If you do not know for an absolute fact that the timing belt, water pump, and tensioner were replaced within 60,000 miles of now, do it right away. Otherwise, you are just playing Russian Roulette with your engine. Could be fine, could throw the timing belt and smash your valves into your pistons and put holes in very expensive things.
Usually the only noise a bad timing belt makes is a "whuffle" as the pistons move up and down with some of the valves stuck open. Or possibly some smashing noises.
"Mango Bango", 1990 CRX Si -- Sold on 10/01/11, with over 227,000 miles.
VTEC is Honda's "select a cam profile on the fly" system; VTECH is a crappy phone.