You can now invest in US shares with just $50. Stake, an online broker that offers access to the US sharemarket, has lowered its minimum investment amount from $500 to $50. ING has introduced a transaction account aimed at teens. Available for those aged 15 to 17, the Orange Everyday Youth account has no monthly fees. Any ATM fees in Australia and overseas will be rebated, and the same goes for transaction fees on international purchases. Teens who link their account to ING’s Savings Maximiser will get 2.80%pa interest on their savings. A new travel insurance product has hit the market and it will pay claims in “real time”. With Real Time travel insurance from TravelCard you buy a policy and a card is posted out to you. If you lose your luggage, you have to register it with your carrier and the lost luggage department at the airport, and then contact TravelCard. Within a matter of minutes funds to purchase emergency items will be placed on your card for you to withdraw until a lost luggage claim is able to be made.