if i i i i i t i i i i f4 ii v r i i p 16 economisttribune thursday november 13 1997 taking simple precautions can prevent heater fires now that the cold weather is here you can help prevent heating fires by taking a few simple precautions your- local fire department suggests the fol lowing space heaters need space they are not to be used as a drying rack keep anything that can burn at least one metre three feet away from your space heater teach children never to play near the heater and always to keep toys and clothes away from it plug space heaters directly into a wall socket do not use extension cords always unplug your heater when not in use when purchasing a new space heater make sure that it meets the ulccsa approval ensure the heater has an automatic shutoff switch if it is tipped over be sure to always follow the manufacturers instruc tions for installation and placement considering these simple safety steps can help prevent fires guajiajnteed lowest cqst ten yeartefjvi ssh life insuranqe pmiums y nqboot homes await exchange students monthly rates guaranteed call for lowest rates call for lowest rates for level for 10 years for smokers 51520 year term maije non smoker age male non sm v5ooooo 35 2115 ifemale nonsmoker 500000 32 50 7785 55 i 11700 rjsofrvr 19260 c- 35010 2115 2115 v -v- 2970 s camgyril gerson insurance 9057646924 member independent life insurance brokers of canada the youth for understanding inter national exchange program yfu still has 1998 placements open in families from japan with departure in march and new zealand departing in janu ary who would like to open their homes to canadian youths aged 1 5 to 1 8 for a period of 1 1 months the students live with families in their host country as a family member attend high school and learn about the countrys cultureand language during their overseas experience yfu looks for students who are flex ible have a spirit of adventure and who enjoy the challenge of adapting to rrsps rrifs new people in a new coun try there are no language re quirements for students traveling outbound from canada but the yfu pro gram is very much based on school experience so a cer tain interest in academic activity is necessary being an exchange student is a truly unique experience teaching so many valuable skills useful in all areas of life former exchange students claim that they have gained maturity tolerance and un derstanding while exploring a new culture making friends who have a back ground different from their own and learning a new language from scratch youth for understanding is a nonprofit organization operating since 1951 each year yfu exchanges for more than 4000 students around the world are co ordinated by the organiza tion and its volunteers yfu canada offers ex change programs to 10 dif ferent countries including germany denmark vene zuela and many other inter esting very different places worth seeing students or parents inter ested in more information or an application form can contact yfus canadian office at 1800teenage if yoi m were born in 1 926 1 927 or 1 928 your rrsps must be collapsed by dec 311 997 there are many options available to you so dont just buy a rrif together we can create a comprehensive retirement plan or review your existing plan and show you i p how to optimize your rrsp assets into a secure retirement income stream an estate bond to pass your rrif assets to your heirs not revenue canada properly allocate your retirement assets to achieve your desired return an estate multiplier to increase your surviving spouses net income how to shelter surplus retirement income from further taxation o methods to increase your aftertax retirement income alleviate the oas clawback call for a complimentary appointment today david parsons 6427777 certified financial planner nearly 20 years experience independent to serve your needs best 6288 main st stouffville l4a 1g7 do you know signs of heart attack heart attacks are killing more and more canadians every year do you know the signs and symptoms of an upcoming heart attack do you know cpr november is national cpr month its a good month to learn what to do symptoms of a heart attack start well before it actually happens it is important to know how to recognize these signs and symptoms and what to do about them know ing cpr can mean the difference between life and death every second counts and the longer a person suffering a heart attack waits for help the lower their chances of survival st john ambulance offers a wide- range of first aid and cpr classes for more information or to register call 1- 8002681677 were not lion mu t flea market over 600 dealers majorjjrandjnamesat bargain prices antique market over loo dealers id clinic farmers market fresh produce old world deli sportscard show also on wednesdays 530 pm 930 pm sunday 9 am to 5 pm free parking bus tours welcome upemu pickering flea market antique fair metro east trade centr brock roach pickering just north of hwy 401 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