We followed a formal book of study at each monthly meeting to get us going, then after that we were in favor of studying individual problems as they came up.

We are a legal partnership agreement, as any other business. We own all of these stocks jointly, and we each own a percentage of stocks according to the amount of money we invested.

We have the minutes, then the financial report on stocks we currently own. We discuss the sale and purchase of stocks or any other action we want to take.

I say some of us expected it to be ongoing, some quit when the stock market went down, some quit when they realized it was a great deal of study, some moved away, and some just decided, this is not for me.

My family members were interested. We are careful not to say, 'my husband, or my father, or my brother' thinks ­ we need to think for ourselves.