Archive - M3_Melody Substack

Consensus (not Confucius) Says

Every time I see quotes from news releases and articles saying things such as results came in “above consensus” or “below consensus” I imagine a room of…

Oct 23 •

A Forgotten American History

Oct 15 •

When one of my hurricane-weary XTwitter pals started sending me reports about Helene’s path I thought to myself we need the rain. We had been in drought…

Oct 3 •

September 2024

Says the Entire Real Estate Community

Sep 22 •

When I left the mortgage industry proper and joined the supposed Fintech revolution -which was largely being fueled by cheap labor in India and Pakistan…

Sep 9 •

Storm Clouds A'Brewin

In September 2006 I joined Residential Funding Corporation (RFC) in Minneapolis, MN as a project analyst in the corporate financial planning and…

Sep 1 •

August 2024

Just Don't Dance

Another day, another revision at the Bureau of Labor Statistics, erasing 818,000 jobs from initial projections received in March.

Aug 22 •

Were you surprised by the moves in the market on Monday?

Aug 7 •

July 2024

Arctic Cold in July

Housing moves at glacial speed until it doesn’t.

Jul 25 •

Home Grown Tomatoes

And Seismic Shifts

Jul 23 •

Pardon this interruption to regularly scheduled programming.

Jul 14 •

June 2024

Number Gooooooooo (drumroll please) - Down?

Since my last post, summer has officially begun and our seasonal Spring cycle has peaked in the U.S., culminating in Summer Solstice revelers who danced…

Jun 27 •

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