If you can, buy directly. I've heard of some people on eBay, buying paydirt, cutting a small slit in the bag, taking most of the gold, sealing the bag back up, then reselling the bag (some direct vendors only sell on eBay, so do your research). Did I mention to do your research? There are some well-known scammers who are very popular on eBay (and that have their own websites as well) that don't have any gold in their paydirt at all, yet they advertise that they have nuggets and show photos of them. Just like anything, do your research. I buy paydirt to hone my skills with various difficulty rated bags. I haven't tried many different vendors, but my favorite paydirt is "Gold Nugget Sales" and "Vendetta Prospecting". They are some of the best reviewed with some of the best return. Again, it's not for investment, but for fun and practice. I've also liked "Klesh". Their product is good, but they are more expensive, especially when adding shipping, but the quality of dirt/gold is good. I've been wanting to try "Yukon Ali", but I don't know how much shipping is, since it's from Canada, but she adds quite a bit more gold than the guaranteed amount. She's currently sold out and usually is. There are many really good vendors/manufacturers and many more really bad vendors/manufacturers of paydirt. Research, research, research.
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