Granted Oil and Gold are some pretty good deals, but they are still speculating! and if you are in commodities then it is hi risk to boot!!! i have seen that although it does not make me as much or as quick i do make more faster in the long run because all that i do usually make me 30%-60%. and i always have the rent so it basically pays for it self! commodities or other indirect investments you put up the money if you win great if it goes the other way well i guess it is just your bad luck! deversification is the key to financial security!!!!