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When this commentary gig gets old, I think I’ll take up… throwing needles? But so far so good, putting this out six days a week. Yesterday I glanced at the calendar, and we’re 10 percent of the way through 2024 already! Still raining here in Northern California, and the flooding has caused a lot of concern in the mortgage industry, especially among companies servicing loans on any houses that are damaged, as well as owners of MBS with loans in them on any potentially damaged homes. At least the days are seeing more sunlight in the Northern Hemisphere. Daylight Savings kicks in on Sunday, March 10, just a little over a month away, and goes on until November. (Hawai’i, American Samoa, Guam, Puerto Rico, the U.S. Virgin Islands, and most of Arizona blow off this clock changing stuff.) Today’s Commentary podcast can be found here and this week’s is sponsored by Vesta, the new, modern Loan Origination System (LOS) which helps lenders reduce their co
Although he is correct less than half the time, groundhog Punxsutawney Phil didn’t see his shadow this morning, meaning an early spring is likely. At the other end of the “cute spectrum,” Elon Musk is increasing his control of the roads with Tesla, in internet communications with his Starlink satellites, access to outer space via SpaceX, and now… people’s brains through neural implants. It appears that we’re living in a science fiction novel… and we know how those typically end. Yes, his compensation made headlines this week, but he’s obviously in it for “the long game.” Mr. Musk can work from anywhere, but what about you? Are you back in the office after the pandemic from years ago? Plenty of LOs, AEs, and commentary writers have always worked remotely, but others, not so much. Here’s something to add some fuel to the debate: more proof from the University of Pittsburgh that RTO (return to office) mandates ar