n Competition for savers is now so strong that First Direct, the telephone bank sister of Midland, will give pounds 20 to people who open one of its Direct Interest Savings Accounts with at least pounds 1,000 before 31 July. The underlying account is not earth-shattering. It pays interest of 4 per cent on a balance of pounds 1,000, 4.75 per cent on pounds 2,500 to pounds 5,000, and 5.9 per cent above that. It also offers just one free instant-access withdrawal a quarter - otherwise it is a 60-day notice account. But pounds 20 is equivalent to an interest-rate bonus of 2 per cent on pounds 1,000, and there is nothing stopping savers from opening an account, getting the pounds 20 (credited within seven days), and using their one free withdrawal to move elsewhere. Phone: 0800 482448.
n Insurer Prospero Direct has produced a free pamphlet, "Motoring Abroad", which includes details of documents you should take, differences in law, and speed limits. Phone 0500 500575.
n NatWest has produced a free guide, "Helping you manage when someone dies", aimed at assisting relatives and friends with sorting out the estate of the dead person. Phone 0800 919328.
n Hastings Direct has a free guide, "What to look for when buying a second-hand car", which includes legal rights and tips on dealing with insurers. Phone 0800 001066.Reuse content