Kyte Securities

Advantages: An easy method of including commodities in your investment portfolio
Disadvantages: ETFs and ETCs are a new idea, commodity investment always has been risky

...ETF Securities (http://www.etfsecurities.com/) is a Jersey (UK) based company that can give private investors exposure to commodity markets. It issues shares called 'exchange traded funds' or ETFs that track commodity prices. You can buy ETFs that track gold, silver, platinum, iron, oil, corn, wheat or even lean hogs, or ETFs that track agricultural indices or hold a range (a 'basket') of commodities. Such ETFs are also known as ETCs or 'exchange traded commodities'. Until ETCs were introduced it was very difficult for retail investors to get direct exposure to commodity markets. Why invest in commodities? Before continuing, any reader must accept that this article cannot be used to provide investment advice, and nothing stated here should be taken as such. Anybody thinking of investing in commodities should understand that... Read review

Ciao members have rated this review on average very helpful

Advantages: Average APR, good cashback, no fee
Disadvantages: Worrying lack of security and constant sales pitches

...**Update** I cancelled my MDSW card in June and yesterday (2nd August) I got another sales call from them offering me card protection, again the security question was the first line of my address. I've finally after much shouting managed to get myself removed from their call list. ************************************************************************ I have grave concerns over the security measures used by the company and the sales staff who have pestered me trying to sell me card protection, and were extremely slow in approving and sending me the card. I first applied for the Morgan Stanley Dean Witter Card when I started my first Graduate job. Let me set the scene. First job on a proper salary after graduation, huge bills on my HSBC card, working for a month before being paid (a standard picture for many people of my age... Read review

Ciao members have rated this review on average helpful

Advantages: Quick and Easy, Lots of banking features.
Disadvantages: Security problems meaning some functions are disabled.

...the service centre and they will ask you a range of security questions. Then after clearance, they will unlock it there and then. One thing that is becoming a major biggy is the people trying to get users of online banking security details. They do this by sending an email. This has become such a concern, NatWest sometimes bars its existing customer from making new payment transfers to other accounts. This is until the emails reduce and the security threat has been reduced. I strongly recommend online banking. But remember to keep your details secure AND NEVER SEND YOUR DETAILS TO ANYONE ELSE. THESE ARE PERSONAL DETAILS AND NO-ONE ELSE NEEDS TO KNOW THEM. If you have any questions on this review or on Online Banking, please feel free to contact me on: samrbrimble@hotmai.com Sam Brimble... Read review

Ciao members have rated this review on average helpful