The year 2020 brought a wild ride to everyone, from the fleeting pandemic to the divisive elections. And now that the new year is upon us, it is time for a fresh and reassuring goal setting. In this episode, Dan Deppen recaps the crazy year that was 2020 and how it impacted the notes business. He talks about his process for setting goals and shares some of his plans and aspirations for 2021. Furthermore, Dan also tells some interesting stories from the closing year, from the nightmare process he underwent in selling his hoarder house, his YouTube and podcasting wins, and his victory in a golf competition.
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2020 Review And 2021 Goal Setting
Recapping 2020
In this episode, I’m going to be talking about goal-setting for 2021. It’s a popular topic this time of year as we get into December. I’m also going to do some recapping of 2020 mostly from the perspective of the note industry. This has been a wacky year. There’s a lot of stuff going on and that’s happened that we don’t necessarily need to rehash so I’ll keep this note-specific. I’ll talk about some of the ways that I go about setting goals in a way that those have evolved and some of the specific things that I’m looking to do as we get into 2021. First, we want to talk about recapping 2020.
There was lots of terrible stuff. There’s no denying that. I’m trying to say 2020 was good in a lot of ways. It makes me think of the scene in Naked Gun, where Frank Drebin was saying, “Nothing to see here,” and there are explosions in the background. The pandemic and lockdowns were not fun and had a lot of impact on note investors, mainly because of courts being shut down. I had a lot of loans, nonperformers going through the legal process that’s been on perpetual hold. Not only were the court is closed for a while but then once the courts got back open then they had this giant backlog to work through. I don’t know how many times this 2020 that I would finally get a court date and I would be excited that things were going to move along.
The judge would say, “We’re going to do this next month.” Things got moved. I did get one forfeiture and eviction done in Omaha. I’ve got some others that are getting closed. I did some Cash for Keys and some other things. I did get some REOs but everything was slowed in a lot of areas. These continue to be slow. What I’m seeing in the counties where I’ve got deals in the legal process, the courts are open but it’s a matter of getting a court date where the judge makes a ruling. I’m still seeing some delays there. I expect that those are going to move faster as we go along. I had a conversation with Franco Barile. He was looking at buying a new nonperformer. In the end, I was asking him how things were going there.
He’s in Indiana, they’re on their normal process. He’s looking at foreclosures taking about 6 to 8 months which is typical for that state. A lot of effects and things happened that I didn’t anticipate. I’m not even recapping the goals that I set coming into 2020 because like everyone else, a lot of my plans flew out the window as we got into the year. As I was going back in reviewing, it was interesting how some of the things I have for 2020 were not goals but I also make a lot of plans for trips to do different things.
A lot of that stuff got kiboshed but it was interesting how 2020 started strong. In February, I got a lot of good work done. I took a guy’s golf trip to Las Vegas. I played in some cool golf courses like Wolf Creek in the skeet. I also went to Fort Lauderdale for the IMN Conference. I met a lot of interesting folks there. That was great. It was around at the end of February 2020, I was having a conversation with a friend of mine who lives in Germany and he has a lot of friends in Northern Italy. He was telling me, “In Italy, they’re starting to lockdown where you have to stay in your house unless you’re going to an essential job, grocery store or pharmacy.” I’m thinking, “That’s weird. I’ve never heard of anything like that. This is unusual.” That was my first real clue of what was to come then that hit us here a few weeks later.
When those initial shutdowns hit, they were saying, “This is going to be 1 or 2 weeks.” I didn’t think we’d be at the end of 2020, still dealing with spikes and a lot of these issues. I’ve been fortunate in a lot of ways. A lot of people have had a lot of personal tragedies this year. I’ve had some personal stuff as well but not as bad as some others. The one thing that was the topper for me in 2020 was the fraternity house I lived in when I was in college. It was a cool property and we had this detached that was like a party barn. It was a special place for me. I had a lot of good memories there. That thing burned to the ground. It was particularly surprising.
Back to all the crazy shenanigans, things that transpire around there and the fact that it would burn down is not a complete shocker but this ended up being an electrical fire and a fluke. Something like that is going to happen. Fortunately, in that fire, no one got hurt. Everyone was okay. They were going to get that thing rebuilt. It’ll be all right. It’s a zany year all around. As far as the note market itself in 2020, what I saw from my perspective was pricing continued to increase a bit. As we came out of the end of 2019, the market felt like it was getting tighter because the economy was very hot.
