Caleb Raynor

@m3_melody Go to 55:16

@CalebRaynor That’s a title. Listen to what I actually said.

In this chat w/ Adam I talk about the default crisis starting in earnest by June 2025 Who will be the first among our MSAs to see pain? October Delinquency Nat'l Avg: 3.91% October % of Borrowers with credit scores below 660: 12.28% (up from 12.18% last month) Let's take a 👀

@m3_melody wealthion.com/housing-market…

@CalebRaynor You must have me confused with someone else entirely. No I did not. Feel free to paste links where you saw that. I explicitly said the opposite. youtu.be/CYockM1NTRM?si…

@m3_melody Well, could have sworn I’ve seen your content for a long time predicting this impending crash. I know you called for a surge in foreclosures in Q3/Q4 back in 2023. That hasn’t happened.

@CalebRaynor Actually I did not. I did not even join Twitter until 2021. And I always said this would take a very long time to play out. Last year I shared my forecast for the first time which had prices dropping the most in 2025.

@sidlowe How soon do you think there may be rumblings on Xavi getting binned? With Madrid, I don’t see the dynamic changing for many more years.

Lots of focus will be (already is, in fact) on Barcelona being so high and so open. Feel like a key element of this discussion is not being mentioned: Gavi. You try to press it’s risky anyway; you try without him* and, well, this happens (*or any discernible structure)

@DMD711 @NewsLambert I think it’s the inverse actually. Rates are not going to be low enough to unlock the large cohort of owners who have sub 4% rates. Inventory will remain low while buyers will be off the sidelines knowing inventory is not going to improve and prices will remain stable or increase

@CalebRaynor @NewsLambert For sure. More homes hitting the market than anyone can imagine. Just no buyers :/

bond market rally = falling yields/mortgage rates

@batistutai7 @sidlowe We need a back up and someone to rotate with Benz. We could play CR Vin and Benz other option Vin CR Rodrygo.

@CalebRaynor @sidlowe Why would you do that to disturb Benzema?

So now what? Or more to the point: who?

@sidlowe Do you reckon that Haaland would just use that as leverage to get a higher contract? I find it hard to believe that he won’t get pressured to stay.

Seems very, very little to me.

@MkBlyth Can’t blame the clubs for trying to position them to be competitive long term with the superleague. Uefa has allowed clubs like PSG and City to distort the market and dismiss the FFP rules as a farce.

I have to say, transcription errors of accent notwithstanding, it's worth a read. It is of course, since I did not expect this to happen, a wee bit sweaty...Enjoy: nograssintheclouds.substack.com/p/how-the-spec…

So I got a call from a sports journalist yesterday for comments on the proposed super league. We had a good chat for half an hour. I expected to feature as a quote or two in an article. Not so. He simply transcribed the whole exchange and put it on his substack...

@UnCommonsLV When is the official ground breaking?

We could do things how they've always been done, but where's the fun in that? Let's bring unmatched energy and human connection to the workplaces of Las Vegas instead.

@oneida_fc @SJanson10 @baystatesoccer Well done fellas!

We're goin' up!!! A 4-0 result on the day (goals from @SJanson10, Mike, Andy & Harry) stretches our division lead beyond the reach of promotion rivals, so we are proudly @baystatesoccer D3S champs. Looking forward to being back in D2 in 2020. Well done, boys!