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Looking back and moving forward A new year brings the chance to make a fresh start, a few resolutions, and maybe even some life-changing decisions. Credit crunch, market crises, closures and cutbacks dominated the headlines in 2008. This wasn't just news, but reality: we were all affected by the turbulent events of last year. Things will get worse before they get better: the good news is that, after a slow start, growth prospects will improve towards the end of 2009. Lower interest rates will bring some relief to consumers who have been battling to repay debt. Read more in the attached local economic review. A good time to review your personal finances You may feel anxious about reviewing your finances in this economic climate. Now, more than ever, you should make sure that you have the cover you need. We've attached a short financial checklist to get you started. There's also a financial products overview to help you understand what these products can offer you. Worried about keeping up payments or losing valuable cover? Speak to your financial adviser about your current situation and future plans. Your financial adviser will help determine your financial needs and risk profile so that you have a financial solution which suits you. If you are advised to replace an existing policy, make sure you know how this will affect you. Your financial adviser must tell about any charges, tax implications, penalties and differences in benefits. If you don't have a financial adviser or if you have any questions about your policy, please call us on 0860 456 789 or email [email protected]. Local economic review Liberty Life economist, Tendani Mansthimuli, gives an easy-to-read review of: What happened in the local economy in 2008 The outlook for 2009 What this means for consumers Know what you need This quick checklist will help you review your insurance cover and investment needs. Know what you're buying Choosing a suitable financial product can be overwhelming. This overview of financial products will help you understand what's on offer. We South Africans are optimistic. Let's resolve to look ahead with hope, and to find opportunities rather than challenges, in 2009. Kind regards Steven Braudo Chief Executive Officer: Liberty Insurance