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continued from p.12 The ratio of disposable income to debt is close to an all-time high, which shows many are at the upper limit of being able to afford their debt. If interest rates increase, balancing a family budget will be impossible for those who cannot increase their income enough to pay higher interest rate charges. There are an unprecedented number of firms that want to offer you credit. Some of those companies make far more on the credit financing Slow down the use of debt and benefit 13 | Thursday, July 3, 2014 | OAKVILLE BEAVER | www.insideHALTON.com Don't miss these, and other great deals! Visit Proudly Canadian than on the actual sale of a product or service. The current low interest rate is a tempting trap that lures you into financing for items you likely do not even need to purchase. Debt needs to be repaid at some point and quite often with interest. Our strong recommendation is to continue the encouraging signs of slowing down the use of debt. We will all benefit from your actions. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner Follow us: @wagjag facebook.com/wagjag Buy Online: 72% off $25.00 McTavish Travel On 05 MAY14, in Barcelona, Spain, Windstar Cruises christened their new power yacht, Star Pride. The beautiful, small vessel formerly the Seabourn Pride, has been renovated from stem to stern to create a casually elegant atmosphere that echoes the warm, contemporary style of the current three sailing ships in the Windstar fleet. Most public areas now have updated décor with new furnishings, upholstery, lighting, window treatments, carpeting and more. All 106 suites, some with small balconies, have been completely refurbished. The ship now features a signature Yacht Club on the top deck serving coffee, refreshments and snacks and the water sports platform has been revitalized, Windstar-style and now offers a variety of water toys such as water skis, wakeboards, kayaks and paddleboards. The Star Pride's inaugural season will be spent sailing the Mediterranean, the Aegean and the Black Sea. In autumn, the yacht will sail to Arabia and then on to Southeast Asia commencing with three new voyages in December 2014. Two additional power yachts will join the Windstar fleet in 2015 ­ the Star Legend and the Star Breeze, both former Seabourn small ships. windstarcruises.com $25 FOR A BLUETOOTH WATERPROOF SPEAKER FROM MAZE EXCLUSIVE (A $90 VALUE) WELCOME STAR PRIDE Beaches Resorts has brought back its popular Single Parent Fun (SPF) Months for 2014. Single parent families who book a minimum three-night stay at any of the three Beaches resorts ­ Beaches Negril Resort & Spa, Beaches Ocho Rios & Gold Club in Jamaica or Beaches Turks & Caicos Resort Villages & Spa in Turks & Caicos now through 30SEP14, for travel between 01-30SEP14 will be treated to a variety of special events and a waived single supplement of up to USD220 per night. During SPF months, participating families will be invited as special guests in the popular weekly Caribbean Adventure with Sesame Street Parade where they will receive noise-makers, decorations and party favours. Additionally, parents can meet other single parent families during Kinect for Xbox 360 Family Game Night where they will have chances to win exciting prizes. When the sun goes down, watching a movie on an inflatable floating screen at Dive-In Movie nights offers plenty of fun, as does Movie Under The Stars nights during which film buffs can watch their favourite flicks while wiggling their toes in the sand. Other exciting activities include: Family Beach Bonfires; Beach Olympics; Island Style Tie & Dye Classes; Parent and Child Pizza Making; Tennis Lessons and Sand Castle Building contests. Call us for details. beaches.com SINGLE PARENT FUN MONTHS Buy Online: 50% off $12.50 Buy Online: 84% off $39.00 $12.50 FOR $25 TOWARDS HOMESTYLE ITALIAN CUISINE AT NONNA'S CUCINA RISTORANTE IN BURLINGTON UP TO 89% OFF MICRODERMABRASION SESSIONS PLUS ENZYME PEELS AT HERITAGE WAY MEDICAL SPA Suite 300, South Oakville Centre · 1515 Rebecca Street, Oakville 905.827.1100 travel@mctavish.com www.mctavishtravel.com 1 How to buy a WagJag: Go to www.wagjag.com 2 Click buy on the offer and follow the instructions. 3 Receive your deal, tell your friends and enjoy! Ont Reg No 1437985 Brought to you by Our Biggest Sale Of The Year Buy One, Get One FREE* June 16 - July 6 On Any Gallon of Dulux® Paints Manufactured Products © 2014 PPG Industries, Inc. All rights reserved. Dulux is a registered trademark of AkzoNobel and is licensed to PPG Architectural Coatings Canada Inc. for use in Canada only. The Multi-Colored Swatches Design is a trademark of PPG Architectural Finishes, Inc. Learn more at Dulux.ca Oakville - 500 Speers Road · 905-842-1163