www.insideHALTON.com | OAKVILLE BEAVER | Thursday, October 24, 2013 | 14 CLEAROUT HONDA DOLLARS AVAILABLE ON ALL 2013 CIVIC MODELS* The Honda Model ENDS ENDS SOON! SOON! 500 @ PLUS GET I MODEL FB2E2DEX New pension strategy can be useful to individuals Dollars & Sense Peter Watson Guest Contributor $ OR FINANCE 2013 CIVIC DX LEASE BI-WEEKLY FOR 88 1.99 0 $ % APR LEASE FOR 60 MONTHS WITH $0 SECURITY DEPOSIT. BIWEEKLY LEASE ONLY AVAILABLE ON 48 & 60 MONTH TERMS. FINANCE FOR 84 MONTHS . $16,970 SELLING PRICE INCLUDES FREIGHT, PDI, LEVIES AND OMVIC FEE. EXCLUDES LICENSE AND HST. FUEL ECONOMY FROM 7.2 CITY / 5.4 HWY (L/100 KM) DOWN PAYMENT /OAC THE BEST-SELLING CAR IN CANADA FOR 15 YEARS RUNNING. $ 77 1.99 @ 2013 FIT DX LEASE BI-WEEKLY FOR % $ APR 1,430 DOWN PAYMENT/OAC AVAILABLE ON ALL 2013 FIT MODELS* LEASE FOR 60 MONTHS WITH $0 SECURITY DEPOSIT. BI-WEEKLY LEASE ONLY AVAILABLE ON 48 & 60 MONTH TERMS. HONDA DOLLARS 500 PLUS GET Named one of Car and Driver's 10Best for the 7th year in a row. FUEL ECONOMY FROM 7.1 CITY / 5.7 HWY (L/100 KM) MODEL GE8G2DEX ndividuals may be able to better manage their own retirement funds by following a new, creative pension plan strategy. The motivation for some creative thinking is the current day's arithmetic of retirement funding is signi cantly more challenging. Individuals face new obstacles that could derail their own retirement dreams. Compounding the challenge are low interest rates and longevity. At a time when our retirement funding has to last longer, we are earning less from our investments. The challenging reality of a changing retirement landscape means we must adjust our thinking or suffer the consequences. Not only is this a concern for many individuals but the same challenge applies to pensions with the obligation to pay retirees for their entire life. Like many individuals' savings, many pensions in Canada are below the required funding needed to meet their obligations. Two types of pensions There are two popular types of pensions. A de ned bene t pension paying a speci c amount to retirees and a de ned contribu- tion plan where a speci c amount is saved and the pension payout is dependent upon investment performance. These two extremes have both their advantages and disadvantages. Have a target The new strategy developed is to have a target pension plan. The University of British Columbia has such a plan for its 10,000 members and it is both simple and exible. It is a combination of the two above methods, providing the best from both. A target plan sees a speci c amount contributed to the plan where the payout is exsee Dif cult on p.19 0.99 OR GET GREAT DEALS ON OTHER 2013 MODELS LEASE OR FINANCE STARTING FROM OR GET UP TO ON SELECT REMAINING 2013 HONDA MODELS. APR LEASE FOR 24 MONTHSµ OR FINANCE UP TO 48 MONTHS. ^ % $ 5000 $ CASH INCENTIVES ON OTHER SELECT REMAINING 2013 HONDA MODELS. Don't miss these, and other great deals! Visit Proudly Canadian Follow us: @wagjag facebook.com/wagjag THE 2014 MODELS HAVE ARRIVED! 2014 CR-V LX L LEASE EASE B BI-WEEKLY I-WEEKLY F FOR OR @ $1,675 DOWN PAYMENT/OAC 1 49 49 2.99 FUEL ECONOMY FROM 9.0 CITY / 6.4 HWY (L/100 KM) APR % Buy Online: 81% off $29.00 LEASE LEASE FOR 48 MONTHS WITH $0 SECURITY DEPOSIT. BI-WEEKLY LEASE ONLY AVAILABLE DEPOSIT. O N4 8&6 0M ONTH T ERMS. ON 48 60 MONTH TERMS. UP TO 82% OFF A CUSTOMIZED FACIAL TREATMENT FROM DYNAMIC LASER WORKS (2 OPTIONS) MODEL RM3H3EES HondaOntario.com Ontario Honda Dealers Limited time lease and finance offers available through Honda Financial Services Inc. (HFS), on approved credit. Selling prices and payments include freight and PDI (ranges from $1,495 to $1,640 depending on 2013 model and $1,695 on advertised 2014 models), EHF tires ($29), EHF filters ($1), A/C levy ($100 except Civic DX and Fit DX models), and OMVIC fee ($5). Excludes taxes, license, insurance, and registration. Representative bi-weekly lease example: 2013 Civic DX Sedan (Model FB2E2DEX) // 2014 CR-V LX 2WD (Model RM3H3EES) on a 60 // 48 month term with 130 // 104 bi-weekly payments at 1.99% // 2.99% lease APR. Bi-weekly payment is $87.40 // $149 with $0 // $1,675 down or equivalent trade-in, $0 security deposit and first biweekly payment due at lease inception. Total lease obligation is $11,362.23 // $17,170.97. 