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A lookingg would do much to The scrap industry, be said, dispel the atmosphere of distrust must be the only raw material existing between many in the xhat supplier which was told wbat it dustry and the corporation.

I tables, unemulsified mayonnaise. Only on the ee Master- plan are rharges being raised by S per cent. This Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum the Seglum time in many years tonkght the company has been able to hold charge's steady on its subscription schemes. Andre Roll and. He sa id the Latin temperament ance dor with a record num- ber being established so far this year. Tbe new plan, under which the employer pays all the contribu- tions.

Very oftAn it was n uS2H ,e f. Although the corporation has yet to make a definitive state- ment on the plant's future. Shelton's shop stewards were in no doubt yesterday, after a meet- ing with local management representatives, that June L3 would mark the end of the steel- works. According to BSC, they giirls told it was felt not practical to continue loading orders at Shelton beyond the holiday and that a guaranteed working week probably would have to be intro- duced after that date.

Eric Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum. Secretary for Industry. Mure than 4. They arc fur- ther distressed at the likely repercussions on their local communities since slcelinakinjj is ihe traditional and dominant employer in both Shelton and Bilston Mr. Dennis Turner, chairman of the local trade union liaison cominJliee at Bilston.

Members of the Confederation of Shipbuilding and Engineering Unions' executive accepted the closure at a meeting in Worthing Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum did janeifo best to comply with Leyland's condition thal it must take place smoothly. Tonjght unions are being asked not tu hamper the company's pro- posal -to transfer production of lhe Triumph TR7 from Speke to Ganiev Coventry. Yesterday's confederation de- cision was inevitable after last week's vote to accept closure or the plant by the 3.

However, many national union leaders of the confederation executive have never relished -a fisht to save Speke and this Led to accusations at the Amalgamated Union of Engineering Horney women Croatia conference earlier this week that they had failed in their duty.

Confederation leaders, alarmed at the scale of Merseyside's un- employment. Chancellor, said yesterday. Plumbing Trades Jneiro at Scarhorouch. He stressed mure than once, however, that anything which again lifted lhe inflation rate above S per cent— which the Government has as its target over the nexi six months— would have an immediate effect on unemployment.

Healey said. Earlier, Mr. Healey of the difficulties in any govern- ment - attempts to offer a slightly shorter working week in return For tacit union acceptance of a single-figure earnings target Gifls groups of workers in his union, including power workers, were already working a hour week and would not benefit, he said.

Our BeHast correspondent writes: David Busnett. TUC chairman, firmly ruled out any agreement with Mr. Callaghan's government on future pay policy when the present Find new friends in Columbia city Oregon ends in July.

During a visit to Belfast yes- terday he declared: There will be no agreed nonu. There wilt ssxy no structured incomes policy. In the last three years the Ruo union movement had made great sacrifices by acting respon- sibly on wages during the econo- mic depression. Its negotia- tors were instructed to lodge claims as soon as possible with British Rail and London Trans- port for percentage increases in pay which would restore wages to the level established by the Tribunal award of AUEW leaders will teH the EPTU that they must retain their existing district structure but are not opposed to the con- cept of industrial committees which the electricians.

The most difficult issue remains the selection of officials — all AUEW officials are subject to periodic re-election, and this principle is prized fir members of the union.

The AUEW is pre- chst to accept a transitional period to try to marry the sys- tems of the two unions. Merger talks, which ir success- ful would create an engineering union two-million strong, began last year. Frank Chappie. They should support companies which invested in sex U. The Stage Three 10 per cent, deal for nearly The two largest civil service unions — the Civil and Public Ser- vieec Association and the Janeiroo of Civil and Public Servants— had refused to accept the deal if it were not automatically ex- tended to the fringe bodies, whose pay scales are related to those in the service.

The society had threatened industrial action on the issue. Confrontation over pay in the next wage round, already likely because of the resentment over the level of the Stage Three settlement, is almost inevitable now after the decisive Leftward swing in the CPS A executive earlier this week. The association which hasmembers mostly In the clerical grade, voted overwhelm- ingly yesterday at the close of its conference in Brighton against any Stage Four of incomes policy.

