Oh Tim, I have a funny feeling you and I are going to have some interesting times.
I'm glad you don't mind jumping right in, but that is NOT what I would recommend for anyone. To do so is to take on a whole lot of unnecessary risk, and frankly, I'm in the business of minimizing risk, not inflaming it.
Plus, and with due respect, but you're cherry-picking stocks and looking at only its past gains. That's in the past. There's no guarantee that Visa will continue this upward trend. Not unless you know some deep fundamentals you'd like to share with us.
Otherwise, the domestic market is still bearish, the financial sector is still battered, and the lending industry is still iffy. The fact that Visa's IPO has gone gang-buster to me doesn't say much about how it will perform from here on out. Before that, it was Apple, and Apple has slipped slightly since its hey day. Before that was Google and Google fell off the turnip truck to about $450 after peaking from $700. We can keep going on and on.
Seriously folks. The fact that a stock is HOT right now is NOT the signal you want to see to buy into something. Rather, it's a great way to lose money in the end.