[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @davidmullings David $IRIE Mullings David $IRIE Mullings posts on X about jamaica, money, investment, debt the most. They currently have XXXXX followers and 1208 posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::14921404/interactions)  - X Week XXXXX +253% - X Month XXXXXX +53% - X Months XXXXXX -XX% - X Year XXXXXXX -XX% ### Mentions: XX [#](/creator/twitter::14921404/posts_active)  - X Week XX +28% - X Month XXX +65% - X Months XXX +9.90% - X Year XXX +67% ### Followers: XXXXX [#](/creator/twitter::14921404/followers)  - X Week XXXXX +0.15% - X Month XXXXX +0.18% - X Months XXXXX +1.10% - X Year XXXXX +1.40% ### CreatorRank: XXXXXXX [#](/creator/twitter::14921404/influencer_rank)  ### Social Influence [#](/creator/twitter::14921404/influence) --- **Social category influence** [finance](/list/finance) [countries](/list/countries) [technology brands](/list/technology-brands) **Social topic influence** [jamaica](/topic/jamaica) #163, [money](/topic/money), [investment](/topic/investment) #1983, [debt](/topic/debt) #665, [mortgage rate](/topic/mortgage-rate) #5, [attention to](/topic/attention-to) #127, [insurance](/topic/insurance) #298, [digits](/topic/digits), [college football](/topic/college-football) #1515, [private equity](/topic/private-equity) ### Top Social Posts [#](/creator/twitter::14921404/posts) --- Top posts by engagements in the last XX hours "I worked in private equity and we never borrowed on margin to buy a company. We do borrow BUT that deb went onto the books of the company that was bought so the PE firm had zero downside risk except for the equity we put in and that came from the LPs with only X% of GP money at risk. Yes borrowing to buy a profitable existing business domiciled in a strong long-term growth industry is a good use of capital if financed properly. Lots of people think they know the PE play but Ive seen MANY deals go bust later on because the financing had personal guarantees or didnt out the debt on the" [X Link](https://x.com/davidmullings/status/1977535071121731887) [@davidmullings](/creator/x/davidmullings) 2025-10-13T00:41Z 9289 followers, XXX engagements "That moment when you ask ChatGPT to give you X options for a title and subtitle of an upcoming lecture and the first X results are 🔥🔥🔥" [X Link](https://x.com/davidmullings/status/1978450904203346077) [@davidmullings](/creator/x/davidmullings) 2025-10-15T13:20Z 9288 followers, XXX engagements "@JSE_Advoket That is so true" [X Link](https://x.com/davidmullings/status/1978476827589890110) [@davidmullings](/creator/x/davidmullings) 2025-10-15T15:03Z 9289 followers, XX engagements "There was a time when I wouldnt believe you if you ever told me that the Government of Jamaica would be able to borrow in single digit rates. Kudos to both Dr. Peter Phillips and Dr. Nigel Clarke as well as the Economic Programme Oversight Committee. Basket case to case study" [X Link](https://x.com/davidmullings/status/1976008454339998052) [@davidmullings](/creator/x/davidmullings) 2025-10-08T19:35Z 9291 followers, 3715 engagements "Anyone can escape the debt treadmill but it requires financial literacy. School purposely does NOT teach financial literacy because it needs to create more cogs for the wheel. The current system is not fit for purpose. Most people however CHOOSE not to educate themselves and so stay on the treadmill. I still meet people who think that renting is throwing away money and buying is always better. They haven't learnt that you have to run the numbers to figure out which is better. I can only blame an individual in the 21st Century for not improving their knowledge with all of what is available" [X Link](https://x.com/davidmullings/status/1979586926106861978) [@davidmullings](/creator/x/davidmullings) 2025-10-18T16:34Z 9291 followers, XX engagements "@MaestroPetrie @yaneekpage So you think that regulation instead of competition is the answer Never seen that work out for the best anywhere. Innovation is always the solution" [X Link](https://x.com/davidmullings/status/1979606670339920357) [@davidmullings](/creator/x/davidmullings) 2025-10-18T17:53Z 9291 followers, XX engagements "I actually disagree. I used to design mortgages for a living (and savings products and investment products). Mortgage comes from the Old French words Mort and Gage which means Dead Pledge "Dead pledge": Refers to the agreement's finality. When the loan is fully repaid the "pledge" is dead. If the loan defaults the "pledge" is also dead because the debtor loses the property to the lender. Debt has always been a form of enslavement and power over the Borrower. A smart Borrower can benefit but the average person will have to work until they are mort" [X Link](https://x.com/davidmullings/status/1979534472727974248) [@davidmullings](/creator/x/davidmullings) 2025-10-18T13:06Z 9291 followers, XXX engagements "📌One would think that variable rate mortgages would go down when interest rates go down. The last mortgage that I designed at JNBS was XXXX% and this was 2008. Mortgage rates in Jamaica dropped to single digits since then. I haven't paid much attention to them since except to look at NHT. 