| Liberty Monthly Communication |  |
November 2010 |
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The world is reeling from over indebtedness but it's exactly this debt that fuels economic
growth. Countries that have high levels of household and government debt will have to focus
on other sectors of the economy in order to deliver growth.
Locally, the strong rand debate rages on as policymakers grapple with how to reign in the rand and what the right exchange rate should be. Although mining and manufacturing sectors are struggling, households are benefiting from the lower rate of inflation, which is a result of strong currency. Find out more in our local and global economic reviews. |
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The festive season is just around the corner and retailers have laid their plans to separate you from your cash. Now is the time to create your own plan on how you will make it through the silly season without derailing your long-term financial strategy. In the article Your end-of-year plan, we give you some financial strategies to counter the retailers' onslaught. January is a very tough month financially (and emotionally as we return to work). In the article Plan for January, we look at how you can prepare and budget so that this January does not turn out to be the usual financial nightmare. November is the month when you will be informed of your medical contribution increases. You can expect increases of double to triple the rate of inflation. Medical costs will continue to outstrip your salary increases so we have given you some tips on how to keep your medical costs down in the article Cutting medical costs. |
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This month, our theme at Liberty is Surviving the Festive Season. To read more articles that will help you to empower yourself financially, go to http://www.liberty.co.za/news-and-views/consumer-articles/Pages/consumer-articles.aspx |
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Thank you for the feedback we have received on these newsletters so far. Your comments and suggestions will help us to give you relevant information for planning and managing your finances. Please keep talking to us and telling us what you think! You can email your comments to [email protected] Kind regards Steven Braudo Chief Executive Officer: Liberty Retail SA |
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Global economic review
STANLIB economists Kevin Lings and Laura Jones discuss the implications of a world that has taken on too much debt and what that means for future economic growth. Read more. Weekly economic updates
The Weekly Focus is a commentary on markets, economies and investments prepared by Paul Hansen and Kevin Lings of STANLIB. You can read the latest developments every Tuesday by following the link on www.stanlib.com |
Local economic review
Liberty Economist, Tendani Mantshimuli, looks at the latest SA Reserve Bank Quarterly Bulletin. Read more. Investment portfolio information
Investment portfolios offered by Liberty: performance, risk profiles, asset allocation. Click here. Online Policyholder Servicing
Download tax certificates, view policy values and other information, update your details. Click here. |
Avoiding the end of year debt trap
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"Liberty Group is an Authorised Financial services Provider in terms of the FAIS Act (Licence no. 2409). The information contained in this communication, including attachments, is not to be construed as advice in terms of the Financial Advisory and Intermediary Services Act of 2002 ("FAIS") as the writer is neither an appointed representative of Liberty, nor a licensed financial services provider as contemplated in FAIS. Please consult your financial adviser should you require advice of a financial nature and/or intermediary services." |