DEAR HARRY: I am 62, and I'm not financially able to retire. I don't have much saved, only about $23,000 in my IRA. I have been hearing a lot about investing in gold. Recently I attended a "seminar" given by a company that promoted gold ownership. One of the speakers predicted a damaging inflation before 2018. That would make gold king. He had a history of accurate investment predictions that looked impressive. That company said that it would invest in gold bullion for me for the IRA. The charge would be $250 for the first year, followed by a $150 annual custodial-and-management fee. Is it OK to roll over my IRA into gold this way? Is gold a good investment today?