The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

www.insideHALTON.com | OAKVILLE BEAVER | Thursday, September 19, 2013 | 24 continued from p.23 Begin with your business strategy. Determine what you want to achieve and how that will be accomplished. As we have often stated in previous columns, the primary financial objectives people have are eliminating debt, helping the children with the costs of post-secondary education and affording a comfortable retirement. Once you have articulated your own objectives you have to determine the required skills and hire someone to help you run the business. Actively managing `FamCo' can net more success You are entirely responsible for the leadership decisions. The employees' skills should exceed or fill in your, the owner's, missing skill gaps so you delegate, but the team members report to the owner/manager. Similarly, when hiring an investment adviser, try to specify the skills that person must have. Investment advisers have a wide range of expertise and skills. It is important that your selection meets your specific needs. Continue with the staffing question by considering the skills of various family members. Often one spouse takes a lead in financial decisions. The other spouse may not have the interest or expertise in investing but they may have strong opinions on the outcome. They may contribute by setting specific targets on what they hope to achieve. By actively managing FamCo versus passively being involved and sometimes ignoring investments, you have a better opportunity at being successful. Investing problems can originate from inadequate or poorly delivered information. Statements may not properly inform you of investment performance. Sometimes the huge discounts for wholesale accounts!! investment language is confusing. Too much talk is investment focused and not about your specific goals and whether those goals will likely be achieved. FamCo can be your opportunity to successfully change the way you manage your investments. Use the family business approach to take charge of your investments and maintain better control in achieving your family goals. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner AP PLE BY 5115 HARVESTER RD · Burlington 991 BARTON ST. E. · Hamilton 905-544-2444 Mon-Fri : 8am - 5pm; Sat 8am -2pm LIN H E ES BURLINGTON v AR TE RR d. x BAR TON ST. E . x HAMILTON Alternator Starter Radiator off we will beat any advertised price by 5% guaranteed 20% CV Shaft off 20% Economy off 25% Economy off Ball Joint 20%off 30%off Economy Moog Premium Brake Pads 15% 20% Monro-Matic Plus off 35%off Blower Motor Ceramic Pads Wagner Premium off off Brake Rotors or Drums Hub Bearing Special Assembly Economy off Moog 30% 20%off 35%off Monroe Quick-Strut Strut Assemblies Wagner Premium 20% 25%off Shocks & Struts 22%off 20% 20% Monroe Sensa* Trac off Wiper Motor 20%off 15%off $ DUE AT DELIVERY $ 0 2014 CRUZE LT TURBO FIRST PAYMENT IT'S ON US LIMITED TIME LEASE PROMOTION $ 0 DOWN PAYMENT $ 0 SECURITY DEPOSIT $ $ 0 2 YEARS OR 40,000 KM NO CHARGE LUBE, OIL & FILTER 239 @ O.5 MONTHLY. $0 DOWN PAYMENT. TAXES NOT INCLUDED FOR LEASE OFFER SPECIAL % LOADED · 6-SPEED AUTOMATIC TRANSMISSION · AIR CONDITIONING · TURBOCHARGED ECOTEC ENGINE · BLUETOOTH® WITH AUDIO STREAMING · CRUISE CONTROL · ONSTAR® NAVIGATION · POWER WINDOWS & LOCKS · BEST-IN-CLASS SAFETY+ WITH 10 AIRBAGS 48 MONTHS 54 MPG 5.2 L/100 KM HWY 7.8 L/100 KM CITY LTZ SHOWN HIGHWAY TO GUARANTEE OUR QUALITY, WE BACK IT Whichever comes first. See dealer for limited warranty details. 160,000-KM/5-YEAR POWERTRAIN WARRANTY VEHICLE PRICING IS NOW EASIER TO UNDERSTAND BECAUSE ALL OUR PRICES INCLUDE FREIGHT, PDI AND MANDATORY GOVERNMENT LEVIES. Prices do not include applicable taxes and PPSA. Consumers may be required to pay up to $799 for Dealer fees.*** For the latest information, visit us at chevrolet.ca, drop by your local Chevrolet Dealer or call us at 1-800-GM-DRIVE. Based on a 48 month lease for 2014 Chevrolet Cruze LT Turbo 1SA+MH8. Annual kilometre limit of 20,000 km, $0.16 per excess kilometre. OAC by GM Financial. Monthly payments may vary depending on down payment/trade. A down payment or trade of $0 and/or $0 security deposit is required. Total obligation is $11,480. Option to purchase at lease end is $9,964. Excess wear and tear and km charges not included. Other lease options available. /***Freight & PDI ($1,600), registration, air and tire levies and OMVIC fees included. Insurance, licence, PPSA, dealer fees and applicable taxes not included. Offers apply as indicated to 2014 new or demonstrator models of the vehicle equipped as described. Offers apply to qualified retail customers in the Ontario Chevrolet Dealer Marketing Association area only (including Outaouais). Dealers are free to set individual prices. Quantities limited; dealer order or trade may be required. Limited time offers which may not be combined with other offers. GMCL may modify, extend or terminate offers in whole or in part at any time without notice. Conditions and limitations apply. See dealer for details. ®Bluetooth is a registered trademark of Bluetooth SIG Inc. ®Visit onstar.ca for coverage map, details and system limitations. Services vary by model and conditions. +Based on WardsAuto.com 2012 Upper Small segment, excluding Hybrid and Diesel powertrains. Standard 10 airbags, ABS, traction control and StabiliTrak®. 2014 Chevrolet Cruze LT Turbo equipped with standard 1.4L ECOTEC I-4 engine and 6-speed automatic transmission. Fuel consumption ratings based on GM testing in accordance with approved Transport Canada test methods. Your actual fuel consumption may vary.2014 Cruze LTZ, MSRP with freight, PDI & levies $28,489. Dealers are free to set individual prices. Offer valid only to eligible retail lessees in Canada who have obtained credit approval by GM Financial, have entered into a lease agreement with GM Financial, and who accept delivery from September 4, 2013 through September 30, 2013 of a new eligible 2014 MY Chevrolet Cruze or Traverse; 2014 MY Buick Enclave; 2014 MY GMC Acadia; 2014 MY Cadillac; or 2013 MY Cadillac. General Motors of Canada will pay the first month's lease payment (inclusive of taxes and any applicable pro-rata amount normally due at lease delivery as defined on the lease agreement). After the first month, lessee will be required to make all remaining scheduled payments over the remaining term of the lease agreement. This offer may not be redeemed for cash and may not be combined with certain other consumer incentives available on GM vehicles. General Motors of Canada Limited reserves the right to amend or terminate this offer, in whole or in part, at any time without prior notice. Void where prohibited by law. Additional conditions and limitations apply. See dealer for details. ONTARIOCHEVROLETDEALERS.COM OTT AWA ST