When COVID hit earlier in 2020, I expected prices to drop so I got a little more conservative right away then. I haven’t quite seen the drop in pricing throughout. When we were in March 2020, I would not have predicted that real estate prices and the stock market being as high as it has been. I realized that pricing doesn’t reflect the underlying economy necessarily but everything has been a lot more resilient, given what happened than I would have anticipated. I’m seeing note prices continue to climb and there’s been a tightening of supply, not quite as many sellers in the market. My sense of it is a lot of the potential sellers have been holding tight for the most part.
There also has been a mismatch between buyers and sellers. I’ve seen sellers wanting relatively high prices and in some cases, the same prices. It’s not unusual for some sellers to want insane prices. That’s normal, but I’ve been seeing that a little more almost across the board and then buyers got more skittish. Buyers lower their pricing and sellers raise theirs so I didn’t see as much trading in 2020 as you would normally see. I wouldn’t say that the market was frozen. By any means, it’s icy or slushy as there’s been this mismatch. As we get into 2021, that’s going to shift. At some point, those buyer and seller expectations are going to come closer together and then we’ll start to see more loans trade hands but 2020 was relatively tight overall.
A lot of that is if you look at this economic crisis, it will produce the next wave of notes but this is a different circumstance than what we had years ago with the financial crisis. When the financial crisis hit, it was real estate-led. Real estate prices got inflated and people were borrowing to support that level of pricing. When housing prices collapsed and then all these nonperforming mortgages went on the market, a lot of these loans were upside down and had negative equity so you saw a lot of deed in lieu and a lot of lower pricing relative to UPB and DPO. Part of the reason the pricing has held steady this 2020 is that real estate values are high and there’s a general shortage of supply.
Wrap your head around the things you're trying to do with your life. Click To TweetI couldn’t tell you exactly what the root cause of that is. It seems like we haven’t been building enough housing over the last couple of decades. There is a good friend of mine who I go to the CrossFit gym with who’s a Keller Williams realtor here in the Denver area. He was telling me that in the Denver Metro Area, the supply of single-family homes is about 3,500. Keller Williams estimates that to have what they consider a stable market, they need about 35,000. In the Denver area, you’re looking at about 10% of the housing supply needed for a stable market, let alone an oversupplied market. I know a lot of other areas are similar as well. I think that trend is going to persist and who knows where real estate prices will go.
The Things That Went Well
I would guess they’ve got to cool off and drop off at some point, but given that supply-demand equation, I don’t know that you’re going to see things necessarily fall off a cliff like they did several years ago. The other thing I want to talk about is all the things that went well because everybody likes to dwell on the bad stuff that happened in 2020 but there was a lot of good stuff that happened as well. For me, personally, I finally got my business where I wanted it.
These last few months of 2020 from about September on have been particularly good. Back in August of 2018, when I started working on my business full-time, I had a battle plan and some goals. I’m always doing that. If you do a note deal, it’s often taking you 1 to 2 years to get you an exit so a lot of those took longer than I thought. It took me two years to get the business to the point that I originally planned to get to within one year.
If you look at other engineering projects that worked on another thing, that’s par for the course in some ways, but business was good throughout this net. I did not buy as many loans as I would’ve liked because of that tightness of the market that I talked about. I also made a shift to doing more performing loans and sub-performing loans because I found it more challenging to find the type of nonperformers that I like to buy. A lot of the non-performers I was seeing were either vacant or very stale where there hadn’t been any payments in several years and you were going to end up with the property.
I don’t do too many deals where I knew I’m going to end up at the property. I do it now and then but only certain circumstances lined up. The other thing, I’ll tag this one as having gone well. It was definitely painful but in other podcasts, I’ve mentioned the hoarder house that I had. This was a nightmare deal from beginning to end. I was finally able to exit it early this 2020. That was a big relief to get rid of it. Financially, I took a beating on it. The saving grace on that was that this was one I had done with my own money. At least, I didn’t hurt anyone else with it, just myself. I’ve been attending for a while to go through and do a case study on this in detail.
