I could go talk to my financial advisor, if I had one...I could find one at my bank or something!  I could even go on line and Google and read information out there, and I've done some reading already!  However, nothing beats the knowledge of my fellow Joes!

So who has them, had them, plans on getting them, [no, I'm not being nosy!] is it worth it, are they good investments in these times?  And don't tell me we are not going through a rough patch because we are! 

I digress, this is not about whether the economy is bad or not!  I really want to know if it makes sense doing this right now?