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i sj jmjm wednesday november 2 1983 s i united way credit counselling service is a lifeline for those in debt mr and mrs christian marian were married recently at grace anglican church in markham the bride susan is the daughter of lawrence gray of mar kham the groom is the son of phi- lomena mariani of montreal the couple now are living in mississauga shes r cleaning up in a reversal 6f the usual rags to riches story a mar kham resident gave up her bank mana gers career to pur sue housecleaning when sharon johnson formerly a manager with the toronto dominion bank decided to go into business for herself two years r her friends looked askance when she chose a housecleaning ser vice but ms johnson realized there were only a few house- cleaning services in markahm then and decided to fill what jshe considered a need indecemberl981 she opened mar kham maids and has since built a solid base of cus tomers mostly on referrals the service is guaranteed and clients are encour aged to call whenev- er they have a problem my customers are my most impor tant asset and they are the only means i have of knowing if quality is being maintained she says when asked whether she has any regrets leaving her bank career ms johnson replies yes i regret not doing it sooner editors note the united way of york 4 region is in the midst of its annual fun- idralsing campaign the 1983 campaign target is 800000 and to date about 300000 has been raised below is a profile about a credit counselling program which is one of the many local services provided by the united way some people have no idea how to man age money sighs robert murcar execu tive director of united ways credit coun selling service of york region murcar ought to know right now his un ited way funded agency is helping more than 200 york region families dig them selves out of debt through the orderly payment of debt program- people get head over heels in debt they lose track of how much theyre spend ing and suddenly theyre having problems with the bank their salary is being gar- nisheed and they cant see how theyll ever survive financial catastrophe says mur car when they come to credit counsell ing for help usually were their last hope and we have to take some pretty drastic measures credit counselling doesnt lend money to the deeply indebted it offers ad vice on ho w to clear up what is usually a total financial last year united ways credit counsell ing of york region repaid nearly 400000 j on behalf of indebted clients this money our first step is always to cut up the mightnototherwisemakeitsway back into clients credit card shrugs murcar its the community a basic step away from temptation and towards selfdiscipline then we add up all the debts figure out whats owing where draw up a minimal budget they can live on and figure out a schedule for repayment thats just the beginning united way credit counsellors then get in touch with the clients creditors and devise a system for prorated repayment of debt which may take up to five years ail these services are performed free of charge the client must sign all their earnings over to credit counselling which in turn manages these funds and issues payments to creditors with the 200 clients were serving now it takes me an hour twice a month just to sign the checks says murcar they come in a wad two inches thick i get wri ters cramp just thinking about it we feel that the work we do in clearing debt has a monetary value far in excess of the actual 73000 cost of running our prog rams says murcar certainly every one in our community benefits when finan- cially troubled individuals are helped out of the hole v debt knows no economic boundary un ited ways credit counselling service helps a good crosssection of york regions economic spectrum surprisingly 30 per cent of clients receiving credit counselling assistance earn more than 26000 a year the average earning of those on the orderly payment of debt program is 21 048 credit counsellings total debt load for 198283 is more than two million dollars its a real thrill exclaims murcar when our clients finally pay off their debts usually theyve learned a good les- son and know how to avoid the economic pitfalls of taking too much credit forever after we certainly hope so united way credit counselling services of york region also helps families with less critical problems v counsellors are there to help draw up family budgets they show clients how to balance whats coming in against what has to go out financial counselling is seen as a a means of preventing people from getting in debt over their heads j sometimes credit counselling will act as a third party in contracting creditors em ployers the courts landlords and others on behalf of a worried client provision of a mediator often diffuses potentially volatile confrontations the object is always to pay all owing money back anyone in need of financial counselling may contact credit counselling of york region 10255a yonge st box 224 rich mond hill tel 8849148 service is avail able in georgina at the keswick commun ity resource centre coupon irvings plumbing supplies we carry everything for quick fix ups visit our newskowroom super special american standard y 3 piece set in white only j- oo reg 42710 includes salem tub ovation lav plebe toilet 2030 off m extra 5 off with this ad 8407 woodbine ave just south of 7 wed fn 7 305 00 thurs until 9 00 sal 9 5 4756272 coupon w how to sell your car in a snap t the old saying goes a pictures worth a thousand words so dont waste your money on mere words go with a photo ad in the automart section just give us a picture along with the details of your car and chances are youll sell it in a snap for complete details call the automart j service directory ads get results call today 2342200 or 6402100 i0nesta viafei 4mb shepfmd ave e of mccowan unit 111 2920243 big special i cornelli sheer 1099 ft kx linen sheer 1299 ft i triple fullness all sizes available this weeks special ill pvc 72 x 84 vertical blinds roller sheets 40 off keep your kids in their place jhik oshawa w ski wis club open house sunday november 683 1 to 4 pm 3 km east of kirby off hwy 115 35 check our all season ticket rate pee wees 4000 juniors students 6500 senior 8000 family includes parents and peewees 17500 initiation fee for new members dally guest skiers welcome oshawa ski club box 174 oshawa l1h 7l1 b pin an award on a kid who deserves it ontarios community newspapers and cp air coordinator and patron of the ontario junior citizen of the year awards program are seeking entries for 1983 recipients will receive a junior citizen lapel pin plaque 200 and a family picture with the lieutenant governor of ontario i nomination forms are available at this newspaper deadline for nominations november 30th 1983 economist and sunthe tribune dennis smith its always been a good idea now its the law on nov 1 1983 toddlers come under the law which requires everyone from newborns to senior citizens to be properly restrained when travelling in a car for children this means infants up to 9 kilograms 20 pounds must be properly secured in a rearfacing car seat toddlers 918 kilograms 20 to 10 pounds must be in a frontfacing car seat in their parents or guardians car otherwise they must be secured by a lap belt preschoolers 1823 kilograms 40 to 50 pounds must be secured by a lap belt older children must use the full seat belt assembly buckle them in ministry of transportation and communications ontario w james snow minister william davis premier i