現在買銀條還遲嗎?? what is diff buy paper gold/silver or in 實物??

我係初哥投資銀條,係利昌買同Kitco 有乜一嘢分別,如果要賣银,那間容易sell?? 美金價係35 why i buy at 利昌with handling fee is about  US$43 am i buy too expensive?? Is it buy at US and Canada is cheaper ?? is it safe?? should i buy silver coins instead of "條" ?? Pls advice