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

www.insideHALTON.com | OAKVILLE BEAVER | Thursday, July 25, 2013 | 14 Staged changes will be welcomed, but are long overdue continued from p.12 This will be welcomed by the millions of Canadians owning mutual funds because currently, the fee disclosure for mutual funds is extremely poor. In July 2016, investors will receive annual reports on charges, other compensation and investment performance. We agree with this because it allows an investor to see the investment performance on the same page as the cost to achieve those results. The Chair of the Canadian Securities Administrators said research shows how investors across Canada lack vital information about the cost and performance of their investments. He correctly reaffirmed what investors have said for years. The disclosure initiative is a significant step -- the changes are positive, but are long overdue. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner wa r E H O u S E Sa l E ScARbOROugH TOwN cENTRE AND wOODbINE PlAzA The Traveler's Guide to The Oakville Waterfront Festival The Oakville Waterfront Festival is one week away! "The entire Festival committee is excited for opening night" said Bill Smith, Chair of Celebrate Oakville Festivals, the organizing body behind the return of OWF . This year the Festival is proud to offer Oakville Transit shuttle buses to and from Coronation Park. Shuttle buses will be departing every 10 minutes from Oakville Go and Bronte Go all weekend long. Shuttles will commence on Friday August 2nd starting at 6:30pm. Saturday and Sunday, August 3rd and 4th the shuttle service will begin at 9:30am. Bus fare for the Oakville Waterfront Festival shuttles will be $2 per person, children 5 and under are free. Shuttles departing from Coronation Park returning to both Go stations are free! Guests are also encouraged to ride their bike to the event and park them in the Willson International sponsored bike corral. "Take advantage of the summer weather and ride your bike to the festival, there will be plenty of room to store your bike inside the festival grounds" said Smith. Parking will be extremely limited in the event zone, so festivalgoers are encouraged to utilize these alternate means of transportation to the event. For more information please visit: www.oakvillewaterfrontfestival.ca Connect with the festival today: Twitter- @OWF2013 Facebook- Oakville Waterfront Festival M A T T R E S S E S, FurNITurE & MajOr applIaNCES 80% OFF 60% off 40% off uP TO 80% off selected mattresses SEalY, BEauTYrEST, SErTa and STEarNS & FOSTEr selected furniture Plus, 60% off Twins from $218.99 Queens from $274.99 Kings from $378.99 leather sofas from $719.99 upholstered sofas from $478.99 selected major appliances BOSCH, GE, FrIGIDaIrE, KITCHENaID and more selected patio furniture Fridges from $382.99 ranges from $486.99 Dishwashers from $486.99 24 EASY PAYMENTS ­ NO ADMIN FEE ­ 0% INTEREST FOR 24 MONTHS On all furniture, major appliances, mattresses and home entertainment when you use your Hudson's Bay MasterCard® or your Hudson's Bay Credit Card. Minimum purchase $499 (excluding taxes). Delivery charges and taxes are payable up front. On approved credit only. Equal monthly payments required. See below for details. Shop thebay.com twitter.com/thehudsonsbayco facebook.com/hudsonsbaycompany b-insider.com Special Payment Plans are available on approved credit with your Hudson's Bay MasterCard or Hudson's Bay Credit Card on the identified items. Not applicable in Quebec. If you default under your payment terms or under your Hudson's Bay Account Agreement, then the terms and annual interest rate are set out therein. The billing period covered by each statement will be approximately 30 days. For full details, go to http://paymentplanhbc.com, call 1-800-263-2599 or see a store associate. Hudson's Bay, Hudson's Bay Credit, hbc.com and their associated designs are trademarks of Hudson's Bay Company. Credit is extended by Capital One Bank (Canada Branch). Capital One® is a registered trademark of Capital One Financial Corporation. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. All marks used under licence. All rights reserved.