📌No idea what insurance is like. In the USA you typically only get PMI if your deposit is below XX% 📌The Jamaican Diaspora has stepped up investing back home both for gain and also because RE prices in the USA have gotten out of hand compared to wages. Many intend to return home so are also buying and/or" [X Link](https://x.com/davidmullings/status/1979594788933361792) [@davidmullings](/creator/x/davidmullings) 2025-10-18T17:05Z 9291 followers, 3395 engagements "Here is some food for thought and open to discussion/feedback: X. It is very hard for #Jamaica to have FIXED mortgage rates due to devaluation in past and the changing cost of capital but there is a solution Most people don't understand how banking actually works so as someone who used to design mortgages investment products and savings products at Jamaica National Building Society (JNBS) I will share a simple example of an actual product that I helped to design. JN High Yield Savings Account As part of the product development team for this savings product we wanted to offer a version in USD" [X Link](https://x.com/davidmullings/status/1979596970709897252) [@davidmullings](/creator/x/davidmullings) 2025-10-18T17:14Z 9291 followers, 1268 engagements "2. I have not taken time to research the insurance requirements in Jamaica for a mortgage. I like the US idea of PMI if the deposit is less than 20%. That should also be removed once the LTV ratio is below XX% Homeowners can use that money to invest in something" [X Link](https://x.com/davidmullings/status/1979601996442116343) [@davidmullings](/creator/x/davidmullings) 2025-10-18T17:34Z 9291 followers, XXX engagements "3. The Jamaican Diaspora will always buy property in Jamaica. Jamaica is not going to ban such purchases nor ban foreigners from purchasing real estate in Jamaica. Foreign buyers with stronger currencies and higher incomes is not a problem as long as they are not overshadowing and crowding out local buyers. Jamaica seems to have that problem which means that like the USA there is a SUPPLY problem when it comes to AFFORDABLE housing. Jamaica has the NHT and HAJ unlike the USA. Much more akin to Singapore. Not enough private developers or public institutions have focused on delivering housing" [X Link](https://x.com/davidmullings/status/1979602937971196341) [@davidmullings](/creator/x/davidmullings) 2025-10-18T17:38Z 9291 followers, 1436 engagements "5. Real Inflation - Where do I even start on this one It's been brutal and if you haven't been able to increase your income then you have been left behind to struggle and either rack up debt or downgrade your lifestyle. Those who have increased their financial literacy have invested and kept up or beaten inflation while also increased their incomes. Those who have not (or can't) have been left behind and feel like they are being crushed slowly. I feel for those people and multiple solutions exist: i. Free financial literacy classes ii. Conditional debt forgiveness (needs to fleshing out) iii." [X Link](https://x.com/davidmullings/status/1979604000598057301) [@davidmullings](/creator/x/davidmullings) 2025-10-18T17:42Z 9291 followers, XXX engagements "The World Bank put out a study more than a decade ago that said that if Jamaica were to reduce it's crime rate to just that of Costa Rica it would result in GDP growth of something like XXX% Security is a major cost and part of doing business in Jamaica which could be put towards more productive things like R&D upskilling new market entry etc. On the personal side that capital could be invested in appreciating assets" [X Link](https://x.com/davidmullings/status/1979615742145314849) [@davidmullings](/creator/x/davidmullings) 2025-10-18T18:29Z 9291 followers, XX engagements "When the Universe decides that its your time its your time My Lyft driver is Jamaican and after I mentioned that I used to work for JN he pulled this out He grabbed my number and name is ready to invest" [X Link](https://x.com/davidmullings/status/1978859290879205568) [@davidmullings](/creator/x/davidmullings) 2025-10-16T16:23Z 9291 followers, XXX engagements "My life goal since age XX was to positively impact a country of XXX million people and anyone beyond that who I could reach. Money helps that but money alone has never been a goal. Merely a tool and means to an end. Two quotes guide my life: The greatness of a man is not in how much wealth he accumulates but in his integrity and his ability yo affect those around him positively - Bob Marley With great power comes great responsibility - Uncle Ben" [X Link](https://x.com/davidmullings/status/1979521911672479817) [@davidmullings](/creator/x/davidmullings) 2025-10-18T12:16Z 9291 followers, XXX