 00:28:10.940 industry that were also dabbling in FinTech. And that was great. 500 00:28:11.150 --> 00:28:15.890 And I think also hearing Suarez Mayor Suarez speak about just 501 00:28:15.890 --> 00:28:21.110 like how his vision you know that that was also a highlight 502 00:28:21.140 --> 00:28:24.350 of it. And looking at the real estate, that was a huge thing. 503 00:28:24.350 --> 00:28:26.960 Because in Miami, everything, you know, people were just 504 00:28:26.960 --> 00:28:30.530 coming, paying in cash. Like, it's literally changing the 505 00:28:30.530 --> 00:28:35.960 entire landscape of Miami. Just having this influx of people go 506 00:28:36.260 --> 00:28:39.410 and be there and just live it and literally, they're like, 507 00:28:39.410 --> 00:28:42.470 we're never going back to New York. And I'm like, All right. 508 00:28:43.220 --> 00:28:47.480 So cool. I want to capture that I want to capture that. So yeah, 509 00:28:47.780 --> 00:28:51.020 that was moving to Miami. If you haven't seen it, please, either 510 00:28:51.020 --> 00:28:54.410 go go to deBanked and look for it and it's gonna be there. It's 511 00:28:54.480 --> 00:28:58.740 Sean Murray: Yeah, you can if you go to deBanked.com slash TV 512 00:28:58.740 --> 00:29:03.330 or deBanked.TV in your browser, you can click Docu series, one 513 00:29:03.330 --> 00:29:06.300 of the tabs there on the top of deBanked TV and we'll give you 514 00:29:06.300 --> 00:29:10.410 all the Docu series that we've done. All three Miami versions 515 00:29:10.440 --> 00:29:13.860 are there so you can go and check them out yourself. And, 516 00:29:14.220 --> 00:29:17.700 you know, Miami is near and dear to our heart because it is our 517 00:29:17.700 --> 00:29:21.660 second biggest market in viewership and readership. Yeah, 518 00:29:21.690 --> 00:29:23.220 so and we'll be back in Miami 519 00:29:23.250 --> 00:29:25.080 Johny Fernandez: We'll be back in Miami. The industry is back 520 00:29:25.080 --> 00:29:28.890 in Miami. March 24. Miami 24. 521 00:29:29.400 --> 00:29:31.500 Sean Murray: That's right. Yeah, the 20 Johnnny is diverting from 522 00:29:31.500 --> 00:29:34.170 the 24th level of Miami. That's the highest level 523 00:29:34.660 --> 00:29:37.930 Johny Fernandez: You can get. No March 24 Miami location is going 524 00:29:37.930 --> 00:29:41.860 to be the JW Marriott Marriott Marquis That's right. Make sure 525 00:29:41.890 --> 00:29:46.870 not forget the marquee. Yeah. Yeah, we will be in Miami for 526 00:29:48.100 --> 00:29:51.910 debate connect. And it's gonna be a good time. We have fun 527 00:29:51.910 --> 00:29:55.560 Sean Murray: And tickets are on sale at deBankedMiami.com. The 528 00:29:55.560 --> 00:29:58.230 prices you see now with the early bird special we will 529 00:29:58.230 --> 00:30:01.740 change the price and make it more So when we say buy your 530 00:30:01.740 --> 00:30:05.370 tickets now, it's only to your benefit. Because if you wait, 531 00:30:05.400 --> 00:30:08.280 and it's fine, it's fine. If you wait, you can, you know, you can 532 00:30:08.280 --> 00:30:11.400 wait, right? You can wait if you feel like there's uncertainty, 533 00:30:11.400 --> 00:30:15.420 but you will pay more if you wait. So one of the benefits of 534 00:30:15.540 --> 00:30:18.810 buying a ticket early is that you do pay less than other 535 00:30:18.810 --> 00:30:20.880 people who are going to the show, I think that's a pretty 536 00:30:20.880 --> 00:30:23.220 good benefit. No it is a great benefit. It's not like this 537 00:30:23.220 --> 00:30:26.310 event of the year away. Yeah, you know, what is it January, 538 00:30:26.340 --> 00:30:29.100 February, March, you know, we're literally three months away, 539 00:30:29.280 --> 00:30:32.670 already. So this is already this is already on the agenda for 540 00:30:32.670 --> 00:30:35.010 coming up. This is not a down the road thing. We're like, you 541 00:30:35.010 --> 00:30:38.070 know, who knows what my plans are going to be? March 24, in 542 00:30:38.070 --> 00:30:41.400 Miami is only three months away. If you buy your ticket. Now. It 543 00:30:41.400 --> 00:30:44.820 is cheaper. And when we raise the price, we might not even do 544 00:30:44.820 --> 00:30:47.460 a big announcement, we might just, you know, flip the switch 545 00:30:47.460 --> 00:30:49.680 and change it one day. And