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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, June 23, 2016 | 12 SALES PERIOD | June 23 - 29, 2016 SHOP EARLY FOR THE LARGEST SELECTION 4 WEEK SALE WHERE SAVINGS GROW! Dollars & Sense Peter Watson 40% OFF June 23- July 6 A JU ST ADD CO Will Apple be your future bank? pple Pay has made a signi cant step towards becoming your bank. This is just the beginning. The largest Canadian banks have negotiated an arrangement with Apple that allows Apple Pay to participate in retail purchases of $100 or less. Customers will need a recent iPhone or Apple Watch to participate. They can store their credit card and debit card information on their smartphone and no longer need to carry plastic bank cards. Welcome to the age of the "digital wallet." The convenience factor is important to everybody, particularly younger millennial shoppers. As an added bonus security will be enhanced. Apple will bene t from this evolution in many ways. It receives a small fee every time a transaction is completed. Approximately 38 per cent of Canadians use an iPhone. Now, those customers who have an older model will be encouraged to upgrade to be able to participate in Apple Pay. The most signi cant aspect of this new arrangement is Apple has strategically placed itself between the bank and the banks' customer. The tech company has a big appetite and our view is they will want to expand their services, and the fees generated, in the future. Our capitalistic world is changing every day and there are companies that are aggressively attempting to disrupt how business is transacted. A good example is how Uber has revolutionized the taxi industry. There is a lot of speculation about the future of Apple. Many think it hopes to revolutionize cars, health care and nancial services. The advantage Apple has over banks is technology and innovation. Customer preference is to have products that are simple to use, safe and enjoyable. That has been the magic of Apple. Banking has been around for centuries. Customer needs and preference will push the banking industry to be better. Being better will involve using technology and many anticipate Apple is in a better position to provide that technology than established banks. Apple has started to muscle its way into the nancial services business in other parts of the world too. The U.S. and U.K. have previously allowed Apple to become part of the retail payment process. The big winner as a result of retail banking payment options is the customer. Customers always bene t from competing rms trying to improve their service. One of the reasons we complain about the high cost of cellphone service and cable television is because there is not enough competition. Lack of competition means the power lies with the distributor. Canadian consumers have just had a banking upgrade. Now, we will have banks competing for our business, as well as Apple, and other tech rms, attempting to participate in the lucrative area of nancial services. Canadians want the best banking service they can nd. Good services at a reasonable price. The only unknown is will banks be able to adjust and survive or will they be pushed aside by tech savvy rms like Apple? -- Submitted by Peter Watson of Peter Watson Investments and Aligned Capital Partners Inc., MBA, CFP , R.F .P ., CIM, FCSI., Certi ed Financial Planner Guest Contributor 50% OFF July 7-13 3 gal 60% OFF July 14-20 R U LO No rain-checks or layaways. Selection may vary from store to store. Product with sale tag or clearly signed are sale items. Nursery warranty - 1 full year for value of purchase price. FLOWERING TREES & STANDARDS | FLOWERING SHRUBS ANNUALS | PERENNIALS | PLANTERS | HANGING BASKETS OUTDOOR POTS | HOME DECOR | PATIO FURNITURE | ROSES VINES | 10" TROPICAL PLANTS | EVERGREENS | ANNUAL GRASSES DOOR CRASHER SPECIALS FRIDAY, SATURDAY & SUNDAY starting at 8:00 am while quantities last! 15 Hills or Wards YEW 00 $2499 SAVE 2 gal Assorted Reg. $39.99 FRIDAY DOOR CR ASHER 7 gal Neon Baby 100 per store T H E G RE A TG 899 Reg. $24.99 HOST HOSTA SAVE $16 T H E G RE A TG 2 gal Stella d'Oro SATURDAY DOO R CRASHER 2 gal Knock Out 150 per store 800 Reg. $19.99 DAYLILY $1199 SAVE SUNDAY DOOR CR ASHER 7 gal 150 per store T H E G RE A TG 3999 40 cm, Ontario grown. BLUE SPRUCE SAVE $60 Reg. $99.99 FRIDAY DOOR CR ASHER 75 per store T H E G RE A TG AR D EN OPEN 7 DAYS A WEEK Monday - Friday 8 am - 8 pm | Saturday/ Sunday 8 am - 6 pm HAMILTON 340 Hwy 20 R.R. 1 East of Upper Centennial (905) 692-6900 | BURLINGTON Hwy 5 East of Brant St. (905) 332-3222 MILTON Britannia Rd. West of Trafalgar (905) 876-4000 | WATERDOWN Hwy 6 & 5th Concession East (905) 689-1999 VAUGHAN Keele St. North of Kirby Side Rd. (905) 832-6955 All items while quantities last, subject to availability. Category offers exclude "TERRA Essentials". AR D EN AR AR D EN D EN E V E NT E V E NT E V E NT 10 ROSES 00 $1499 SAVE Reg. $24.99 SATURDAY DOO R CRASHER 150 per store T H E G RE A TG 89 Reg. $179.99 JAPANESE MAPLE SAVE $90 99 SUNDAY DOOR CR ASHER 75 per store T H E G RE A TG AR AR D EN E V E NT D EN E V E NT E V E NT www.facebook.com/YourTERRA/ www.terragreenhouses.com