DFIN (Decentralized Finance), Web 3.0, DeFi, Banking, Digital Finance
and Economic and Political Inputs That Impact Asset Values Since 1996
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Economics

I have extensive successful experience in running a bank.  This included learning the economics needed to prosper in a bad economy. I outperformed competitors in every poor economy including the high interest rates in the late 70s and early 80s.

The economy today is more comparable to the late 70s and early 80s then the recent great recession of 2008. Inflation, higher interest rates, lower real estate prices and asset prices will continue to deteriorate.

Why Are Home Prices Weak   Excess Office Space


 


 

 


Featured Content November 2022 - Receiverships

Gary Lewis Evams The unprecedented COVID economy shutdown, expansive FRB monetary policies and excessive fiscal stimulus will result in the worst economy of my lifetime. Your home, stocks and many assets are going down in value.  Inflation will be worse than many have experienced. Unfortunately, inflation will be with us for longer than most expect.  When we factor in the work from home phenomenon, the result will be high office vacancy rates, lower office values and more bank problems.

The policies described above will lead to stagflation like I saw as a bank CFO in the late 70s and early 80s when Prime reached about 21%.  I am not saying 21% will be the current cycle high, but it could be.





 
The 2023 - 2024 Opportunity

In addition to banking, digital finance and technology have been my life since the early 90s. My focus today is preparing for what I expect to be the worst economy of my life.

I have been a fiduciary for my entire banking career (three banks were family owned) and I have been hands on for all types of complex loan pool purchases and real estate workouts since the late 80s. This is unusual for a bank president but the pools were high risk, very profitable and sold at large discounts. More important, it was an opportunity to train staff. This will benefit loan pricing and sales when needed.


The depth of my skills range from manufacturing, automotive, construction, finance (as a CFO) technology, payments, Fintech and banking. Few can be a qualified receiver for a failing construction project and a technology company.

Gary Lewis Evans, Principal of DFIN is offering problem bank asset management, complex income property loan pool underwriting and managing receiverships as the receiver. This includes bank receiverships or rescues. My broad experience in leadership positions in every bad economic cycle since 1975 is unique in advisors. My due diligence is based upon hands on experience.  I am capable to both advise a bank and provide hands on project leadership or work with regulators on a bank receivership.

Receivership Specialist Experienced Bank Receiver

For those that are prepared, their is good news outside of the collapsing physical economy. The digital economy is growing. The Metaverse and Digital real estate is an opportunity for those that do their homework. Metaverse real estate is still a newer product that is experiencing wild swings in value, but I expect Metaverse real estate to do well in the long run.  I should mention Crypto Currency, but I have nothing good to say. One day Crypto, stable value currency, will be common and valuable.


Chapter Topic Index
Home Prices are Going Significantly Lower in 2022/2023

Office Space will suffer more
ESG -Coming Soon
ESG


The Metaverse

Virtual Real Estate Information and Education

DFIN
News On LinkedIn
Glossary

Fintech
-
Metaverse
-
Global Warming

U.S Debt Problem

The Elephant
in the room - $30T+Deb
t




Falling Home Prices

Real Estate and Home
Prices Will Crash in 2022
and 2023.  March 2022 is
about as good as
pricing gets.  We are
on the Road to
Lower Prices. 
- It's Just Math
Domain Names
 and The Metaverse



News On LinkedIn
CPI Calculator

In 1957 Two McDonalds Hamburgers would have cost  .30 cents. Comparable to $3.22 in August 2022 Dollars
Financial Calculator
Calculator
Gary Lewis Evans
Summary Bio


Gary Lewis Evans
Detailed Bio


Gary Lewis Evans
Receivership Bio
Tax Research 
A Focus on Domain Names

Domain names are the real estate of the future
Cyber
Security

Information and Education

Join with Dfin in the
Metaverse,

SEE RFP


We will bring decades
of banking experience
 and Great Domain Names
Guest Articles
Historic Info
The Mortgage Rate in America Every Year Since 1972 Confusing Climate Change Predictions Visual Capitalist

Great Data and
Timely Graphics
COVID 19

The Lingering Impact
on the Economy
St. Louis Federal
Reserve Bank
30 Year Mortgage Rates
FHLMC
Primary Mortgage Market Survey®
   
 


DFIN Insight Includes Opinions and Analysis

Digital Real Estate Links Below
Digital Real Estate Metaverse   Domains For Sale

Lets Track Digital Real Estate to Ever Higher Prices

Economics
Graphics
and
Charts


Sometime a Picture is
Worth 1,000 Words
Poverty
in
 the US


A Little Freedom Will Go a Long Way
CyberCatch
 
Cyber Security

Cyber Catch
 
Opinion
on
Digital

Assets


Domains -
NFT -
Metaverse
The
Dumbest
Generation


A DFIN Special
Collection
  of Articles
Some are Funny
and Others
 are Sad
Who Owns The
Nissan
Brand


