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13 | O akville B eaver | T hursday,N ovem ber 29,2018 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. Bronte 2419 Marine Drive Call Debbie at 1-888-361-5438 Kyle Letourneau, Hons. BA (psychology), HIS, Hearing Instrument Specialist Promo Code NSP-HOHO-OAKB NIHB, VAC and Worker's Compensation Provider Hearing tests are provided free of charge for adults ages 18 and older. Please see clinic for details. Offer not valid in Quebec. * 50 reward mile offer is limited to adults ages 50 and over and is non-transferable. 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 Canada Hearing Ltd. Limit first-time tests, per Collector Account. †This is a free service regardless of make, model, or where you bought your hearing aids. Get a 3 month supply of batteries when you join our battery club. No purchase required. ‡ This limited-time offer applies to ADP and private sales of select models of hearing aids and is subject to change without notice. Price is listed per device with discount and grant applied. Some conditions may apply. Please see clinic for details. Expires 12/31/18. Visit us to learn about the most advanced hearing aid technology and to redeem these coupons. Call now to book your FREE hearing test today! 50 FREE AIR MILES® REWARD MILES* Receive a Free hearing test and earn 50 AIR MILES® reward miles! FREE BATTERIES & CHECK-UP† Receive a 3 month supply of batteries and a FREE clean & check of your hearing aids. $500 OFF HEARING AIDS‡ Save $500 off select styles of the latest digital hearing aids. OUR GIFT TO YOU THIS HOLIDAY SEASON: BETTER GATHERINGS THROUGH BETTER HEARING! From family activities to holiday carollers, your ears go through a lot and struggling to hear over all the hustle and bustle can be exhausting. Get the most out of your holiday with these special offers. Why do so many peo- ple have so much trouble saving? This applies to both high and average earners. The data on how many of us have so little ability to save is alarming. According to a recent survey by GOBankin- gRates in the United States, people with an in- come in excess of $150,000 US have trouble saving. Twenty-three per cent had less than $1,000 set aside for unexpected emergencies. One-third of that group had nothing saved for retirement. In Canada, 41 per cent of working people spend all or more of their take- home pay; many go into debt. This information is from a Canadian Payrollfrom a Canadian Payrollf Association study com- pleted in 2017. This lack of saving in modern day society is a ticking time bomb - a day of reckoning will come. To put the lack of sav- ing in proper perspective, let's consider the finan- cial characteristics of the three stages of life. The early years are of- ten concluded with post- secondary education. Many graduate with stu- dent debt. During your working years is the time to earn an income, which can eliminate student debt and save for retirement. Retirement comes after employment income stops, so accumulated savings are necessary to augment any workplace pension and/or govern- ment benefits. The key financial stage of life is the middle- life period of earning. Without proper saving, the final decades of life - with no accumulated sav- ings to provide the neces- sary spending money - will be a catastrophe. The lack of sufficient savings during your working years could be the most significant fi- nancial mistake many Canadians make during their lifetime. And there is an addi- tional problem. For someone who has diffi- culty managing their household budget when they have an income, how are they possibly going to manage their finances when there is no income? A good savings pro- gram is key: I recom- mend investing the time and effort to consider your financial needs over a lifetime, and save ac- cordingly. Peter Watson, of Peter Watson Investments MBA, CFP®, R.F.P., CIM, FCSI offers a weekly fi- nancial planning column, Dollars & Sense. He can be contacted through www.peterwatsoninvest- ments.com OPINION WHY DO PEOPLE FIND IT SO DIFFICULT TO SAVE, WRITES PETER WATSON 'LACK OF SAVING IN MODERN DAY SOCIETY IS A TICKING TIME BOMB,' SAYS WATSON PETER WATSON Column