????

AnotherED - investment implies risk, and that's what you asked advice on. Savings and paying down debt are not investments - they may be admirable and what suits you. A 3-4 year time frame makes it (investment) more risky too. Cautious people on the whole don't make much money with their spare money but they don't make that much of a loss (except to the extent that inflation eats into their savings and the 'opportunity' cost around dead spare cash and/or leverage). Given your plans and longer term goals/income expectations, I'd suggest you do your move now if...unless you think property prices are going to crash or be the same by your proposed step up date. or hold on do a split 1/3 off mortgage: 1/3 in some kind of investment vehicle(s) - 1/3 in cash.

Louisa - below say 40s, you'll see far more brown beer drunk among posher types than you will among working class lads/ladies. The revival of bitter and ale in pubs and me starting drinking them again - largely led by the gentrified pubs - has just reinforced how sh1te draught lagers are to me.

Nah, sorry. They can if they want to.

Two marriages I know of At least one baby and a few more casual encounters too...alledgedly

Do it the Mick way, a couple of weeks in the middle of the month where you don't have a drink on the Tuesday and Wednesday...piece of p1ss

I've found twitter a bit more useful this Christmas as I've been able to tweet West Ham regularly asking them if they've sacked our useless twat of a manager.I've found this vaguely comforting. Still awaiting any response.....either to me personnally or him being sacked.

"Less social contact".......with alcoholics

No Jeremy..Read all my posts , caveated throughout and making it clear about depend on risk appettite etc...also, of course, anyone with a private or emlpyoer pension is almost certainly doing this anyway..... Dripping payments into a FTSE tracker on a monthly basis over a two year period say reduces that charted volatilty pretty well too...doing it over 5 years evemn more so etc, etc

ftse 100 up 14.4% in 2013, so ?40k= ?5760 profit in a tracker, give or take some admin fees..plus ftse 100 companies generally don,t go bust and you,d get dividends thrown in with a decent tracker......not sure if I,d do this now but just illustrating

and ?40K in a FTSE tracker last year would have paid you a lot more than that if you cashed it in tomorrow?..just pointing out. People who make money with money take risks - is that for everyone, no - but that's the truth.

Paying down the mortgage with interest rates at rock bottom is in investment terms a poor choice - if you are cautious and worried about your job security, then it is a conservative and very safe choice, but. I sense you are looking for a a bit more risk with potentially higher returns?

maxxi Wrote: ------------------------------------------------------- > This must be the end. Never mind 8 mill for > Lambert - use the money to pay off BigUselessSam > and let's start again. Has he gone yet? Most fans lost faith a few weeks back, I think he's lost the players too.....only the board to convince

Unproven medically Replacing one addiction with another ....what happened to good old willpower :)

Fuck, here they are again,...night all

Fooking proclaimers was nearly a turn over for me....jock rock not my bag (sorry shmb)

In diary

...and a French Kiss

Giving up food for funk.....oh yes

Yup, you and maxxi were right on this all along, I was wrong

someone else join in FFS... The Specials....special

...er, and a big scientific paradigm shift was when people started believing in science not fairies/ghosts/goblins etc

....oooh yes the marvelettes....marvelous

:)

Popper and Kuhn must be cheering from on high at the standard of scientific debate on the EDF

Don't worry this'll seem like unbelievable efficiency when we are relying on wind power and renwewables and Miliband starts intefering with the market by freezing prices and thus stifling investment. Get used to it. careful for what you wish for people......