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Dollars & Sense Peter Watson Guest Contributor Set the stage for Christmas with our 2014 outdoor greens collection. TERRA has the widest assortment of berries, twigs, & boughs. Build something yourself, choose from hundreds of in stock arrangements, or have an arrangement custom made for you. Christmas Cheer! 25 | Thursday, November 6, 2014 | OAKVILLE BEAVER | www.insideHALTON.com Look for ways to improve the health of your finances N ovember is Financial Literacy Month so there will be heightened activity in advertising and events encouraging Canadians to be more focused and aware of their nancial well-being. Several years ago, the federal government created a task force on nancial literacy, which led to the Financial Literacy Act in 2013. November was chosen as the month to stress nancial literacy. The Minister of State (Finance) said, "In today's global and complex nancial world, nancial literacy is more important than ever." The government has been encouraging individuals to be more scally responsible for years. There is good reason for this. Canadians must be nancially self-suf cient because there isn't enough government funding to take care of us. Life is expensive. It is good government policy to encourage nancial literacy. An intelligent nancial consumer will make better decisions resulting in less reliance on the government. The rst-ever Financial Literacy leader is Jane Rooney, who said, "As consumers of nancial products, ranging from credit cards and mortgages to a wide array of banking services, Canadians must be equipped to make informed decisions that strengthen their own personal nances and support the economy as a whole." We have a recommendation on how you may approach your personal nances where your success will combine nancial planning and investing. You have a better chance of achieving your nancial goals when these two separate areas work together. Financial planning requires planning and thinking about what you are trying to achieve while investing is the implementation of that plan. see Set on p.32 SAVE $10 $29.99 "Bubbly" Outdoor Evergreen Arrangement Use as is, or drop in your favourite urn or planter. Reg. $39.99 "Lodge" Outdoor Evergreen Collection Create your own evergreen arrangement! SAVE $10 $49.99 "Owl" Outdoor Evergreen Arrangement Use as is, or drop in your favourite urn or planter. Reg. $59.99 BC Cedar or BC Pine Bunches Fresh 3 lb. Magnolia Bunches Reg. $9.99 $6. 99 2 for $10 Reg. $7.99 All Fresh Evergreen Wreaths 30% off Experience our 8 unique Christmas Tree Themes! Ornaments starting from $1.99 OPEN 7 DAYS A WEEK: Monday - Sunday 9am - 6pm All items while quantities last, subject to availability. Category offers exclude "TERRA Essentials" Tree and Trim Shop Sale period: Nov. 6th - 12th www.terragreenhouses.com Burlington (905) 332-3222 · Milton (905) 876-4000 · Waterdown (905) 689-1999 ·Vaughan (905) 832-6955 Our Hamilton location is closed for renovations and will re-open spring 2015