that's just the way these things 546 00:30:49.680 --> 00:30:53.850 go. So if you'd like to be a part of the event, buy the 547 00:30:53.850 --> 00:30:57.720 tickets sooner rather than later. We don't want to end up 548 00:30:57.720 --> 00:31:01.560 in a situation with as we have with every other event where you 549 00:31:01.560 --> 00:31:05.460 wait until the last minute and then we tell you. Sorry. Yeah. 550 00:31:05.490 --> 00:31:08.790 Right. So not only, not only, do we have tickets available right 551 00:31:08.790 --> 00:31:12.210 now? But they're also cheaper? Yeah, that's one of the cool 552 00:31:12.210 --> 00:31:15.090 things. Yeah, that's coming up in 2022. 553 00:31:15.840 --> 00:31:21.240 Johny Fernandez: So in regards to 2021, Dubai, it's been great 554 00:31:21.240 --> 00:31:22.350 hanging out with you all here. 555 00:31:22.380 --> 00:31:24.450 Sean Murray: Are we gonna like? Like, are we gonna like hug now? 556 00:31:24.540 --> 00:31:29.970 Sure. Okay. Yeah. I guess not here. Johnny turned me down. 557 00:31:29.970 --> 00:31:32.880 We're gonna hug it. Like, oh, no, this was we were I wasn't 558 00:31:32.880 --> 00:31:34.650 even going to do this. But now I feel like I have to do 559 00:31:34.650 --> 00:31:37.800 something. So I was going in for a hug. And he's like 560 00:31:41.820 --> 00:31:44.850 Johny Fernandez: It's been great. 2021 at deBanked has been 561 00:31:44.850 --> 00:31:45.180 great. 562 00:31:46.230 --> 00:31:48.060 Sean Murray: I'm glad you got to go to your first deBanked event. 563 00:31:48.060 --> 00:31:52.050 I'm glad you got to see Broker Fair for yourself. If anyone out 564 00:31:52.050 --> 00:31:56.550 there did not see the videos, you go to deBanked.com/tv. Click 565 00:31:56.550 --> 00:32:00.090 on the Events tab. Okay, well, there's like 40 or 50, Broker 566 00:32:00.090 --> 00:32:03.300 Fair videos ten hours worth of videos. And we you know, we 567 00:32:03.300 --> 00:32:06.600 didn't even process everything. We have just kind of been going 568 00:32:06.600 --> 00:32:09.120 through them one by one. So if you're like, hey, where am I? 569 00:32:09.120 --> 00:32:12.360 Oh, where's my video is possible that there's still some clips we 570 00:32:12.360 --> 00:32:16.470 haven't put up there yet? Yeah. Yeah, yeah. It's just been a 571 00:32:16.470 --> 00:32:21.090 wild ride. Yeah. 2021 We started started off thinking that Broker 572 00:32:21.090 --> 00:32:24.210 Fair was going to be I think we were thinking it was gonna be 573 00:32:24.210 --> 00:32:29.010 earlier in 2021. And yeah, ended up becoming December, December. 574 00:32:29.250 --> 00:32:30.930 But it happened. It happened. It happened. 575 00:32:31.410 --> 00:32:33.780 Johny Fernandez: It happened after a long time. And it 576 00:32:33.780 --> 00:32:37.680 finally happened. And now we're moving on to 2022 I'm excited. 577 00:32:37.710 --> 00:32:40.560 You're excited. The whole office excited cause you got a bunch of 578 00:32:40.560 --> 00:32:43.380 good stuff coming up. Yeah. And it's gonna be great. The 579 00:32:43.380 --> 00:32:44.400 industry is back. 580 00:32:44.960 --> 00:32:47.510 Sean Murray: The industry is back spin back. But yeah, yeah, 581 00:32:47.540 --> 00:32:51.620 you know, I would, I can't not mention that the kind of the, 582 00:32:51.650 --> 00:32:54.110 the climate with, you know, some of the COVID stuff is starting 583 00:32:54.110 --> 00:32:56.960 to ramp back up again. So I don't want it to be like, we're 584 00:32:56.960 --> 00:32:59.240 always super excited and ignorant of reality of what's 585 00:32:59.240 --> 00:33:01.700 happening on the ground. Like, we're here in New York City. 586 00:33:01.790 --> 00:33:04.400 Right. Yeah. And like the, you know, the, the hysteria is 587 00:33:04.400 --> 00:33:08.300 definitely starting to come roaring back. So we'll see what 588 00:33:08.300 --> 00:33:11.840 happens in the month of January is as excited as we are about 589 00:33:11.870 --> 00:33:16.580 everything, right. And we are excited, we will kind of keep a 590 00:33:16.580 --> 00:33:20.690 gauge of what's happening in the industry, and report everything 591 00:33:20.690 --> 00:33:24.260 that we learn to you so that you can do what you need to do with 592 00:33:24.260 --> 00:33:27.350 with that information. Yeah, well, that means you know, if 593 00:33:27.350 --> 