I haven’t had the stomach to put it all together although there were a lot of lessons learned from this deal that I’ve incorporated into my business. I can talk about it a little bit here. This was a nonperformer that given the circumstances, I knew was heading to foreclosure. There were a number of mistakes I made and then everything that could go wrong did go wrong after that. Mistake number one was I bought this loan from someone who, at that time, I thought was my friend. I didn’t necessarily scrub this as well as I should have. When I’m doing things with my own money, I’m often a little more fast and loose and less thorough than when I’m doing it with other people’s money, which is you should be consistent throughout.
The first mistake I made going into this was paying more for it than I should have. That’s the thing that started the whole ball rolling. I bought the loan, completed the foreclosure process and the eviction process. That took some time. When we got in the house, we found out that there was waist-high deep trash throughout the entire thing. It was about 1,800 square feet. I had to get 440-yard dumpsters to get everything cleaned out. I did find some local folks from Craigslist who did a good job getting it cleaned out. I had originally had some clean out quotes of $10,000 to $15,000. I ended up doing it for about $3,000. I also got fortunate that the bones of the house were okay but the house itself was wrecked. The roof was okay. The main structure and everything were okay.
At that point, when I could sell it, I was going to take a big beating if I sold it as is. I decided to try to rehab my way out of it. I had problems with the first contractor. They did not do what they were supposed to. They painted over doorknobs, windows, and all kinds of stuff. That was a mess. Muncie, Indiana is a tough place. I went through a variety of vendors and not a damn one of them did what they were supposed to. I went through three different realtors. What happens is, in general, in your notes business, you find some vendors that are amazing and others that are terrible. On this particular deal, everyone in this town was horrible from top to bottom.
It was unbelievable. I’ve never seen anything quite like it. That rehab process dragged out a lot longer than it should have. It was a lot more expensive than it should have been. When we got to the point of selling it, the buyers were tough. The cash buyers were not willing to pay remotely what it was worth. It’s a very different experience than I’ve had in other cities. I’ve dealt with a lot of REOs, either signed on the cash buyers and I’m doing minor rehabs in other places and this was like one of Dante’s circles of hell. It was difficult. The buyers were picky about different things. I ended up doing additional fixes to try to get this thing sold. It was very frustrating.
I’m working in this town where nobody does what they’re supposed to do and you’ve got hoarders. I don’t say a lot of trash people that I dealt with but then all the buyers were very picky, more so than other markets but I was finally able to get it sold. It did get sold and netted. It did better with all those rehabs, holding costs, and nightmares than if I had sold it as is although, from a dollar perspective, it wasn’t worth the additional stress. I think long-term this was going to be super useful as far as my education as a note and real estate investor because I walked away with boatloads of lessons learned on this one. I try to think of note investing as a 30-year game so I’ve got more years left to run with this stuff.
This one was a nightmare and cost me some money. It’ll serve me well in the future. As far as 2020 goes, it was good to get this one off my damn plate because this thing drags on for around two years overall between the legal process and everything else. I’m glad to be done with that one. The other thing that went well is I continued to improve my systems and processes. I’ve talked about this a little bit in other podcasts. As we get into 2021, I’m going to make some more content around this but overall, the flow of my deals is better.
If you look at the process between receiving a tape, filtering pricing, putting in offers, doing due diligence on the accepted offers, getting loans boarded, and then managing them once they’re in the system, that whole process was a lot more streamlined. It was a lot smoother. It will do with a lot less stress. Things became less manual. I dealt with a lot of templates. For some of these various things, a lot of standard operating procedures like template letters and documents. I use this plugin to do a mail merge called MergeFactory so I can quickly put out documentation, letters, other things, and then brought on Wendy, who has been spectacular this whole year. That aspect has gone well. My business is now much more scalable and a lot less manual.
When the market gives a good opportunity, snatch it up. But if the good deals aren't there, it's okay to back off a little bit. Click To TweetThe other thing I noticed and I don’t know how much this was me, but the vendor performance overall was better. In 2019, I was tearing my hair out at different points with some of the vendors I was using having to follow up on every little thing. It felt like in 2019, if a vendor was supposed to do something and I didn’t follow up, it was never going to happen, going to cost me in some way. I made some vendor switches in other cases. My processes of following up with them helped. In one case, the loan servicer itself improved. There was one loan service where I kicked to the curb which was great. Overall, the backend of the business got a lot better.
