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T Positive career opportunity for those in their 30s and 40s Dollars & Sense Guest Contributor 35 | Thursday, December 17, 2015 | OAKVILLE BEAVER | www.insideHALTON.com here is a tremendous employment potential for workers in their 30s and 40s. This will have signi cant nancial impact for those who can capitalize on this opportunity. Personal nancial stability begins with the ability to earn an income. It is that income that provides your desired lifestyle and the ability to be able to save and, therefore, achieve long-term nancial objectives. The advantage will be your age. Currently, many younger workers have not been able to have a career they had Peter Watson hoped for. For many, age is currently a disadvantage. The opportunity that is evolving is based on baby boomers growing old. Baby boomers, currently aged 50-69 years, are starting to retire. Canada's economic challenge will be replacing older workers who now account for 27 per cent of the population. The peak of the exodus for baby boomers retiring is 10 years from now. It all boils down to a numbers game. There are not enough younger workers to ll the vacuum caused by baby boomers retiring. Our current immigration policy of accepting 250,000 immigrants annually will not make up the labour shortfall. For Canada to be successful, our workforce will have to be more ef cient and this means making better use of technology. Our career advice to individuals in their 30s and 40s is to be able to deliver the efciency that technology offers. Make technology your friend. There is a lot of room for improvement. Canada's workforce is signi cantly less efcient than that of the U.S. and other industrialized nations based on economic output per worker. Future success will be based on increassee Younger on p.36 G BOXIN H SAL THE FASTEST GROWING AUTOMOTIVE BRAND IN CANADA Based on full-line brands, on 12 month, year over year rolling unit sales NT MEO EVENT S FINANCE RATES AS LOW AS 0 $ DOWN AT % APR + % APR FOR 60 MONTHS UP TO $ 1,500 ON SELECT MODELS HOLIDAY CASH* 2 2016 016 NISSAN ROGUE M MONTHLY ONTHLY L LEASE E ASE FROM WITH $ SL A AWD WD Premium model shown 281 0 1.99 THAT'S LIKE PAYING ONLY $ 65 + GET $ ON ROGUE S FWD WEEKLY LEASE LE ASE PAYMENTS PAYMENTS INCLUDE INCLUDE FREIGHT FREIGHT AND AND PDE P DE HOLIDAY HOLIDAY CASH C A SH 1,000 * Available Features Include: · Around View Monitor with 360° Birds'Eye View ·N Nissan is s a n S Safety afet y S Shield hie ld w with ith F Forward or w a r d E Emergency mer genc y B Braking r a k in g° 2015 NISSAN SENTRA FINANCE RATES AS LOW AS TOP SAFETY AND TOP QUALITY ONLY IN 2015 NISSAN SENTRA 0 % APR FOR 84 MONTHS + GET $ ON SENTRA 1.8 SR PREMIUM HOLIDAY CASH* 1,000 0 Available Features Include: · 17-inch Aluminum Alloy Wheels · Standard Bluetooth Handsfree Phone System THE "HIGHEST RANKED COMPACT CAR IN INITIAL QUALITY" IN THE U.S. 1.8 SL model shown 2015 NISSAN MICRA® FINANCE RATES AS LOW AS % APR FOR 60 MONTHS ON MICRA 1.6 SR MT + GET $ HOLIDAY CASH* 500 Available Features Include: · Nissan Advanced Airbag System (6 airbags) · Vehicle Dynamic Control (VDC) SR AT AT model shown ALREADY DRIVING A NISSAN? OUR LOYALTY PROGRAM HAS GREAT OFFERS! VISIT CHOOSENISSAN.CA OR YOUR LOCAL RETAILER · ENDS JANUARY 4TH Offers available from December 1, 2015 ­ January 4, 2016. Payments cannot be made on a weekly basis, for advertising purposes only. Representative monthly lease offer based on a new 2016 Rogue S FWD CVT (Y6RG16 AA00). 1.99% lease APR for a 60 month term equals monthly payments of $281 with $0 down payment, and $0 security deposit. First monthly payment, down payment and $0 security deposit are due at lease inception. 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 $16,848. Representative finance offer based on any new 2015 Sentra 1.8 SR Premium (C4SG55 RP00)/2015 Micra 1.6 SR MT (S5SG55 AA10)/2015 Pathfinder S 4X2 (5XRG15 AA00). Selling price is $24,129/$17,569/$33,089 financed at 0% APR equals 84/60/72 monthly payments of $287/$284/$439 for a 84/60/72 month term. $0 down payment required. Total finance obligation is $24,129/$17,069/$31,589. $1,000/$500/$1,500 Holiday Cash included in advertised offers. *Altima 2.5 SL and Pathfinder S 4x4 can be financed at 0% for 84/72 month and receive $1,500 Holiday Cash. The $1,500 discount is available on any 2015 Altima/2015 Pathfinder when leased or financed with NCF. $500/$1,000/$1,000/$1,500 Holiday Cash is available on 2015 Micra/2015 Sentra/2016 Rogue/2015 Pathfinder models when leased or financed through NCF. Models shown $37,139/$26,129/$18,569 Selling price for a new 2016 Rogue SL AWD Premium (Y6DG16 BK00)/ 2015 Sentra 1.8 SL (C4TG15 AA00)/2015 Micra 1.6 SR AT (S5SG75 AE10). See your dealer or visit Nissan.ca/Loyalty. *±Freight and PDE charges ($1,760/$1,600/$1,600) 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. Vehicles and accessories are for illustration purposes only. ALG is the industry benchmark for residual values and depreciation data, www.alg.com. For more information see IIHS.org. °Available feature. FEB cannot prevent accidents due to carelessness or dangerous driving techniques. It may not provide warning or braking in certain conditions. Speed limitations apply. Around View Monitor cannot completely eliminate blind spots and may not detect every object. Always check surroundings before moving vehicle. Virtual composite 360 view. The Nissan Sentra received the lowest number of problems per 100 vehicles among compact cars in the proprietary J.D. Power 2015 Initial Quality StudySM. Study based on responses from 84,367 new-vehicle owners, measuring 244 models and measures opinions after 90 days of ownership. Proprietary study results are based on experiences and perceptions of owners surveyed in February-May 2015. Your experiences may vary. Visit jdpower.com. See your participating Nissan retailer for complete details. ©2015 Nissan Canada Inc. and Nissan Canada Financial Services Inc. a division of Nissan Canada Inc. OAKVILLE NISSAN 2316 SOUTH SERVICE ROAD WEST, OAKVILLE TEL: (905) 827-1177