How much do you think BTC will be next year? I can hold them it wont make a difference.
Whatever you do, don't sell everything at once...
And read this thread:
(SSS) - A Sane and Simple bitcoin Savings plan
https://bitcointalk.org/index.php?topic=345065.0
b) what cards? And what is fiat value mean?
fiat value = value as measured with $//£
http://en.wikipedia.org/wiki/Fiat_money
I have to think of them and the charity too.
If you don't already know to whom give this money, read about Give Well
http://www.givewell.org/
...and maybe think about donating to scientific research. Charity helps people today, but scientific advances will help even more people in the future.
Why do you think alt coin wont increase in value?
Well, these altcoins that have new features, like Namecoin, probably will increase in value. But simple copies of BTC ? Why people should use them, if BTC exist ? This is why I'm rather sceptical about LTC and similar coins.
This is only my personal opinion, of course !
PS. 15oSR7bYNep3bTtVCh5wuXhQnG6qvDvHWY ---> if you consider any of my ideas interesting, donations (even symbolic 0.01 btc) are always appreciated