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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, August 29, 2013 | 18 Planning for post-secondary funding should start sooner than later continued from p.13 No longer are parents only hoping their children will pursue a university education or achieve the required high grades. The most difficult part of getting a university education for many Oakville families is determining how to pay for it. Tuition, housing, food and entertainment are costly. Our world has become a very expensive place and education is most certainly a good example of that. While you are parenting your young children about setting academic goals, it may be useful to follow your own guidelines. Setting goals with children What is your goal regarding the cost of that extended education? How much should a child contribute from summer earnings during university or savings in the years before? What grants or loans are available and what level of student debt is appropriate for a university graduate to assume? What is your family decision on assisting with a second degree? These decisions reflect family values and family finances. Your children should be involved in these discussions. Children should know what is ahead of them so they can plan accordingly. Begin the thought process early It is useful to begin the thought process as early as possible so parents have an idea of how to handle the costs. A university education is big business for most families. The pressure of investing a lot of money is always lurking in the background as your child puts forth both the effort of getting accepted into university and then completing his or hers degree. Consider this a family effort under the leadership of both parents with the children becoming more involved with the process as they mature. It is a big investment of time, effort and money. We strongly encourage parents to think now about the financial burden of a university education. That thought process is best if it is started sooner rather than later. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner MY NissaN sales eveNT FINANCING 0 84 % FOR UP TO MONTHS± TAKE ADVANTAGE OF ON SELECT ROGUE MODELS SL AWD model shown 1.6 SL Tech model shown 3.5 SL model shown AVAILABLE INTUITIVE ALL WHEEL DRIVE FINANCE A 2013 NissaN ROGUe FOR UP TO BEST-IN-CLASS TOTAL INTERIOR VOLUME FINANCE A 2014 NissaN veRsa NOTe AT BEST-IN-CLASS HIGHWAY FUEL ECONOMY FINANCE A 2013 NissaN alTiMa seDaN AT 0% 84 APR MONTHS± $ $ CASH PURCHASER'S DISCOUNTS ON OTHER SELECT ROGUE MODELS $ 5,000 ON ROGUE S FWD OR GET 84 3.9% APR BI-WEEKLY $ PER MONTH 138 1.9% APR BI-WEEKLY PER MONTH FOR STARTING FROM · 25,862 FREIGHT AND FEES INCLUDED · $1,590 DOWN STARTING FROM · $14,949 84 MONTHS FOR FREIGHT AND FEES INCLUDED · $1,998 DOWN STARTING FROM · $25,527 84 MONTHS PLUS CHOOSE FROM * 40 ¢ /L UNTIL 1 2015 OFF GAS or 2 PAYMENTS ON US2 or EXTENDED WARRANTY3 5 YEAR/100,000 KM NO CHARGE CHOOSE QUICKLY. OFFER ENDS SOON. FIND YOURS AT CHOOSENISSAN.CA OR YOUR LOCAL RETAILER ± Finance offers are now available on new 2013 Rogue S FWD (W6RG13 AA00), CVT transmission/2014 Versa Note 1.6 S MT (B5RG54 AA00), manual transmission/2013 Altima Sedan 2.5 (T4LG13 AA00), CVT transmission. Selling Price is $25,862/$14,949/$25,527 financed at 0%/3.9%/1.9% APR equals 84 monthly/182 bi-weekly/182 bi-weekly payments of $278/$84/$138 for an 84/84/84 month term. $2,500/$1,590/$1,998 down payment required. Cost of borrowing is $0/$1,927.96/$1,617.88 for a total obligation of $25,862/$16,877/$27,145. $5,000 Cash Purchaser's Discount is based on non-stackable trading dollars and is applicable to all 2013 Nissan Rogue models except 2013 Rogue S FWD (W6RG13 AA00), CVT transmission. The $5,000 cash purchaser's discounts is only available on the cash purchase of select new 2013 Rogue models (excluding the W6RG13 AA00 trim model). The cash purchaser's discounts will be deducted from the negotiated selling price before taxes and cannot be combined with special lease