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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, March 26, 2015 | 18 Research shows many avoid seeking nancial advice A recent national survey provides both answers and questions about the ability of Canadians to manage their personal nances. In February, CIBC released the results of a survey completed by 1,510 randomly selected Canadian adults. Three responses provide some insight to the nancial issues facing many of us. Fifty-three per cent think that nancial decisions are more complicated than they were 20 years ago. That is very understandable, since the world has become more complicated. Fifty-two per cent say they have insuf cient knowledge to make nancial decisions and therefore have struggled when required to do so. Guest Contributor Sixty-six per cent said they could bene t from receiving nancial advice. That seems logical. Financial decisions are more dif cult and Dollars & Sense Peter Watson is of a real value. However, the next response raises a signi - people don't have sufcient knowledge to make those decisions. Of course, many people will want nancial advice. The answer to how Canadians think about making nancial decisions does provide some insight. In this regard, the CIBC research cant question. That is the giant elephant in the room. Only 38 per cent of Canadians are planning to meet with a nancial advisor this year. That begs the question of why. If 66 per cent say they could bene t from nancial advice, why would only 38 per cent follow through and seek out an advisor? On the surface, it makes no sense. It does not take much time and effort to arrange to speak with a nancial advisor and most Canadians would bene t from making good nancial decisions. See People on pg. 20 WORRY FREE LEASE OFFER ON SELECT MODELS SPECIAL NO CHARGE MAINTENANCE FOR THREE YEARS + $ $ PLUS 0 SECURITY DEPOSIT 0 DOWN ON SELECT NISSAN LEASES PAYMENT & GUARANTEED ASSET PROTECTION For making us THE FASTEST GROWING AUTOMOTIVE BRAND IN CANADA Based on full-line brands, on 12 month, year over year rolling unit sales INTRODUCING THE 2015 NISSAN MICRA KROM EDITION ® 128 WITH $998 DOWN AT 4.99% APR FOR 60 MONTHS MONTHLY LEASE FROM $ THAT'S LIKE PAYING ONLY $ 29 KROM FEATURES INCLUDE (LIMITED TIME ONLY): · 15" Piano Black Alloy Wheels · Chrome Accessories WEEKLY ON MICRA 1.6 S MT LEASE WORRY FREE KROM MT model shown 2015 NISSAN SENTRA MONTHLY LEASE FROM $ FEATURES INCLUDE: · More Total Interior Volume than Toyota Corolla and Honda Civic+ · More Connected Technology than Mazda3^ $ 0 DOWN AT 0.9 % APR FOR 60 MONTHS 178 WITH THAT'S LIKE PAYING ONLY $ 41 WEEKLY ON SENTRA 1.8 S LEASE WORRY FREE 1.8 SL model shown 2015 NISSAN ROGUE MONTHLY LEASE FROM $ AVAILABLE FEATURES INCLUDE: · Divide-N-Hide Cargo System · Intuitive All-Wheel Drive · NissanConnectSM with Navigation $ 278 WITH 0 DOWN AT 1.99% APR FOR 60 MONTHS THAT'S LIKE PAYING ONLY $ 64 WEEKLY ON ROGUE S FWD LEASE WORRY FREE SL AWD AWD Premium model shown OFFERS END MARCH 31 - VISIT CHOOSENISSAN.CA OR YOUR LOCAL RETAILER ST Equivalent lease payments of $29/$41/$64 on the 2015 Micra/2015 Sentra/2015 Rogue must be made on a monthly basis and cannot be made weekly. Weekly lease payments are for advertising purposes only. Offer is administered by Nissan Canada Extended Services Inc. (NCESI) and applies to any new 2015 Micra/Versa Note/Sentra/Altima/Juke/Rogue/Pathfinder models (each, an "Eligible Model") leased and registered through Nissan Canada Financial Services Inc., on approved credit, between March 3 ­ March 31, 2015 from an authorized Nissan retailer in Canada. Eligible only on leases through NCF with subvented rates. Offer recipient will be entitled to receive a maximum of six (6) service visits (each, a "Service Visit") for the Eligible Vehicle ­ where each Service Visit consists of one (1) oil change (using conventional 5W30 