in si de ha lto n. co m O ak vi lle B ea ve r | T hu rs da y, S ep te m be r 12 ,2 01 9 | 16 Connect Hearing and Professor Mark Fenske at the University of Guelph are seeking participants who are over 50 years of age, have never worn hearing aids and have not had a hearing test in the last 24 months, for a hearing study that investigates factors that can influence better hearing. Study Parameters The researchers will examine listening in a range of situations, from one-on-one, to group conversations, watching TV and wider social contexts like supermarkets and other noisy environments, and how it effects connection and socialization. Why Participate? It is estimated that 46% of people aged 45 to 87 have some degree of hearing loss, but most do not seek a solution right away. In this study you'll be playing an important part in determining the key factors around identifying hearing loss and what influences the decision to seek treatment. *Wingfield, A., Tun, P. A., &McCoy, S. L. (2005). Hearing Loss in Older Adulthood:What It Is and How It InteractsWith Cognitive Performance. Current Directions in Psychological Science, 14(3), 144-148. † Study participantsmust be over 50 years of age and have never worn hearing aids. No fees and no purchase necessary. Registered under the College of Speech andHearingHealthProfessionalsofBC.VAC,WCBaccepted.1. Cruickshanks,K. L.,Wiley, T. L., Tweed, T. S., Klein,B. E.K., Klein,R,Mares-Perlman, J.A.,&Nondahl,D.M. (1998).PrevalenceofHearingLoss inOlderAdults inBeaverDam,Wisconsin: TheEpidemiologyofHearingLossStudy.Am. J. Epidemiol. 148 (9), 879-886.2.National InstitutesofHealth. (2010). You can register to be a part of this major new hearing study† by calling: 1.888.242.4892 or visiting connecthearing.ca/hearing-study Major University seeks participants for national hearing study. The first rule of investing is to do the math. Put simply, when you save your money and make invest- ments, what you're doing is con- structing a simple puzzle. Each part of the puzzle fits together. The same is true for your long-term saving and investing efforts - everything should fit to- gether to achieve your financial objectives. For that, I suggest doing some easy arithmetic to better under- stand how to be successful. For example, assume that you're planning for your retire- ment. There are a few calcula- tions that would be useful to en- sure your success. If you have a financial advis- er, you can request assistance. Or, if you self-manage your in- vestments, there are online tools that can assist you. There are two main parts to calculating what you need to achieve your retirement objec- tive. First, determine how much investment capital is needed at the beginning of retirement. At what age do you plan to retire, and what is the length of retire- ment you're planning for? How much money do you need your retirement funds to provide every year? At this point, you have a retirement sav- ings target. The second calculation is how to reach your retirement savings target. This will be a result of several things. What you have saved to date, and how much will you save on an annual basis. Then estimate what rate of return you will earn on those savings. Having the discipline to save regularly can be difficult. How much you regularly save should be a combination of how much you can afford to save and how much you need to save. The final decision to your sav- ings plan is deciding the alloca- tion between stocks and bonds. Stocks will most likely provide a higher return over time, but you should expect normal volatility in the value of your investments. A little arithmetic is neces- sary to plot your course to achieving your financial objec- tives. Peter Watson is registered with Aligned Capital Partners Inc. (ACPI) to provide invest- ment advice. Investment prod- ucts are provided by ACPI. ACPI is a member of the Investment Industry Regulatory Organiza- tion of Canada (IIROC). The opinions expressed are those of the author and not necessarily those of ACPI. Peter Watson provides wealth management services through Peter Watson Investments. OPINION WHEN INVESTING, YOU NEED TO DO THE MATH DISCIPLINE SOMETIMES DIFFICULT, WRITES PETER WATSON PETER WATSON Column There has been a temporary delay in activating school bus vid- eo surveillance cameras, a prac- tice that was supposed to begin with the new school year. Both the Halton District School Board (HDSB) and the Halton Catholic District School Board (HCDSB) have adjusted their school video surveillance policies to include the school bus environment. "The delay in turning on the cameras is because we are wait- ing for the information privacy commissioner (IPC) to finalize a review of our practice," said HDSB communication manager Marnie Denton, adding the board hoped the review would be com- plete by now. The IPC may make some rec- ommendations, which the board would want to consider. Once the review is complete, parents will be advised that the cameras are being turned on, she said. An email sent to parents and guardians of students at the end of the school year last June stated that personal information re- corded by the cameras - which will record while students are en- tering and exiting the buses and while en route - is collected under the authority of the Education Act and in compliance with the Municipal Freedom of Informa- tion and Protection of Privacy Act. "School buses are an exten- sion of the school day and the stu- dents are responsible to the prin- cipal for their behaviour on the bus," said Karen Lacroix, general manager, Halton Student Trans- portation Services. "The only time we'd be looking at any type of video surveillance, would be if something needs to be substantiated or confirmed," she said. Incidents aboard buses are not increasing, however, what is in- creasing is "he said, she said" is- sues "and not being able to con- firm what really occurred," add- ed Lacroix. EDUCATION VIDEO SURVEILLANCE ON SCHOOL BUSES DELAYED