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@!Nhattattack!
All of this is interesting, but none of it is actually that helpful. I don't have money to be investing in things in a way that stock market folk would want. Nor am I that interested in that, it seems like it would eat up more time and interest than I'm willing to give it.
I'm more interested in saving options. I already have a savings account, but I'm interested in what an ISA is and whether it would be a good idea to transfer my savings over to it.
I've tried googling, haven't had that much luck.
And fwiw, i don't think you need to say anything to me about co-operatives.