Rick grew up in Kailua, Hawaii. Graduated from San Jose State University and began his writing career while working as a Superior Court Probation Officer. In that capacity, Rick was responsible for interviewing defendants found guilty of felony charges, then preparing an extensive judicial sentencing recommendation for his team of assigned judges. This honed his writing and research skills immensely. Rick took these acquired skills and applied them to a booming mortgage banking market. By substituting rap sheets for credit reports, Rick quickly became the 'Dean of Mortgage Banking' in Northern California, successfully convincing mortgage underwriters to 'sentence' his clients to thirty...
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