engagements "We dont win tonight but it was so much to host my friend @DiGenius1 at his first college football game and it was in the @MiamiHerbert suite 🙌🏽" [X Link](https://x.com/davidmullings/status/1979383375342289146) [@davidmullings](/creator/x/davidmullings) 2025-10-18T03:05Z 9291 followers, XXX engagements "We didnt win tonight but it was so much to host my friend @DiGenius1 at his first college football game and it was in the @MiamiHerbert suite 🙌🏽" [X Link](https://x.com/davidmullings/status/1979390475334234256) [@davidmullings](/creator/x/davidmullings) 2025-10-18T03:33Z 9291 followers, XXX engagements ""Generally valuations go up" Except the many times they have gone down in history. Using leverage works well if you borrow to buy an appreciating asset until it no longer works well and crushes you. Balance that risk extremely carefully. That shouldn't be applied to your principal residence only investment property" [X Link](https://x.com/davidmullings/status/1979586225565528545) [@davidmullings](/creator/x/davidmullings) 2025-10-18T16:31Z 9291 followers, XX engagements "So what you are saying is that there is massive market share to be gained by the financial institution that goes into a rate war in Jamaica and reduces the fees for mortgages while doing it profitably. Basically do what Digicel did when it entered the telecom market. That would require: ✅ scale (large balance sheet) ✅ trusted brand ✅ strong branch network ✅ cheap source of capital ✅ massive use of digital solutions ✅ willingness of the board and management Maybe I can get a large enough stake in one of them and make a push 🤐" [X Link](https://x.com/davidmullings/status/1979601032415211734) [@davidmullings](/creator/x/davidmullings) 2025-10-18T17:30Z 9291 followers, XX engagements "1. A person would need control of a DTI a deposit-taking institution not necessarily a "bank" (credit union building society) OR could have a licensed Microfinance company that then focused on mortgages (100 licenses being granted but more than XX gone already) X. I don't believe in only competing on Price because it is indeed a race to the bottom. I do believe in competing on Customer Service and offering better value for money does that which reduces customer turnover reduces costs and investing in technology would also reduce cost improve productivity AND improve margins which allow a" [X Link](https://x.com/davidmullings/status/1979610444403707933) [@davidmullings](/creator/x/davidmullings) 2025-10-18T18:08Z 9291 followers, XX engagements "@shawnwenzel @RayDalio They know the history of Grenada Cuba and Jamaica" [X Link](https://x.com/davidmullings/status/1979675452131418120) [@davidmullings](/creator/x/davidmullings) 2025-10-18T22:26Z 9291 followers, XX engagements "@fimily Calculate that it costs a minimum of US$25000 per 1BR that is to be built and you can quickly see how the numbers add up. We are building XXX in Old Harbour and have been approached about additional opportunities in St. Thomas St. Catherine Westmoreland and St. James" [X Link](https://x.com/davidmullings/status/1979698832108863720) [@davidmullings](/creator/x/davidmullings) 2025-10-18T23:59Z 9291 followers, XX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@davidmullings David $IRIE Mullings
David $IRIE Mullings posts on X about jamaica, money, investment, debt the most. They currently have XXXXX followers and 1208 posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXX +253%
- X Month XXXXXX +53%
- X Months XXXXXX -XX%
- X Year XXXXXXX -XX%
Mentions: XX #
- X Week XX +28%
- X Month XXX +65%
- X Months XXX +9.90%
- X Year XXX +67%
Followers: XXXXX #
- X Week XXXXX +0.15%
- X Month XXXXX +0.18%
- X Months XXXXX +1.10%
- X Year XXXXX +1.40%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence finance countries technology brands
Social topic influence jamaica #163, money, investment #1983, debt #665, mortgage rate #5, attention to #127, insurance #298, digits, college football #1515, private equity
Top Social Posts #
Top posts by engagements in the last XX hours
"I worked in private equity and we never borrowed on margin to buy a company. We do borrow BUT that deb went onto the books of the company that was bought so the PE firm had zero downside risk except for the equity we put in and that came from the LPs with only X% of GP money at risk. Yes borrowing to buy a profitable existing business domiciled in a strong long-term growth industry is a good use of capital if financed properly. Lots of people think they know the PE play but Ive seen MANY deals go bust later on because the financing had personal guarantees or didnt out the debt on the"
X Link @davidmullings 2025-10-13T00:41Z 9289 followers, XXX engagements
"That moment when you ask ChatGPT to give you X options for a title and subtitle of an upcoming lecture and the first X results are 🔥🔥🔥"
X Link @davidmullings 2025-10-15T13:20Z 9288 followers, XXX engagements
