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Ability to know price movements in advance is misleading: Watson continued from p.26 give away some life-altering nancial formula is a bit of a stretch. Not to mention that their insinuation that they have the ability to determine price movements in advance is in itself misleading. History has shown that skill is elusive. Yes, in some cases individuals have bought or sold investments that have proven to be pro table but the truth is that is based on luck, not skill. If anyone had that skill, their investment success would be repeatable. If that ability were repeatable then there would be a history of certain money managers and/or investors regularly making trades that were pro table. The number of "successful" managers is so small that it can be attributed to just plain luck. There is no evidence in the academic literature that some "star managers" consistently beat the market. There is no such thing when you look at publicly-available investment performance of investment managers. My concern on investment courses does not just apply to ones that are free. Just because you pay for a course does not mean the content will lead to the pro ts that you had hoped. As much as we would all love to get rich quick, there is no such thing. Investing is all about basics. Consider any misleading investment course that implies you can easily pro t from a few simple ideas to a theft: Theft of your better judgment. Having investments and personal property requires you to guard them. Yes, there are those who would want to take them from you. Trust your instincts and when something does not feel right, be cautious. Do not be fooled by investment courses that are just intended to make you buy investment services. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certi ed Financial Planner THE NATIONAL CAMPAIGN FOR 31 | Thursday, September 24, 2015 | OAKVILLE BEAVER | www.insideHALTON.com BETTER HEARING Book your FREE Hearing Test! We believe everyone over the age of 60 should get a FREE baseline hearing test. You can join us by simply booking YOUR test today and encouraging your friends to join you. It only takes 60 minutes and there are more than 175 participating locations across Canada! In addition, we're donating $2.00 for every test we perform in order to provide hearing aids for those who can't afford them. Our goal is to raise over $100,000 for hearing aids this year ­ So book your test, bring your friends, and together, we can make a difference! Follow Oakville Beaver staff on Twitter @Oakville_Beaver, @NewsHooked, @DavidLea6, @JuliaLeReporter, @BeaverSports, and @Halton_Photog Easy to use. "Contract Free" Leaf and Snow Removal Call Storybook to assess your Trees Today 905-491-6860 VISIT CampaignForBetterHearing.org/NSP OR CALL You can... pecialists.c s n io t c u d .tax-re Go to www ief video r br to view ou 3.9373 ext. 9 7.70 or call 187 ils eta for more d ner Retire soo s Save taxe x free a t t u o s g s earnin s e n i s u b Get om Audiology Associates of Oakville 331 Sheddon Avenue 1-888-589-9968 LUC13 NSP-CFBH-OAKB