I like to pass on these little tips. Hitendra Patel, who trades in Harold Hill in Essex, has passed on numerous nods, tips and winks on the several occasions he has rung (he previously worked as an insurance broker and a chartered accountant). Here's his tip on insurance: when you take out a policy, don't fib about previous claims. "There's an old saying: You can remember the truth. You can't remember your lies."

And here's another on fake notes. "You only get 'Scottish' notes between September and December and the bearer always says they're visiting relatives."

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