"@JSE_Advoket That is so true"
X Link @davidmullings 2025-10-15T15:03Z 9289 followers, XX engagements
"There was a time when I wouldnt believe you if you ever told me that the Government of Jamaica would be able to borrow in single digit rates. Kudos to both Dr. Peter Phillips and Dr. Nigel Clarke as well as the Economic Programme Oversight Committee. Basket case to case study"
X Link @davidmullings 2025-10-08T19:35Z 9291 followers, 3715 engagements
"Anyone can escape the debt treadmill but it requires financial literacy. School purposely does NOT teach financial literacy because it needs to create more cogs for the wheel. The current system is not fit for purpose. Most people however CHOOSE not to educate themselves and so stay on the treadmill. I still meet people who think that renting is throwing away money and buying is always better. They haven't learnt that you have to run the numbers to figure out which is better. I can only blame an individual in the 21st Century for not improving their knowledge with all of what is available"
X Link @davidmullings 2025-10-18T16:34Z 9291 followers, XX engagements
"@MaestroPetrie @yaneekpage So you think that regulation instead of competition is the answer Never seen that work out for the best anywhere. Innovation is always the solution"
X Link @davidmullings 2025-10-18T17:53Z 9291 followers, XX engagements
"I actually disagree. I used to design mortgages for a living (and savings products and investment products). Mortgage comes from the Old French words Mort and Gage which means Dead Pledge "Dead pledge": Refers to the agreement's finality. When the loan is fully repaid the "pledge" is dead. If the loan defaults the "pledge" is also dead because the debtor loses the property to the lender. Debt has always been a form of enslavement and power over the Borrower. A smart Borrower can benefit but the average person will have to work until they are mort"
X Link @davidmullings 2025-10-18T13:06Z 9291 followers, XXX engagements
"📌One would think that variable rate mortgages would go down when interest rates go down. The last mortgage that I designed at JNBS was XXXX% and this was 2008. Mortgage rates in Jamaica dropped to single digits since then. I haven't paid much attention to them since except to look at NHT. 📌No idea what insurance is like. In the USA you typically only get PMI if your deposit is below XX% 📌The Jamaican Diaspora has stepped up investing back home both for gain and also because RE prices in the USA have gotten out of hand compared to wages. Many intend to return home so are also buying and/or"
X Link @davidmullings 2025-10-18T17:05Z 9291 followers, 3395 engagements
"Here is some food for thought and open to discussion/feedback: X. It is very hard for #Jamaica to have FIXED mortgage rates due to devaluation in past and the changing cost of capital but there is a solution Most people don't understand how banking actually works so as someone who used to design mortgages investment products and savings products at Jamaica National Building Society (JNBS) I will share a simple example of an actual product that I helped to design. JN High Yield Savings Account As part of the product development team for this savings product we wanted to offer a version in USD"
X Link @davidmullings 2025-10-18T17:14Z 9291 followers, 1268 engagements
"2. I have not taken time to research the insurance requirements in Jamaica for a mortgage. I like the US idea of PMI if the deposit is less than 20%. That should also be removed once the LTV ratio is below XX% Homeowners can use that money to invest in something"
X Link @davidmullings 2025-10-18T17:34Z 9291 followers, XXX engagements
"3. The Jamaican Diaspora will always buy property in Jamaica. Jamaica is not going to ban such purchases nor ban foreigners from purchasing real estate in Jamaica. Foreign buyers with stronger currencies and higher incomes is not a problem as long as they are not overshadowing and crowding out local buyers. Jamaica seems to have that problem which means that like the USA there is a SUPPLY problem when it comes to AFFORDABLE housing. Jamaica has the NHT and HAJ unlike the USA. Much more akin to Singapore. Not enough private developers or public institutions have focused on delivering housing"
X Link @davidmullings 2025-10-18T17:38Z 9291 followers, 1436 engagements
"5. Real Inflation - Where do I even start on this one It's been brutal and if you haven't been able to increase your income then you have been left behind to struggle and either rack up debt or downgrade your lifestyle. Those who have increased their financial literacy have invested and kept up or beaten inflation while also increased their incomes. Those who have not (or can't) have been left behind and feel like they are being crushed slowly. I feel for those people and multiple solutions exist: i. Free financial literacy classes ii. Conditional debt forgiveness (needs to fleshing out) iii."