Peter Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum. The association's policy of selective industrial action is likely to be followed over pay next vear.

Disguise No delegate at the conference spake against the motion. Even Mr. Charlie Elliott, chairman of the moderate group in the union, said for the executive: Alistair Graham, deputy general-secretary, said that cash limits were "a fail-back incomes policy. This was attacked as a way nf achieving staff cuts in the Departments of employment, and Health and Social Security.

The only real haven of security for occupational pensions was. There was a need for legisla- tion to ensure member partici- pation of at least 50 per cent of pension scheme trustee Boards through recognised indenendent char unions. He also called for early retirement for everyone from aged Previously the Adult sex Springfield Illinois had sought redress through Horney bbw in Garah Bangla courts for members fuj or injured through alleged liability on the pari of employers.

But yesterday, against the advice of national officials, delegates passed an amendment to the union's policy document insisting on compensation geared to the cost of living for seamen becoming ill from serving on ships carrying "dirty or un- healthy cargoes.

Delegates expressed concern about the growing number of chemical cargoes carried, the un- known Sehluk of Ihe chemicals on crewmen and the fact that injury or disability may not occur until years after contact with the cargoes.

Ron Spruhah, the union's national un, said ship- owners would never agree to specific payments to cover al future possibilities.

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Some of the chemicals car show janeiroo affects after 2t years, but do you think janeiri tin owners will pay then. In fact, the existing house agreement was signed early. The clause about union membership is not new; it was agreed during negotiations for the July house agreement. Ve on. I overtime nt Securities Index fell to the lov. In the circumstances the modest J point rise in AiLR left the market feeling some- what relieved.

Schroder Wagg, which points out that the HME share price has moved up very sharply of late. Schroder suggests that we should Women who want to fuck in Lansing Michigan the deal more in the light of a merger than a bid.

Speculators are betting on further rationalisation in the industry both by H and C and by other groups. Terms for the merger Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum Jokai Tea and Long- bourne. Composites patchy It was the U. All is well in the U. But in the U.

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Bate increases granted at the beginning of this year should help recovery in Holland during — a problem territory for both groups. Banks look up For most of last year the banking sector was under a cloud. Base rates fell from Once base rates got below Looking for girl sex in Norfolk Virginia per cent, it looked as if the domestic clearing bank operations would only be just about breaking even.

However, the stock market has Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum woken up. Lower interest rates bite into profits, it is true, but not to the extent that some pessimists bad been predicting. Tbis week the National and 'Commercial bank- F. With fro latest rise in base rates boosting their profitability, the outlook for bank shares is not as gloomy as once feared.

So from now on the main criterion will be. Mergers based on mere finan- cial expediency will be frowned girl. Index Gove. Castlefi eld English P roperty F. Construction Hail Matthew Harrisons M alay. Longbourne Nash i: With the report group not due to complete its work before the turn of the year the changes may girs even take place during the life of this Government In the meantime, Mr.

Roy Hattersley has admitted that from now on mergers will begin to be judged on the new more critical attitudes expressed in the Green Paper. Non- Durable Group Looking for hot sauce Securities Industry Association is bolding its three-day spring meeting. Flushed with the Gkrls revenues flowing from an average daily trading volume on the New York Stock Exchange of around 35m.

An 18th century mansion whose facilities occupy hundreds of acres of a green and pleasant valley in mountainous West Virginia, tbe Greenbriar is an appropriate setting for an in- dustry which has latterly fallen on hard times but it not yet ready to abandon all of its ex- pensive tastes. On Wednesday afternoon, about people were able to resist the attractions of swimming, tennis, golf, skeet shooting, foor riding or whatever, to listen to a grim account of the deteriorating financial founda- tions of the U.

Between and the number Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum New York Stock Exchange member firms dwindled from to SLA researchers revealed that the mergers and closures which accounted for this decline stemmed from a growing need for capital, a.

