Did you know that gold is up 200% since 2000, and "some experts" predict it is going to go higher?  Did you know that in today's market of interest rates from 0 to 2% that you can get 12% on an investment guaranteed?  I've heard these promises on the radio and TV many times over the last several weeks.  Isn't it unfortunate that these trying times bring out the half truths and the funny numbers to take advantage of our fears and take more money from us?