Lock Watch for the Week of 11/19/2018

Mortgage and Lending with Guaranteed Rate, Marin County, CA NMLS: 22343

Lock Watch for the Week of 11/19/2018



Wednesday is a real market day but otherwise the week is light, even if the meals will be heavy...


Economicalendar (all times are Pacific):

Mon, 11/19:      Housing Market Index (7am).

Tues, 11/20:      Housing Starts (5:30am).

Weds, 11/21:     Jobless Claims and Durable Goods (5:30am), Consumer Sentiment and Existing Home Sales (7am).

Thurs, 11/22:    Thanksgiving.

Fri, 11/23:        PMI Composite Flash (6:45am), Fed Balance Sheet (1:45pm).


10-Year Treasury History

3.07%     Today's Open 

3.19%     One Week Ago

3.19%     One Month Ago

2.37%     One Year Ago


Yesterday When I Was Young

Even though there should have been no rightful way for me to avoid it, I cannot say I recall watching a single episode of Hee Haw in the '70's.  Yet somehow, I do identify Roy Clark as an image from my childhood.  Now as an adult, and one who had a run-in with teenage musicianship, I find it startling to learn that Roy didn't begin playing guitar until he was a adolescent himself.  Almost always when you behold a talent such as Mr. Clark's, its seeds can be found in early childhood and a prodigious gift that was evident very early on.  Then again, maybe his itinerant youth and the tutelage of his musician father glossed over what became obvious to all by the time he was on the road and performing in his 20's.  They will all say, "That boy could play."

As a hack guitarist in 2018, all I need to do is navigate to Youtube and find any of the old clips of Roy, big beauty of a semi-hollow Gretsch or Gibson in hand, plugged straight into an amp, no effects, clean tone and nowhere to hide, pickin' and grinnin' like nobody's business.  It hearkens back to a time when you needed real, crushing, overwhelming talent to earn a spot on one of TV's three or four channels.  And I'm not even one of those who wants to travel back in time because of some notion that things were better and simpler then.  I just admire it for what it was and what it will always, timelessly be.

Roy passed away at 85 last week without too much fanfare.  He leaves behind a legacy of laughs and lightning licks, as well as Roy Clark Elementary School in Tulsa, OK.  


Happy trails,



Robert J. Spinosa
Vice President of Mortgage Lending

Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959 Fax: 415-366-1590

Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960

Berkeley Office:  1400 Shattuck Ave., Suite 1, Berkeley, CA  94709

*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to any position on any matter or issue without the express prior written consent of Guaranteed Rate's Human Resources Department.


Guaranteed Rate. Illinois Residential Mortgage Licensee NMLS License #2611 3940 N. Ravenswood Chicago, IL 60613 - (866) 934-7283


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Rob Spinosa

SVP of Mortgage Lending, Marin County
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