A friend, who lives in another city, sent me a text message last month, telling me to buy gold. He also gave me a stock counter to follow but because I have had a hectic month, I totally forgot about them and only remembered when he followed up with me last evening.

I told him that because I was busy, I forgot to check out his tips. He was surprised because he thought that because I am connected to the internet the whole day, I would be able to monitor gold and the stock. I couldn’t. Besides, one could easily buy gold and also stocks online, without having to leave the house!

Well, what to do? I missed the boat, I think, though I haven’t actually checked the current prices yet. I guess I will have to read more about gold investment just in case he tips me off again.

My mother told me that she has some savings and since she has no use for the cash now, she would like to keep it safely. She asked me for my opinion and I told her that perhaps she should buy gold bullion. I am not asking her to, because I believe that investment is something personal and should be decided by herself.

However, I did tell her that buying gold bullion is very easy now and could even be done online. There are a few reputable authorized gold dealers which she could check out. It also makes sense to read up on buying gold. I believe that even if she is a small time investor, she still needs to be informed on what she is going into.

Luckily my mother can speak English so it’s easy for me to guild her on where to go to look for information on gold investment so that she could read all about it.

A friend told me that with Thanksgiving just over and Christmas just around the corner, she is seriously out of budget, especially after a home emergency that broke her budget for the month. Payday, unfortunately, is still a long way off and the bills have to be settled at the end of the month.

While many people would resort to friendly loans from friends and family, my friend doesn’t think it’s a good idea. Taking out a bank loan is out of the question because of the many requirements and the time needed to process her application. Previously, she resorted to quick cash from her credit cards. Now, they are maxed out and are of no use.

My friend has considered payday loans. From what I read online, such loans are great to cover our expenses till our next pay check. There are a few types of payday loans, though. Some would require us to fax in our forms while some would require a credit check.

My friend needs no fax, no credit check payday loans because it’s the most convenient and one could get the cash the same day itself. That’s very fast, if you ask me!

While payday loans may seem like godsend, it is actually not. There are requirements that applicants have to meet. I read on a few websites that one needs to earn at least a thousand dollars a month and be at least 18 years old. More importantly, one must be disciplined in meeting repayments on time or interest could snowball out of hand.

Payday loans are actually short term loans so as soon as the paycheck arrives, the payday loan is the first thing we should take care of. My friend, before applying for a payday loan, should read all about it from websites like ThinkTanking.org. Once she is clear what payday loans are, she could easily apply for one through ivctricounty.org.

My friend showed me a website that has data on properties for auction. Unfortunately, to gain access to the data, I would have to pay a hefty amount. Their gold membership would set me back by a few thousand bucks. I told my friend that it would be wiser for me to buy gold with the money, instead of buy gold membership.

He said that it’s just a “small” investment. Well, it may be small to him but I certainly could use the money better. Besides, gold is something that doesn’t need time or money to maintain and I could just keep it well in a safe until the price is high enough for me to make a good profit margin. Of course, gold is not as speculative as property but then I prefer it. I am a low-risk person. Did you know that gold is one of the best ways to preserve wealth?

My father told me that he can buy bullion over the internet without having to physically go to his dealer. I don’t know how right he is but he says that his friends are doing it and he wants me to check it out.

To me, when it comes to investment, doesn’t matter if it’s in stocks or bullion or whatever, convenience is one thing. I also need to look at the reliability and honesty of the dealer. Even though this may come recommended by his friends, I would still need to check the company out.

I know my father is easily persuaded into doing something and he enjoys being in the crowd. This means that if his friends are doing something, he wants to be seen doing the same as well. Although it may seem like I am always checking on him, I actually don’t have the time but I will help him look for a dealer, if he really wants to buy bullion online.

My friend was telling me that we are so luckily to be living in the era of the internet. He says he doesn’t know how life would be like without the computer or the internet. Everything is so convenient now that things are virtually at our fingertips. Come to think of it, we are a pampered bunch!

My friend says that his so comfortable using the internet that he even make expensive purchases online. Besides trading in stocks online, he also buys bullion; both gold and silver. I remember the old days when it was so difficult for my grandmother to buy bullion. She had to take a cab to the goldsmith shop because she didn’t have a car and she always had to be accompanied by one of her children who acted as her bodyguard.

In this day and age, buying bullion could be done in the comfort of home and it could be delivered to anywhere we wish too! That is, provided we have the money to buy precious metals!

My father, who has been listening to his friends and hearing stories of how they are making good profit from investing in gold and other precious metals, is waiting for the right time to enter the market as well. I understand that he is looking into purchasing a gold bar or two, which I have no objections but I have cautioned him to go with a reputable dealer, or not at all.

My father doesn’t know that I too have been reading up on gold and precious metal investment because I too am interested to invest in gold, though I have to be extremely careful because of limited capital. There is valuable information on the website of United States Gold Bureau for anyone looking into precious metal and rare coin investment. And one thing that stood out is the importance of choosing a reputable gold dealer. I hope my father has learned something from those articles as well.