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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, September 26, 2013 | 22 To Our Valued Customers In our upcoming Real Canadian Superstore flyer effective this Friday September 27th until Thursday October 3rd, 2013. The retail of Haier 32" LE32F2220 LED HDTV (NG 539909) was advertised incorrectly as $117.00 - Limit 2 after limit $248.00. This was an error. The correct retail should read $177.00 - Limit 2 after limit $248.00. WE APOLOGIZE FOR ANY INCONVENIENCE THIS MAY HAVE CAUSED I Stay away from the one-age-group-fits-all strategy Dollars & Sense Peter Watson Guest Contributor f you are being given a one-age-group- ts-all strategy, perhaps it's time to look for another nancial planner. My conversation with a young man whose questions were different from those in pre-retirement and retirement years reinforces this point. Not only were his questions typical of someone his age but more questions needed to be asked to meet his unique individual needs. Should he buy a house or rent? What is the strategy for accumulating a down payment or the option of taking this from his RRSP? How should his RRSP be managed? What investments should he make? Should he have one adviser or split the RRSP between several rms? Every question asked triggered several more needed to be asked -- this is natural during the course of a nancial planning conversation. His questions were simple and the answers could have been short, such as "for someone your age you should be doing this." Unfortunately , this one-age-group- ts-all answer is unsatisfactory. A strategy for this young man should be speci c to him and not just to others like him. Any thorough nancial strategy should be preceded with a discovery conversation. What are your needs, wants and preferences? What are your values and what is the outcome you hope to accomplish. For example, the own or rent accommodation question needs to be answered. Does this young man prefer to rent or own? What can he afford and what are his risks? Financial risks include the potential of increassee Good on p.23 MY NISSAN . MY DRIVE . T THIS HIS I IS SM MY YW WAY AY O OF FG GETTING ETTING M ORE. FOR LESS. MORE SPECIAL INTRODUCTORY OFFER OFFER The All-New 2014 NISSAN NISSAN VERSA VERSA NOTE NOTE BEST-IN-CLASS TOTAL INTERIOR VOLUME $ 78 0.9% AT APR BI-WEEKLY PER MONTH FINANCE FROM FOR 84 MONTHS FREIGHT AND FEES INCLUDED $0 DOWN · STARTING FROM $13,699 1.6 SL T Tech ech model shown CLEAROUT DRIVE 2013 FINANCING 0 % FOR UP TO 84 MONTHS OR $ 13,000 UP TO ON OTHER SELECT 2013 MODELS IN CASH DISCOUNTS AVAILABLE AVAIL ABLE INTUITIVE INTUITIVE ALL ALL WHEEL WHE EL DRIVE DRIVE The 2 2013 013 NISSAN ROGUE B BEST-IN-CLASS E S T- IN - CL ASS C COMBINED OMBINE D F FUEL UE L E ECONOMY CONOMY* The 2013 N NISSAN ISSAN S SENTRA E NTR A SL AWD model shown ON OTHER SELECT ROGUE MODELS · STARTING FROM $25,862 0% 84 $5,000 APR FOR UP TO MONTHS $ ON ROGUE S FWD 88 0% AT BI-WEEKLY FINANCE FROM APR PER MONTH FOR 84 MONTHS OR GET CASH PURCHASER'S DISCOUNTS FREIGHT AND FEES INCLUDED · STARTING FROM $ $15,949 15,949 $0 DOWN 1.8 SR model shown OFFER ENDS SEPTEMBER 30 . FIND YOURS AT CHOOSENISSAN.CA OR YOUR LOCAL RETAILER TH Finance offers are now available on new 2013 Rogue S FWD (W6RG13 AA00), CVT transmission/2014 Versa Note 1.6 S (B5RG54 AA00), manual transmission/2013 Sentra 1.8 S (C4LG53 AA00), manual transmission. Selling Price is $25,862/$13,699/$15,949 financed at 0%/0.9%/0% APR equals 182 bi-weekly payments of $128/$78/$88 for an 84/84/84 month term. $2,500/$0/$0 down payment required. Cost of borrowing is $0/$441.36/$0 for a total obligation of $25,862/$14,140/$15,949. $500/$1,250 NCF Finance Cash included in advertised price, applicable only on 2013 Sentra 1.8 S (C4LG53 AA00/C4LG53 BK00), manual transmission/Versa Note 1.6 S (B5RG54 AA00/B5RG14 AE00) on finance purchases through subvented loan contracts only through Nissan Canada Finance. This offer cannot be combined with any other offer. Conditions apply. 13,000 cash discount is valid on all 2013 Titan models except the Titan 4X2 King Cab S SWB (1KAG73 AA00)/ $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) when registered and delivered between September 4th, 2013 and September 30th, 2013. The cash discount is only available on the cash purchase, and 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/$13,699/$15,949 Selling Price for a new 2013 Rogue S FWD (W6RG13 AA00), CVT transmission/2014 Versa Note 1.6 S (B5RG54 AA00), manual transmission/2013 Sentra 1.8 S (C4LG53 AA00), manual transmission. $500/$1,250 NCF Finance Cash included in advertised price, applicable only on 2013 Sentra 1.8 S (C4LG53 AA00)/C4LG53 BK00), manual transmission/Versa Note 1.6 S (B5RG54 AA00/B5RG14 AE00) on finance purchases through subvented loan contracts only through NCF. This offer cannot be combined with any other offer. Conditions apply. Models shown $36,282/$20,719/$21,649 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 Sentra 1.8 SR (C4RG13 RT00), CVT transmission. Freight and PDE charges ($1,750/$1,567/$1,567), 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 September 4, 2013 and September 30, 2013. *Fuel economy from competitive intermediate/compact 2013 internal combustion engine models sourced from Autodata on 13-12-2012. Hybrids and diesels excluded. 2013 Sentra fuel economy tested by Nissan Motor Company Limited. Sentra: CVT transmission (4.9L/100 KM HWY/6.6L/100 KM CITY/5.8L/100 KM COMBINED), manual transmission (5.5L/100 KM HWY/7.5L/100 KM CITY/6.6L/100 KM COMBINED), CVT model shown. Actual mileage will 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. 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. OAKVILLE NISSAN 2316 South Service Road West, Oakville, ON Tel: (905) 827-1177 www.oakville.nissan.ca