We kept talking not noticing that night time had fallen. Around 9:00 pm we stopped and just looked at each other. I said, "Joan what a great time I've...had talking to you." Joan said, "Me too. Let's do it again." We both needed to go to our rooms. When she left she pecked me on the cheek. My heart leaped. We had coffee nearly every day for the next few weeks. I was falling in love. I hoped she was too. We finally went on a real date. We had dinner and went dancing. When I held her in my arms I. 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. More

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