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From a grammar source: For instance, we have it drilled into our heads that "Me and him went to the game" is wrong; it should be "He and I went to the game." Too people end up thinking "He and I" is therefore more proper, and use it in inappropriate places, like "A message came for he and I" — it should be "A message came for him and me." From me: If you drop the other person it should still work. In the sentence above, "A message came for me," is right, but "A message came for I," is wrong. In your example, "You're between Mood and me," is correct. But if you're ever in doubt, use these ancient writer's tricks . 1) type it into Word and if you get the wavy line. Word's grammar is notorious for being wrong, but it's right enough of the time. 2) (this is my favorite way to handle it) Write: "between us." Problem solve-ed.
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I'm not an expert, but it really doesn't sound like a lot to me when spread over 15 years. What I do know, I've learned from the wealthy folks in my family ( me trust fund -). The best way to make money is to borrow money. You can't make money by sitting on it or just holding onto it in the form of cash. The interest on cash is nothing compared to the appreciation value of real estate etc. When I was a grad student, I had a limited amount to put me through school with some extra. I spoke with a financial adviser who set me up with a good mutual fund (good then, wouldn't advise mutual funds now). The fund yielded an annual appreciation of 15%! This made the difference in a larger downpayment when I bought my home when I got my first job. The lower mortgage payments that I had (because of that difference) allowed me to live on a salary that my co-workers had a more difficult time doing (and they were renting). Now, my home has appreciated $ k in a timeperiod of 6 years. That's how money really works. Meanwhile, my home was my best tax shelter too. Sitting on cash would never have yielded me much at all. The sooner that you put your money to work, the better. It's not that much more of a hassle. A financial planner can help assess the level of risk that you want to do. When I put my money into a mutual fund, it was a low-risk fund. Had I invested in the higher risk Asian mutual funds, I would have made more money but at that time it would have involved more risk than I was willing to take. Right now, the Asian markets are going to really boom in the next few years. If you don't want to take risks with those, watch the news and notice when contracts are being negotiated or new (that's the time to invest in the US or Canadian company doing business in -). Life involves taking some risks. To achieve wealth, it's a must. Even lotto winners had to spend a to make money. Good luck!
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