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in si de ha lto n. co m O ak vi lle B ea ve r | T hu rs da y, Ju ly 4, 20 19 | 14 40%Off 40% off any order of $1000 or more. 30% off any order of $700 or more. On any complete Closet, Garage or Home Office. Take an additional 15% off on any complete system order. Not valid with any other offer. Free installation with any complete unit order of $500 or more.With incoming order, at time of purchase only. Expires on 07/31/2019. Plus Free InstallatIon suMMer sPeCIal Imagine your home, totally organized! Custom Closets, Garage Cabinets, Home Offices, Pantries, Laundries, and Hobby Rooms Call for a free in home design consultation and estimate www.closetsbydesign.ca 855-996-9586 BP 2013 © All Rights Reserved. Closets by Design, Inc. Follow us SPECIAL FINANCING FOR 12 MONTHS! With approved credit. Call or ask your Designer for details. PLUS TAKE AN EXTRA 15%Off Promo Code NSP-SCPN-OAKB Canada Call toll-free 1-855-802-4067 2 clinics in Oakville [1] Please allow up to 45 days for the reward miles to appear in your collector account. ®†™†Trademark of AIR MILES International Trading B.V. Used under license by LoyaltyOne Inc. and HearingLife Canada Ltd. No-cost Hearing tests are provided to adults ages 19 and older. A fee will apply for a copy of your audiogram. Child hearing tests are conducted at select locations for a fee, please contact us for more information. New customers only, limited to one-time use. Expires 07/31/19. [2] This limited-time offer applies to ADP and private sales of select models of hearing aids and is subject to change without notice. Some conditions may apply. Please see clinic for details. Expires 07/31/19. [3] Please see clinic for the full list of member discounts. Present membership card at time of purchase. Limit one use per customer per year. Expires 07/31/19. [4] This is a free service regardless of make, model, or where you bought your hearing aids. No purchase required. Limit one use per customer per year. Get a 3 month supply of batteries when you join our battery club. No purchase required. See clinic for details. Expires 07/31/19. One-time offer limited to one use per client. SIZZLING LIMITED TIME COUPONS Summer HEAR FOR THE SUMMER! The summer is a wonderful time to socialize with family and friends. But if you struggle to hear well, this time of year can leave you feeling overwhelmed and frustrated. That's why we're celebrating the summer with these limited-time coupons! FREE HEARING TEST + GET 25 AIR MILES® REWARD MILES1 10% off HEARING AIDS FOR TRUSTED PARTNER MEMBERS3 FREE CLEAN & CHECK + 3 MONTH SUPPLY OF BATTERIES4 $1000 off THE LATEST DIGITAL HEARING AIDS2 UP TO Combine and redeem these coupons. Call to book your FREE hearing test or visit HearingLife.ca/Summer TRUSTED PARTNER OF TM According to the Alz- heimer Society, 564,000 Ca- nadians are living with de- mentia, and that number jumps to 937,000 in 15 years. It is very likely this disease will affect you directly, or indirectly with a family member or close friend. The federal health min- ister held a news confer- ence in Toronto recently, and outlined Canada's de- mentia objective. It encompasses a three- part strategy: To prevent dementia, provide better treatments (including a cure), and improve the quality of life for those af- fected plus their caregivers.fected plus their caregivers.f The federal government is committing $50 million over the next five years. In addition, the Canadian In- stitute of Health Research will contribute $31.6 million over the same time. On the surface that amount of financial com- mitment indicates demen- tia is a real problem. How- ever, critics say more fund- ing is needed. Dementia takes an emo- tional toll on families, but it can also present a serious risk to personal finances. According to The World Health Organization, the early stages of dementia are easy to overlook. Families may not realize what is hap- pening to their loved one DEMENTIA CAN CAUSE DEBT, LOSS OF ASSETS OPINION PETER WATSON Column NUMBERS ARE RISING DRAMATICALLY, WRITES PETER WATSON until it is too late. Difficulties in money management can arise from memory loss. Thingsfrom memory loss. Thingsf that were once easy, like tracking spending, check- ing bank statements and in- vestments, and under- standing a financial advis- er, can become a struggle. Becoming vulnerable to scams and financial abuse are also associated with the disease. Anyone of these things can mean your loved one is not making the best finan- cial decisions, which can lead to serious debt. Taking on debt later in life can af- fect a number of things, in-fect a number of things, in-f cluding retirement plans. To be blunt, if you live long enough, there is a strong chance that you will lose your mental capacity. Peter Watson, of Peter Watson Investments MBA, CFP®, R.F.P., CIM®, FCSI offers a weekly financial planning column, Dollars & Sense. He can be contact- ed through www.peterwat- soninvestments.com.