The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

credit counselling guides people from red to the black as many as 600 individuals in york region were indebted to credit counselling service of york region last year not be cause they owed money but be cause they dont credit counselling is a non profit united way agency which helps people who are in debt get out of debt last year it had over 360 cases a figure which represents as many as 600 individuals accord ing to executive director robert murcar who is assisted by two credit counsellors and two sup port staff although some people who come to credit counselling are forced into debt because of illness or job loss murcar says that often their debts are simply the result of poor money management the basic problem is that they really dont know how to handle money or credit he says peo ple are living over their heads and trying to balance peter against paul no matter what drives them into debt the stress and anxiety these people experience can affect their job performance home life and even their mental and physical health for most people getting themselves out of serious debt without assistance may be impossible take the case of jane and steve not their real names when they first approached the agency for financial advice they were 12000 in debt eight months later they owed over 15000 to six different creditors they asked the agency to set up an orderly payment of debt prog- ram for them under this arrangement they would deposit 350 a month with the agency which would then distribute it to their various creditors almost four years later steve and jane were free of debt but it had been a long four years one time they had to given an exten sion on their monthly pay ment be cause steve had spent his paycheque later he was given a job demo tion because of this and the finan cial pressures he began to drink too much it was another heavy blow to a marriage shaken by poor money management in spite of it all with help they were able to weather these hardships and get back on their feet says murcar j orderly payment of debt the arrangement the agency worked out for jane and steve is its largest area of service last year the agency distributed approx imately 340000 on behalf of its clients who between them had debts totalling almost 2 million it takes an hour twice a month for me to sign all the cheques says murcar who is one of the agencys authorized signers credit counselling offers two other areas of service for people who simply need some advice on straightening out their finances it provides budgeting and credit guidance for others who are un- ble to arrange satisfactory terms of repayment with their credi tors the agency will intervene to set up mutually acceptable re payment plans help for everyone credit counselling shares a yonge street office in richmond hill with family services of south west york region it used to be part of this agency but became autonomous three years ago autonomy brought with it a wider region of service it now serves the entire area and recently opened a branch in the georgina community resource centre in i keswick people who come to credit counselling for help are from all socioeconomic classes as mur car points out contrary to popu lar opinion its not just the poor who get into financial trouble according to agency statistics many different vocational groups are represented among is clients last year six percent were pro fessionals 27 per cent were skil led laborers the largest vocation al group represented and forty- three percent of all clients owned their own homes united way provides credit counselling service has an annual budget of approximate ly 80000 roughly 60 per cent of its funding comes from the minis try of community and social ser vices the united way which gives the agency almost 17000 contri butes 20 percent of its budget and is the second largest funding source the remaining 20 per cent com es mostly from fundraising events and donations american express the chartered banks texaco canada the hudsons bay company and other finan cial institutions for which the agency has received funds often express their gratitude with dona tions 2942200 4959440 sei vice economist suntribune march 12 1986 bll 6402100 6492292 ureaformaldehyde foam insulation uffi act now uff1 program 5000 tax free govt grant ends sept 30 1986 free energy package to qualified home owners uffi removals restorations free estimates references uffi hotline call nowi 18003874259 brilardon jtenovotioh 6i construction td fj uffi registration lj 2770 complete basement finishing work floor wall tiling plumbing work installing dead locks reasonable prices free estimates call mark 4755858 allan marks plumbing repairs alterations no job too small 4774330 9211341 four season aluminum sales est 1961 replacement windows siding fascia soffit afcan baking products doors windows vinyl siding eavestroughs awnings a craig glenn phone rr3 stouffville 6405603 canadian landscaping treesshrub tree pruning dor mant oil spray in early april lawnscall us about our stay green lawn program me weed spraying ferti lizing insect control all work guaranteed in business 25 years 2920018 8394136 acs appliance service repairs to ail makes ot washers dryers irldqes stoves etc guaranteed repairs same day service weekdays- evenings and saturday no extra charge 6402637 4752227 public meeting proposed zoning bylaw amendment tuesday april 15 1986 730 pm council chambers municipal offices buttonville ontario 8911 woodbine avenue markham ontario a public meeting will be held by the planning committee of the council of the corporation of the town of markham to consider a proposed zoning bylaw amendment under section 34 of the plan- ning act the proposed bylaw amendment applies to the special commer- cial sc1 zone category of bylaw 1 6580 as