I have some cash that I had planned to use to purchase a gift for my nephew, but he told me he already had the gadget in question and recommended I spend the money on myself, instead. So I am going to take this relatively small amount of cash ($1,500) and do some gambling, by which I mean, buy some penny stocks using my discount brokerage account. I've gotten incredibly lucky in the past; thanks to a very timely purchase of 5000 shares of SIRI, that account is net positive and has an annualized growth of 16%. Of course, virtually every other stock I purchased turned out to be a loser, but a win on just ONE penny stock forgives all sorts of losses, especially if you treat penny stocks as I do: a gambling game in which I only "invest" money that is not marked for other use, such as retirement funding, bills, college savings, etc. "Play money," which is a far more scarce commodity recently than ever before in my memory.