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12 + WATERLOO CHRONICLE + Wednesday, February 20, 2008 www.waterloochronicle.ca EVENTUALLY, WE ALL WORRY ABOUT actually need. And how to pull it â€" M @Em BR HRA %mI i mss 9 6 together or catch up if you got a late start. Retirement planning is like budgeting fa"*jfafl-\year adventure. You need to predict a few costs and make a few choices. You need commissionâ€"free advice to figure it out. And you need a committed investment expert to coach you along. Replace worry with confidence, trade in questions for answers. Everyone is welcome to a retirement without fear. But what really causes Kitchener 519â€"570â€"9955 1170 Fischer Hallman Rd causes the stress'? p * how . much you‘ll And how to oull it Now that I have you excited, think would be a result of some careful planâ€" about how you would spend that ning, price checking and prioritizing sc money. Would you buy a single expenâ€" that you are ultimately satisfied with sive item or a number of less expensive your purchases. items? Our financial friends might call this Would your purchases reflect your budgeting. Certainly this kind of conâ€" "needs," such as items for your home duct wouldn‘t fit under the term and family, or would you treat yourself "impulse buys." to some "wants" that you‘ve had your The budgeting concept can be Imagine for a moment that you‘ve been given a $1,000 gift certificate to spend as you wish. Making a budget for your health Waterloo 55 Northfield Dr E 519â€"744â€"1031 eye on? More than likely, you would end up with a mixture of all of the above. This would be a result of some careful planâ€" ning, price checking and prioritizing so that you are ultimately satisfied with your purchases. One, the invention of labourâ€"saving devices has reduced our caloric budget to extremely low levels. Think of the amount of physical labour you perform in a day both at work and at home with that of your grandparents when they were your age. Our generation doesn‘t have to do physically intensive jobs in order to survive, so our budget of caloâ€" ries is much lower. Secondly, we are surâ€" rounded by foods that are calorie expensive. x Thus, exceeding our daily budget usually goes overlooked until our clothâ€" ing feels a bit snug or the scale has increased another few pounds. Add to this the availability of calorie expensive foods, huge portion sizes and lack of regular deposits in the form of physical activity â€" no wonder many of us are well over our calorie budget. So if it comes down to budgeting calories, why is it so difficult to lose weight or prevent weight gain? The answer is twoâ€"fold. Being stingy with our calories is nearly impossible when eating at restaurants, eating on the run or choosâ€" ing prepackaged foods. Thus even our best intentions can be thwarted by the temptation of taking the elevator and You can find out your daily caloric budget at HealthyWeights.ca/calc.php. Why is it so hard to budget our daily calorie intake? The greatest challenge is that our caloric bank account has, for lack of a better term, substantial overdraft proâ€" tection. applied to our daily caloric intake. Each of us has a daily budget of calories required to maintain a healthy body weight and in order to stay within our budget we must carefully balance our "wants" and "needs" through planning, label reading and prioritizing. Mercedes Benz Dealer Authorized Specializing In BMW PORSCHE JA« Meticulous Restoration Original Paint Finishes Unsurpassed Collision Repair 15 Centennial Dr. Kitchener FINE AUTOMOBILE BODY AND PAINT Mkhikth 519â€"578â€"2052 Continued on page 15 JAGUAR