F I Nowt wrong with being positive why invest otherwise . But my thinking is lack of trust with all or most banks . I think it will be more years awaiting good trust sentiment.
Victor ! ! ? . Hardup you know wot I was trying to portray say . I think , its hard work sometimes, Spoons was packed today there shares bit pricey for me although way down , might get a dozen or so , lol .
Going out in a hour = spoons and shopping lol . The 7 years I mentioned is graduated inside that . Plus risk free . But only a suggested view not advice .
If this helps and your over inheritance tax ! Open up joint accounts with building society's in each kids names and survive by 7 years " keep hold of the passbook" automatically the kids wonga nowt to declare .