The other thing that went well was the training courses that I built. At the end of 2019, I released the Due Diligence course. This 2020, I released the pricing course. The dirty secret behind teaching something, building some training, or making YouTube videos is if you want to get good at something, go teach it. What it does is when I built a Due Diligence course, it was a forcing function for me to get my processes tight and well thought through. I’m the biggest beneficiary of these but a lot of people bought them, used them, went through them, and were able to start buying notes. I also got a lot of good feedback on these which is nice.
It’s a few lessons learned in them that I’m going to adjust. One of the things I tended to do in the Due Diligence course is I wanted to make that very detailed and have all the bases covered. In a few cases, that can be a little overwhelming for folks. Some folks like that but other folks are looking for something a little more streamlined. I’d be making some changes to some of those things as we go along in the coming year. The other thing that went well was the audience growth. I’ve got about 850 subscribers to the YouTube channel.
If you’re not a subscriber, I highly recommend you do that because I have a lot more content coming out. In December 2020, it will be closer to 900 by the time we get to the end. That was up from 500 at the beginning of the year. Basically, I’m picking up about one YouTube subscriber per day. That’s healthy. There are other note related channels that have more. I did a look at how everybody else sits. Given how long this is running and the growth path are good. YouTube gives you all kinds of crazy analytics. I’ve started to delve into but there were about 1,500 hours of total watch time on the channel.
What Lies Ahead
The podcast has continued to grow. I’ve been getting about 250 downloads per podcast episode. We’re looking to increase that in 2021. The other thing on a personal note is I’ve always been obsessed with golf. I was able to get my handicap to turn an all-time low of plus one, which was great and I was able to win my Club Championship in a dramatic three-hole playoff which was fun. That was one of the highlights of my year looking forward to hitting that hard again as we get into 2021. What lies ahead next year as far as the note market goes? The big question is what’s going to happen with the supply?
When is the next wave of notes going to show up? With everything happening with COVID and the job losses, at some point, that is going to create a way of a note. I don’t think it’s going to be as big as the wave that we saw years ago but they are going to show up at some point. What I don’t know is how long that’s going to take to filter through the system. That could be relatively soon especially if some of the holders of existing notes decide they want to exit some different things or pare down their portfolios. Some of the fresh delinquencies that need to flow from banks to larger hedge funds to smaller funds down to individuals, that may take more time. We’ll see some more of the economic chips fall as a result of all of this.
I’ve been amazed at the resiliency of the economy of individual businesses and individuals throughout this. With all these shutdowns, I thought there would have been a lot more economic damage a lot faster. We’re still going to see a lot of that. It’ll be delayed into 2021. However, as I already talked about, the housing supplies are so low. I don’t know how much that changes because the population is what it is. There’s only so much housing out there. One of the good things for buyers of loans on $100,000 or $150,000 houses, especially what I call the contract for deed type properties, these $700,000 properties in the Midwest, Carolinas, Mississippi and some other places, the payments on those are about $300 to $400 a month.
People need a place to live and that’s about as cheap as it gets. If you can find a mobile home, that can be a little cheaper although there’s a shortage of those as well. A lot of times, the borrower is not going to say, “I’m having financial distress. I’m going to walk away from this and go to a cheaper option.” The next cheapest option is living under a bridge. That’s why in 2020, my borrowers hung in there a lot stronger than I would have expected. I not only had a lot of borrowers that I thought might fall off that didn’t, but I had other ones that, in some cases, did $5,000, $6,000, $7,000 reinstatements to keep their home in the midst of all this.
Some of that is the short supply of housing, the lack of alternatives, rental rates are relatively high, and rental supplies are relatively low. One of the other things we’ve had happen is with the court’s shutdown, we haven’t had as many Sheriff’s auctions. There hasn’t been as big of a supply of REOs. You don’t necessarily have as many people buying these REOs, fixing them up, and turning them into rentals and that’s part of the reasons too. When I did get ahold of REOs, they sold generally well. There’s going to be some interesting economic times but in that lower-end CFD-type loans, those should do okay. They won’t be without their challenges here and there, but I don’t see them falling off a cliff or anything.
Goal Planning
We’re talking about goal planning. For me, I’ve planned yearly goals every year since 1999. The process that I’ve used has evolved a lot over the years. It started rudimentary and then I evolved into getting detailed and complex. These days, I’ve reeled it back the other direction. There are a lot of different frameworks people have out there that they use. Jim Collins has his BHAG. He talks about setting one Big Hairy Audacious Goal. The SMART Framework by Jim Rohn is popular. SMART means Specific, Measurable, Attainable, Relevant, and Timely. There’s another one called OKR from John Doerr which is called Objectives and Key Results.
