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17| O akville B eaver | T hursday,A ugust 9,2018 insidehalton.com Welcome to KKT Orthopedic Spine Center! We are a new innovative treatment center for sufferers of back, neck and other chronic pain. KKT is a non-invasive, painless and fast treatment option which uses low-frequency sound waves to correct the position of the spine which results in pain relief, improved strength and mobility and may avoid the need for surgery or prolonged use of medication. KKT is scientifically proven, FDA and Health Canada approved and utilized in the treatment of many acute and chronic conditions such as: Back pain, Headaches, Neck Pain, Bulging Discs, Herniated Discs, Sciatica, Osteoarthritis, Whiplash, Scoliosis, Knee pain, Hip pain, Healed Vertebral Fractures and Facet Syndrome. We fix the cause of the problems that you are suffering from, we don't just treat the pain. KKT has been safely applied 450,000+ times over 15 years and now has 24 centers across 11 countries. We are pleased to inform you that the inventor of this new technology, Dr. Aslam Khan, is currently based out of our new clinic in Streetsville Mississauga. Our team looks forward to providing this treatment option to residents in Mississauga and surrounding areas. KKT is the solution people are seeking. Let us help stop your pain from taking away the things you love to do in life, and put an end to needless suffering. Please visit our website www.kktspine.com to learn more. We invite you to visit us at our new location 370 Queen Street South. For more information please call 905-285-0005 or email toronto@kktspinetreatment.com. 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Thermacore® Forpremiumconstructionandmaximumthermal efficiency, a Thermacore® insulated steel door is the ideal choice. This series of doors feature our sandwich construction of steel-polyurethane- steel as well as between-section seals with thermal breaks to reduce air infiltration. With several panel designs to choose from, these doors offer design flexibility, durability and thermal efficiency that will help keep your home comfortable in cold or hot climates. Insulated Steel Garage Doors As people grow older we expect to see physical signs of aging. The other facet of aging is declining mental ability. This needs to be better un- derstood, particularly as it applies to a person's ability to manage their financial affairs. We all have to make fi-We all have to make fi-W nancial decisions. Now more than ever, everyone needs to protect themselves against financial fraud. Theft through fraud is big business, especially when it comes to seniors. Anyone with declining fi- nancial abilities is vulnera- ble and at risk. In 2016 Texas Tech Uni- versity and the University of Michigan conducted re- search into the declining fi- nancial abilities of seniors. The first noteworthy finding is how early finan-finding is how early finan-f cial abilities can start to de- cline. Starting at age 60 se- niors' financial literacy be- gins to decline and contin- ues to do so. "The ability to answer basic financial questions decreases as respondents age, and this rate of decline almost exactly matches the gradual erosion of memory and problem-solving abili- ties later in life." People are living longer than in past generations. Therefore, for some, a large part of their lives will be lived during a time of de- clining financial skills. Plus, seniors are more likely to have substantial assets. A lifetime of saving, investing, and real estate appreciation has resulted in many older Canadians with significant wealth. The second striking thing learned from the sur- vey was the respondents were still confident in their financial abilities. Due tofinancial abilities. Due tof the gradual nature of the problem, they didn't notice the decline. This com- pounds the problem. It is human nature to be on the defensive when at risk. The key to shielding yourself from risk is under- standing that you are at risk. If a senior continues to be confident with their fi- nancial abilities they are less likely to be on guard against financial risks. Seniors are encouraged to be realistic about their own financial abilities. I encourage seniors and their families to discuss fi- nancial governance. Identi- fy trusted individuals to befy trusted individuals to bef involved with financial as- pects of their lives and what the checks and balances are. Discussing impending mental decline is a difficult conversation. Regardless, it is an important conversa- tion. 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. GROWING OLD HAS FINANCIAL RISKS SENIORS ENCOURAGED TO BE REALISTIC ABOUT FINANCIAL ABILITIES, WRITES WATSON OPINION PETER WATSON Column PLEASE RECYCLE THIS PAPER