X Link @davidmullings 2025-10-18T17:42Z 9291 followers, XXX engagements
"The World Bank put out a study more than a decade ago that said that if Jamaica were to reduce it's crime rate to just that of Costa Rica it would result in GDP growth of something like XXX% Security is a major cost and part of doing business in Jamaica which could be put towards more productive things like R&D upskilling new market entry etc. On the personal side that capital could be invested in appreciating assets"
X Link @davidmullings 2025-10-18T18:29Z 9291 followers, XX engagements
"When the Universe decides that its your time its your time My Lyft driver is Jamaican and after I mentioned that I used to work for JN he pulled this out He grabbed my number and name is ready to invest"
X Link @davidmullings 2025-10-16T16:23Z 9291 followers, XXX engagements
"My life goal since age XX was to positively impact a country of XXX million people and anyone beyond that who I could reach. Money helps that but money alone has never been a goal. Merely a tool and means to an end. Two quotes guide my life: The greatness of a man is not in how much wealth he accumulates but in his integrity and his ability yo affect those around him positively - Bob Marley With great power comes great responsibility - Uncle Ben"
X Link @davidmullings 2025-10-18T12:16Z 9291 followers, XXX engagements
"We dont win tonight but it was so much to host my friend @DiGenius1 at his first college football game and it was in the @MiamiHerbert suite 🙌🏽"
X Link @davidmullings 2025-10-18T03:05Z 9291 followers, XXX engagements
"We didnt win tonight but it was so much to host my friend @DiGenius1 at his first college football game and it was in the @MiamiHerbert suite 🙌🏽"
X Link @davidmullings 2025-10-18T03:33Z 9291 followers, XXX engagements
""Generally valuations go up" Except the many times they have gone down in history. Using leverage works well if you borrow to buy an appreciating asset until it no longer works well and crushes you. Balance that risk extremely carefully. That shouldn't be applied to your principal residence only investment property"
X Link @davidmullings 2025-10-18T16:31Z 9291 followers, XX engagements
"So what you are saying is that there is massive market share to be gained by the financial institution that goes into a rate war in Jamaica and reduces the fees for mortgages while doing it profitably. Basically do what Digicel did when it entered the telecom market. That would require: ✅ scale (large balance sheet) ✅ trusted brand ✅ strong branch network ✅ cheap source of capital ✅ massive use of digital solutions ✅ willingness of the board and management Maybe I can get a large enough stake in one of them and make a push 🤐"
X Link @davidmullings 2025-10-18T17:30Z 9291 followers, XX engagements
"1. A person would need control of a DTI a deposit-taking institution not necessarily a "bank" (credit union building society) OR could have a licensed Microfinance company that then focused on mortgages (100 licenses being granted but more than XX gone already) X. I don't believe in only competing on Price because it is indeed a race to the bottom. I do believe in competing on Customer Service and offering better value for money does that which reduces customer turnover reduces costs and investing in technology would also reduce cost improve productivity AND improve margins which allow a"
X Link @davidmullings 2025-10-18T18:08Z 9291 followers, XX engagements
"@shawnwenzel @RayDalio They know the history of Grenada Cuba and Jamaica"
X Link @davidmullings 2025-10-18T22:26Z 9291 followers, XX engagements
"@fimily Calculate that it costs a minimum of US$25000 per 1BR that is to be built and you can quickly see how the numbers add up. We are building XXX in Old Harbour and have been approached about additional opportunities in St. Thomas St. Catherine Westmoreland and St. James"
X Link @davidmullings 2025-10-18T23:59Z 9291 followers, XX engagements