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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, A ug us t 1, 20 19 | 14 thedraughtguys.ca Call or text on 905.872.0636 We look forward to hearing from you! CCheeheeheeC rrhee ssr !!Cheers! Have a draught tap set up in your home for $899 which includes your first 20 L keg! vicesvicesResidential Draught Beer Ser The Draught Guys We look forward to hearing from you!We look forward to hearing from you!WWe look for • Draught tap rentals• Draught tap rentals • CO2 bottle exchanges• CO2 bottle exchanges • Equipment supply• Equipment supply • Keg delivery services• Keg delivery services • Line cleaning & servicing• Line cleaning & servicing • CO2 bottle exchanges• CO2 bottle exchanges Our ServiceS include NOTICE OF CONSTRUCTION Meetings at Halton Region, 1151 Bronte Rd., Oakville, L6M 3L1 Visit halton.ca for full schedule. Sept 11 9:30 a.m. Regional Council 08 01 19 William Halton Parkway Extension fromTrafalgar Road to Ninth Line, Wards 6 and 7, Town of Oakville William Halton Parkway (Reg. Rd. 40) is being extended from Trafalgar Road (Reg. Rd. 3) to Ninth Line (Reg. Rd. 13) to service growth in Halton Region and Contract Number: R-2538-19 Scheduled Start Date: August 2019 Scheduled Completion Date: December 2020 Contractor: More Information: For more information about this project: • Visit halton.ca • Sign up to receive email notice and updates • Email accesshalton@halton.ca or call 311 H IG H W A Y 40 3 BURNHAMTHORPE ROAD EAST (REG. RD. 27) HIGHWAY 407 LOWER BASE LINE MILTON OAKVILLE N OI G E R L E E P (REG. RD. 40) (R EG .R D .1 3) N IN TH LI N E (R EG . R D . 3 ) TR A FA LG AR R O A D WILLIAM HALTON PARKWAY Project Manager: Tarek Abul-Fotouh 905-825-6000, ext. 3096 tarek.abul-fotouh@halton.ca Please contact us, as soon as possible, if you have any accessibility needs at Halton Region events or meetings. Gary Carr Regional Chair Stay connected on construction Whether we are widening roads, installing new bike lanes or maintaining dependable access to clean drinking water, we are building a better Halton everyday. To stay up to date on improvements and plan ahead for construction activity, please visit halton.ca to: use our new online interactive map to see all active construction projects; check out our updated project webpages for the latest information; and sign up to get timely updates on construction projects by email. Thank you for your patience as we continue to improve the community and keep Halton a great place to live. One of the most impor- tant things about invest- ing is deciding on asset al- location. Asset allocation is the decision of how to diversi- fy your investment portfo-fy your investment portfo-f lio. The main options are stocks and bonds. The importance of as- set allocation started back in 1986 with a schol- arly article titled Deter- minants of the Portfolio Performance, published in the Financial Analyst Journal. That article had a rip- ple effect. Study of asset allocation has lasted de- cades, and much has been learned. In summary, asset allo- cation is important. It is really, really important. The biggest decision you make about your in- vestment portfolio has to do with the types of in- vestments you own. Asset allocation is by far the greatest influence on the volatility and return on your investment. In my opinion, get as- set allocation right and you are ahead of the game. Get it wrong and you have virtually no chance of achieving your invest- ment objectives. Over the years I've no- ticed that the bulk of con- versations on investing have been about specific investment alternatives. What stock to buy and what stock to sell, and when that transaction should be completed. In the original 1986 study, the importance of security selection and market timing accounted for less than seven perfor less than seven perf cent of the performance of an investment portfolio. That means spending the bulk of the time consider- ing what is least impor- tant is a colossal waste of time. Stocks provide the op- portunity for a higher re- turn than bonds. Stocks are more volatile. If you want a good long- term return then stocks are the most appropriate option. If you want less volatility and are willing to accept a significantly lower return, then bonds make the most sense. Both stocks and bonds have attractive advantag- es and can be used for dif- ferent reasons.ferent reasons.f Determine what your investment objectives are and then spend your time and effort to make sure the critical asset alloca- tion decision is appropri- ate. Peter Watson, of Peter Watson Investments MBA, CFP, RFP, CIM, FCSI, offers a weekly financial planning column, Dollars & Sense. He can be con- tacted through www.pe- terwatsoninvestment- s.com. OPINION THE IMPORTANCE OF ASSET ALLOCATION BOTH STOCKS AND BONDS HAVE ADVANTAGES, WRITES WATSON PETER WATSON Column SIGN UP FOR OUR WEEKLY NEWSLETTER AT INSIDEHALTON.COM