I kept two sweat shirts and half-a-dozen T-shirts to sleep in or for warmth, and earmarked the rest for donation to a thrift store. None of my shoes or boots were wearable, my cold-weather stuff was way too big, and the underwear was impossible. We put everything in bags and then the bags were put into the back of the pickup for future delivery. We chatted for a little while after that, and then I went to get ready for bed.I was in the shower just getting wet and heard Amber ask, "Would you like me to wash your back?"I think she was just curious about my body, and I hadn't seen her nude since she was a toddler, so I thought, 'why not?'When I peeked out of the curtain to tell her yes, she was holding a T-shirt over her chest, blushing quite pink. I smiled and held the curtain open while she dropped the shirt and stepped inside. It was a little cramped, but we made do. I handed her my body puff with some soap on it, and she "scrubbed" my back. I heard her giggle when she ran her hands. 3 million dollars in the account and it had grown less than one third of what the S and P index had done during the same period. 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.
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