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 ready to eat. Ray opted for the drink and said he was finished in looking at her account. If the food could wait, he would like to talk to her about his observations after she brought back his drink. He observed Meg walk to refill his drink and. I asked a few of our tradies that did business with us who would be the best man to talk to, they all agreed that Giuseppe D'Acenzio was the man to talk to, Mr Concrete they called him.Ron and I tracked him down doing a concrete house slab. After the usual how do you do's I explained what we were looking for. His first question was do we have architect drawings, I told him no, what we wanted was someone with a broad enough knowledge of the building industry to look at the site and to consider our needs then go away and think about it, then come back with a 'mud map'; if we thought the ideas were what we liked then he could take it to a design architect. In short we were looking for him to manage the whole project from go to whoa. I must admit I did a probe on him before I gave him an open sheet, he stacked up pretty good, he was a hard businessman but fair and honest as the day is long,Giuseppe spent a few hours with his offsider measuring up the site, he took close notice of the old.
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