amended being the browns corners district zoning bylaw the lands currently zoned sci are shown on the map below special commercial areas are intended to contain commercial uses or associated commercial uses which by their function generally locate outside of shopping 1 centres the current list of permitted uses is very limited in scope and is not considered broad enough to adequately serve the area the purpose of the bylaw amendment would be to expand the list of permitted uses under the sc1 zone category to include addition al special commercial uses the effect of the bylaw amendment would be to expand the list of permitted uses to better serve the area the purpose of this meeting is to ensure that adequate information is made available to the public and to afford any person the oppor tunity to make representations in respect of the proposed zoning bylaw amendment if you are unable to attend the meeting your representation can be filed in writing either by mail or personal delivery to reach the office of the planning director not later than april 15 1986 the proposed zoning bylaw amendment and additional informa tion relating thereto are available for inspection in the planning department second floor 8911 woodbine avenue between the hours of 830 am and 430 pm monday to friday or further information may be obtained by telephoning the planning depart ment at 4777000 extension 224 during the same hours 16th avenue boundary of area covered by bylaw 16880 lands currently zoned sci dated march 5 1986 tm januszewskl planning director elson miles chairman planning committee mm painting wallpapering interiors exterior free estimates 6838775 or 751 7342 wallpapering specialists edwards tv antenna rotors towers installation removals repairs satellite tv 4741438 after 5 pm maynard cabinets custom furnishings wall units desks etc fred 6403441 seajay services o wallpapering alterations painting reasonable prices 4386133 ken smurthwaite heating ltd air conditioning duct vork custom sheet metal stouffville 6401428 dms construction custom building general contracting project management free estimates 4745118 15 years experience goodwood construction general building contractor commercial residential custom home building renovations alterations additions farm buildings richard j brunelle 6406414 6406372 wayne smith carpentry additions renovations cabinets decks 6406345 coxworth construction additions renovations rec rooms sun decks kevin 2943666 john heaton painting contractor high quality decorating fully guaranteed airless spray completely insured free estimates 6404338 carpet tile installation repairs 4741080 hathaway bros painting paper hanging airless spray interior exterior pratt lambert commercial industrial 32 years in business 115 main st w 6403075 stouffville 64041 34 after hours drew landscaping property maintenance markham ontario keith drew 2948599 ihihiiiiiiili- swiss design construction since 1970 we do interior designs lor homes designs for building permits solariums patio decks commercial projects office restaurants stores please call 6404311 o mccrossan son ltd building contractor custom carpentry our specialty additions renovations custom building 2946141 murray brown designers builders custom woodworking alterations repairs 8875576 unionville painting paper hanging residential commercial interior exterior 35 years experience leo c spurrell son free estimates 2666251 e buster nesbitt construction ltd custom homes alterations etc rr2 stouffville 6401791 wallpapering painting over 30 years experience stouffville markham 2834145 s home service fencing decks patios landscaping painting inside and out window door repair garage door services lots more call ross kent unionville 4772116 jim a bajarl building contractor custom homes additions and renovations rec rooms decks replacement windows custom carpentry free estimates 2941122 watch clock kfefwj jewellery quality repairs on premises 42 years experience 76 main st n- markham 2944844 roger heath carpentry lic b3591 contracting designing basement finishing specialist addtions renovations repairs free estimates references 2949786 evngs painting wall covering 30 years experience quality service free estimates roger pavnn 8811005 magic touch painting decorating residential commercial and industrial free estimates call 8892954 ely martin brown painting v vtiallpapering contractor evenings 6404514 pro power painters residential commercial fully insured free estimates john procenko bus 4715130pes 2940473 the name to trust in markham business directory setwrjr markham btm v- oolympia ibm sales serviceirentals electronic typewriters v touiilifounnccdl authorized dealer rasfe wtuuiora feco3m8swssb ohiaaimtts mi cwm ahsw- uhiis i orvfreedemonsmation canttieprwessionals iff moot ltyoftd competitive prices- nmrnomox ihm j equipment 4916873 4756302 sl business equipment ltd unit 12 34 sims crescent richmond hill ontario lab 1b8 sales rentals of new used office equipment toronto 416 7318284 toronto west 416 2235051 olympia international hi m w p0ray architect 6945424 design heritage renovations construction management consultations inc0metax preparation experienced tax preparer fast service call day or evening 2944358 freelance bookkeeping stenographic services books to trial talanco payroll t4 summaries and preparation government remittances costing typing porsonal income tax returns accounts payable and receivable cofec- lion of accounts receivable etc reasonable rates cal snrtey 416 6s2s242 computerized tax return service for personal small business fast accurate call ed 4714430 ja vanuden certified general accountant year round service personal corporate taxation accounting bookkeeping 2945851 bookkeeping accounting service for small businesses 8895683 bookkeeping accounting income tax ttatian german service 8897250 evgs