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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, October 10, 2013 | 18 I That special quality of life requires dollars and responsible nancial planning Dollars & Sense Peter Watson Guest Contributor t is surprising to see how many people ignore their investments as if it is some foreign entity that is best forgotten. Ignoring the dollars of current day is, for some, a badge of honour in their personal statement because their focus is on the quality of life and not the materialist world of capitalism and investment management. But your quality of life and that mysterious world of nance are more closely connected than you realize. I hear people talk indirectly about money all the time. Their vocabulary is not nancial but if you translate what they are saying it is indeed about nancial issues. People talk about what interests them. For example, when they retire they want to do something entirely different from what they do today. Change their life, travel, explore and experience something unique and different. The broad and varied visions of how people see their lives unfold in the future is truly amazing. Listening to them talk about how they have planned to achieve their dreams is equally so. The same people who have not paid much attention to the details of personal nance have suddenly become absolutely immersed in the details of their life ahead of them. How they will accomplish their dreams is amazingly creative. At what age can they afford to retire? Can they house swap with someone in a foreign land? Should they rent their house and just pack up and go and use the rental income to nance new adventures? The magic of modern day personal nance is to apply that same mental focus about ambitious life plans to nancial circumstances. Be the person in charge of your nancial future. Employ the services of an investment adviser but oversee that relationship and determine if it is usehuge discounts for wholesale accounts!! ful in achieving your desired outcome. Manage your spending and only spend when it is prudent. Implement a savings plan if some of your priorities are scheduled for the future. Set a goal to eliminate spending when it is truly not adding value and enjoyment to your life. Is it prudent to incur the expense of renting your water heater versus owning it? Can lower cost alternatives replace a fully-loaded cable TV package? Avoid the made-in-Canada fees that are some of the most expensive in the world. We encourage you to pay attention to your personal nances, so your dreams can become a reality. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner AP PLE BY LIN E vE ST Rd Give Them An Experience That Lasts A Lifetime! Performing and Visual Arts School 5115 HARVESTER RD · Burlington 991 BARTON ST. E. · Hamilton 905-544-2444 Mon-Fri : 8am - 5pm; Sat 8am -2pm x . ER BAR TON ST. E . x BURLINGTON R HA HAMILTON Explore Art, Music, Drama & Dance Alternator Starter Radiator off we will beat any advertised price by 5% guaranteed Beginner to Advanced and Competitive Levels · Ages 3 yrs to Adult · Art In Mixed Media, Oils and Watercolours · MusIc in All Instruments · Voice, RcM Music Exams · DRAMA · Musical Theatre · DANcE · Ballet · Pointe · contemporary · Modern · Irish · Lyrical · Jazz · Hip Hop · Tap · Latin · Acro · Belly Dancing · stretch and strength · cardio · Fitness Training Day, Evening and Weekend Classes Register Now 20% CV Shaft off 20% 25% 30% off Ball Joint 20%off 30%off Economy Moog Premium Brake Pads off STUDIO PAVAS 905-403-9435 1-2301 Royal Windsor Dr., Mississauga www.studiopavas.com studiopavas@sympatico.ca Small Class Sizes · Camera Viewing of All Studios · Family-Focused Scheduling · Annual Musicals · Specialty Workshops MARCH BREAK & SUMMER CAMPS 35% 15% 20% Economy Ceramic Economy Pads Wagner Premium off off off Hub Bearing Special Assembly Economy off Moog 20% 25%off Blower Motor Brake Rotors or Drums Sept. 1 - Oct. 31 Visit www.monroe.com for details Wiper Motor 22%off 20%off 35%off Wagner Premium Mail-In Rebate restrictions apply - Rebate may not be combined with any other discount, offer or rebate. 15%off October 12­14 & 19­20 Women, Wine and Wealth An Exclusive Evening By Women, For Women The average widow in Canada is just 56 years old. Are you prepared if the unexpected should happen to you? Come and hear June Audette, District Vice President, RBC Global Asset Management speak about making sure your family's wealth stays with you. Thursday, October 17, 2013 6:00PM Burlington Hilton Garden Suites, 985 Syscon Rd Burlington Hosted by David Little, Senior Investment Advisor, DundeeWealth Please RSVP to Tanya at 905-336-8600 or visit https://wealthy-women.eventbrite.ca DWM Securities Inc., Member ­ Canadian Investor Protection Fund, Is a DundeeWealth Inc. Company. Sponsored in part by RBG Global Asset Management Inc. OTT AWA ST