I’ve never used that one. That’s geared a little more for businesses tracking goals. It was on a quarterly basis. If you go online, there are 1,000 other ones. What I do these days is I built my own. I’ve got a Google Doc that I use. Every year I do it, I seem to switch up my tactics a little bit. Try to figure out what’s best for you. If you haven’t done this, I recommend you start. I would pick one of these other frameworks out there and roll with them. For the first year, it’s good to think through what you want to do for the year to make sure that you stay on track. Otherwise, it becomes too easy to drift.
A few months go by, you look back and you’re like, “What did I do? I didn’t do anything. I was busy but nothing happened.” Having those goals focuses you a lot and make sure you stay on the right track. A lot of times, goals change, and 2020 was a good example of that. Usually, throughout the year, I’m reviewing goals on a regular basis. The middle six months of the year went by and I was like, “I haven’t even looked back.” A lot of people felt like I was almost in reaction mode for a lot of 2020. Around September 2020, when I did go back and look at it, I’m like, “This is out of the window. That’s out of the window. That’s not happening.”
That was a tough one but it is good to review these regularly as the year goes along and make adjustments. Sometimes, I’ll set things that are important to me at the beginning of the year and things change and go, “I’m not interested in that but I’m interested in this other thing.” They’re not written in stone. The real value of them is wrapping your head around what the hell it is you’re trying to do with your life. It’s a very valuable exercise. As far as what I’m looking at in 2021 for my business, I want to get as many new deals as I can. Given some of the uncertainty of the market and the state that I talked about, I’m not putting things in terms of a certain number of notes, value of notes, or anything like that.
Try to do less by focusing more on the things that really matter. Click To TweetNormally, I like to be quantitative. Generally, it’s a good thing to be quantitative and your goal planning but on this one, I’m not for a few reasons. My plan on new deals in 2021 is to do what I did throughout 2020, which is to be opportunistic and take what the market gives me. When the market gives me a good opportunity, snatch it up, but if the good deals aren’t there and they don’t make sense, then it’s okay to back off a little bit. When I was in business school at CU Boulder, I used to do a lot of work with the local venture capitalists. I remember Brad Feld talking about investing VC money in dot-com startups in the late ‘90s.
Some of the people in the class were asking, “What was going on in that area with this bubble? How did this happen?” A lot of the ways that happened was the way that a venture fund works is they have their limited partners which are their funding partners. These are often pension fund pensions or high worth individuals and things like that. The analogy in notes would be the joint venture funders. The VC firm would be analogous to the note operator. The thing was, they had tons of funding partners wanting to plow large amounts of money into dot-com companies and that’s their job. They got this money and they felt obligated to deploy it because if they sit back and go, “These deals don’t make any sense.”
They’re not deploying any money and they’re not making any money. It got driven by the funding partners that you had these operators that felt obligated to deploy funds come hell or high water. What I don’t want to do is get into a situation where I’m trying to do X number of deals and then the market doesn’t present good opportunities to do the number of deals then you start doing things that are thin, sketchy, or whatever and that’s how you get yourself in trouble. What I’m focused on is being consistent in my processes, getting access to more tapes, and scrubbing all the tapes that I get there. There were several times where people sent me tapes and I would be in the midst of completing another deal or something else and I never even had a chance to go through them all the way.
Some of that is being a little more disciplined and making sure I go through them, beefing up some of my processes, even more, to get through them faster so that I’m taking advantage of what opportunities the market gives me. That’s fuzzy for a lot of people that may not work well because if people don’t have something quantitative, they drift. I don’t feel like I have that problem so much. My problem is I try to do too much all the time. I didn’t list it here but one of the other things I’ve been working on is trying to apply the 80/20 rules to more things I do less and focus more on things that are important.
That’s my deal-making approach. The other thing I mentioned in 2020 is my processes and systems got a lot better. I’m going to continue to refine those in 2021 because even though they’re better than most know, they can get a lot better and getting them better is what’s going to enable me to scale. My process here, again, a little more qualitative than quantitative but I want to make these processes a little better every week. What I’ve been trying to do when I do something is, “Do I have to do this. Can it be automated? Can I hand this off to Wendy? If I hand this off to Wendy, is there some process or some automation I can build so that it takes less of her time?”
