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w w w .in s id e h a lto n .c o m | O A K V ILLE BEA VE R | Thursday, June 2 2 , 2 0 1 7 | 3 6 DEVELOPMENT CHARGES ACT, 1997 S.0.1997, c. 27 NOTICE OF THE PASSING OF BY-LAW NO. 36-17, BEING A BY-LAW TO ESTABLISH WATER, WASTEWATER, ROADS AND GENERAL SERVICES DEVELOPMENT CHARGES FOR THE REGIONAL MUNICIPALITY OF HALTON (BUILT BOUNDARY AND GREENFIELD AREAS) AND TO REPEAL DEVELOPMENT CHARGES BY-LAW NO. 48-12 AS AMENDED BY BY-LAW NO. 3-16 AND BY-LAW NO. 51-16. Schedule"B-1"to By-Law No. 36-17 REGION ^ IH a lto n halton.ca () 311 in Y ouiU H R D iv e rs ific a tio n c a nb rin g b igb e n e fits continued from p.34 Diversification means owning lots of different investments, in different in dustries, with different customers, and located in different countries. There are thousands of good invest ments that provide this type of diversi fication. Many investors concentrate their in vestments within one economy, which is to their detriment. Research in behavioral finance shows that investors experience far more pain with an investment loss, than they get financial satisfaction with a gain of an equal amount. In other words, they really dislike losing money more than they enjoy making it. They are lossadverse. But humans are also greedy. In theory, everyone should diversify. In practice, many don't because human behavior motivates us to pick `winners' and invest in those winning stocks. W hy buy a diversified portfolio when you can buy the 10 best investments? That is a contradiction. It' s hard to have an investment portfolio that sat isfies the two conflicting needs of lossaversion and greed. W hy have a safe portfolio when you really hope to be able to pick the next Apple stock and make a fortune? Just to refresh your memory, several years ago Apple was very close to going out of business. For those of you who do not diver sify your investments, why is that? We have seen lack of diversification decimate portfolio values in the past. That risk is real and ongoing. A strongly diversified investment portfolio will not negate your chance for financial success. As stated above, there is evidence that strongly diversified international portfolios produce higher returns with less risk. For those who do incorporate di versification, you have evidence and research on your side. For those who have concentrated positions, why do you choose to ignore all the benefits that strong diversifica tion offers? -- submitted by Peter Watson. Peter Watson is an agent of, and securities products provided by, Aligned Capital Partners Inc. (ACPI). ACPI is a member of the Investment Regulatory Organiza tion of Canada (www.iiroc.ca) and the Canadian Investor Protection Fund (ww. cipf.ca). Peter Watson provides wealth management services through Peter Watson Investments. BUILT BOUNDARY URBAN AND RURAL RESIDENTIAL DEVELOPMENT CHARGES PER DWELLING UNIT* Single and Semi Detached Dwelling Region-Wide (Urban and Rural): General Services: Growth Studies Police Paramedics Facilities Social Housing Waste Diversion Waterfront Parks $228.34 540.90 147.76 127.63 821.20 56.43 176.30 $172.16 407.83 111.41 96.23 619.17 42.55 132.93 $127.44 301.89 82.47 71.23 458.33 31.50 98.40 $109.23 258.74 70.68 61.05 392.82 27.00 84.33 $83.44 197.65 53.99 46.64 300.07 20.62 64.42 $71.82 