Hard sales pitches. You will pay inflated prices and you may never recover your investment after many years and may still sell at a loss. They scare you into buying proof coins saying that the government may confiscate bullion. When it comes time to sell, they will work with you only if they can get you to liquidate what you have and buy more at inflated prices. If you ask for a firm price to sell, you'll be quoted a lower price 15 minutes later because the salesman will say the market just dropped. I think proof coins are a bad investment. Don't believe the quoted values in the coin books either. Those prices are inflated when purchasing and you won't get that price when you sell. Stay away from precious metals IRAs or anything the government can trace. The yearly IRA metals storage and maintenance fees in a trust company and depository will eat up any gains you might get. In a SHTF scenario, you'll be bartering toilet paper, food, and maybe ammo. If you do decide to buy precious metals use Discount Gold and Silver Trading. They are more honest.