120,000 // 96,000 kilometre allowance; charge of $0.12/km for excess kilometres. Representative bi-weekly finance example: 2013 Civic DX Sedan (Model FB2E2DEX) on an 84 month term with 182 bi-weekly payments at 1.99% APR [including $1,600 Finance incentive and $431 individual dealer contribution deducted from the negotiated selling price before taxes]. Incentives apply only to Finance contracts through HFS, and can be combined with subvented rates of interest offered by Honda as part of a low rate interest program. Complete price of $16,970. Cost of borrowing is $1,077.28 for a total finance obligation of $16,016.28 with $0 down or equivalent trade-in. *$500 Honda Dollars offer applies only to retail customer purchase or lease agreements for new 2013 Civic and 2013 Fit models concluded between October 1st, 2013 and October 31st, 2013 at participating Ontario Honda Dealers. Deducted from the negotiated price after taxes and can be combined with advertised lease and finance rates. See sales associate for eligible products & services applicable to Honda Dollars offer redemption. µLimited time 0.99% APR lease offers on remaining new 2013 Fit DX (Model GE8G2DEX) // 2013 Civic DX Sedan (Model FB2E2DEX) // 2013 CR-Z // 2013 Accord EX Coupe 6MT (Model CT1A7DJ) // 2013 Accord LX Sedan 6MT (Model CR2E3DE) // 2013 CR-V LX 2WD (Model RM3H3DES) for a maximum of 24 // 24 // 24 // 36 // 24 // 36 months. Representative lease example: 2013 Civic DX Sedan (Model FB2E2DEX) on a 24 month term at 0.99% lease APR, the monthly payment is $280.84 with $0 down or equivalent trade-in, $0 security deposit and first monthly payment due at lease inception. Total lease obligation is $6,740.16. 48,000-kilometre allowance; charge of $0.12/km for excess kilometres. ^Receive 0.99% APR purchase financing on remaining new 2013 Fit DX (Model GE8G2DEX) // 2013 Civic DX Sedan (Model FB2E2DEX) // 2013 CR-Z // 2013 Accord EX Coupe 6MT (Model CT1A7DJ) // 2013 Accord LX Sedan 6MT (Model CR2E3DE) // 2013 CR-V LX 2WD (Model RM3H3DES) models for a maximum of 36 // 48 // 24 // 48 // 24 // 48 months. Representative finance example: 2013 Civic DX Sedan (Model FB2E2DEX) on a 24 month term at 0.99% APR and complete price of $16,970, the monthly payment is $714.40. Cost of borrowing is $175.60 for a total finance obligation of $17,145.60 with $0 down or equivalent trade-in. $1,500 // $1,500 // $2,000 // $1,500 // $2,000 // $3,500 // $2,000 // $2,500 // $4,000 // $5,000 // $5,000 customer cash incentive is valid any new 2013 Fit (except DX, model GE8G2DEX) // 2013 Civic Coupe and Sedan (except DX Sedan, model FB2E2DEX) // 2013 Accord Coupe (except EX Coupe 6MT, model CTA7DJ) // 2013 Accord Sedan (except LX Sedan 6MT, EX-L V6 Sedan and Touring V6 Sedan, models CR2E3DE, CR3F8DJN and CR3F9DKN) // 2013 Accord EX-L V6 Sedan and Touring V6 Sedan // 2013 Crosstour EX 2WD and EX-L 2WD (models TF3H3DJ, TF3H5DJNX) // 2013 Crosstour EX-L 4WD and EX-L 4WD NAVI (models TF2H5DJNX, TF2H5DKNX) // 2013 CR-V (except LX 2WD, model RM3H3DES) // 2013 Odyssey // 2013 Pilot // 2013 Ridgeline models when registered and delivered between October 1st and October 31st, 2013. Cash incentive is available for all Honda retail customers except customers who lease or finance through HFS at a subvented rate of interest offered by Honda as part of a low rate interest program. All advertised lease and finance rates are special rates. Cash incentive will be deducted from the negotiated price before taxes. For all offers: license, insurance, PPSA, other taxes (including HST) and excess wear and tear are extra. Taxes payable on full amount of purchase price. Offers only valid for Ontario residents at Ontario Honda Dealers. Dealer may sell/lease for less. Dealer order/trade may be necessary. Vehicles and accessories are for illustration purposes only. Offers, prices and features subject to change without notice. See your Ontario Honda Dealer or visit HondaOntario.com for full details. Based on Association of International Automobile Manufacturers of Canada (AIAMC) data reflecting sales between 1997 and December 2012. Based on Fuel Consumption Guide ratings from Natural Resources Canada. Transport Canada approved test methods used. Your actual fuel consumption will vary based on driving habits and other factors use for comparison only. Buy Online: 50% off $15.00 Buy Online: 50% off $20.00 $15 FOR $30 TOWARDS PAN-ASIAN CUISINE AT SPRING ROLLS (LIME RIDGE MALL LOCATION) $20 FOR $40 TOWARDS FOOTWEAR AND ACCESSORIES AT FACTORY SHOE OUTLET 1 Brought to you by How to buy a WagJag: Go to www.wagjag.com 2 Click buy on the offer and follow the instructions. 3 Receive your deal, tell your friends and enjoy!