Investment Plans for a Young NRI?

Hello ppl, Every time I google for something, the yahoo answers pops up and give me the correct answer. You guys are doing a really good job,after all a good advise is a rare thing..Hope I can use this for my long lasting questions.. I am 24 yrs old, working in Amsterdam and as like every other Indian youth, I wanted to know the proper ways to invest money. I have no idea about share markets, I don’t have a demat account, a PAN or resident account in India, all I have is an NRI account. I can save around Rs 60,000 per month,(which will be growing every year..) in which I give home Rs 30,000. When I speak with my friends back in India, every one fires too many ways to invest the money, such as Real Estate,Gold,Shares, Insurance, Property etc etc. I have started with opening a demat account, asked for a PAN, so I hold it back. Tried for a home loan, I was told I should be 25 yrs age for eligible for a NRI home loan. Buying Gold, I have no idea how to do it. To put in simple terms, I learn the art of make money, but have NO idea to invest money.. So please advise on a way to look further. Kindly note, I don’t need any very long term retirement plans, as I’m paying off big bucks here for the same. Let me know the do’s and dont’s..!!! Hope for your kind advises,,, Many Thanks…

what is the problem inmaking PAN ucan apply online also for that