He countered that with the efficient market hypothesis and the conflicting opinions on that hypothesis from other respected investors and behavior economists.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. And Timmy's suitcase full of his boy clothes that was "put away" in thelawn shed? Well, it was already in the trunk of Madge's car ready to bedropped at the Goodwill on the way to the cookie bake sale. Timmy, orrather Tiffany wouldn't be needing it anymore! Timmy's head spun as Madgeled him downstairs into the kitchen. He still heard the satisfied gigglebut didn't realize that by the time Madge was finished it would be a nearcertainty that Tiffany would soon forget what it was like to ever wearpants, and no longer know what it was once like to walk in flat shoes!But still, Madge wondered. She couldn't understand why a young man wouldever have a lust for wearing ladies things. She'd lived her life as awoman, she'd worn all the nylons and the lingerie and dresses and skirtsand heels. She thought back and momentarily remembered the excitement ofthe first bra and first pair of nylons but over time she just keptdressing as a woman and all the feminine clothing became just,.
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