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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, June 27, 2013 | 18 Reviewing the past and looking into the future of the investment world continued from p.14 looked for discussion. There are many topics to be covered in the upcoming months because the investment industry is going through significant changes. New rules are being implemented to foster improved communication and disclosure to individual investors. This will include better disclosure of fees. Will Canada change the adviser-client relationship to that of `fiduciary', which is a higher standard of care than what is now required from an investment adviser? This revision would be similar to the professional relationship between a client and their accountant or lawyer. In my opinion, the importance individuals place on investing combined with the complexity of investing requires everyone to have a higher standard of care. A fiduciary relationship raises the importance of the clients' well-being. That alone would require many changes to the investment business. It has been a pleasure writing this column. 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Finance Charges will accrue on the purchase from the beginning of the credit promotional period of 12 months, but no minimum payments will be due during the credit promotional period. However, if you pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be waived and no Finance Charges will be assessed on the purchase. Otherwise, all of the accrued Finance Charges will be assessed. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 29.99% and the terms of the regular credit plan will apply to all outstanding balances owing. Certain terms and conditions apply. See store and Account Agreement for further information.Previous purchases excluded. Cannot be combined with any other promotion or discount. Discount offers exclude Stearns & Foster®, Embody by Sealy, Serta and Ashley Sleep mattresses, floor models or clearance items, sales tax, furniture protection plans, warranty, delivery or service charge. SEE STORE FOR DETAILS. Although every precaution is taken, errors in price and/or specification may occur in print. We reserve the right to correct any such errors. Prices valid for a limited time only. HomeStores are independently owned and operated. ©2013 Ashley HomeStores, Ltd. Expires 07/08/2013 VACATIONS TO BELIEVE IN of religious significance for centuries. Today, with escorted tour companies Globus and Cosmos, these faith-based journeys combine piety with historic and cultural curiosity, making the experience spiritual, yet convenient and simple to book. Since 2005, Globus has featured faithbased vacations throughout Europe and the Middle East for people who are seeking "more intimate, personal experiences" of their faith. 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