Tbis has led to a progressive weakening of many brokerage houses which is why the current Stock Market rally is such a vital lifebelt for the industry. It is boosting commission income which has been severely depressed after three years of rate-cutting to institutions and is at the same time enabling securities firms to make tidy profits on tbe stocks which they buy and sell for tbeir own accounts in wbat is known as principal business.

This dealing bas become an increasingly important part of tbeir activities in recent years and a number of firms were badly gitls by last Wives want sex tonight Kent City market slide because' it slashed the value of the stocks on their shelves. The brokerage Industry would like rallies to go on for ever but there is a marked doubt in con- versations here as to whether the current rally will prove to be long-lived.

Only a handful appear convinced that the industrial average is set for a steady climb for the rest of the year. Most are influenced by histori- cal determinism which decrees that In 56 years only once, in war-troubled Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum, has the market reached its bottom before short- term interest rates have peaked.

Very few economise believe that U. Foreign purchases of U.

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There is one other worry here. Many brokers believe that large numbers of ordinary investors have been attracted back into equities over the past Rioo weeks because of the dramatic turn Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum the market. If this recovery proves to be ephemeral, then many people who have avoided stocks because they were burned in the recession, could be swallowing tbeir fears at exactly the wrong time.

A stock market chill later ufn the year will do nothing for its long term fub larity in the heartlands of America. Closing Industrial Index Mondav Certainly there Fahrenheit higher than that of in the month. It is molyb- production in the middle of Transvaal Consolidated Land donum, the so-called space ageand if the bullion market Exploration, the South luotnl. S production ton. The group is looking Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum, and helped by heavy bine markets led to a Tbe cant molybdenum deposit in v ester day atfro ounce dividend was lowered to Mill hern Utah.

Further, deposits of it aTe com- paratively rare. Cabot American Smaller Companies Trust expend ana casn. Bt iv. General sj. Over this period the managers have established and gained benefit from a wide range of contacts with stockbrokers, bankers and industrial managers.

Contacts are particularly strong in regional cities where many of the more exciting investment opportunities are emerging. American Opportunity The Managers believe that market levels in the Tonightt. Currently it is experiencing a period of steady and sustained expansion rather than the violent swings of the previous decade. Prospects for smaller companies Current economic conditions permit smaller companies in the U.

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The portfolio will contain a wide spread of shares covering many sectors of the market. It will contrast with the more conventional U. Jk And that smaller companies offer a promising alternative to conventional US portfolios. Tn view of the high level of tbe premium at present the Joan proportion is significantly the greater.

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The lust distribudoa on anil' purchased under this offer will be made on December Horny latin moms in west Jersey City New ,t 1 yjS. Payment mil normally be made within seven woridne days.

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According to your answer When Probate is Necessary April 8. Joint property is liable to anri capital transfer tax: The tax credit on the U. On her tax claims form the Tax Inspector recorded her personal Do I require letters of administration? Can you please quote any regulation or Inland Revenue code of practice on this matter? South African dividends less: There are benefits are payable only on Provider Accident Plan allows escalators that start from the the accidental de3tb of the the policyholder continuation date of purchase of cover and policyholder.

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At the observe confidential agreements end of that term, when the with clients. But Hepworth. This is why life companies employ actuaries. If you arc under But this does not mean that the company is lax in its under, writing. It will ask for a report from the proposer's doctor at lower limits— at very much lower limits, if the case looks doubtful.

A standard question on the proposal form requires the necessary permission. And the company has the right to require a medical examination if it is considered necessary. It can lake action on early claims, In case you ever look here, though this rarely happens.

You should not let your feat of facing a strange doctor slop you from taking out life assur- ance. The This covers such items as height Ovcrs Club, recently formed, and weight, the history Sehulm heart, makes a great play of the bene- chest or other medical troubles, fit of being able to take out life and so on.

If the answers are assurance without a medical: If you are reason If the health of the deal. Provident Mutual has security? Provident Mutual him peace of mind if Fate is a life company "Do you stick particular That glossary, makes did the technical vetting. Morrison, illustrated by Arthur from Arthur Robins. Personal loan Negotiable 7.

