Understand that this is neither financial advice nor expert opinion, anything I say is just my personal experience and my personal opinion.
In my experience local gold and silver stores have high overhead costs and limited stock, thus higher prices. In my experience I have found that Goldline has products currently priced and dependable delivery. I think physical gold is the way to go and would never waste my money on gold paper. Just saying. Your experience may vary.
Always do your own research and understand the risks involved.