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In looking at the individual investments, he saw that most of the stocks were speculative and while two stocks had done well most of the stocks were flat for the year. Two stocks had lost about half the value of what they were purchased for. There was considerable turnover in the individual stocks. The mutual and bond fund investments were made in the funds of this brokerage house and carried either front or back end loads. While Ray wasn't against load funds per se, these funds also had high expense ratios and most of them had 12-b1 fees. The year to date performance of the funds was nothing to be proud of. Ray switched from the internet into the computer word program where he listed what his specific recommendations were for Meg. He also printed out a copy of these recommendations.Meg came back in and asked if he wanted a refill on his drink. She said it tasted so good that she was going to indulge herself and have another one. She also said that the food was ready when Ray was. It was 9 o'clock. He had slept for 5 hours. He hoped that he would be able to sleep later and not wind up tossing and turning all night. He pulled out the specifications for the project and started reading them. As boring as they were, he knew that the specifications were extremely important. He was about half way through the specs when he fell asleep again.When the alarm went off, he was still dressed and the spec book had fallen off of the bed. He reached into his luggage and pulled the single cup coffee maker that he carried on these trips and started the coffee brewing. In a matter of minutes he had his first cup of coffee. As he stepped into the shower, he was thinking about the upcoming project and started the project in his mind. This project had an interesting feature. The first addition was the largest and was going to be a secure and separate building even though it was attached to the existing building. The shower helped sooth away the stiffness he had after sleeping all.
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