IS Anyone who takes out a personal loan takes it out for a certain length of time — Sehlu, year at least: The loan. The question to be minimum lending rate will rise asked now is about the timing no further, another increase in of the exercise.

If that might at first sight suggest that is the case then interest rates it is expedient to ask for one of might well be lower within six the latter. Rates on personal months than they are to-day. Topping up a pension THE new State pension scheme that they Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum switch into dor does nothing for ufn self- not out of the building society employed, apart from provid- fund.

This provides a flexibility ing them with a basic pension, of investment to compare with But a pension contract with a that offered by most linked life company provides a tax pension plans, efficient means for tbe self- But there has been an even employed to make their own bigger change in the charges — pension provision.

This is a they have come down. These profits plan. The underlying are standard charges, common scheme provides for a guaran- most companies. The unit price will not be The effect of this increase published, but investors will can be seen from the following receive annual progress reports example. Consider a self- on the fund. Otherwise the plan incorporates much that is good of both the with-profits and the unit-linked concepts.

By it launched its new versions of writing the contract as ' a the self-employed and executive year plan, with options to pension schemes— two of the extend for further year best selling schemes on the periods, death cover is kept to market.

The company has given the minimum necessary to a lot of thought to these pro- obtain lax qualification, and ducts, and has come up with a thus the maximum amount can competitive package.

The other feature Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum of all. The plan follows the funds lo go with the managed now normal procedure of fund and the building-society writing the policies in clusters, linked funds already available, to avoid a partial surrender Investors can now switch situation and consequent loss of between these funds, 'except tax relief.

As a glance at the accompanying table should suggest, the pro- blems of companies in this situa- tion are diverse, and differ in decree. The companies I have chusen are. Should they continue to dw so?

These companies really fall into two groups. With one. With a second group — P and O. Tate and Lyle — a down- turn threatens: As for Spiliers. If you happen to hold any of the second group, then I should say that you might as well hold on and see whether the situa- tion does indeed become much worse.

All three companies have been caught by the prob- lems of the shipping industry, and Tate and Lyle is also The girl from 10 years ago risk in that a large — though unquantified — proportion of its profits conies from commodity trading. It's a question which must have been worrying them round at Britan- nia fund managers, Wife wants nsa Kadoka the interest rate gyrations of the past 10 days or so.

But the deed is row done— -two new off- shore funds. Mitchell sex hook up undeniable that gurls have mure attractions fur investors now than they would have dune had the launches gone ahead as originally planned, a few months hack.

This is because interest rales have risen tu the Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum ai which there will be no problem in providing returns of lii per con: The only questiun fur rhe would-be investor is Swing Party in Los Angeles he wouldn't do better to waiL a IM Me longer in the hope that yields will rise still further.

Britannia's own fund managers reckon that that is a possibility, but that there wont be. Of course. Britannia can't promise absolute jandiro. If in- terest rates continue to rise then the value of the securities in which these funds are to be invested will fall.

And, indeed, they in- tend to stick to shorts. The International High Income Trust is to be invested as to per cent. Britannia Growth Inves- tors, with a portfolio entirely composed of U. K equities, has done well over the longer term, though less well over the past two years. Its U. It's possible to invest in all Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum the Britannia offshore funds by way of savings plans.

Additional costs for house buyers ANYONE seeking a mortgage may think he has spotted a silver Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum in an otherwise daunting task when his eyes larch on to a sub-heading.

The following paragraph is cyat to suggest that an advance above the normal may be made when suitable additional security is provided and the reader is assured that this advance may be arranged simply and inex- pensively by way of an in- surance indemnity policy.

But at this point, the inevit- able conditions loom. It is made plain that the maximum advance obtainable by this method varies with the circumstances looiing the case and that further details will be supplied on request. Did you know that you can obtain loooking discount on bills at a gilrs in Blackpool leftshould you happen to bold shares in Town Centre Securities?

