Your friend tells you that rather than limit your investment in the stock market to $1,000 per year you should take all of your wealth that is invested in FDIC insured certificates of deposit and buy shares in the SPY ETF. In addition he recommends that you should invest $50,000 in shares of Apple Computer common stock rather than buy an annuity that pays 2.9% per year for the rest of your life and for the rest of your spouse