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Excellent post.

Thanks for the clarification re "Money Market account"!

I presume the term "Money Market" is just a catchphrase? If so, given the recent Market turmoil, this is an unfortunate description of their product.

David McWilliams wrote a piece in yesterday's Sunday Business Post about the risks to Irish banks from the credit crunch. It makes for sobering reading. The piece is available online. (BTW Lloyds TSB is currently rated AAA by Moody's.) The article has prompted me to look into Northern Rock...

Logically Northern Rock should be considered as THE safe haven for large deposits. The reason being, of course, is that the UK Govt now own the bank. The bank has gone from being the most unsafe to being the safest. I understand there was an outcry from Danske Bank when NR recently tried to...

Opened one today, Saturday. The meeting was a formality. Whole thing took about 10 minutes.

Tribal, Have one with Delta. Generally do quarterly trades. Forgot to mention that I normally use a stoploss too. (Just got stopped out of a recent position too. Ouch!)

Sounds good. Hope it goes ahead. Does it qualify as a Share account with EBS? Though this outfit says it is going to remain mutual you never know....

Yes. I have a spreadbet account. But you can't get the dividends this way. Also, in addition to having to be right about the direction of the share you are spreadbetting, you have to get the timing right.

The NIB version is the only one I have any experience of. I have to say I like the Reuters News and research function on it which, as a journalist friend of mine pointed out recently is better than the info they get on their news desk! I've been thinking of getting the so-called "Prestige"...

I've found their online platform to be very poor and misleading. There have been problems trading online - so much so that I now deal with them by phone. There have also been problems with trade reconciliation, which is rather worrying. On the bright side they are generally very helpful...