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Good financial-planning questions are critical in determining what you want to achieve continued from p.22 ing mortgage rates after the initial mortgage term expires, which is often within five years. How secure is his earning power? On a creative side, is it advisable to rent a part of the house so the revenue can help pay down the mortgage? That conversation can lead to how mortgages are often amortized over 25 years. A 25-year mortgage will require regular mortgage payments for 25 years. Very little mortgage principal is paid down during the initial years with normal payments, so rental income can be extremely helpful if it is used to reduce the mortgage debt. Would this young man be comfortable sharing living space with someone else? If so, the layout of the house and the type of tenant needs to be considered when house hunting. Questions and answers are not just financially focused. The theme of the conversation revolves around uncovering options most suitable to his specific needs. As you can see, his questions determined the direction of the conversation. They were a reflection of the options this person would want to consider so he can begin planning the next few years of his life. Decisions about how you want to live your life need to be answered first. Then investment recommendations should be tailored to meet your needs, not your age group's needs. Yes, there were financial aspects to the conversation but most of the discussion focused on decisions he wanted to make about his life. Specific financial decisions can be more accurate once that direction is determined. The important lesson here is that a foundation needs to be laid before the financial aspects of any person of any age can be discussed. That is a combination of personal preferences and financial resources. First decide what is important to you as an individual, then proceed with financial strategies to help you achieve those objectives. It is all about you. Financial planning is just one tool you can use to fulfill your dreams. A good financial planning conversation will have many questions -- critical in determining the specifics of what you want to achieve. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner 23 | Thursday, September 26, 2013 | OAKVILLE BEAVER | www.insideHALTON.com ZIN OUR AMA G WE DELIVER NOW! FREE 1 CHICKEN PC with purchase of any 2, 3, or 4 PC Combo at regular menu price. Mild or Spicy IS BACK! Biscuit f Reg. Fries, tra-Large Serving o & Ex NEW! 12 31 FREE Apple Pie with purchase of any Bone-in Chicken, Tender or Nugget Combo at regular menu price ONLY 12 31 12 31 FREE with purchase of any at regular menu price Spicy or Mild Large Side Family Combo While quantities last. 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FINAL WEEKEND! 789 84" Sofa 99 BUy THE SoFa, gET THE LovESEaT 1/2 OFF Dresser and Mirror $ 38499 $ 137998 BUy THE DRESSER aND MiRRoR, gET THE QUEEN PaNEL BED 1/2 OFF 5 Piece Dining Room includes 80" to 96" rectangular extension table and 4 side chairs. $ includes headboard, footboard and rails. 43499 BUy THiS DiNiNg RooM, gET THE SERvER 1/2 OFF $ 4561 Hurontario St, Unit #2 South East Corner of Hwy #10 & Eglinton (905) 755-9030 · (877) 784-4404 Monday to Friday 10am to 9pm Saturday 10am to 6pm · Sunday Noon to 5pm mississauga 24 months equal payments* 410 Lewis Road and the South Service Rd Located in Stoney Creek Decor Centre next to Stoney Creek Furniture (905) 643-4646 · (866) 693-4646 Monday to Friday 10am to 9pm Saturday 10am to 5:30pm · Sunday Noon to 5pm 1449 95 $ 57999 stoney Creek 7979 Weston Rd Located North of Hwy 7 (647) 427-3900 · (877) 341-9260 Monday to Friday 10am to 9pm Saturday 10am to 6pm · Sunday Noon to 5pm Woodbridge 1095 Kingston Road (289) 631-1822 · (855) 635-8540 Monday to Friday 10am to 9pm Saturday 10am to 6pm · Sunday Noon to 5pm pickering Find us on Facebook www.ashleyfurniturehomestore.com *On approved credit. Minimum purchase $1599. $99.99 Admin Fee. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing provided by CitiFinancial Canada, Inc. and is subject to all the terms and conditions in your cardholder agreement and the credit promotional plan disclosure statement (collectively the "Account Agreement"). The purchase price is divided by the number of months in the credit promotional period to determine equal monthly payments to be made during the credit promotional period. Finance Charges will not accrue on the purchase during the credit promotional period of 24 months if the required minimum payment is made each billing cycle during the credit promotional period when due. The terms of the credit promotional plan will terminate if you default under your Account Agreement. 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. This offer is valid up to and including promotion 09/30/2013, cannot be used for previous purchases and cannot be combined with any other offers, promotions or special incentive programs. 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 Sealy, Serta, Ashley Sleep, Tempur-Pedic® and Stearns & Foster® 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. 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