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economist suntribune july 29 1987 c1i how to find the right counsellor dr ed meade is a registered psychologist and director of the markbam stouffville family life centre in this column he answers questions from readers who remain anonymous q i am 35 years old and un attached i have some close friends but no one to share the ups and downs with i have often thought of getting professional help even though i have no serious emotional problems how do the services of psychologists psychiatrists and therapists dif fer must i be referred by my doc tor will ontario hospital insur ance plan ohip pay for these services how can i find the right person to listen to me a seeking professional help may be a wise move having the objec tive feedback of a trained person can be very helpful and you need not have a severe problem nor need you be mentally ill to be helped by this type of rela tionship as a general guideline when money moxy tbills for investing by darryl cailes although longterm ownership of investment vehicles is where the real financial rewards are in vestors will always have a portion of their money in a loaned posi tion ie fixed rate of return with guaranteed return of principal how much this portion should be will depend upon a variety of factors but the major considera tion is not a financial one it is psychological you should keep as much of your funds in a loaned position as it takes to ghe you peace of mind for peace of mind is a good investment there are many ways you can lend money lets look in detail at the safest and probably least understood of the many alterna tives government of canada treasury bills tbills are promissory notes issued by the bank of canada on behalf of the federal government they are sold at auction every thursday to financial institutions for resale to their clients tbills are fully guaranteed by the government of canada as to payment of principle at maturity this means that as far as safety is concerned it makes no difference from which financial institution you purchase your tbills the in stitution is simply the bookkeeper or the intermediary of the trans action between you and the bank of canada when buying tbills you should shop around a bit you will find that minimum amounts service charges yields and available terms to mature can vary signifi cantly the biggest difference between tbills and other short term cer tificates is that a treasury bill is actually a discount note you are buying it for less than you will re ceive when it matures hence the term discount for example if you bought an 85 day tbill to yield 785 per cent annual interest you would pay 982050 for a bill that would mature in 85 days at 10000 face value the difference of 17950 is your interest unlike a term deposit there is no penalty for selling tbills prior to maturity the return on your investment for the amount of time you have held the bills however will depend on the trend of in terest rates since you purchased them darryl cailes is an account ex ecutive in the willowdale office of the investment firm of nesbitt thompson deacon and is a gorm- ley resident r friend in meade 2 ed mscjs seeking help i would ask is this person professionally trained and does the person espouse the ethics of a recognized profession secondly is this a person you can feel comfortable with you ask how the services of the psychologist psychiatrist and therapist differ psychiatrists are people who have received a medical degree and who then specialize in doing therapy and behavioral assess ments this profession is trained to handle the more severe human disturbances that could be classi fied as mental illnesses such as schizophrenia and manic de pressive psychosis however psychiatrists need not and do not limit themselves to the mentally ill and many psychiatrists carry full practices of people who experience a broad range of human difficulties psychologists are people who are trained at a doctoral level with a concentration in the field of psychology ie the science of be havior psychologists are trained in various capacities with many focussing on clinical counselling and psychological assessment psychologists may work with the mentally ill in a hospital set ting but do not ha ve the legal man date to prescribe drugs as a psychiatrist does both the psychologist and the psychiatrist have legally defined professions the therapist is a person who should be trained in principles of psychology and hu man relations the professional therapist it is usually recognized has a masters level degree though there are some excellent therapists who do not have this level of education the term therapist can apply to many disciplines all of which have standards of education and of practice such as speech phy siotherapist massage therapist in the area of family therapy many of these people are social workers andor clinical members of the ontario association of mar riage and family therapy ohip covers only the services of a psychiatrist at this point in time however many extended health benefits cover partially or totally the services of a psycho logist there are some extended health benefit coverages for other professional health services as well to find the right person to lis ten you could ask your physician or call the ontario board of ex aminers in psychology 9618817 be sure to ask if you are unsure what the persons professional qualifications are and be willing to check them out psychological services are available at the markham and stouffville family life centre 2942371 where therapists work under inline supervision of a psychologist dr meade welcomes your ques tions if your response is pub lished name and identity if in cluded will be withheld ques tions may be directed to the mar kham stouffville family life centre 113 main st markham hohcmondayaugust3rd dorit jvosslhis amazing fireworks spectacular this simcoe day wonderlands the onej for everyone morning til night challenge all the great rides including the 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