We are mostly talking at people rather than with them explaining what happened and where says Hall who

We are mostly talking at people rather than with them, explaining what happened and where,” says Hall, who was angered by the recent raising of the Bluebird, and subsequently the lifting of his body, from the lake bed. “I do accept that once the dive team had given publicity to their re-locating Bluebird then it had to be raised as otherwise it would have been vandalised by souvenir hunters.”But the Swallows and Amazons trips are the most popular, attracting passengers who have an astonishingly intimate knowledge of the books. “I find it amazing on the Swallows cruises that nine out of ten people on board know the names of three pigeons [Homer, Sappho and Sophocles, in Pigeon Post] in a fairly obscure children’s book written 70 years ago,” says Hall.The business has grown, and he employs boat maintenance staff and fellow retired pirates who share his enthusiasms, all living out boyhood dreams ­ among them an ex-lecturer of psychology and a former school head of science Harry Potter, eat your heart out.. I’ve had a cash individual savings account [ISA] with the Woolwich for two years and have put in the maximum £3,000 each year. Quick and easy online searches for all yoursaving needs I’ve had a cash individual savings account [ISA] with the Woolwich for two years and have put in the maximum £3,000 each year.

I still don’t really understand the difference between this basic ISA and a more complex one involving shares. Do I get to put more money in if I go for one with a share element? Also, is there that much difference between the ISAs available at one building society and another, and how hard is it to move your ISA from one place to another?
PP, Hackney, LondonSindie says: The difference between cash ISAs and stocks and shares ISAs is that the first invests in cash and the second in equities, corporate bonds or unit and invest-ment trusts. You can hold £3,000 each tax year until April 2006 in cash, and invest up to £3,000 in shares with a mini ISA or £7,000 with a maxi ISA You can’t take out a mini and maxi in the same tax year. If you are investing for the short term, cash is the best home for your money, but if you are investing for five years or more you would be better off in equities, which are far more likely to achieve higher returns in the longer term.Cash ISAs from different banks and building societies do vary. Not only do interest rates differ but there are two types of cash ISA. The first is CAT-marked (low cost, easy access, simple terms). CAT-marked ISAs usually have a minimum transaction of £10 (in some cases this is as low as £1) and no charges.

They allow you to make withdrawals within seven working days or less, and have an interest rate of no lower than 2 per cent below the base rate (upward rate changes must be made within a month of any corresponding base rate change). Non CAT-marked ISAs usually impose tighter restrictions on when you can withdraw money.Transferring ISAs is easy and in your case I would recommend it as the Woolwich isn’t paying the highest rate at the moment.I am expecting my first child and would like to know the best way to invest for its future. I know there are baby bonds but are there any other investment choices? We would like to save about £50 a month and leave the money there until the child is 18.RM, by emailIf you want to invest for 18 years, you are likely to get a better return in equities than if you were to put the money in, say, a building society account. Equities can be risky, however, and a good way to offset this is to invest through a collective fund, such as a unit or investment trust. I would advise investing in a diversified fund, such as a large international investment trust ­ for example, the Foreign & Colonial Investment Trust or the Witan Trust.An advantage of this option is that charges will be very low.