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EXTRA Friday November Two injured in crash A Georgetown driver and her passenger were taken Georgetown hospital with minor Injuries following an Occident that caused damage Nov IS A northbound car on Mountalnview Road North was approaching the west entrance to the Georgetown Market when a southbound vehicle turned left into the Market entrance in front of the northbound car Deaf students charged students Drury School for Deaf were apprehended and charged wilh 11 counts of break and enter and one count of auto theft The pair were responsible for approximately house entries over the past two years in the Niagara Hamilton and areas said Hal ton regional police Sergeant McQueen The men were charged as a result of Investigations by the criminal investigation division particularly by detective Colin Vrwman in cooperation with the Niagara regional police force Charged and injured A man was charged with making an improper left turn and taken to Georgetown District Memorial Hospital with minor injuries last Thursday following a collision on Georgetown George Street which caused 1 damage to Strikes parked car An unknown driver struck a parked car on the south side of King Street last Thursday In Georgetown There was damage to the hood grill bumper left Trent fender and door of the parked car House burglars net A television jewellery Royal figurines and money was stolen from an Acton residence on Highway Nov 17 Thieve kicked in the door of the family room and ransacked the residence before taking 500 worth of goods Audio equipment stolen An Acton home had audio visual equipment valued at stolen last Thursday during the day by thieves who entered the unoccupied home by kicking in the rear doer Roll on skaters Just because the Ice is Installed at Georgetown Memorial Arena t mean roller skating is over until spring Roller skating the town recreation department insists isawmtersport loo So with the cooperation of the Roller Alley in Guelph the department has initialed a new program busing people to Sundays for afternoon skating There no need to register just meet the bus Starting Sunday and continuing each weekend until further notice a bus will leave the Moore Pork Plaza parking tot and Gordon Arena at noon returning at The cost for each visit Is 3 and roller skates can be rented at Roller Alley for cents For more information call the department at -W- 1 DOUflR Selfrun retirement plan offers added tax benefit By John G Registered Retirement Savings Plans provide the opportunity lo save for retirement while deferring taxes but the self administered prov ides an added dimension of flexibility by letting the investor within pre scribed limits decide is especially suited to the person who plays the stock market Slocks on which you do well normally re subject to capital gains tax in which half the gain is added to income When you put stocks into a self Dollar Sense offer general advice by members of The Institute of Chartered Accountants of Ontario administered how ever and there is a subse gam on trading those stocks the capital gams tax is in essence deferred until the plan is collapsed This type of also has attractions when your stocks drop in Outside an allowable capital losses are applied against taxable capital gains and any excess is applied to the am against the net tax able capital gains of the previous year as well as a 000 deduction for the previous year the unapplied balance may be carried forward for 5 years But if the loss occurs on stocks held in an you effectively deduct the full loss thai same year against current and period cap gains provided you have sufficient capital gains on other invest If you have a disaa year in the market and take a loss on stocks held outside an this counts aa a Sayere capita loss only half of which is generally deduct against the taxable half of capital gams and then only up to for that year If you suffer this same loss on stocks held inside the at least this ia cheap money on which you have already enjoyed the full deduct ion from liable income Another advantage of the self administered is thai there a deemed diaposition at fair market value when you transfer mocks to the plan meaning that you can trigger gains by putting shares into the plan Mote thai you cannot claim a loss so gen en ted If a stock held outside your grows in from SI and you then roll it into the plan you will pay capital gains tax on half the gain but you will have a deduction And if you already have a loss with no gams to offset It you can real no gains by rolling winning invest menta into the plan The following invest menu qualify for self administered RRSPs money on deposit bonds debentures and other debt obligations guaranteed by Canadian federal incial or municipal govern or Crown stocks and debt obligations of companies listed on Canadian stock exchange rights and warrants hated on a Can adian stock exchange stocks listed on a Canadian to a limit of 10 per cent of the value of the plan a hi res of capital slock of a mutual fund corporation units of a mutual fund trust listed call options certain life insurance policies and first mortages at arms length John Say ere with Dan woody Company Chartered Toronto Referral selling In the dogcoldog world of ihc free enterprise market consumers must always on the guard to sec that they get good value for their hardearned money Most of us look for bargains In almost every dealing we have We look for specials at the super market sales at the