[Janet]

I've rec'd those in the mail many times and have thought the same thing. We ended up just putting it in savings and then when there was enough transfering it to CD's. The thing is now....we have to be careful, our savings is drawing more then the CD's now...so we just leave it there until the rates get better. Plus, whenever we might have a little extra...we put it in his savings and I don't think you can do that with the Gerber Plan. Bottom line is you have to check it out really good, (we never did check it out completely) and do what is best and easiest for you to save.

I do recommend if you think you may have trouble leaving it alone...it may be a good idea. That is one reason we switched it to CD's...we couldn't touch it in case of emergency without a big penalty that we weren't ready to pay.