Nbttruth, I appreciate your advice, which I think is sound, and thank you for offering it. And if I my circumstances were different, I would probably follow it. But for me right now, it’s all about time, opportunity, and simple arithmetic. I’m almost to the end of my earnings life, I have only a relatively modest sum to invest (about $35K in savings), and I’ve calculated how much of an investment return I will need – and how soon I will need it – to keep myself and my wife financially solvent and living in reasonable comfort for the rest of our lives. The bottom line is, I need to maximize with the minimum as quickly as possible – and as I see it, FITX presents the best chance of accomplishing that goal. To provide the same return on a $35K investment that FITX appears to offer would take AAPL (powerhouse though it is) several years at the very least. And I just don’t have that much time.

The funny thing is, I’m not a gambler – by nature, I’m cautious, logical, deliberate, and risk-averse. And FITX (as a stinky-pinky) is clearly a huge risk. But it also has the potential for huge rewards in the shortest amount of time. To use a baseball analogy, at this point in my life a single won’t cut it, nor will a double or even a triple – I need a home-run with the bases loaded. So I’m swinging at FITX as hard as I can.

Thanks again.