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AUTOS FOR SALE MERCURY MONARCH AM cassette miles or best i COUGAR very good condition low jest Call Ken CHRYSLER NEW YORKER Avenue Edition ml grey Hat good condition 00 O 1977 TOYOTA CELICA hatchback speed recently certified or best offer 853 I V6 AM FM cassette stereo ex condition new MIchellns or Wa 7050 One owner door a new tires cs CORDOBA miles front end domag or best offer dr cyl 4 spd radial tires PONY Deluxe speed excellent condi stereo cassette low mileage IB new asking 453B9 cs JEEP Renegade as is good for snow plowing Call after es MAZDA speed 5 door AM cassette Excellent con dlllon Phone es REGAL door vB medium blue certified make an 1975 PARI SIENNE or best Call after GM CAMPER Dual rear wheels rebuilt rebuilt trans excellent Condition CS BUICK REGAL LTD loided one owner excellent certified 5427 cs 77 CHEV CAPRICE CLASSIC snows on rims runs well as Is 1978 DODGE OMNI power steer or offer Certified even or weeke HYUNDAI PONY G km auto p sunroof am cassette excellent condition 73 CUTLASS Body good condition some frame for Tom es GRENADA new conditioning ps rebuilt engine certified os MAZDA mileage am Im cassette one owner certified cs ACADIAN door automat c condilion will certify SI es DODGE ASPEN 318 as is or for parts AUTOS FOR SALE lilt March Pa fit 1980 MUSTANG AM paint res SI PHONE 8532696 LcBai of p p Alpine stereo transmission HORIZON con dition new tires new clutch and transmission etc S3 Call after 6 weekends Mike es DODGE p AM ST km certified reason Illness 1903 door standard radio 73 miles SI or best of les GRANADA excellent condition new brakes good exhaust tires battery one owner or restoreil50 es 1976 FORD ton pick with cap auto to new fenders reflnishcd it ccr titled es PARI SIENNE WAGON ex condition llr stereo cruise ps b many extras certified es 1975 YAMAHA many accessories best oiler ask lor Barry MUST SELL with erring km Call Roy Master gardeners The Ontario Master Gardener Program celebrates lis second an next month as a successful anil grow ing venture to en courage home garden ing in the province through trained volunteers The program is Ministry of Agriculture and rood Initiative It has grown to Include more than volunteers who hate provided in excess of individual consul in ions in 13 communities We ore not surprised the program la so popular said Jack of the ministry rural organizations and vices branch Garden has always been Tourism booming on Bermuda Island of sunroof good condition runs well ccr titled Call Paul FORD LTD try Squire wagon air AM FM roof rack new battery brakes ex Certified asking cs 1976 CHRYSLER NEW YORKER for parts 873 after p m ask for James ALLIANCE speed rust free mi certified Must sell by March 10 S3 or offer GREY MUSTANG LX door speed power steering and IMPALA needs some work new brakes battery offer lesj 1981 Mercury Zephyr best Good 877 es 1983 TOYOTA GTS speed pojwer AM tiros ran 877 cs 75 PLYMOUTH Valiant excellent condi tion lowmlieaoo Si certified Boa MUSTANG II engine power Steering power breaks in good condition best offer cs DODGE ASPEN RT certified In Oc new tires front brakes even weekends 1981 HONDA CIVIC door standard trans kms excellent condition cor titled Afler pm RED MUSTANG XL hatchback door sunroof 83 km 500 firm certified 0434 money put into motor custom paint favorite pastime on On tan arts The program has capitalized on its ap peal and we think will continue to grow Started us a pilot pro in three areas the Ontario Master Gardener Program at tracts experienced gardeners who volunteer their time for most of he growing season They are recruited by hor societies and must complete hours of volunteer work ing one of to qualify as Master Gardeners Do it yourself for retirement investing Whether you arc an experienced investor or merely a dedicated do i you have probably been attracted by the op portunity to manage your own portfolio or to make contribution in the form of assets you already own rather than in cast On the other hand you may have been somewhat deterred by the uncertainly and risk of selfdirected inventing Although self administered plans have the potential to or fat a higher return than virtually any other type of investment some investors end up losing precious retirement dollars First City Trust Manager Terry Mclntyre of Brampton that the three most important factors in determining the success of a selfdirected ore capital adequacy knowledge and time It is worth looking ill