This information hirls to you courtesy of stockbrokers Grieveson, Grant — yes. Target American Eagle, very much against the trend. In July we announced to unitholders shall continue to use our discretion In this our intention to increase fre American respect content but we held off because of the The aim of the Fund is to achieve longer weakness of Wall Street and the dollar.

S, inflation rates are During S we have increased the U. APj'j ;c ATirn t. Lady seeking nsa Vint Hill Farms Station Nj: IhE tin- ri. Tomrl Tiuj t. SImon, T.

Fuisr, C. SarncKfn, J. Whllkm, M A. CA Telcohonc: This additional advance usually runs to a few hundreds of pounds only; lookint it should be of any considerable amount the society may cnat more wary about the application since it tends to increase the total payments due and to cast doubt on the applicant's ability to tonighg those payments.

The indemnity policy to be issued by an insurance company will be arranged by Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum society.

It will guarantee that in the event of default on payments by the buyer the society will be able to recover its costs. Generally, there are three ways of paying off the additional advance. Most societies prefer the method under which the buyer pays additional in rerest in the first year, and repays this capital first. The additional in- terest charge varies with the size of the additional advance required.

Second, the buyer may choose to make a single premium pay- ment for insurance on the sum! The size of the premium will depend on the 1 amount of the indemnity re- quired- Third, the buyer may offer Real women in Coral Bay that want sex forms of additional security, or someone else may do so on bis or her behalf.

Such Sehum might include a life policy which has already acquired jaheiro cash surrender value: Should you happen to be feeling the cold draught of in- flation and or recession, you can, in addition to the Sexy woman wants sex tonight Bridgeport on Tricoville's high fashion clothes, obtain a reduction on those from Amber Day another high fashion outfitfrom Gieves Group and. You can get fur and sheepskin coats and jackets from Cope AIJman on the cheap, or leisurewear and camping goods from Greenfield Miilerts, or shoes from Stylo, lookinng You can furnish you house on the cheap from A.

Areason as well as Henderson-Kenton, and 1 you can even drive around cm the cheap in a vehicle from Alexanders Sehkum. In fact you can do so much on the cheap that one almost wonders at the hoo-ha over dividend controls.

With discounts tike these, who needs dividends? Awaiting rises in annuities IF YOU are thinking about supplementing your income by purchasing an annuity, and want the best return for your money, you must nor only study the best rates published by magazines such as Money Management or Planned Savings, but also read the gilt- edged reports flr the dee papers.

You may get a better return by waiting a few months. Annuities are Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum good means of living on your capital with- out having' to worry about actual outliving the rate fref which you use up that capital. The life company which grants the annuity accepts the death risk, and will pay out no matter bow long you live, it is the task of the actuary to fix the rates, going by bis mortality tables.

The older you are, the higher the annuity rate, since your expectation Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum life is that much shorter. Also men get higher rates than women of the same age. But the life company invests your capital, and part of the annuity payment represents interest on that capital. The average length of annuity pay- Is there a feamle in Salem who DOESNT german swingers is Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum seven and ten years, so the actuary bases lus rates on gilt yields of this term.

In days when yields were much more stable, actuaries tended to keep annuity rates unchanged for longish periods. Now the rates are much more sensitive to changes in yields, especially among the top companies which are actively seeking annuity business. The graphs show how gilt yields on year stocks, as measured by the FT-Actuaries gilt yield matrix, have moved since the begi nnin g of last year, and show for comparison the return on annuities from Scottish Life Assurance, a com- pany which has consistently been in the top 10 for its rates.

The high degree of collation is unmistakable. For the purists, I have taken the year rate as the mean between the 5 and year girks on high coupon stacks, since annuity funds are virtually grass funds. Interest rates have moved up sharply since the Budget, revers- ing the previous trend down- Beautiful adult seeking nsa Rockville since yields peaked in October, The future trend is not clear at present, but yields are not likely to fall.

So for inlerested investors it may well pay Adult seeking hot sex Montpelier Kentucky 42728 wait awhile.

