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Dollars & Sense 31 | Thursday, April 9, 2015 | OAKVILLE BEAVER | www.insideHALTON.com I nvesting complexity can be managed with a simple investing strategy, which starts with you; more speci cally, it starts with your age. Age guides you through all aspects of life and it is no different from how you manage your money. A starting point is to divide your life into three equal parts. We will assume your life expectancy is 90 years. The rst part of your life is from birth to age 30; second 30-60; and nal 60-90. To say you were a different person during these three different time periods is stating the obvious. You are an extremely different person and your investing strategy during these time periods should be different too. The rst 30 years of your life are required to build a base and that is all about accumulating human capital. Get a good education and some work experience and it is that solid base that determines your earning power in future years. Youth is the time to invest in your education. Your investment is time, effort and money, which will lay the foundation for your nancial future. A 30-year-old's currency is their human capital and the most important see Shifting on p.33 CONCRETE Age can guide decisions on investment Guest Contributor Peter Watson Colour! $9.99 Reg. $15.99 f ind your Pansy Tray Spring Watering Can Pl anter Now $29.99, Reg. $39.99 Spring Urn Planter Now $39.99, Reg. $49.99 llises, Colourful benches, tre 9.99 & bird baths Reg. from $9 brella, 10'Square Cantilever Um 9.99 Now $1299.99, Reg. $169 SAVE $400 NEW $29.99 Weeping Pussy Willow Standard Reg. $59.99 FIVE colours SAVE $150 $69.99 TERRA CARE Spring Cleanup Leave the hard work to us so you can do the fun part! Property/lot size up to 8,000 square feet EXPOSED AGGREGATE (Pebble) · DRIVEWAYS · STEPS · FRENCH CURBS · WALKWAYS · PATIOS · GARAGE FLOORS - 5 Gal., Evergreen Standards 9' Market Umbrella, .99 4 varieties, Reg. $129 .99 Now $229.99, Reg. $379 OPEN 7 DAYS A WEEK: Sat. - Wed. 9am - 6pm. Thurs. & Fri. 9am - 8pm All items while quantities last, subject to availability. Category offers exclude "TERRA Essentials" IX Slou rs co $199.99 Contact stores for details. uality At Its Best! Call Fernando Sale period: April 9th - 15th 905-844-5518 1-888-944-5518 www.concretetrimmings.com FREE ESTIMATES Waterdown, Burlington, Milton, Vaughan, and Hamilton www.terragreenhouses.com More than just plants...patio furniture, clothing, décor & more.