these factors individually Most financial advisors that unless you hut minimum of in your plan the annual fee represents too high an expense In relation to he level of assets in the account example First City self administered plan fee is one of the lowest in the miirkt at per year with no transaction charges yet this Mill represents an expense ratio of almost per cent if you hive only in your self directed plan They advise that you arc almost certain to achieve a better return with a guaranteed investment type Of course it is better to transfer In lax free the proceeds of an you ilrcady own rather than to start from scratch Because your selfdirected RRSP can only be as good is the Investment decisions you moke for it the second important factor knowledge is critical This includes knowledge both of the product and of the market Not everyone realizes that under the terms of the contract the plan holder is solely responsible for ensuring that all his investments conform to Revenue Canada legislation governing the eligibility of in vestments A partial list of eligible in vestments includes common stocks and preferred shares of companies listed on i prescribed Canadian stock exchange op tions deposits of money in a Canadian bant rust company or credit union government bonds trust company guaranteed invest ment certificates certain units of a mutual fund trust and certain secured by real property located in Canada tin qualified assets include gold or other precious metals art and antiques shares of almost all private corporation commodity futures and real estate Adding an qualified asset to your exposes your plan to significant tax penalty This is In for obvious reasons The 10 per cent foreign ownership limit within an can also cause problems or unwary investors said This 10 per cent Is based on book value original cost not market value so special care must be taken in this area also A 1 per cent per month lax penalty Is levied on the ex cess and this can be very costly Yet another area in which the prospective investor must acquire same knowledge Is the legislation on capital gains This matter Is too complex to satisfactorily here but It has a significant impact on the way Investors choose to strut lure their self directed plans This is especially true If they plan to sell or eon tribute in specie any personally owned assets to their self directed vehicle Of course technical knowledge about the product Is only the beginning stressed The whole point of opening a self directed RRSP Is the conviction that you con obtain a belter rate of return than you would with at guaranteed investment or in vesting under the direction of a professional telllgcnl well planned strategy Tor acquis tion diversification and disposal and a well developed sense of what Is happening in the market Many people who own self dircclged plans get around this by relying very heavily on their brokers to make heir investment decisions but In any case the key word la confidence either your ad visor a forethought and Judgement or In your own 1086 Manner for 1980 was the second best year in Bermuda tourism history air visilors and cruise visitors This accounted for a 13 percent increase over figures and was just percent less than the highest year In 1980 American visitors wire an integral purl of this toward trend with an overall percent Increase They came from all across the with particular in creases from the Southeast 127 Midwest 30 percent and from Canifornia 17 percent Bermuda continues to maintain a percent visitor return rate Bermuda Ship Bermuda offers tempting to visitors whether by land or by sea In the Island will welcome cruise ship calls beginning earlier In the year on April 13 and ex tending through November This compares to the shorter May 1386 season with A tit cruise lines ire represented on the schedule and departure ports fine Eastern seaboard including Boston New York Philadelphia Wilmington News Charleston hart Lauderdale and Cipe Canaveral with gateway cities across the Docking in Bermuda vanes from cosmopolitan Front Street in Hamilton known as the of Ihc West wilh European and British merchandise available per cent less than in the U to the col town St George rcspkn dent with history Several ships in in the waters of Grassy Boy or the Great Sound Detailed information can be tamed by contacting any one of the five US offices of the Bermuda Department of Tourism office or by going directly each visiting cruise line This years schedule