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Investing success takes math and a game plan for the future continued from p.12 For example, you and your advisor might look at charts and graphs or study the past performance of mutual funds. That's great, but what is the purpose of doing this? How does that show you your path to financial success? Regrettably, the world of investing is not that simple. Real life is harder and requires comprehensive thinking skills. Our recommendation is that you focus on yourself. Your success is based more on what you do where you have the advantage of acting pro-actively. For those who have read my previous columns, you will know I am a strong believer in completing cash flow projections to achieve your financial objectives. These projections should be done at least every year. Not to oversimplify the investment world, but success is based on simple arithmetic. Now that arithmetic is done by computers, all you have to do is input the data. What is your target? Is it paying down debt, assisting your children with the high cost of a university education or planning for retirement? For many, your financial objectives will be a combination of more than one specific objective. Calculating how much you can save is a useful exercise when setting your priorities. How much can you save, how much should you save and how much will you save? Saving is real and unfortunately there is no crystal ball for charting your exact course on investing. However, there are certain guidelines that can be useful. Stocks will most likely continue to do better over time than bonds but they are riskier in the short term. If time is on your side, stocks might be appropriate. However, if your child is going to university next year, you might be better served if any stock investments are moved to a less volatile bond investment. Our recommendation is that you use your ability to think as your guide. Do cash flow projections annually to measure your progress and help chart the course of future saving and investing. Focus on what is most important. Ignore the noise that circulates throughout the investment world and focus on you. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner 13 | Thursday, July 24, 2014 | OAKVILLE BEAVER | www.insideHALTON.com HAIR LOSS? EXPERIENCING Are you a woman verso Speak to us about our revolutionary Robotic Hair Transplant Surgery. Incredibly natural looking results, scar free, with no plugs and no stitches. COME JOIN US THIS SATUR RDAY Y! July 26, 2014 10am-12pm! Call VERSO to arrange a consultation with Dr. Jack Kolenda M.D. FRCS (C) and to learn more about this procedure. Verso uses the latest technology for the best results TIP O RT PE D OR ST OTOLARYNGOLOGY HEAD AND NECK SURGERY ES RE NC E AT W RF BR ON TE TRE RO AD VOR DR WOB CR URN S FACIAL PLASTIC SURGERY E IDG BR RD OPEN HOUSE! 2488 Trevor Drive, Oakville Come see the real thing! Meet a sales expert! verso SURGERY CENTRE VISIT OUR EXCLUSIVE CLINICAL SPA AND DISCOVER OUR NEW MEDICAL SKINCARE LINE BACKED BY SCIENCE: SKINCEUTICALS Get an estimate over the phone 905.973.8022 877.707.7427 naturallightpatiocovers.com 1148 Winston Churchill Blvd Unit B4 Oakville Tel 905-849 7560 Fax 289-295 0113 www.versosurgery.ca