The author is a retired Bank Manager, currently a Mortgage Specialist processing residential, Commercial, Agricultural and Recreational Mortgages. He also writes a Monthly Op-Ed with a circulation ...view moreThe author is a retired Bank Manager, currently a Mortgage Specialist processing residential, Commercial, Agricultural and Recreational Mortgages. He also writes a Monthly Op-Ed with a circulation of over 20,000 locally in a well read monthly magazine. Besides that he is a Board Member and the Treasurer of a local non-profit service that provides specialized progammes to disadvantaged youth, and Senior Citizens. He also likes to write Books (this is his third) and will continue to do so until they plant him in the ground. More books to follow if the good Lord's willing and the creek don't rise.view less