Wow thank you so much for the responses they were very helpful. I was asking this question so I can learn proper seo not for the intention to black hat my way to the top. I have built a company from the ground up with my family and have no intentions of doing anything to harm our internet presence in any way.
I wanted to know if it was bad or not because I had a local seo guy wanted to build that type of structure for our site and wasn't sure.
Optimize - You freaking rock... now thats an answer... I am going to forward this over to the seo guy as the main reason why I won't be hiring him. lol
Thanks again...