Ferdie to Bob

  • Boojferd
    Dear Bob, here are some photos of my life here on the campus of Concordia Seminary. I love kids, working with the grounds crew, swimming, playing with my dog friends, and especially my own family people.
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    « Advice on how to lower your cable bill | Main | 14 foods you should never eat »

    February 13, 2013



    When I was a kid, a bank executive was one of the most respected poeple in the community. Not any more, in most cases, and not for quite a while.


    The difference between local banks and Mega-banks. You used to know your banker, he was a neighbor or classmate.


    "Delays can follow when banks request proof of repairs or servicing required by federal mortgage agencies."
    The banks are dammed, if they do and dammed, if the don't.
    If they pay out the funds, prior to following guidelines from Fannie Mae or Freddie Mac the politicians would be screaming about lack of oversight by the banks with federal money and the banks would risk losing their guarantees on the loans. When I worked in the banking industry, a local bank, insurance settlement checks took time process to prevent fraud. Lots of people get taken by fly by night contractors,after these catastophic events. The bank has fiduciary responsibility to its shareholders and its customers.

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    Michigan 2005

    • Arcadia_077
      In August of 2005 we spent a week at Camp Arcadia on the shores of Lake Michigan's Northern lower peninsula. Here is our story.

    Dedicating Wartburg

    • Img_5101
      Wartburg Hall's transformation from dining hall to a commons area was dedicated on September 18.