Personal: Loose Change

THE IFA, the David Aaron Partnership, has published its 27-page A4 Guide to Tax-Free Income from Individual Savings Accounts, that analyses the best corporate bond ISAs. It is free (pounds 2 p&p) from Shelton House, High Street, Woburn Sands, Milton Keynes, MK17 8SD.

NORTHERN ROCK is launching a Guaranteed Capital Bond offering returns of up to 8 per cent annualised over three or five years, linked to FTSE 100 index performance. If it does not fall between certain specified dates against a benchmark, the full interest is paid. If it does fall, investors will get their full capital sum back. Call 0845 6004466.

COVENTRY BUILDING Society is improving ISA rates to existing members. Its Privilege ISA will pay 7 per cent tax free to those of more than five years' standing. Or it is offering a Privilege Saver non-ISA account for members who don't need another cash ISA. Call 0845 7665522.

PREFERENTIAL DIRECT, is offering visitors to Virgin Net a 5 per cent discount on travel policies bought in August. See www.virgin.net.shopping