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t is extremely important to determine who will make decisions for you if you are no longer able to do so. Your inability to act on your own could come from an accident, illness or just old age. You need a trusted person to help in the event you are incapacitated and cannot pay your bills, handle your investments or provide instructions for your healthcare -- this can be achieved through the use of powers of attorney. There are two types of powers of attorney in Ontario. The first is dedicated to property and allows one or more people to make financial decisions on your behalf, such as banking decisions, paying bills or buying and selling investments. The second is personal care. In this case, one or more individuals make decisions about your medical care, where you live and what you will eat. Choose wisely when naming your power of attorney: Watson 11 · Thursday, February 9, 2012 OAKVILLE BEAVER · www.insideHALTON.com I these situations can and do occur. There must be a high level of trust in whom you select as a power of attorney -- there are help kits from the Ontario Ministry of the Attorney General or you can consult a lawyer. The difference between the two is cost. The legal fee will allow you an opportunity to discuss your wishes as well as the advantages and disadvantages of people you might select. An appointment with a lawyer could also include a more comprehensive conversation about your will, which might include preparing a living will. We encourage you to have powers of attorney for both property and personal care, but think carefully about who you choose to act in those capacities. -- Submitted by Peter Watson, MBA, CFP, R.F.P., CIM, FCSI. Dollars & Sense By Peter Watson Small price. Big reward. · Absolutely stunning HD picture quality · Exclusive Whole Home PVR: Record as many as 4 shows at the same time, and play them back from up to 6 TVs in your home1 · Huge selection of HD titles On Demand · Access services such as Facebook® and Twitter right from your TV 2 · Plus, Fibe TV is delivered through our fibre optic network,3 no dish required. TM The power of attorney is your written delegation of important decisions made during your lifetime. It has nothing to do with a will, which dictates decisions to an executor after you die. Executors have no legal power to act on your behalf while you are alive -- the one exception being if the same person was acting as both your executor and attorney. You should think seriously about adding a power of attorney for both property and personal care if you do not already have them. It is critical to think carefully about who should assume this important responsibility. Select people you trust and who would have your well-being as their priority. Last Wednesday, the front page article of The Oakville Beaver reported an 88-year-old mother was left homeless after being defrauded by her son. While this case is an exception, FIBE TV WHOLE HOME PVR RENTAL $ All monthly fees included. Installation fees apply.4 13 86/MO. for 36 months BONUS: Choose to own it afterwards at no additional charge.5 Available at the following Bell stores: Oakville Hampshire Gate at Dundas 905 829-9001 Oakville Oakville Place 905 845-3080 Offer ends February 18, 2012. Available to residential customers in select dwellings in Ontario where technology and access permits. As of December 10, 2011, e-bill will be provided at no cost and paper bill will be available for $2/month. The paper bill fee will begin appearing on your next bill. Visit bell.ca/mybell to switch your monthly billing from paper bill to e-bill at no cost. Receivers may be new or refurbished at Bell's choice. 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(5) If you rent for 36 consecutive months, you may choose to take title to and own the receiver by notifying Bell TV within 30 days of receiving your final invoice. You may terminate your rental at any time without termination fees provided you return the receiver. Early termination fees may apply to the programming portion of your account if you also terminate your programming. Receiver warranty of 39 months. Facebook is a registered trademark of Facebook, Inc. Twitter and the Twitter marks are trademarks of Twitter, Inc. Fibe is a trademark of Bell Canada.