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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, December 12, 2013 | 20 BRING HOME A DEAL Better way to manage risk is with internationally-diverse portfolio continued from p.18 If you compare the volatility of an all-Canadian portfolio to one that is equally diversified in 10 asset classes around the world, the world portfolio is far less volatile. Ten asset classes means 10 different types of investments and includes small and large companies in Canada, the U.S. and the rest of the world. Diversify their portfolios Not only was there far less with a welldiversified portfolio, but the return was slightly higher. Diversification and risk management are more important now that interest rates are at historic low levels. Investors diversify their portfolios by investing in fixed income and although that successfully reduces risk, the low interest rates decrease the return of the portfolio. A better way to manage risk is with an internationally-diversified portfolio of equities that, as stated above, lessens the risk. Then, add the desired amount of fixed income. Inefficiently diversifying the equities in your portfolio and, therefore, overweighting fixed income is going to result in a lower investment result over time. Fixed income will still be used but in concert with as much prudent diversification that can be achieved with good international equity diversification. We recommend investors examine the amount of diversification in their portfolio. Diversification reduces risk and what most investors want is a low-risk portfolio that produces a good return. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner MODEL FB2E2DEX $ $ 88 1.99 @ 2013 CIVIC DX % APR $ LEASE BI-WEEKLY FOR 60 MONTHS. FINANCE BI-WEEKLY FOR 84 MONTHS. $16,970 SELLING PRICE INCLUDES FREIGHT, PDI, LEVIES AND OMVIC FEE. EXCLUDES LICENSE AND HST. 0 MODEL RM3H3EES WITH SE ACCESSORY PACKAGE DOWN PAYMENT/OAC $ DEPOSIT 0SECURITY $ HOL ID O AY B CIVIN ALL 2 ONUS C CR-V AND 013 MOD 2014 ELS * 500 PLUS GE T 149 2.99 @ $ 2014 CR-V LX % APR LEASE BI-WEEKLY FOR 60 MONTHS. 5 Liberal association meeting Monday The Oakville Federal Liberal Association is hosting a meeting to elect delegates to the Liberal Party of Canada 2014 Biennial Convention. The meeting will be held Monday, Dec. 16 at 7 p.m. at the Quality Suites, 754 Bronte Rd. The convention will take place Feb. 22-23, 2014 at le Palais des congrés du Montreal in Quebec. To be eligible to vote for and stand as a Biennial Delegate, individuals must have been an association member by 5 p.m. Tuesday, Nov. 5, 2013 -- 41 days prior to the meeting. MORE BI-WEEKLY FOR SE ACCESSORY PACKAGE INCLUDES ROOF RACK RAILS, RUNNING BOARDS, CARGO TRAY, ALL-SEASON FLOOR MATS, AND MORE. THE BEST-SELLING CAR IN CANADA FOR 15 YEARS RUNNING. $ HOL I ON DAY BON ALL US FIT M 2 ODE 013 LS * 500 PLUS GE T $ 771.99 @ $ 2013 FIT DX % APR 1,430 DOWN PAYMENT/OAC LEASE BI-WEEKLY FOR 60 MONTHS WITH $0 SECURITY DEPOSIT. 2013 CANADIAN BLACK BOOK BEST RETAINED VALUE AWARD: SUB-COMPACT CAR§ Give Them An Experience That Lasts A Lifetime! Performing and Visual Arts School Happy Holidays Explore Art, Music, Drama & Dance Register Now MODEL GE8G2DEX 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 BI-WEEKLY LEASE ONLY AVAILABLE FOR 48 MONTH TERMS OR GREATER. OR GET GREAT DEALS ON OTHER 2013 MODELS $ % OR GET UP TO APR 0.99 LEASE FOR 24 MONTHSµ OR FINANCE UP TO 48 MONTHS^ ON SELECT 2013 HONDA MODELS. CASH INCENTIVES ON OTHER SELECT REMAINING 2013 HONDA MODELS. 5000 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 HondaOntario.com Ontario Honda Dealers Limited time lease and finance offers available through Honda Financial Services Inc. (HFS), to qualified retail customers on approved credit. Selling prices and payments include freight and PDI (ranges from $1,495 to $1,640 depending on 2013 model and $1,695 on advertised 2014 models), EHF tires ($29), EHF filters ($1), A/C levy ($100 except Civic DX and Fit DX models), and OMVIC fee ($5). Taxes, license, insurance and registration are extra. Representative bi-weekly lease example: 2013 Civic DX Sedan // 2014 CR-V LX 2WD on a 60 month term with 130 bi-weekly payments at 1.99% // 2.99% lease APR. Bi-weekly payment is $88 // $148.74 with $0 // $0 down or equivalent trade-in, $66 // $0 individual dealer contribution deducted from the negotiated selling price before taxes, $0 security deposit, and first bi-weekly payment due at lease inception. Total lease obligation is $11,439.71 // $19,336.43. 