Lily H

Usual problem, cashed in my endowment and now have 15 years on the capital. The amount is 38,000 and I have 15 years to get the money together. I am planning to save 200 per month for the 1st 5 years, then increase the amount to 400. I know I will easily be able to clear the amount at the end of term, but my confusion is - where do I save the money. I was thinking of ISA's but I'm not sure, I've also heard about bonds but I don't really know how they work. I thought I would throw the question out to the forum before I start going round the banks and building society's. How many ISA's can someone have, as some have limits and can you move money around from one bank to another??

so far its been raining where i live (Cambridgeshire) since 2 this afternoon. heavy rain, thunderstorms. My garden is flooded, my pond is overflowing. I think i'm going to look for some wood and build an ark - anyone care to join me?

I was considering scrapping my old vectra and buying a new car. the dealership have seemed reluctant to do the deal. I'm not sure why. I've put a small deposit on the new car and had to change some details on my V5 and that stopped the deal going ahead. I now have the V5 back and now have to wait for the new tax disc on my old car so they can photocopy it. No problems there. The problem I do have is they wont propose me to the finance house, they keep telling me the guy is away, they need the V5, they need the tax disc. All of these things are nothing to do with the finance house. Now they have told me to wait until sept to get a 10 reg. The car i want is in stock (still with a for sale sign on despite the fact that i have given them a deposit) so i dont see why they are asking me to wait until sept. They then tell me there is only one person who can propose me to the finance house and he is out and that he has to see me face to face to fill in the forms, then they give me his number and tell me he'll do it over the phone. I am a little concerned about giving this dealer my business but the car i want is sold there and the next dealership that sells Fiat is 70 miles away. Any ideas why they are being so cagey about selling me this car ??? any ideas gratefully received and if anyone reading this is from a car dealership they might know whats going on because i sure as hell don't.

ok I know I am going to probably get a huge amount of stick over this BUT whats the difference between UKIP and BNP ?? I know a little about BNP and how its against immigration and such but are UKIP the same? do UKIP they have the same hard stance against british asians or any other minorities or are they just against the immigration policies? No nasty comments please - just facts if you have them. cheers

Wish me luck I'm off to they gym come tuesday. I gave up smoking one year ago and now i really want to loose the weight. I put on half a stone when i stopped smoking, but you add that to the one and a half i want to loose and i'm looking at 2 stone to get rid of. I'm planning 30-45 mins cardio and then 15 mins of weights combined with a sensible diet. I'm on beta-blockers that slow down my heart rate that's the reason for the heavy cardio. Do you have any tips for a gym plan that will help me and any experience of exercise for weight loss that you can pass on? Any tips or ideas are really appreciated. Cheers Guys

I get loads of emails about the above subject and I don't even have the above appendage. I was just wondering - if you got enough of these emails would you consider going for the enlargement? I cant think of any other reason why I should be bombarded with so many of these emails, I have spoken to hubby but he says hes quite happy with the size of his wot-sit, Oh well maybe another year and he may change his mind :))

I have 30 days left on my Norton subscription and I know alot of people don't rate it. Question is - what do I go for when I renew. I have heard Kaspersky is supposed to be good, but I would like more opinion's please. Are there any others that are being used that you could recommend ?

Cheers Guys

I am helping a company to enter Opening Balances onto a new Sage program and set the program up for day to day accounts and VAT. The problem is they have never done a bank rec. I have the bank statements and I have asked them to start using a cash book for everyday banking and receipts. I have the bank balance for August 1st and they are entering and checking all receipts and cheques for August onwards and recording them in the cashbook. How do I get the Opening balance to enter into sage for August. I'm thinking August 1st balance - any receipts + purchase cheques and D/D that appear in the August period and using that for O/Balance - does this sound right??? Any help would really be appreciated - thanks guys.

I have made 2 purchases on ebay recently and usually when i pay via pay-pal the payment goes through straight away. The 2 payments i have just made are now going to take a week. Is this just my pay-pal or has anyone else found this. I have recently changed my details by taking my credit card off pay-pal after it was used fraudulently, so is this causing a problem? I still have my bank account registered and funds are available. Any thoughts guys ?

We're planning to go on Tuesday and my daughter wants to know if its a good shopping centre. Cheers guys xx

I have had heat rash on my arms since May. I used cortisone cream for about 5 weeks on the doctors advice and no change. One of my workmates suggested a uv light and it cleared up after 3 days use (15 mins in total) Now the rash has come back (about 2 weeks ago) and I really dont want to use the uv lamp again. I'm naturally dark skinned and I am aware of the dangers of uv lamps. So far I have used cortisone, baby lotion, calamine lotion. All no go.I dont use perfumed body wash and I dont use perfumed body lotion. The rash is still really bad. I only get the rash where the sun hits the skin, so I use a very high baby sunlotion and keep my arms covered. Does anyone have any ideas?? My doctor wants me to see a dermatologist, but this is gonna take about 2 months for the appointment to come through and I dont think I can take this for much longer, My arms are so sore. When I was on holiday last year the only way I could get rid of it was oral steriods and I dont like the idea of having to take oral steriods every summer. Any advice would really be welcome xx

I thought I would experiment today and followed a recipe in a cook-book. It was supposed to be a Thai chicken soup. Disaster..... I followed it to the letter but, oh my god it was horrible!!. Tea is now sandwiches and tinned fruit LOL

I know this question has been asked previously (about 10 months ago) but we are now 10 months further along and still no word from social services and the police as to when they will charge the McCanns. Does anyone know if they are to be charged or have got away with neglect ??

I am scared stiff of clowns, never been to the circus, cant watch an advert with clowns in, have to cross the street if I see one - pathetic I know.

I work with someone who hates bananas - the smell, the look of them. He cant even walk past them in the shop.

Whats your phobia??

Do you know if there is a link between early menopause and egg donation. I donated eggs twice and never regretted it, but I have heard that menopause happens when you run out of eggs. Do we only have a set amount of eggs through our child bearing years or is the amount of eggs linked to hormone production?? IE born with for example 10,000 eggs so menopause will be at such and such a time BUT I have given away - lets say 50 - so have I bought forward my menopause by giving these 50 away. Just curious and all sensible answers most welcome.

Long shot I know -but I read a book many years ago. it was horror and it was set in an old fairground- i would love to know the title and author. Any ideas guys - Cheers xx

Do the people in Austrailia see a full moon at night as well ?

Beijing promised that they would make sure the air was cleaner b4 the olympics - but according to the World Health Organisation it hasnt really improved. Do you think its right for the marathon and cycling events to go ahead when there is a real danger for those taking part??

I have been looking at the vibration exercise machines - have any of you bought one of these and does it work? or am i just going to waste a lot of money if i buy one ?