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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, January 22, 2015 | 20 ONTARIO ENERGY BOARD NOTICE Union Gas Limited has applied for approval to construct natural gas pipeline and to recover the costs of construction Learn more. Have your say. Union Gas Limited applied for approval to construct a natural gas pipeline to expand its transmission system in the Town of Milton and in the Town of Oakville, both in Halton Region. Union Gas also applied for approval to recover the costs of the expansion. A map of the proposed pipeline project is provided below. THE ONTARIO ENERGY BOARD IS HOLDING A PUBLIC HEARING The Ontario Energy Board (OEB) will hold a public hearing to consider the application filed by Union Gas. We will question Union Gas on the case. We will also hear arguments from individuals and from groups that represent the customers of Union Gas. At the end of this hearing, the OEB will decide whether to approve the application. The OEB is an independent and impartial public agency. We make decisions that serve the public interest. Our goal is to promote a financially viable and efficient energy sector that provides you with reliable energy services at a reasonable cost. BE INFORMED AND HAVE YOUR SAY You have the right to information regarding this application and to be involved in the process. You can: · review the application filed by Union Gas on the OEB's website now. · file a letter with your comments, which will be considered during the hearing. · become an active participant (called an intervenor). Apply by February 2, 2015 or the hearing will go ahead without you and you will not receive any further notice of the proceeding. · at the end of the process, review the OEB's decision and its reasons on our website. Most people don't have a nest egg continued from p.19 Less than two years ago, Target went from no stores to 133 major retail stores. From the start, this American giant's assault on Canadian soil was pretty well underwhelming with mistake after mistake. Most thought it would just be a matter of time for it to correct its errors and to prosper. Target would work its magic, invest more money and use its considerable abilities to turn its Canadian operation into a profitable division. No other option could be conceivable. Here is where it got interesting, with the most significant lesson to be learned in our own financial lives. It is not that Target got into trouble; because that can happen to us all. It is how it reacted. Above, we mentioned the solution to this type of sudden economic downturn was to have an emergency fund. In theory, that is what is needed. Unfortunately, theory and reality often are miles apart. Today, not only do most people not have money set aside for financial emergencies but they are living beyond their means and have far too much personal debt. There is no extra money available and personal debt reduces your financial options. The best solution and likely the only strategy for solving a financial problem is to make immediate and bold changes. What expenses can you stop and how can you generate more cash? Facing the problem and dealing with it is often the hardest but best solution. Imagine the different options Target considered. Closing all of its stores in Canada will cost Target hundreds of millions of dollars. A very bold move. Management must have felt that was the best option. A significant financial loss and dent in their solid reputation. Target acted swiftly and we assume it agonized over the many options available, but in the end, it made a tough business decision. Individuals can learn from this. If your personal financial circumstances suddenly are in decline, the best solution is to consider your options. Make whatever decisions that are necessary and make those decisions regardless of how difficult they are. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner LEARN MORE Our file number for this case is EB-2014-0182. To learn more about this hearing, find instructions on how to file letters or become an intervenor, or to access any document related to this case, please select the file number EB-2014-0182 from the list on the OEB website: http://www.ontarioenergyboard.ca/html/notice/index_ltc.cfm. You can also phone our Consumer Relations Centre at 1-877-632-2727 with any questions. ORAL VS. WRITTEN HEARINGS There are two types of OEB hearings ­ oral and written. The OEB will determine at a later date whether to proceed by way of a written or oral hearing. If you think an oral hearing is needed, you can write to the OEB to explain why by February 2, 2015. PRIVACY If you write a letter of comment, your name and the content of your letter will be put on the public record and the OEB website. However, your personal telephone number, home address and email address will be removed. If you are a business, all your information will remain public. If you apply to become an intervenor, all information will be public. This hearing will be held under sections 36 and 90(1) of the Ontario Energy Board Act, 1998, S.O. 1998 c.15 (Schedule B). Ontario Energy Board Commission de l'énergie de l'Ontario