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www.insideHALTON.com · OAKVILLE BEAVER Thursday, October 25, 2012 · 24 Follow Oakville Beaver staff on Twitter @OakvilleBeaver or @NewsHooked @DavidLea6 @DominikKurek @BeaverSports or @Halton_Photog Use retirement planning tools Continued from page 22 11 Critical Home Inspection Traps to be Aware of Weeks Before Listing Your Home for Sale Halton & Peel Region - According to industry experts, there are over 33 physical problems that will come under scrutiny during a home inspection when your home is for sale. A new report has been prepared which identifies the eleven most common of these problems, and what you should know about them before you list your home for sale. Whether you own an old home or a brand new one, there are a number of things that can fall short of requirements during a home inspection. If not identified and dealt with, any of these 11 items could cost you dearly in terms of repair. That's why it's critical that you read this report before you list your home. If you wait until the building inspector flags these issues for you, you will almost certainly experience costly delays in the close of your home sale or, worse, turn prospective buyers away altogether. In most cases, you can make a reasonable pre-inspection yourself if you know what you're looking for, and knowing what you're looking for can help you prevent little problems from growing into costly and unmanageable ones. To help homesellers deal with this issue before their homes are listed, a free report entitled "11 Things You Need to Know to Pass Your Home Inspection" has been compiled which explains the issues involved. To order a FREE Special Report, visit www.costlysellermistakes.info or to hear a brief recorded message about how to order your FREE copy of this report, call toll-free 1-888-247-1216 and enter 1003. You can call any time, 24 hours a day, 7 days a week. Get your free special report NOW to learn how to ensure a home inspection doesn't cost you the sale of your home. This report is courtesy of Matthew Tamburello, Sales Rep. iPro Realty Ltd., Brokerage. Not intended to solicit buyers or sellers currently under contract. CopyrightTM2012. That is not necessarily true. Our debt free individual does have a liability called retirement. Money will be needed to pay for retirement just the same as money was needed earlier in life to pay off the mortgage on their house. Individuals can be more focused on how to pay down that future debt by thinking of future retirement cash flow needs as debt. There are many issues to consider. How much can you save from current income? What target return is needed to grow your investments sufficiently to meet your future needs? Can you save money by doing things differently and more economically both now and during retirement? One reason many homeowners were successful in paying down their mortgage is that they knew exactly what they owed. That same clarity should apply to retirement planning, but it will take some effort. Our recommendation is to do a little retirement planning. Start by estimating your cash flow requirements during retirement. You will not know the exact amount of future costs but an educated guess is a good starting point. Then just do the math which in today's terminology would mean using retirement planning software. Do this yourself if you have the interest and ability or ask your financial advisor. We encourage you to consider your retirement cash flow needs as a debt. Then focus on how best to pay that debt. -- Submitted by Peter Watson, MBA, CFP, R.F.P., CIM, FCSI. Cut your insurance costs. Combine car and home plus life. Some insurance companies let you combine car and home coverage. But not all can save you money the way RBC Insurance can. Save an average of $695 per year on coverage for your home and more than one car, plus term life insurance ­ essential protection for your family. ® * To get your quote, call 1-877 ROYAL 4-3, go online at rbcinsurance.com/save or visit your local RBC Insurance store. At the Olde Oakville Marketplace At Prince Michael Drive off Dundas Street East TM I HOME I AUTO I LIFE I HEALTH I TRAVEL I BUSINESS I RETIREMENT I Home and Auto Insurance is underwritten by RBC General Insurance Company or RBC Insurance Company of Canada. Life Insurance is underwritten by RBC Life Insurance Company. ®/TM Trademark(s) of Royal Bank of Canada. Used under licence. This offer is only available to residents of Canada. As a result of government-run auto insurance plans, RBC Insurance does not provide auto insurance in Manitoba, Saskatchewan, and British Columbia. Value of multi-product savings are off of our standard rates. Each product must be separately underwritten. *$650 is the average total savings for RBC Insurance clients in Canada on home and auto insurance when more than one vehicle is insured. $695 is the average total savings for those same clients when they also purchase a new Term 10 or Term 20 or Term 100 life insurance policy. The savings is only applied to the cost of insurance. This offer is only available for new Term 10 or Term 20, or Term 100 life insurance policies purchased by current "in force" Home and or Auto insurance policy holders and their spouses. This offer can't be combined with any other offer. Certain conditions apply.