Arnaldo Melo (born 30, 1977), Luso-American, HMDA-CRAanalyst, was born in Ponta Delgada(raised in Água de Pau, São Miguel Island, Azores. In 1990, emmigrated to USAto reside in Fall River, MA and attended Talbot Middle Schooland B.M.C. Durfee High School. Graduated in economicsand portuguesefrom the University of Massachusetts at Dartmouth. He completed his masters in economics (concentration in Urban Issues) at the Northeastern University, in Boston MA and presently pursuing a MBA degreefrom Providence College. He still currently resides in Fall River, MA with his wife Liliana. --Arnaldo Melo 20:42, 7 August 2006 (UTC)