or finance rates. This offer cannot be combined with any other offer. Conditions apply. $25,862/$14,949/$25,527 Selling Price for a new 2013 Rogue S FWD (W6RG13 AA00), CVT transmission/2014 Versa Note 1.6 S MT (B5RG54 AA00), manual transmission/2013 Altima Sedan 2.5 (T4LG13 AA00), CVT transmission. Models shown $36,282/$20,719/$34,427 Selling Price for a new 2013 Rogue SL AWD (Y6TG13 AA00), CVT transmission/2014 Versa Note 1.6 SL TECH (B5TG14 NA00), Xtronic CVT® transmission/2013 Altima Sedan 3.5 SL (T4SG13 AA00), CVT transmission. ±Freight and PDE charges ($1,750/$1,567/$1,695), air-conditioning levy ($100) where applicable, certain fees (ON: $5 OMVIC fee and $29 tire stewardship fee), manufacturer's rebate and dealer participation where applicable are included. License, registration, insurance and applicable taxes are extra. Finance and lease offers are available on approved credit through Nissan Canada Finance for a limited time, may change without notice and cannot be combined with any other offers except stackable trading dollars. Retailers are free to set individual prices. Offers valid between August 1, 2013 and September 3, 2013. Fuel economy from competitive intermediate/compact 2013 internal combustion engine models sourced from Autodata on 13-12-2012. Hybrids and diesels excluded. 2013 Altima fuel economy tested by Nissan Motor Company Limited. Altima: 2.5L engine (7.4L/100 KM CITY/5.0L/100 KM HWY), 3.5L (9.3L/100 KM CITY/6.4L/100 KM HWY). 3.5L shown. Actual mileage may vary with driving conditions. Use for comparison purposes only. Association of International Automobile Manufacturers of Canada (AIAMC) Entry Level Segmentation. MY14 Versa Note v. MY13/14 competitors. *Offer available to all qualified retail customers who lease, finance (and take delivery), or cash purchase a new 2014 Versa Note//2013 Altima Sedan/Rogue/Frontier/Murano/Pathfinder/Juke models (Juke offer only available in ON), on approved credit, from a participating Nissan retailer in Canada between August 1, 2013 and September 3, 2013. 1Purchase or lease a 2014 Versa Note//2013 Altima Sedan/Rogue/Frontier/Murano/Pathfinder/Juke (Juke offer only available in ON) by September 3, 2013 and you can choose to receive a Preferred PriceTM Petro-CanadaTM gas card redeemable as follows: 40 cents per litre savings applies to 1,750L/2,000L/2,600L/3,750L/2,600L/2,600L/2,600L on 2014 Versa Note//2013 Altima Sedan/Rogue/Frontier/Murano/Pathfinder/Juke. The Preferred Price card is valid on all grades of motor fuel. See Nissan dealer or www.choosenissan.ca for details on the number of litres received per model leased or purchased. 2Offer available only to qualifying retail customers. First two (2) monthly lease/finance payments (including all taxes) will be waived, up to a maximum of $600 (inclusive of taxes) per month. Consumer is responsible for any and all amounts in excess of $600 (inclusive of taxes). After two (2) months, consumer will be required to make all remaining regularly scheduled payments over the remaining term of the contract. This offer cannot be combined with the $5,000 Cash Purchaser's Discount on all 2013 Rogue models except Rogue S FWD (W6RG13 AA00), CVT transmission. 3No charge extended warranty is valid for up to 60 months or 100,000 km (whichever occurs first). Some conditions/limitations apply. The no charge extended warranty is the Nissan Added Security Plan ("ASP") and is administered by Nissan Canada Extended Services Inc. ("NCESI"). In all provinces NCESI is the obligor. See details at www.choosenissan.ca. Offers subject to change, continuation or cancellation without notice. Offers have no cash alternative value. See your participating Nissan retailer for complete details. ©1998-2013 Nissan Canada Inc. and Nissan Canada Financial Services Inc. a division of Nissan Canada Inc. Petro-Canada is a Suncor Energy business. TM Trademark of Suncor Energy Inc. Used under licence. Oakville NissaN 2316 South Service Road West, Oakville, ON Tel: (905) 827-1177 www.oakville.nissan.ca