motor oil) and one (1) tire rotation service (each, an "Eligible Service"). All Eligible Services will be conducted in strict accordance with the Oil Change and Tire Rotation Plan outline in the Agreement Booklet for the Eligible Vehicle. The service period ("Service Period") will commence on the lease transaction date ("Transaction Date") and will expire on the earlier of: (i) the date on which the maximum number of Service Visits has been reached; (ii) 36 months from the Transaction Date; or (iii) when the Eligible Vehicle has reached 48,000 kilometers. All Eligible Services must be completed during the Service Period, otherwise they will be forfeited. The Offer may be upgraded to use premium oil at the recipient's expense. The Eligible Services are not designed to meet all requirements and specifications necessary to maintain the Eligible Vehicle. To see the complete list of maintenance necessary, please refer to the Service Maintenance Guide. Any additional services required are not covered by the Offer and are the sole responsibility and cost of the recipient. Offer may not be redeemed for cash and may not be combined with certain offers NCESI reserves the right to amend or terminate this offer, in whole or in part, at any time without prior notice. Additional conditions and limitations apply. Ask your retailer for details. Representative monthly lease offer based on any new 2015 Micra S 5MT (S5LG55 AA00)/2015 Sentra 1.8 S Manual Transmition (C4LG55 AA00)/2015 Rogue S FWD CVT transmission (Y6RG15 AA00). 4.99%/0.9%/1.99% lease APR for a 60/60/60 month term equals monthly payments of $128/$178/$278 with $998/$0/$0 down payment, and $0 security deposit are due at lease inception. Prices and payments include freight and fees. Lease based on a maximum of 20,000 km/year with excess charged at $0.10/km. Total lease obligation is $8,659/$10,702/$16,682. $250/$30 Dealer participation included only on the 2015 Micra S 5MT (S5LG55 AA00)/2015 Sentra 1.8 S M6 (C4LG55 AA00) in advertised amount. These offers are only valid from March 3 - 31, 2015. Dealer order/ trade may be necessary. Conditions apply. Models shown $16,251/$25,799/$36,482 Selling price for a new 2015 Micra® KROM MT (S5RG55 KR00)/2015 Sentra 1.8 SL (C4TG15 AA00)/2015 Rogue SL AWD Premium (Y6DG15 BK00). *±Freight and PDE charges ($1,450/$1,567/$1,750) air-conditioning levy ($100) where applicable, applicable fees (all which may vary by region), manufacturer's rebate and dealer participation where applicable are included. License, registration, insurance and applicable taxes are extra. 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. Dealer order/trade may be necessary. Vehicles and accessories are for illustration purposes only. Offers, prices and features subject to change without notice. Offers valid between March 3 - 31, 2015. Based on GAC (AIAMC) Intermediate segmentation. All information compiled from Natural Resources Canada Fuel Economy data and third-party sources, including manufacturer websites. November 26, 2014. +Based on 2014/15 Nissan Sentra (3,144L), 2015 Honda Civic (3,031L) and 2015 Toyota Corolla (3,119L). All information sourced from competitive websites and is accurate at the time of printing. January 28, 2015. ^Based on 2014/15 Sentra SV, SR, SL models with NissanConnect Apps system. Smartphone connectivity allowing access to popular mobile applications and connected services (ex. Google Send-to-Car). For more information see IIHS.org. ALG is the industry benchmark for residual values and depreciation data, www.alg.com. Offers subject to change, continuation or cancellation without notice. Offers have no cash alternative value. See your participating Nissan retailer for complete details. ©1998-2015 Nissan Canada Inc. and Nissan Financial Services Inc. a division of Nissan Canada Inc. 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