marbec..I agree credit will have an impact...in my case am holding on for the long term..and expecting interest rates to go lower..which makes it cheaper...in fact I have seen bargains, but missed them....but I am more likely to look for another bargain....than do nothing... and since I have another xxx years left to support self...I need to be proactive with my investments.... I have been self employed and working only part time for several years now....am enjoying the lifestyle.... so at my age, investments are my priority....not interested in working full time again not interested in the stock market or cash as an investment..atm....will use the skills I have acquired in property good luck with whatever you do