furnl lure store and good deals when buying cars and other items Unfortunately the attraction of getting more for our money sometimes causes us not to look closely enough at two important things the article we are buying and the person or corporation who Is selling A prime example of Ihis Is the referral selling scheme volet rears its head from lime lo time in Ontario and else where The scheme follows Ihis pa l tern a salesperson tells a consumer that if he or she supplies the names of other people who might be interested in buying or leasing a certain product the consumer will receive a discount or rebate on the purchase price for each successful sale or lease the salesperson concludes one or those people This Is the referral element of the scheme buyer refers the seller to potential customers in hope at getting a discount or rebate makes the same offer to each referee as well and bo on Often ihe salesperson claims that consumer will be able to recover his or her entire purchase price in Ihis manner thus making the deal even more attractive While the scheme seems reasonable the results are usually very disappointing Tor a number of reasons The purchase price which the first buyer and all the other buyers pay for the product la often very inflated so lhat even the discount or they have paid loo much The salesperson may not follow up the referral leads and thus no rebate is available Finally the salesperson may neglect lo pay Ihe rebate even If referral has been successful In addition the claims made by sellers are often cxaggerat both on to the quality of the product and as to Ihe chances of the referrals putting money back into purchaser s Aside from the problems caused by some unscrupulous salespeople anyone who is good at mathematics can see that such a scheme Is unsound Remember that the buyer Legally aCLEO By tS hopes to recover his or her purchase by a number of referrals Each of these referees in turn will want to recover his or her purchase price by a number of refer rnls and so on After few stages of these referrals il would take many millions of people support the system and ensure that everyone got his or her money back or at a substantial return The prom 1st of success fades rather quickly It was for these reasons among that the federal in the mid 1970s made Illegal under the Combines In ill gallon Act to Invite someone lo participate Inn referral selling scheme If arc approached by some one who makes you an offer similar lo the one described above call the of Consumer and Corporate A fa Irs Marketing Practices Division Their number Is in Ihc blue pages of your phone book Tell them the fuels of your story You will be doing yourself and the community a service The Information in this article is accurate as of Sep tember loai For moro Infor motion on this and other tuples contact Legal Education Ontario 111 Queen St Suite Toronto 1S2 For legal advice contact the Hills Commu illy Legal at in Georgetown and have never heard of Rubella RubclUalso IfllS find out if you need known German Mwl Its all it takes birth defects in is simple teat by your doctor or health Canada Ironically it in so very Ideallj at least throe months lo prevent before you become Give In fact five out of ft men are already immune to this diseasi on 1 fe Protect yourself Rubella either naturally or by vaccination lb Huso simple See your doctor soon by The alter far bo Id Hi So you tried a few different ways to spend your advertising money and now your sales curve has dropped completely off the chart ISNT IT ABOUT TIME YOU STARTED USING THE EFFECTIVE ONE YOUR LOCAL NEWSPAPER There are a lot of ways you can spend your hard earned advertising dollars and some of them can be very glamor ous and quite exotic But thats not what your business needs You need results and your local newspaper can still deliver the customers and lots of them for a lot less than most of the others Newspaper advertising still provides the kind of good bcisic selling that really gets the job done Go with the winner newspaper advertising UH MURE CALL Home Now SERVICES Newspaper of Halton Hills Since 1866 Keep your name before the public with a regular Herald Service Ad Just call ANNS CARTAGE AND PIANO MOVERS FULLY INSURED Move Everything WILL DISMANTLE 8776183 EARLS FIXITS SHAVER SERVICE 1 Delrei Boulevard Georgetown Electric Rare Electric Lawn Mower Small Appliance Blow Dry era Curling Iron I mm I no Pool Motor LET TAKE CALLS TELEPHONE ANSWERING SERVICE 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Plumbing Heating Ltd 8773638 HALTON MOTOR SERVICE LAWN CHAIN SAWS FREE PICK UP 1 ACTON 8532219 Con it PLASTERING REPAIRS ALTERNATIONS and TILE WORK SUPERIOR SHOE REPAIR GEORGETOWN MARKETPLACE ALSO 38 MILL ST E ACTON 8532811 nana A PERSONALIZED CATERING SERVICE BUSINESS MEETINGS BANQUETS WEDDINGS SHOWERS PARTIES COUNTRY CUSTOM UPHOLSTERY All of lurnlture Prole rauphoUtered For lurlhar CALL 853 or 7231 RADIATORS REPAIRED ft CLEANED PEEL RADIATOR SERVICE Notion St Weal Brampton Rear of Dixie Cup 4517177 NOT ENOUGH TIME INADAY7 CONSIDER MAID IN CANADA Mtttttth It R 3 Acton Bui OFFERING Complete residential clearing on a weekly month a month Trained dependable bonded workers Our own equipment p CM average pi PHONE 877 3581 FREE ESTIMATES UPHOLSTERING UPHOLSTERED FURNITURE RECOVERED AND REPAIRED Workmanship TH BRIGGS Stewart town SOFT WATER THE WAY IT SHOULD BE FREE INSTALLATION and Service COMPLETE LINE Of Waler Treatment Equipment for Hontaa end SELF SERVICE Sail Delivery PHONE 8776242