www.insideHALTON.com | OAKVILLE BEAVER | Thursday, May 14, 2015 | 32 905.338.5721 Auto Servi ce · Scheduled Maintenance · Fuel Injection · Computer Diagnostics · Transmission & Clutches Accredited Test · Front & Rear End Work & Repair Facility · Electrical · Windshield Repair/Replacement · Shocks & Struts QEW · Air-Conditioning · Brakes Wyecroft · Tune-Ups JNB · Engines · Tires · Wheel Alignments · Oil & Fluid Changes Weller Ct. Insurance Claims Collision Repair Auto Body & Paint Anticipate future decisions and plan, save accordingly continued from p.27 ters. Most people know what they need and a lot fewer actually have their affairs in order. It is not that these nancial issues are that daunting. They are not. The culprit is procrastination and procrastination has a nancial cost. If the procrastination bug has caught you, what are some personal strategies to encourage you to get off the "proverbial fence?" There are several. · Question the things you do: Ask yourself if there could be an improvement in any area of your nancial life. Make your own Top Ten list of what you could do now that would be bene cial. · Questions to ask: Are you saving enough? Are your investments tax-ef cient? Are your investment fees too high? Are you being paid fairly for the work you do in your employment? Should you start your own business? Realize decision-making is part of everyday life. People make decisions. Try and anticipate what decisions are ahead. For example, congratulations on having a baby. Do you realize a four-year university degree will cost $100,000 in today's dollars? How can you assist your child with that cost unless you start now with a saving strategy, well in advance of when your child will potentially attend university? Families who have several children should be reminded the cost of a post-secondary education is huge. Often in life it is the simple things that matter. This same principle applies to just avoiding procrastination and if something is worth doing, just doing it. Many areas of managing your nancial affairs are very simple. Focus on the realities of what should be done and avoid the human tendency to procrastinate. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certi ed Financial Planner Auto Body ruS A uSed 0c d n 0A p From $2,0 www.jnbautocenter.com Dorval Dr. 294 Wyecroft Rd., Oakville Monday-Friday 8-5 Saturday 8-1 Follow Oakville Beaver staff on Twitter: @Oakville_Beaver, @NewsHooked, @DavidLea6, @Beaversports or @Halton_Photog at 55 ! y a D ia r o t ic V n e p O 8 aM - 6 Monday, May 18 pM Growers of quality plants since 1960 · Annuals · Perennials · Shrubs · Evergreens · Rose Bushes · Cacti & Succulents · Tropical Plants · Houseplants · Bonsai · Orchids · Soil & More Ceramic, Clay, Rattan, Fiberglass & more Tropical Palms & Flowering Hibiscus Trees All Pots 10" Large Geraniums 25 1 OFF % 20 OFF % $ reg $13.99 ea 10 All 3.5" Vegetables & Herbs (excludes Rose Bushes) Shrubs, Trees, Evergreens, Perennials & Vines 6" Coleus Trafalgar Rd. 20 it's gardening time grow row w with us $ 79 reg $2.59 ea OFF % $ 99 reg. $5.99 ea 3 Gift Certificates available Sale starts: May 14th - 20th, 2015 Hours: Monday-Friday 9AM-8PM Saturday & Sunday 8AM - 6PM MILTON Hwy. #401 MISSISSAUGA Britannia Rd. Eglinton Ave. 5558 Trafalgar Rd Between Britannia Rd. & Eglinton Ave./Lower Base Line www.jadegardens.com 905-878-0722 Lots of other in-house specials 5558 Trafalgar Road Hornby, ON (5 mins. north of Hwy. #5) Hwy. #5 OAKVILLE