Loan Officer with an avid interest in worldly events and market factors affecting rates and our economy. Music Lover & song writer.
Nashville
Joined March 2009
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I've spent my whole life loving music. Never made it. Just a guy from Florida with a heart full of stories.
Then life handed us the hardest years of our lives — loss, tears, hospital hallways, prayers, and eventually… miracles.
So I wrote it all down. Every song is real. Every lyric happened.
Three months ago I packed up my family and moved to Nashville to finally bring these songs to life.
This is our story. 11 songs. All of it true. 🧵
❤️ Love & marriage 👶 Loss, IVF & our rainbow baby 🏠 Family, roots & home 💪 Grinding for the people who count on you 🌅 Leaving Florida & chasing a dream
If any of this sounds like your life too — it was written for you.
#CountryRock #NewCountry #Nashville #NashvilleArtist #IndependentArtist #UnsignedArtist #NewMusic
Conference Board Consumer Confidence, October: 91.7, up 7.5 points. Present situation 120.4, up 8.6. Expectations 72.6, up 6.9. The Conference Board’s own explanation: the recovery was in line with retail gasoline prices easing from September to October. The pump moved the mood.
On a six month average, only two groups show rising confidence: under 35s, and households earning $100,000 or more. Gen X, Boomers and the Silent Generation keep trailing Gen Z and Millennials, a divide the Conference Board calls sharp. Up across parties, most for Republicans.
Richmond Fed, Fifth District Manufacturing, October: composite -2, unchanged. New orders -8 from -6. Shipments 0 from -5. Employment 3 from 7. The 2026 average is about zero after -9 in 2025. Mid Atlantic and Carolina factories stopped shrinking and have not started growing.
Wages 20, future wages 49, against series averages of 15 and 37. Skills availability -7. Fifth District manufacturers are paying up for labor they still cannot find, in a month when orders fell and backlogs drained. Wage growth is not responding to weak demand.
Dallas Fed Texas services, October: revenue index 4.4, back above zero after -0.9 in September. Dallas Fed’s words: growth resumes. The series average is 9.9. Employment 2.8, hours 2.2, barely positive. Texas services are growing at under half normal pace. Growth, technically.
A Texas commercial lender: the deal that will underwrite at 7 percent is not close to what expectations were when the mortgage rate was 6 percent. And: an increase in maturity defaults on loans originated 5 to 7 years ago with little to no amortization, in banking and CMBS.