I think you make a good point, and I wish I'd taken advantage. My brother, who makes $12/hr, took his entire savings in March '09 and invested in commodities. H

I think you make a good point, and I wish I'd taken advantage. My brother, who makes $12/hr, took his entire savings in March '09 and invested in commodities. He saw massive growth, while I bought toys and had fun. I made no money, and learned a good lesson.