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www.insideHALTON.com · OAKVILLE BEAVER Thursday, June 28, 2012 · 12 A child's understanding of personal finances can help them the rest of their life Continued from page 11 and adults. A simple conversation about budgeting can lead into other important topics such as saving, spending and investing. With that, move on and teach them about the three stages of life. Ask them to estimate their range of age as a student, worker and finally someone who is retired. This conversation could stay focused on finances, or perhaps it will become a career discussion. Better still, it will evolve into the realization that the ultimate goal is to be financially self-sufficiency where the role of education is to prepare for decades in a financially- and intellectually-rewarding career. The final part of summer learning will be to draw a parallel between the budgeting and spending habits of a 10 year old and a young family to that of organizations. All organizations face the reality and responsibility of financial management. Ask your child to talk about some organizations that need to earn income or cash flow, manage expenses and plan their finances. This could include their sports team, schools, the company you work for or the Canadian federal government. That conversation could go in several directions. A sports team receives donations. Schools receive government money. Your company sells a product or service, therefore, income comes from customers' sales. The federal government taxes people and corporations. Spend some time this summer helping your children understand and manage their personal finances; it will help them for their entire life. -- Submitted by Peter Watson, MBA, CFP, R.F.P., CIM, FCSI. UPSTAIRS Tourcan Vacations has announced a 13-day / 12-night tour through Vietnam and Cambodia, escorted by Carol McCafferty. The tour departs Toronto 06OCT12 on Cathay Pacific to Hong Kong, with connections to Saigon. The tour continues through Danang, Hue, Hanoi, Halong and Siem Reap, returning to Toronto via Phnom Penh and Hong Kong. Highlights of the tour include a visit to One-Pillar Pagoda and Ho Chi Minh Memorial Complex in Hanoi, a boat cruise on the Halong Bay, a visit to the world famous Angkor Temples in Siem Reap, a tour of the Old Imperial City in Hue and a Danang walking tour. The tour includes round-trip airfare on Cathay Pacific, accommodations in first class hotels, most meals, transfers and sightseeing, services of local English-speaking guides for sightseeing and entrance fees to monuments. The tour cost is CAD4,995 per person double plus taxes and fees of CAD520. This is an ideal tour for singles with a single supplement of just CAD895. Never been to Hong Kong? An optional 2-night extension is offered at the end of the tour, with accommodations at the Langham Palace Hotel (Vital Place Room) for just CAD650 per person double, single supplement CAD495. Call us for details. www.tourcanvacations.com Crystal Cruises has introduced a new solo traveller's sale on fall Mediterranean voyages. The solo supplement has been reduced to just 10% on eight 11- and 12-day Crystal Serenity all-inclusive luxury sailings through the Black Sea, Middle East, Canary Islands and the entire Mediterranean. Attractive air add-ons are offered as well. Among Crystal special touches for solo travellers are Ambassador Hosts on every sailing for those seeking a dance partner, assigned seating for dinner in the Crystal Dining Room and "Table for 8", which brings individuals together for friendly shared dining in the specialty restaurants. Contact our office for outstanding single cruise fares. www.crystalcruises.com WE'VE MOVED VIETNAM & CAMBODIA CRYSTAL SOLO FARES Hopedale Mall, 1515 Rebecca St., Oakville t ravel@mctavishtravel.com OR visit www.mctavishtravel.com McTavish Travel · 905.827.1100 Canada Day and Family Day Masjid Noor-UL-Haram 2478 Ninth Line, Oakville Happy Canada Day At Celebrations Sunday July 1st · 11:30am to 4pm Free Entrance & Free BBQ BBQ will be served between 11:30am to 12:30pm Chief Guest : Mayor Rob Burton BBQ Burgers, Hot Dogs, Ice Cream, Candies Clown, Cricket, Basketball, Soccer & Free Balloons World Islamic Mission Canada · 2478 Ninth Line Oakville, ON L6H 7G9 · (905) 257-1342 · wimcanada.com Ont Reg No 1437985 Call us for reservations!