00:33:29.720 you if you need to scale back funding certain types of 594 00:33:29.720 --> 00:33:32.240 businesses or deploy more capital to other kinds that 595 00:33:32.240 --> 00:33:35.120 stand to benefit. That's the kind of information that we 596 00:33:35.120 --> 00:33:37.610 should have access to, just by virtue of the amount of people 597 00:33:37.610 --> 00:33:42.530 that we're speaking to. So, you know, we're, you know, we've got 598 00:33:42.530 --> 00:33:44.930 our ear to the ground and everything that's going on, and 599 00:33:44.930 --> 00:33:47.360 we'll kind of see what's happening with this, this 600 00:33:47.360 --> 00:33:51.560 latest, this latest spike of whatever, you know, it feels a 601 00:33:51.560 --> 00:33:53.720 little bit it feels a little bit like last year, yeah, 602 00:33:53.720 --> 00:33:57.470 unfortunately, but I don't even say it's name anymore. You don't 603 00:33:57.470 --> 00:33:59.540 even say his name, you know, I would prefer not to say it's 604 00:33:59.540 --> 00:34:02.540 name. But at the same time, if you're out there listening, just 605 00:34:02.540 --> 00:34:06.050 know that we don't live in a in a universe where, you know, we 606 00:34:06.290 --> 00:34:09.920 we pretend certain things aren't happening. It's our it's our 607 00:34:09.950 --> 00:34:12.890 business to let you know what's going on. Yeah, and if there's 608 00:34:12.890 --> 00:34:15.350 something you need to know to make adjustments in your, in 609 00:34:15.350 --> 00:34:18.140 your finance finance company, hopefully we'll have that 610 00:34:18.140 --> 00:34:18.740 information. 611 00:34:18.780 --> 00:34:22.530 Johny Fernandez: Yeah. Oh, obviously relates you guys. So 612 00:34:22.920 --> 00:34:25.170 for the last time in 2021, 613 00:34:25.930 --> 00:34:27.190 Sean Murray: Are we going to be are we going to come back 614 00:34:27.190 --> 00:34:27.910 looking older, 615 00:34:29.020 --> 00:34:30.310 Johny Fernandez: Maybe or younger? 616 00:34:30.520 --> 00:34:32.140 Sean Murray: Or we'll come back looking younger Okay, how did 617 00:34:32.140 --> 00:34:32.710 that work? 618 00:34:34.290 --> 00:34:35.370 Johny Fernandez: I'll let you know next year. 619 00:34:35.420 --> 00:34:39.440 Sean Murray: Okay. Something to look forward to. Johnny's got 620 00:34:39.440 --> 00:34:43.580 his recipe for youth that he's not going to disclose until next 621 00:34:43.580 --> 00:34:47.630 year. Is that it? Are you gonna Are you gonna come back in like 622 00:34:47.630 --> 00:34:54.410 a five year old like, like, like, like, drinking too much of 623 00:34:54.410 --> 00:34:56.090 that, that youth potion, youth potion 624 00:34:59.870 --> 00:35:00.710 Johny Fernandez: No, I'm getting old 625 00:35:01.370 --> 00:35:02.030 Sean Murray: You're getting old. 626 00:35:02.030 --> 00:35:06.050 Johny Fernandez: I'm getting old. I'm, I realize I'm you 627 00:35:06.050 --> 00:35:10.550 know, join my youth man. Well, you still have it I still have. 628 00:35:11.300 --> 00:35:14.450 Then you have kids and then you get married and you're 60 By the 629 00:35:14.450 --> 00:35:20.720 time you know and then that's it. Yeah, yeah. Then you die 630 00:35:20.930 --> 00:35:25.160 Sean Murray: Well 2022 That's what I love what I love what 631 00:35:25.160 --> 00:35:29.780 Alia What a lovely, lovely synopsis to live. Yeah. 2022 632 00:35:29.780 --> 00:35:33.890 with the year that I will turn 39 Really? Yeah, so that will be 633 00:35:33.920 --> 00:35:38.660 that will be my last hurrah. Oh, man, my last hurrah of youth. If 634 00:35:38.660 --> 00:35:41.480 you can consider me young, which I of course do because I Right. 635 00:35:41.580 --> 00:35:45.270 Johny Fernandez: Yeah, you are. Cool. All right. Well, it's been 636 00:35:45.270 --> 00:35:49.290 a pleasure. See you next year. See you next year. See you guys 637 00:35:49.290 --> 00:35:49.920 next year. 638 00:35:49.920 --> 00:35:52.434 Sean Murray: We'll give you a big hug too. That's a hug from 639 00:35:52.495 --> 00:35:53.040 us to you 640 00:35:54.540 --> 00:35:58.307 Johny Fernandez: From all of us here at deBanked. Last time, in 641 00:35:58.388 --> 00:36:00.600 2021. I'm Johnny Fernandez. 642 00:36:00.930 --> 00:36:01.860 Sean Murray: And I'm Sean Murray. 643 00:36:01.920 --> 00:36:04.830 Johny Fernandez: I will see you guys next year. Have a good one.