radarblip is correct. The way I would put it is that if you are not the type of person who would be inclined to upgrade audio equipment before it breaks, then banana plugs are probably not worth it. However, if your on the upgrade path, banana plugs are a VERY good thing. It beats the heck out of rubbing your fingers raw twisting and screwing in those damn copper wire threads.
Hepcat - yes - Bannas plugs are popular type of connector in the electroinics world, especially for multi-meters, where you are always re-plugging them into different connector settings (e.g. amps vs voltage vs restistance).
I echo radarblips - if are only plugging them in once , it's not worth it, but if you are moving equipemnet around, or adding to it, it's worth the extra $2-$6 to keep your fingerprints.
What do they do you ask? They save you a hell of alot of aggrivation IMOP but I guess if you spend thousands of dollars on equipment, whats another $50 to properly terminate all of your cable ends? I was originally not going to use them, but I've decided for ease of use and to complement my system I am going to purchase them.
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