includes Bermuda Star line Carnival Cruise line Chandrls Fantasy ruises Lino Home 1 Cruise Line Royal Caribbean Cruise Royal Viking line and Sun line Cruises Mew Altmctlnn History l Stand In St George a the colonial town and original capital of Bermuda wilt host a contemporary Bermuda Journey which is title of the new multi media audio visual presentation on the history culture and heritage of oldest col Beginning April 1 and running several times a day In the Town Hall of St George the half hour show can be a visitor guide lr both old and new Bermuda The was developed and pro by the makers of The New York Experience and South Street Seaport Admission for adults is with discounts for groups children seniorcitiifrus Be Out durst The Allure of Ber muda mod nitons Inn txpandft lo New tnRt Colony One of the finest resturants Is now truly in Inn en Joying the special designation in uniquely cottage col Five luxury cottages con of suites and doubles hue been added to the garden setting of Inn to welcome With private patios harbor views and the this new proper will no doubt continue to enhance New Harmony Club I- or Only One Trusthousc property has broadened its appeal to satisfy young professionals sophistic did older Irav lovers of all ages Harmony Hall is now it for couples on visitors enjoy Intimate ram lie setting mueh like that of an country house keen it lent ton tn traditional del ills liar monv Club offers an ill inclusive focusing on formal even iny nightly parties din different eulsine evening and free idmission into seven of Bermuda nightclubs During the day ire en traverse the each couple receives unlimited use of a and mike the entire Island part of their holiday The Delight Another forte proper the overlooks the Sparkling lights of the Islands capital Ihmilton Ihe small private islands in the Great Sound so demanding of Newport Bermuda Race sailors as thtv novate to Royal Bermuda Yacht Club The Hotel modern rsorl is undergoing a million renovation project which promises to Ik of interest lo visitors wtio cherish the properly lo the shops of Iron Street in Hamilton at which can pur chase European percent less than in the S ronms graciously ip pointed main areas will flourishing touches to the garden set property An exchange with the third Tilt properly Bel nvint adds first class golfing and watersports Marriott Harbor Resort In all Sviliig Bermuda Is well known for retain Its traditional qualities yit Hit Island has never resisted positive change Tin M irrintt rejuvenated one of cut rank institutions in a tensive renov ition project durini Capitalizing upon its he ichfront Ine mil ally tort buildings he new irriott Harbor Resort now in host I Oil With a new section which the origin 1 Iter first gourmet Japanese restaurant challenging hole gold course designed Holier I rrcnt Jones and iccessibihiv sports of ill kinds Castle Jlirbor is llermudis st full ir I Wilkinson Ills iliulatloiiN and sudor Iulilic Sehiwl at the of the itnipftiJ In the he marksman 1 v ipon is it it tin llii one of about fir tin Slwirllown Senior it tin science air airraid I lair leh IM A perfectly timed losing finesse I will illi led When West played tut tktidt which of ids in went right up with ifl rtl over queen I isl won the king but died in ft mm tun trump he id no more clubs to play he Hit mini it It it mini ha I South i ruff for Discriminating ic lirgc and small groups will now enjoy tin tot it rtsort ex hv i runt sun the iritur limn in tit tonlritt offered hi The hid he iris was in mil tl Its wort situ become an institution for quests it any tint of tin ilkilmns siven last summer enables quests to if ruth Ml j If dining in settings whith combine stunning Bermuda seuitrv with in 1 will Imrl Mill it intern Hi in ll t lot 1 him til sell 1 is lit drew project lit in iih sit sp nil Then hi bridge if its Keifs constructed r with mi Hun Iw till lirrn ishtd the it of master waterfront All will irchl I l7 FAST J I o sill Til L dm r Sou North NT If IS III FOUR BEDROOM I j BRICK BUNGALOW StlvA New windows 2 brick fireplace extra insulation new carpet new pool 2 yrs 18x36 wheater sauna deck interlock with builtin bbq central vacuum new kitchen wsunshine ceiling basement fully insulated windows i ii fenced yard D Neg look at this fast LOOKING FOR A GREAT GETAWAY 50 acres hardwood bush Stream on the property less than V mile from Bear Lake Dream location lor a cottage down then to hold the mortgage Price HOUSES NEEDED Thinking Of A Move Call Me First