I am 59 years old, do not invest in risky Stocks. Apple had good earnings at 145 high. Now 127 because two lying investors claim they pay 30% commission which is just for the first year. Maybe Apple has costs the first year, not repeated every year. The stock has been crucified because of being accused of charging 30% every year. User's recommendation: Notify CNBC, their Stock Reports should be verified and honest; especially on Companies who are considerably reputable and owned by many PENSIONS.