I want to invest but wonder if its too late...wish I would have heard about these earlier on. Just wondering what would happen when the difficulty increases and the payment halves for miners. And what if miners all go on strike or stop mining due to electrical cost and decreased pay.
In my opinion, it is not too late. The price is bound to rise in the long run. With the reward drop and some miners closing their rigs, I expect the price to rise much more. However, there are also other factors to count in. In short term it's mainly ASIC, in long term there are various scams, crashes of infrastructre or effects of bad publicity, but that's another story...
Long story short, if you believe in Bitcoin like we do, buy your first bitcoins now. You're still an early adopter!
By the way, welcome to the forum and welcome to Bitcoin. Please, don't mind all the trolls and idiots here.
Also, be careful who you deal with. Don't lend bitcoins to people you don't know. Not even to those who look very trustworthy. Don't trust people with VIP, Donator, Hero member and other similar tags more than you would trust someone with a newbie tag. VIP and Donator tags are sold for a few bucks. Scammers often donate this small amount of money to buy trust of other member of the community. But I digress once more...
Anyway, if you have any questions, feel free to ask.