170.12 46.47 40.14 258.28 17.75 55.45 Multiple Dwelling (3 or More Bedrooms) Multiple Dwelling (Less Than 3 Bedrooms) Apartment Dwelling (2 or More Bedrooms) Apartment Special Care/ Dwelling Special Need (Less Than 2 and Accessory Bedrooms) Dwelling Sub-Total Roads: Total (Urban and Rural) Specific Urban Charges: Water Wastewater $2,098.56 $16,826.72 $1,582.28 $13,446.01 $1,171.26 $9,770.23 $1,003.85 $8,245.42 $766.83 $6,352.56 $660.03 $5,257.95 $18,925.28 $15,028.29 $10,941.49 $9,249.27 $7,119.39 $5,917.98 $2,742.94 3,957.47 $2,183.68 3,142.12 $1,586.89 2,283.57 $1,344.48 1,940.18 $1,035.74 1,494.56 $857.60 1,237.83 Total Total Urban Charges Total Rural Charges $6,700.41 $25,625.69 $18,925.28 $5,325.80 $20,354.09 $15,028.29 $3,870.46 $14,811.95 $10,941.49 $3,284.66 $12,533.93 $9,249.27 $2,530.30 $9,649.69 $7,119.39 $2,095.43 $8,013.41 $5,917.98 * R e s id e n tia l d e v e lo p m e n t c h a r g e s a r e s u b je c t to in d e x in g in a c c o r d a n c e w ith s e c tio n 1 9 o f th e B y - la w ______________________________Schedule "B-2" to By-Law No. 36-17__________________ GREENFIELD URBAN AND RURAL RESIDENTIAL DEVELOPMENT CHARGES PER DWELLING UNIT* S in g le and Sem i D e ta c h e d D w e llin g M u lt ip le D w e llin g (3 o r M o re B e d ro o m s ) M u lt ip le D w e llin g (L e s s T h a n 3 B e d ro o m s ) A p a rtm e n t D w e llin g (2 o r M o re B e d ro o m s ) A p a rtm e n t D w e llin g (L e s s T h a n 2 B e d ro o m s ) S p e c ia l C a re / S p e c ia l N e e d a n d A c c e s s o ry D w e llin g R e g io n - W id e ( U r b a n a n d R u r a l) : G e n e r a l S e r v ic e s : G ro w th S tu d ie s P o lic e P a ra m e d ic s F a c ilitie s S o c ia l H o u s in g W a s te D iv e rs io n W a te rfro n t P a rk s S u b - T o ta l $ 2 2 8 .3 4 5 4 0 .9 0 1 4 7 .7 6 1 2 7 .6 3 8 2 1 .2 0 5 6 .4 3 1 7 6 .3 0 $ 2 ,0 9 8 .5 6 $ 1 7 2 .1 6 4 0 7 .8 3 111.41 9 6 .2 3 6 1 9 .1 7 4 2 .5 5 1 3 2 .9 3 $ 1 ,5 8 2 .2 8 $ 1 2 7 .4 4 3 0 1 .8 9 8 2 .4 7 7 1 .2 3 4 5 8 .3 3 3 1 .5 0 9 8 .4 0 $ 1 ,1 7 1 .2 6 $ 1 0 9 .2 3 2 5 8 .7 4 7 0 .6 8 6 1 .0 5 3 9 2 .8 2 2 7 .0 0 8 4 .3 3 $ 1 ,0 0 3 .8 5 $ 8 3 .4 4 1 9 7 .6 5 5 3 .9 9 4 6 .6 4 3 0 0 .0 7 2 0 .6 2 6 4 .4 2 $ 7 6 6 .8 3 $ 7 1 .8 2 1 7 0 .1 2 4 6 .4 7 4 0 .1 4 2 5 8 .2 8 1 7 .7 5 5 5 .4 5 $ 6 6 0 .0 3 R oads: $ 1 6 ,8 2 6 .7 2 $ 1 3 ,4 4 6 .0 1 $ 9 ,7 7 0 .2 3 $ 8 ,2 4 5 .4 2 $ 6 ,3 5 2 .5 6 $ 5 ,2 5 7 .9 5 T o ta l ( U r b a n a n d R u ra l) $ 1 8 ,9 2 5 .2 8 $ 1 5 ,0 2 8 .2 9 $ 1 0 ,9 4 1 .4 9 $ 9 ,2 4 9 .2 7 $ 7 ,1 1 9 .3 9 $ 5 ,9 1 7 .9 8 S p e c if ic U r b a n C h a rg e s : W a te r W a s te w a te r T o ta l $ 7 ,5 8 1 .8 0 8 ,9 6 6 .6 6 $ 1 6 ,5 4 8 .4 6 $ 6 ,0 7 9 .5 3 7 ,1 9 3 .6 3 $ 1 3 ,2 7 3 .1 6 $ 4 ,4 1 9 .8 1 5 ,2 3 0 .1 5 $ 9 ,6 4 9 .9 6 $ 3 ,7 2 3 .9 5 4 ,4 0 5 .6 6 $ 8 ,1 2 9 .6 1 $ 2 ,8 6 9 .3 2 3 ,3 9 4 .6 3 $ 6 ,2 6 3 .9 5 $ 2 ,3 6 9 .0 6 2 ,8 0 1 .7 6 $ 5 ,1 7 0 .8 2 T o ta l U r b a n C h a r g e s T o ta l R u ra l C h a r g e s $ 3 5 ,4 7 3 .7 4 $ 1 8 ,9 2 5 .2 8 $ 2 8 ,3 0 1 .4 5 $ 1 5 ,0 2 8 .2 9 $ 2 0 ,5 9 1 .4 5 $ 1 0 ,9 4 1 .4 9 $ 1 7 ,3 7 8 .8 8 $ 9 ,2 4 9 .2 7 $ 1 3 ,3 8 3 .3 4 $ 7 ,1 1 9 .3 9 $ 1 1 ,0 8 8 .8 0 $ 5 ,9 1 7 .9 8 * R e s id e n tia l d e v e lo p m e n t c h a r g e s a r e s u b je c t t o in d e x in g in a c c o r d a n c e w ith s e c tio n 1 9 o f th e B y - la w