Ok thanks mate.Mark.

Thanks Richard,So guaranteeing a debt IS the same as having the debt in your own name, contrary to what the book says??

Thank you so much to all for your input. A lot of food for thought.Angel, an enormous amount of info, very decent of you, thanks Regards,Mark.

Hi sdem,At this stage I can only return to the workforce when I am cleared to do so by my doctors, which will be some time off, if at all. Hence the need to do something creative with my cash to create an income in order to supplement the small continuing insurance payments. Retraining at this stage is not an option. Thanks for your interest.