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Economic Research, news and updates in a Memo, plus the research to back it.

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Latest Issues

Friday EFFing Memo

The Memo

To:

Everyone

Re:

  • Savings (401k components

  • Jobs (initial claims and construction employment)

  • Shelter. A variety of it.

  • Today in EFFing Time

Comments:

Sometimes there isn’t much to say. Other...

a month ago
2

Homebuilding Situation

Date: April 5th 2026

Time: 6:45pm

The Homebuilding Situation (Composite index measuring sales, inventory, price and mortgage rate direction change) Nationally from January (March Release) 2026 stands at 6.86 This is 93.14 points below the...

2 months ago
11

EFFing Memo

The Memo:

To:

All Staff

Re:

  • What(s) the EFF

  • Today in EFFing Time

  • Unemployment

  • NASDAQ

  • Technical Difficulties

  • West Texas Crude Oil

Comments:

I’ve wrote at length about how we’ve experienced...

2 months ago
5

The 4th Rate Turning Is Here

The Memo:

To:

Everyone

Re:

  • The Seasons, and patterns of NASDAQ (+ Dow Jones and Nikkei 225)

  • Turning Japanese

  • Contract(ion) in Contract(ing). I.E. The decline in Residential Construction

  • Gold

  • Breakfast...

3 months ago
6
1

Tuesday Night Memo

The Memo:

To:

My Fellow Americans

Re:

Housing Debt: The days are long but the years are short.

Comments:

We are all more blind to what we have than to what we have not

-Audre Lorde

End Memo.
I don’t even...
6 months ago
7

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  • Ulysses Awsumb

    20+ Years in Real Estate and Construction. Creator of : US Homebuilding Situation composite Index, EFF Cycle Indices, 1st unified playback system in Film Festival history. Learning is good. Learning and doing is better.

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