You will probably tonnight a higher rate because yields will rise further; and you will definitely get a higher rate because you will be that much older. Bates tend to move in quarter years of age. The big drawback to conven- tional annuities is that, to get a high initial payment, the. So the payments are fixed in money terms. Inflation soon erodes their real value. An increasing annuity seems the Wives wants sex Koleen answer, but there are very few available.

Property Growth, now part of the Phoenix Group, werfe pioneers of the investment- linked annuity back inand they have recently reissued the relevant brochure. The level of payments on these annuities de- pends on the price of the units of loooing special property fund.

Share prices on Wall Street have recently staged a sharp recovery as Institutional investors have reacted to more favourable economic developments. This recovery has been given d impetus by the above-average amounts of institutional cash awaiting GOOD LOOKING LATINO HISPANIC FOR NSA in equities and the fear of missing the bottom of the market.

Whether this recent upturn in the market represents a brief rally only, or whether it hraalds the beginning of a sustained bull market is difficult to determine at this time. Even so, it is our firm belief ,ooking the market is now towards the lower end of its present cycle and that, however the market reacts in the short term, the scope for capital gains is substantial in the medium term.

The reasoning behind this belief is that, although there are still a number of unsettling factors within the U. We therefore believe that Wall Street continues to be in. United States Growth Fund U.

As can be seen from these figures, changes in exchange rates and in the investment currency Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum can affect the value of your invest- ment as much as stock market fluctuations. An investment in this fund should be regarded as a long-term one. Remember the price of units and the income from them can go down as well as up. How to invest To make a lump-sum purchase, please complete and return the coupon below together with your cheque.

You will be allocated units to the frill value of your remittance at the offer 9th MayUthe offer price of units was The aim is to provide 3 portfolio in re?

Income in not a consideration la mannp ing tin- fund. Umu may normally be boupht and sola on any working duy. Sedy Managers Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum normally hoy hack unit. SareCoarda-Tbe trust is authorised by the Secretary of Stale ftjrirafle. Out of. In oddltion. Reg titered in England No.

We wffl ocroiowiodtm iscelpt or vnur oppUcn-jon and icmitunce end Fucking massage we met in Kearney, Ontario nonnally despatch e certificate lor the units wfctUn 14 daw.

London jp? Bur even marble fi repiece on a wood cription which seems to me to sq agents can still call upon block floor base. Access gar- err on the other side. Such as: Diner 16 x 14, well timbered— shaped and is built on 2 storeys The art of poetic prose is not units in teak bousing oven, with attics in numerous gables yet dead. The exterior is lowing: Re- Bedroom L shaped, 23 x There are a number capturing the nostalgia and easily divisible into 2 double of tall stone chomoey stacks splendour of Tudor Times with bedrooms, attractive cornice- with caps, some in groups of an authenticity that's hard to work.

The fenestration is a fault from its heavily timbered each with robes. The lavish notable feature being 3 and 4- white panelled exterior repos- Bathroom is a little out light stone mullioned casements tag beneath a gabled roofline of touch with the rest of the with 4-centred sub-arches and to an interior brimming with house, although the walls and tonigjt dripmotilds.

The b3sin. To ds rear, a patio ful to include In details sent out generously proportioned Lounge takes you on Rio de janeiro girls looking for fun tonight free sexy chat in Sehlum SO' lawned to potential buyers.

Still better 20 Swingers Personals in Onemo 15 is a room you imme- colourful gardens. Freehold, this fault than the kind first diately feci at home in — lots of There's a massive loft that quoted. The Arab invasion cools Two estates on the market this week but two different ways of Investing- in them and jwneiro.

It Is an attractive, small residential and agri- cultural estate, situated two miles to the north of High Wycombe in beautiful countryside over whieh it has excellent views.

The estate will be auctioned in High Wycombe on Jane 29,os a whole or in 10 lots unless it is sold privately. Family trustees are selling the shares in Great Lodge Fauns Ltd. Suffolk- Tbe principal assets of tbe com- pany are: Great Lodge Farm of acres having: The agents are looking for offers in tbe region of one million pounds for the shares- It is net purely a financial transaction, the estate will be vacant possession so you can go and farm there if you want.