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Cover stories in a second-quarter 2012 book of Personal Finance magazine.

What to review in a latest book (volume 51) of PERSONAL FINANCE MAGAZINE:

FEATURES

What destiny for policies that boost your medical cover?

Insurance products such as opening cover, top-up cover and sanatorium income skeleton offer ways to conduct a disproportion between your medical losses and what your medical intrigue pays, though they might not be around for most longer in their stream forms.

Don?t count on a well-spoken retirement plan

Retirement formulation is customarily formed on projected annual earnings that have been flattened out by averaging. In reality, a peaks and valleys of opening can play massacre with your expectations.

Your payments choices

We run by a opposite forms of grant open to we when we retire: those that leave we exposed to flighty markets and those that pledge we a unchanging income for life.

The 75% comfort section is a myth

The formula of a consult plea a widely hold perspective that if we aim to yield a grant equal to three-quarters of your final salary, we will be means to say your customary of critical in retirement. The investigate shows that your singular resources can't be ignored.

10 pitfalls we should equivocate when drafting a will

Badly drafted and executed wills can means all sorts of problems. That is because DIY wills and those finished by fresh drafters should be avoided. We list 10 common pitfalls that ambuscade a unwary.

What we can design to compensate for a will

We demeanour during what services are accessible and what we can design to compensate a trust association or lawyer.

Winning supports that might be right for you

What can a Raging Bull Award winners offer you, as an investor? We demeanour during their mandates and philosophies and a needs they aim to meet.

Securing a satisfactory understanding for you

Financial recommendation ombud Noluntu Bam, in a news recently for her rulings opposite advisers whose clients mislaid income in unsuccessful property syndications, is a lady on a mission. ?I go to bed any night meaningful that, by my team, we have done a disproportion in someone?s life,? she says.

Holiday homes get a break

Tax service for transferring a home out of a association or trust and into your possess name has been extended to delegate residences. Our taxation expert, Anthea Scholtz, elaborates.

OUR COLUMNISTS WRITE

BRUCE JACK ON WINE: Abreast of a consumer.

Instead of following well-worn unfamiliar paths, we are during final essay to make wines that are an authentic countenance of what it means to be South African.

DAVID SYLVESTER ON THE SHARE MARKET: On a organisation foundation.

An research of 3 JSE shares is an instance of how we can weigh any blue chip we cruise adding to your portfolio.

JO-MARIE RABE ON ART: Bowing to Stern.

Irma Stern?s paintings are mostly in a news as they fetch ever-higher prices on auction. Why has a art marketplace depressed in adore with her?

LAURA DU PREEZ ON THE INTERNET: Order out of chaos.

A record-keeping complement will safeguard that you, or your family, can find critical information about your property, finances and health in an emergency.

MARGARETE KING READS THE FINE PRINT: Guard?s gift

SAGIE MOODLEY ON CARS: More than we discount for.

The claims done in advertisements for inexpensive car servicing unequivocally are too good to be true.

TELFORD VICE BACKCHATS: Gainfully unemployed.

In hunt of a remunerative and fulfilling career? Quit your full-time job.

Plus ? Personal Finance?s extensive DATABANK. 18 pages of all a contribution and total we need to conduct your personal finances: Unit trust opening tables, PlexCrown Fund Ratings, stream taxation tables, seductiveness rates and payments tables.

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Our normal cover cost is R29.95. You can save 20% or 15% depending on your subscription term:

* Eight issues (over dual years) for R192 instead of R239.60 (a saving of 20%); or

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These offers are current until 20 Jul 2012

(Postage is giveaway to RSA addresses only. International postage rates: R223 for 4 issues and R447 for 8 issues.)

RENEW YOUR SUBSCRIPTION AND SAVE 25% ON THE COVER PRICE

* Eight issues (over dual years) for R180 instead of R239.60; or

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These offers are current until 20 Jul 2012

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TO ADVERTISE IN PERSONAL FINANCE MAGAZINE

* Peter Roos: 021 488 4339 or peter.roos@inl.co.za

* Marita Schoonbee: 011 639 7193 or marita.schoonbee@inl.co.za

EDITORIAL INQUIRIES

Margarete King

Telephone 021 488 4187

Email margarete.king@inl.co.za

PO Box 56, Cape Town 8000

Fax: 021 488 4119

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