If you do 1 or 2 of those little things every week then your business can be a lot more scalable, less stressful, easier to run, a little bit tighter, and a little bit faster. I call this using big muscles and fewer smaller muscles. I started doing Brazilian jiu-jitsu which is something I’ve been meaning to do for a long time. I couldn’t do it the whole year because of the pandemic but I do it every other week. The instructor was talking about how you want to use big muscles against someone else’s little muscles. It has some similarities to judo and some other things where it’s very technical. If your techniques are good, you can throw bigger people around whereas if you’re up against somebody who knows what they’re doing, you’re trying to use strength and horse things, you’re going to get crushed.
I think of using processes, automation, and systems as using big muscles as opposed to the small muscles of sitting there thinking, “What do I need to do now? I’m doing things manually.” I’m trying to get out of that. What I’m doing which I’ve been doing for a while now is prepping for that next wave of note. With COVID and everything, it is going to create the next wave of notes. They’re not here yet. I don’t know when they’re going to show up but the better I can get these systems, the better I’ll be able to take advantage of the opportunities when they do show up whether that’s in 2021 or 2022. I talked about YouTube content and subscribers. It’s around 800 to 900 subscribers. I want to take that up to 1,500. The total hours watched for 1,500, I want to take that up to 4,000.
When you get to that point then YouTube lets you do some other things like putting unique links inside the videos. I’ll be able to link some of my content together and do some other stuff. That will let you turn on monetization at that point if you get there. I don’t think I’m going to do that because even if you get to the threshold, it will let you turn that on unless you have some massive thing. I don’t think it produces money in anyways and I don’t want to annoy people with ads but the way I plan to get to that is to continue to release a lot more content.
I released some videos on Note Investing 101 Playlists. I’m going to have some more of those coming out. I’ve got a laundry list that I’m starting to put together of additional content for YouTube. That’s how I planned to grow that. The other thing I am working on, this is still taking shape and early, but I am going to build a new training course. I built the Due Diligence course because what I found from talking to a lot of note investors is a lot of them had done other training. In some cases, a lot of it was expensive training but they weren’t comfortable getting through the due diligence process. That has been the biggest speed bump that’s not people from buying notes.
I created a training course in 2019 to get people over that speed bump and that worked well but I’ve had a lot of conversations as people say, “I’m new to notes. I don’t know where to start. What do you recommend?” The problem I have with my courses is I don’t have something that says, “If I’m starting in notes, here’s how you go from learning the basics all the way up to buying.” I’m working on putting that together. I’ve had a lot of good conversations with some different folks who are in that boat of looking to get started in notes. The way I’m going to do this is I’m going to have a beta program. First, with some folks who are interested in being the Guinea pigs.
They’ll get that at a lower cost and they’ll give me some feedbacks that create this beta version. I’ll run some folks through it, come back, and make a lot of edits before doing the new ones. I don’t know how long this is going to take. The beta program could be anywhere from a couple of weeks to a couple of months. I’m going to try to go as fast as I reasonably can but the focus here is going to be a little bit more of a focus on simplification and getting from point A to point B in a certain number of days taking a discreet number of steps. I’ve taken some other training courses that followed that path that I liked a lot. With the Due Diligence course, the idea there was to provide all the detail which I did but some people get overwhelmed with that.
Especially a lot of these folks who are doing other forms of real estate investment for many years, hustlers, and can figure things out, they don’t necessarily want to spend hours going through videos. They seem to want the step-by-step blueprint, how do I get from here? How do I get there? That’s what I’m working on. If you have any ideas for that or any interest in being part of the beta program, reach out to me in email or give me a phone call and I can clue you in on some of that but that’ll be a big effort this 2021.
The final question is, what are your goals for 2021? Hopefully, this has helped give you some ideas for things to sit down and plan out as far as your note business. I’m interested in knowing what you’re thinking about and what you’re planning to do. Go ahead and drop me an email with some of your thoughts on that. I’d like to get them. I’m also happy to help be an accountability partner and follow up with you at different points during the year to see if things are on track. That’s goal-setting for 2021. This will be the last show of 2020. Hope you guys have a great holiday season. I’ll come back in 2021 and ready to hit things hard. Thanks.
Important Links:
- MergeFactory
- YouTube – Fusion Notes
- www.SystematicDueDiligence.com
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