120,000 kilometre allowance; charge of $0.12/km for excess kilometres. PPSA lien registration fee of $45.93 and lien registering agent's fee of $5.65, due at time of delivery are not included. Limited time SE Accessory Package installed for $4.88 more bi-weekly (plus taxes) on a 2014 CR-V LX 2WD includes all advertised items plus "SE" badge. Representative bi-weekly finance example: 2013 Civic DX Sedan on an 84 month term with 182 bi-weekly payments at 1.99% APR [including $1,600 Finance incentive and $476.65 individual dealer contribution deducted from the negotiated selling price before taxes]. Incentives apply only to Finance contracts through HFS, and can be combined with subvented rates of interest offered by Honda as part of a low rate interest program. Finance amount is $14,939. Cost of borrowing is $1,077.28 for a total finance obligation of $16,016.28 with $0 down or equivalent trade-in. *$500 Holiday Bonus offer applies only to retail customer purchase or lease agreements for new 2013 Civic, 2013 Fit and 2014 CR-V models concluded between December 3rd, 2013 and January 2nd, 2014 at participating Ontario Honda Dealers. Deducted from the negotiated price after taxes and can be combined with advertised lease and finance rates. µLimited time 0.99% APR lease offers on remaining new 2013 Fit DX // 2013 Civic DX Sedan // 2013 CR-Z // 2013 Accord EX Coupe 6MT // 2013 Accord LX Sedan 6MT // 2013 CR-V LX 2WD for a maximum of 24 // 24 // 24 // 42 // 24 // 36 months. Representative lease example: 2013 Civic DX Sedan on a 24 month term at 0.99% lease APR, the monthly payment is $287.20 with $0 down or equivalent trade-in, $0 security deposit and first monthly payment due at lease inception. Total lease obligation is $6,892.80. 48,000-kilometre allowance; charge of $0.12/km for excess kilometres. PPSA lien registration fee of $18.81 and lien registering agent's fee of $5.65, due at time of delivery are not included. ^Receive 0.99% APR purchase financing on remaining new 2013 Fit DX // 2013 Civic DX Sedan // 2013 CR-Z // 2013 Accord EX Coupe 6MT // 2013 Accord LX Sedan 6MT // 2013 CR-V LX 2WD models for a maximum of 36 // 48 // 24 // 60 // 24 // 48 months. Representative finance example: 2013 Civic DX Sedan on a 24 month term at 0.99% APR and finance amount of $16,991.65 the monthly payment is $715.31. Cost of borrowing is $175.79 for a total finance obligation of $17,167.44 with $0 down or equivalent trade-in. $1,500 // $1,500 // $3,000 // $1,500 // $2,000 // $3,500 // $2,000 // $2,500 // $4,000 // $5,000 // $5,000 customer cash incentive is valid on remaining new 2013 Fit (except DX) // 2013 Civic Coupe and Sedan (except DX Sedan) // 2013 Accord Coupe (except EX Coupe 6MT) // 2013 Accord Sedan (except LX Sedan 6MT, EX-L V6 Sedan and Touring V6 Sedan) // 2013 Accord EX-L V6 Sedan and Touring V6 Sedan // 2013 Crosstour EX 2WD and EX-L 2WD // 2013 Crosstour EX-L 4WD and EX-L 4WD NAVI // 2013 CR-V (except LX 2WD) // 2013 Odyssey // 2013 Pilot // 2013 Ridgeline models when registered and delivered between December 3rd, 2013 and January 2nd, 2014. Cash incentive is available for all Honda retail customers except customers who lease or finance through HFS at a subvented rate of interest offered by Honda as part of a low rate interest program. All advertised lease and finance rates are special rates. Cash incentive will be deducted from the negotiated price before taxes. For all offers: taxes payable on full amount of purchase price. Offers only valid for Ontario residents at Ontario Honda Dealers. Dealer may sell/lease for less. Dealer order/trade may be necessary. Vehicles and accessories are for illustration purposes only. Offers, prices and features subject to change without notice. See your Ontario Honda Dealer or visit HondaOntario.com for full details. Based on Association of International Automobile Manufacturers of Canada (AIAMC) data reflecting sales between 1997 and December 2012. §2013 Canadian Black Book Best Retained Value Award winner ­ Sub-Compact Car category. Based on value retained from original MSRP for 2009 model year vehicles as published by CBB, as of 1 January 2013. See CanadianBlackBook.com for complete details. Show Winter Who's Boss For a limited time Snow happens. Canadians can either shovel it like a chump or knock it out like a champ. With Honda's reliable snowblowers and great winter deals, it's easy to win against winter. Act now while the savings are still blowing in! Offers apply to eligible retail purchase agreements for a limited time, while supplies last. Savings are deducted from the manufacturer's suggested retail price before taxes. All prices shown do not include freight and PDI or applicable sales taxes and are not applicable in Quebec. Actual savings may vary by dealer. Promotional prices in effect until November 30, 2013. Prices/specifications subject to change without notice. Dealer order or trade may be necessary. At participating Canadian Honda Power Equipment dealers only. Models may not be exactly as shown. Errors and omissions excepted. See your Honda Power Equipment dealer or honda.ca/bringit for full details. $ Plus freight and PDI 699 starting from Experts in Lawn & Garden Equipment & Services 1661 Lakeshore Rd. W. Mississauga (5 stoplights east of Southdown Road in Clarkson) Current Power Machinery Inc. 905-822-4211 · www.currentpowerinc.ca