Play your cards right

Credit card interest rates are on the up - the Lloyds TSB cards are the latest - even though many are already over 20 per cent. This highlights the value of switching for people who borrow on their cards - some cards have rates of 15 per cent or less.

Airtours shareholders get 10 per cent off holiday prices. A free guide to this and other investor perks is available from Premier Fund Managers. Call 0800 212577.

Less than one in 10 old people believe the state should be able to use an individual's entire wealth to fund long-term care, according to a survey by PPP Lifetime. Around three-quarters think the state should pay.