as far as the gold/silver i understand your point as far as short term. it is a very volitile (spelling) commodity, but i feel in the long run it should pay off, please for my education, let me know why your opinion is sided towards avoiding.
Gold has averaged roughly 3% annual return over the past 100 years. That number varies slightly depending where you get your figures, but not much. Here's a few numbers to ponder:
One dollar invested in bonds in 1801 would yield $13,975 today.
One dollar invested in stocks in 1801 would be worth $8.8 million today.
One dollar invested in gold in 1801 would be worth $14 today.
There are occasional spikes in the price, usually during times of economic uncertainty. But IMO the spike has already occurred. It may still go up a little, and will likely stay elevated in the short term. But I think most of the big gains have already occurred. The most basic rule of investing is buy low/sell high. Gold is as high as it's been in about 30 years.
Keep in mind, I am an amateur. And I have not done any serious research on gold as an investment. But the little bit I have done makes me think it's a very poor investment. YMMV.