Thanks Richard for the material he sent, discusses another pen-pal--Anne Conrad of Colorado, congratulated Richard on the birth of another grandchild, and then spent some time discussing financial topics in response to his being told in an earlier letter about Richard's work experience getting people mortgages. The next page is devoted to the history of old nursery rhymes and antiquated comments and their true origins. He also includes an email from his son Eric that has some humorous financial oriented quips and sayings.