Nissan Motor
Sued Nissan Computer For Trademark Infringement, Trademark
Dilution And Cyber-
Squatting Seeking
10 Million
Dollars In Damages,
Nissan Motor Won't win.
AI Demo

A very good demo of AI using Google Assistant to make a restaurant reservation
DFIN
Comments


Non-Fungible,
Domain Farm, NFTs,
Blockchain and

Crypto Currency
Indian Country - Needs Help
This is a Great Opportunity
   Financial Snapshot
of Native
Americans
7 reasons to invest
in domain names

Free from tax and
 insurance.  Cost-
effectiveness. Limited
 supply and growing  demand. Unique value.
Capital appreciation. Depth of
 investment. ROI
The Path
to
Open Banking


1994 the first of three phases
began when I was president
La Jolla Bank in
La Jolla California.
This first phase
was branded  as Bank of
The Internet (BofI).
How Much House Can I Afford?

Home Affordability Calculator
This is a very
easy tool to use
Great explanation
of key items

You Can Make Your Own Fuel

DIY Home Biodiesel Production: 
fuel independence. Step by Step
Here’s how to settle
 your loved one’s
 estate after they
 pass away


The first step is getting
 recognized as executor
 by the court and
taking inventory
of the deceased
possessions
10 cheapest
U.S. cities to buy a
home and what
makes them special -
Market Watch


Growing working from home and or the Metaverse this markets should experience a revival
S&P/
Case-Shiller
 U.S.
National
Home
Price Index
Claiming Reserved
 HNS Names


How to easily claim
 reserved HNS names.
Handshake’s blockchain
 design is truly one of a kind. Web2 participants
 to the dWeb
.
The Path
to
Open Banking


1994 the first of three
phases began
when I was president
La Jolla Bank
in La Jolla California. 
This first phase
was branded
 as Bank of
The Internet (BofI).
The Future of
Banking Digital
Cash & DeFi
For The Metaverse



Bank Advisory, Project Management, Receiverships

 
DFIN – DFIN premiered in the McGraw-Hill book, The Financial Institutions Internet Sourcebook in January 1997. DFIN has been owned by Gary Lewis Evans and online since 1996. DFIN started with a focus on digital finance and has evolved to include DeFi, digital real estate, and the Metaverse. A common thread is asset values and events that impact the values.

Banking: My banking career began in 1971 and I was an Internet Banking Pioneer in 1994 as President of La Jolla Bank. I was a founder and CEO of BofI, (Bank of Internet) in 2000. The name was changed to AXOS in 2018. AXOS is the most successful and profitable modern digital bank.

Project Management / Consulting - As a long time, hands-on banker that learned the banking fundamentals in the 1970s, I have managed all aspects of a bank since the days when we only had ten key adding machines and minimal computing power. I have been a CEO, CFO, CCO and COO In addition to my operating skills, I have led the design and building of deposit and loan processing and servicing platforms that were powered by staff-built RPA. I have extreme banking knowledge and a history of innovation that will benefit a bank seeking the right path in the transition to the Metaverse. My skills are adaptable to help banks work with FinTech and help FinTech better understand banking issues.

Primary Focus Today - In addition to bank projects and complex loan pool underwriting, Due to the impending recession that may be better described as Stagflation, I am reviving my receivership, asset management, and controlled bank liquidation skills.  

                                                         See Receivership



Speaking Engagements

As an Internet Banking and Fintech Pioneer I bring a dynamic experienced but fresh approach as a speaker.   I am available to speak at conventions,  industry meetings or to a company's management.  I bring unique hands on experience and insight that bridges old and new banking, retail payments and retail banking models.

My presentation will be designed for the audience.

See:
LinkedIn Bio - https://www.linkedin.com/in/garyevans/

Author: The Financial Institutions Internet Sourcebook: McGraw-Hill; 1st edition (January 1, 1997)




Non Fungible Digital Asset Overview
1st Time DFIN offered For Sale

Non Fungible physical and digital assets are common and take many forms. Physical forms can range from art to real estate. Digital assets are just that - Digital. The monetary value is a function of supply and demand.

Most physical and digital non fungible assets are of no value and some are very valuable.  The Mona Lisa and the Domain Amazon.com are very valuable.

The US Dollar and Bitcoin are fungible.  One dollar is the same as another and the same can be said about Bitcoin. Their is only 1 DFIN.com or Rodeo Drive in the world.



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Easy to Become a
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Deloitte Launches
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Contact: Gary Lewis Evans, GLE@DFIN.com

PRIVACY NOTICE

LinkedIn Bio; https://www.linkedin.com/in/garyevans/


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