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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. I looked down and could see my panties. His fingers were so close to touching them. I raised his right hand and put it on my panties. He left his hand there. I spread my legs a little. When I did, his hand fell between my legs. I took a hold of his hand and pressed it against my panties. My sons hand was now on my pantie covered pussy. I could feel myself getting wet. I wanted more. When I removed my hand, he left his hand on me. He wasn't moving it around or anything. He was just letting his hands rest on my pussy. I waited for him to start moving his fingers. Nothing. Maybe he was afraid to. I knew how to fix that.I took a hold of his hand and moved it up to the top of my panties. When I knew his fingers were above my panties, I pressed his hand against my body and slowly slid his fingers between my panties and bare skin. I kept moving his hand down until I could feel his finger tips just barely touch the top of my pussy lips. I pushed his hand down further. I couldn't get his hand.
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