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The benefit of investing in mutual funds or ETF’s which gave diversification because of the number of stocks in those funds was covered. The standard of comparing investment results to the S and P performance was discussed. He mentioned that an investor needs to balance the safety and performance of a mutual fund against the performance of individual stocks. Tom emphasized that he thought a proper balance cam be rewarding.After a rest break he explained how he selects individual conservative stocks by looking at their five year financial report and what things he looks for.Tom said, “I can’t guarantee you will get rich by investing this way which is very conservative but it has worked out for me. It is my impression that if a company has increased; sales, net income, and dividends as well as a few other things every year over the past five years and maybe longer, the probability is that they will do this again next year and its share price will go up.”“Remember that the S and P is. As I did Zahra stepped out into the corridor and joined me with her crossbow raised and at the ready.By then the guards knew that they had trouble on their hands. Instinctively they brought their spears from a resting position, across their bodies so that they could use them defensively. As they did they moved forward, starting down the steps. Of course while they were doing that Zahra let loose her bolt and I let fly my second arrow. As they sped away from us, Zahra moved back and out of the way. This allowed Rory to take her place in the corridor with his crossbow at the ready. Even as the guards rushed forward to defend themselves, Zahra's bolt dropped another one and my second arrow felled the third defender. A moment later, Rory's bolt hit a fourth man. His death cry rang out even as the impact of the bolt hitting him threw him backwards into one of the pillars. A second after that I was firing again. My third arrow sped forward and dropped the fifth guard before any of them.
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