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MONEY MANAGEMENT 19 Wednesday February Theres no thrill reward yourself like owning your piece of Canada Down deep most of us yearn for a piece of the landscape to call our own For the few who actually do something about the urge the plot may be remote and not particularly beautiful Maybe it wont amount to much as an invest But its a unique satis faction nevertheless and its yours Whether youre just dream ing or actively looking for land heres a bit of background and a few suggestions Contrary to persistent rumor theres no free land to be had in Canada any more but the federal and provincial govern do have certain lands for sale under certain conditions sometimes at low prices One good source to find out whats available is the Sustainable Development Branch of En vironment Canada Floor 351 St Joseph Hull Que H Unit 807 370 Dunlop Street West Barne Ont 5R7 also publishes frequent lists of low cost land for sale across Canada In addition by all means ask real estate agents in possible areas to let you know when something comes up and study community newspapers and farm journals But regardless of where the lead comes from dont act blind However attractive the deal sounds never buy land sight unseen You could easily end up with a fine stretch of waterlogged moose pasture if you do So you discover something that seemsjust right Then the first prerequisite as to whether you go a step further is to find out whether theres access to well and it can cost a little or a lot depending on how deep the driller must go Investigate before you proceed Next is there a road near by Will you need to build one What will it cost Chances are there will be no municipal sewer system serving your land So youll have to plan on a septic system of your own The rockier your soil the more it will cost If theres a house on the land already or when you build what about fire insurance It could be costly depending on how far you are from the fire hall What are the chances of rent part of your land to a near by farmer To do so might cut your costs If you plan to buy in the real boonies you probably arent counting on hydro or telephone service anyway But if youre closer to a settled area ask the utility and phone companies for estimates You mav be in for a shock but better before you buy than afterwards Also make sure theres no ac cess problem for the lines thats to say that your property has the necessary easements So the deal still looks good Dreams are coming true But dontsignathingyet the time to consult a lawyer preferably someone whose reputation youve been able to check out in advance He or she will tell you about any problems known to be re lated to the property what has to be done to search the land title recommend whether you need a new survey help obtain any municipal permits you need advise you on any zoning implications you may have Learn to say yes to provide happiness in retirement years plentiful pure water Almost overlooked and a whole lot certainly youll have to drill a more RRSP Check with State Farm Competitive Rates Guaranteed Lifetime Income Waiver of Premium for Disability Option Good Neighbor Service Visit Your Local Good Neighbor LORA GREENE Main Street N Georgetown 8731615 SIM ll Like a good neighbor State Farm is there By JOHN WITHROW CA When we retire we all have at least an additional extra hours a year to spend hours that werent available when we worked hours a week weeks a year While many of us are well versed in financial planningfor our retirement years how many really know how to plan the effective use of those 2000 extra hours One key is to realize that on retirement youre not changing yourself but extending your self Therefore plan to reward yourself for years ofhard work by doing the things you really want to do And more tantly enjoy doing them Only do It If you like It Volunteer work for a hospital or the United Way may be your choice Or you might want to become involved in political or church work While your ef forts will be valuable you should resolve to contnbute only as long as its rewarding for you Many of us have hobbies and retirement is a golden oppor tunity to finally reach new heights of accomplishment whether its in photography gourmet cooking or golf Bear in mind however its always better to have more than one hobby hours of any thing can simply become a grueling endurance test rather than an enjoyable pastime Continuing education whether through universities or community colleges is also a very rewarding way to develop expertise or simply satisfy curiosity And many in stitutions offer courses free or at reduced rates for retired students Putting yourself on the mail ing list for catalogues of course offerings will bring thousands of opportunities to your door you can earn an MBA or even become a teacher yourself And dont rule out thoughts of a second career If youve al ways loved to read you many want to work parttime at a bookstore Forsomethingmore exotic you could follow the lead of a retired banker who signed op as the purser of an ocean liner and cruised the world Start a part- time business Or you may want to start your own business If you do spread the risk a little by bring others onboard However agree at the outset that if you the venture orbecome so involved in- it its no longer en joyable then its time to quit Over the years most of us develop the habit of saying no to the many invitations both formal and informal thatcome our way In retirement a key element to success is to say yes At worst you identify those things you dont want to spend your time doing At best youll discover whole new worlds of interest John Wt throw is a retired chartered accountant for longterm i slum linn stmt n tin loutinn And that Hindi- ill ml Hindis mutti funds idumt mimpu stmt otfeitd il Bank Km il ink Mutual Fund ice Thtse ire no funds nit imritf no -alt- from Our Mutual Fund Rtpivtntatiuin B ink full detail- about Ro Fund I Ro Bond Ro Fund mid Balanced The option- fltibilit In 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