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

Gary Lewis Evans is available for Speaking Engagements or Projects - SEE

Interested in Buying DFIN.com and the Trademark
For a Unique Branding Package?

See Grit Brokerage

The Digital Financier Since 1996

DFIN Finance

Click any DFIN Logo and Return to DFIN Home Page 

Search For a Word or Topic

index sitemap advanced
search engine by freefind

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Economics & Asset Values

We address all forms of asset values from multiple perspectives. This includes physical assets, stocks, bonds and all forms of digital assets. 

I have extensive successful experience in managing a bank as a CFO in the mid 70s and as a CEO since the mid 80s.  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. During this period the FRB was silent and never gave guidance. Banks like mine needed to track the numbers just like the FRB and form our own conclusions. Rate changes could happen at any time.

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.

Digital Real Estate, 50 Internet Domain Names For Sale
A Few Date Back to 1996

Examples are PetSales.com , UsedCarSales.com and StraightVeg.com

Why Are Home Prices Weak?   Excess Office Space Problem


Start The Day

Start The Day

US Treasury
Yield Cure is a
Great Way to Start
Your Day


News From Around
The World
Wolf Street

The Stories Behind Business, Finance, and Money - Often Unique Stories
DFIN on LinkedIn
Important News and articles
On DFIN LinkedIn
News For Online Car and Truck Sales

Manufacturers are Moving to an Agency Model

News For Global Warming

Lets Get Ready Because We Can't Stop It
News For New Car and Truck Power Sources

EV and More

News For Domain Names,
Other Non-Fungible Assets

Domain Name Dictionary

Frequently-used vocabulary within the domain name industry

A growing database of knowledge
FDIC Bank Data & Statistics

Searchable databases to find information on specific banks, their branches, and the industry.
Domain-First Branding

How To Build A Winning Corporate Branding Strategy Kate Buckley Forbes Councils Member

Interactive U.S. and World Economic Data Calculators,
Including Inflation Rates, Includes a Time Value of Money Calculator

"Official Data is a website based in San Mateo, California that seeks to collect and process government data for the benefit of the public. Our vision is for technology to enable citizens to understand their government and make important life decisions based on facts."

Inflation Calculator

This easy to use inflation calculator uses official records published by
the U.S. Department of
Labor. Inflation has
averaged 0.94% per
year since 1635.

U.S. Inflation By Year

ncludes a nice Inflation Graphic,
1914 to present
Current U.S.
Inflation Rate

One table shows the inflation rate on a monthly basis for current year

Stock Market Returns Calculator

If you invested $100 in the
S&P 500 at the beginning of
 1957, you would have
about $65,980.22 at
the end of 2023,
assuming you
reinvested all dividends.


 Amazon Keyword Tool

The Amazon Keyword Tool is a free Amazon keyword research tool that dramatically improves the process of finding popular Amazon keywords for your Amazon listing - Saving you time on Amazon SEO.
Google Trends Time Capsule From 1999

Google Trends provides a unique look at what the world is searching for. The Google Trends Time Capsule outlines the top five “most searched” in a category each year from 1999
Google Trends
Explore what the United States and the world is searching for right now


Featured Content November 2022 - Asset Weakness

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, Fintech (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 both, a failing construction project and a technology company.

Gary Lewis Evans, Principal of DFIN is always looking for a challenge and 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.

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

The Metaverse

Virtual Real Estate Information and Education

News On LinkedIn

Global Warming

U.S Debt Problem

The Elephant
in the room - $30T+Deb

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
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

Information and Education

Join with Dfin in the


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

Great Data and
Timely Graphics

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

Who Owns a Domain?
More Info Then The

Typical Whois


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


Sometime a Picture is
Worth 1,000 Words
 the US

A Little Freedom Will Go a Long Way
Cyber Security

Cyber Catch


Domains -

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

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

Domain Farm, NFTs,
Blockchain and

Crypto Currency
Indian Country - Needs Help
This is a Great Opportunity
   Financial Snapshot
of Native
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
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
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
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 web
The Path
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, 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 techniques, retail payments and retail banking models.

My presentation will be designed for the audience.

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.

DFIN Goal is To Only List Pure News Sources as Opposed to Opinion
Website Planet
WSJ Medical
England / Wales
The Guardian
Since Mid 1800s
Like a
AFP France
 French BBC
Hong Kong
South China Post
Since 1903
seeking alpha

USA Facts Web MD bankrate Linkedin  Wikipedia
Real Time
Big Data Growth
neo bank
List of

Neo Banks
US Census Data
Open The Books
Join the Transparency Revolution!
Car Dealer 
Easy to Become a
Digital Car Dealer
The First Solar Powered Car

Deloitte Launches
Unlimited Reality:
 An  Experience
and Impact
Offering for
 Virtual Worlds

Users of
 Web Sites

CFE Fund
Cities Deliver Financial Empowerment
Indian Country Today
 Indian Country Links
Salvation Army
The Salvation Army exists
 to meet human needs

Heterodox Academy
mom informed
Mom Informed

Check web page PayPal calendly Duck Duck Go Sococo
Lending Club Credit Cards Ad Sense ZORO AIMLOAN
AXOS Bank Bank Rate   ToolTester 
We’re here to
help you choose
 the best web tools
 for your project,
and make it
a success.
Slide Share
San Diego
Tech Hub

File a Trademark
 or Patent
Covid19 Links  
Dr Mark Riedy Vimeo
Cyber Catch

Back to DFIN Search

Contact: Gary Lewis Evans, GLE@DFIN.com


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

Copyright 1996 - 2023