Fixed Rate Bond

[smurfchops]

After all the fiasco with Northern Rock I am a bit worried about opening a fixed rate bond, if anything happens to the bank or building society when they have my money !! Is it safest to invest a maximum of �35,000 into any one company ??

[graceg07]

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[dancecaller]

Well that's what I do. The limit is doubled if you have a joint account
e.g. if one person had �30,000 in a single account and the other had �2,000 in their own name and you bothe had a joint account of �60,000 you would each have a �30,000.
Of your �60,000, �35,000 would be guarenteed.
All of your partners �32,000 would be guarenteed.

Of course, there might be tax reaasons for having it one name or the other

[dancecaller]

Sorry, half a line got lost. I meant to say
"and you both had a joint account of �60,000 you would each have a �30,000 share of the joint account. "

Of your �92,000 only �67,000 would be guarenteed

[smurfchops]

Thanks dancecaller