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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. It seemed to be gliding effortlessly alongside our canoe.“It’s a Loon”, I answered as it gradually moved out of sight. A short time later, it popped up on the surface of the lake.“Cool!” Angie cried out. “What an interesting creature. The water is so clear. I can see a long ways down into the water. This is amazing!”Mark one off on your scorecard, I thought. She is having a good time. The rays from the sun were beginning to shimmer on the surface of the water. Another fish jumped. I heard the ‘Moo’ of a cow, in the distance. On the ridge, a farmer was plowing his field.“Let’s go out to the island,” I offered. “It’s not too far away.”We gradually slipped into a smooth rhythm as we headed for the island. I watched her from behind. I will never get bored with the wonder of a woman. The long flowing hair, the delicate shoulders, and the amazing lines of the hips were all a joy to behold. The beauty surrounding me was an added bonus. The sun had reached that point where it now hung low in.
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