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st a family finds help in program weekender november 61993 p9 from page 8 money and we wanted to pay them he said but not with the stress of somebody calling every few days for this couple the answer was an orderly payment-of- debt program set up by a counsellor at the credit counselling service of york region under the program a counsellor and the couple worked out a budget and decided how much money could be made available to pay their debts then the counsellor con tacted all the couples credi tors and had them agree to be paid over three years in a prorated fashion for example the creditor who was owed 20 per cent of the couples total debt would receive 20 per cent of their monthly payment before the payment schedule was set said larry the last person who called was the one who got paid since then he said he and his wife havent had any contact with their creditors they havent had any new credit either part of the program included watching their counsellor cut up their credit cards and giving up any use of credit for the present time later said larry if they want to buy a car or other major item counsellors will help them reestablish their credit larry said the service did more than help them pay phokvlori emmerson contest winners century 21 held a coloring contest for halloween and the winners were presented with prizes saturday from left jackie orsetto won the contest sponsored by agent diane woodcock while amy williams won don geldarts portion of the contest the executive programs m the university toronto the executive iv a l2 a fast track mba for seasoned professionals j- v l 1 x who wanrto develop general management skills for a more competitive future in the global marketplace a manageable format of classes one day per week alternate fridays and saturdays for two consecutive years enables participants to continue their careers while investing in their future admission criteria include eight years professional experience a good gmat result an above average academic record and exceptional drive and determination candidates without an undergraduate degree are encouraged to enquire to determine eligibility ive increased my confidence pace and performance as a result of my emba experience director communicationsgovernment relations mds health group lm hv alumnus 1992 to find out more about the programs challenges and benefits please call 4169786586 or fax 4169785549 for further information and a schedule of executive briefings on the university of toronto executive mba experience markham information session thursday november 11th 600730 pm their bills it changed their attitude towards credit we now live with the motto that if we dont have it we dont spend it he explained getting credit counselling and being put on an orderly paymentofdebt program has generally been a good experience said larry i knew it was a chance for a new beginning he explained its a valuable service its not something anyone should be afraid of when they go through your bud get theyre very realistic q planning for healthcare inthe90s the york region district health council is soliciting proposals on behalf of the ministry of health for the health promotion grants program a program targeted at funding communitybased health promotion initiatives we have a small amount of funding available for the remainder of this fiscal year for background material and the mohs health promotion grants program application forms please calif 905 8309899 or 7987213 toronto line deadline for submissions to the district health council is december 6th 1993 at noon homi3a fall tuneop special oilfilter change civic all for one low reduced price i accordor i prelude look at what you get we will adjust valves check and adjust ignition timing replace spark plugs replace ignition rotor add fuel system cleaner replace air filter check all belts for condition retention change engine oil and oil filter check all fluid levels inspect brakes check tires lube door hinges guaranteed smiles free sunvisor organizer wtthil special mmjm we will supply valve cover gasket 4 spark plugs 1 distributor rotor add fuel system cleaner 1 air cleaner 1 oil filter 1 pan washer engine oil as required our usual courteous service all parts and labour included taxes are extra gas filter on fuel injected engines are extra if necessary this special offer may not be combined with any other offers additional parts may be required north markham special expires november 27 1993 ie honda 4772451 m zmmm 4611hwys7 q ir i n ul z z s wsxsr service hours moowjthurilil730520pja tus730iooun 8ttuntiy9jn1pjn dont opees3 your hood y sye2aemoeks auto centre jh oil gard antirust t vnilr otl gard e nowr tested lab developed road tested to provide effective rust protection on any vehicle of any age or condition proven the industry leader with up to 8 years guaranteed protection over 100000 rust- protected vehicles with no warranty claims in 14 years of business warranty no cost warranty with annual application 5year new vehicle 3year used vehicle warranty see store for details will not damage electrical connections rubber paint is clean is odorless is effective vans and light trucks extra expires nov 3093 5 ysooico markville shopping centre hwy 7 mccowan rd markham 4776066 kennedy sheppard ave agincourt mall 2912321 255 morningside ave momingside mall 2828422