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ERIC BASCIANO . . . Prop. gt! ummflmxuxmmm I! [BE “£45 E KKK UK I“: DENY} LIBERAL CLASSIFIEDS-Get Results-8844105 friends our very best wishes for a very Men" and a happy and prosperous new year. On behalf of my staff and myself I would like to take this opportunity to extend to all our customers and AFTER HOURS R. TOMKINSON G. F. TARR RR 2. UXBRIDGE STOUFFVILLE 852-7222 640-2275 We have many beautiful designs crafted in granite marble or bronze. for your choice. Satisfaction guaranteed. Monuments erected in all cemeteries. Cemetery lettering and renovations. Out of respect 8: understanding we refrain from untimely solicitations. When time & circumstances are convenient, will you please consult us? F/IVE WWW/4R STOUFFVILLE MONUMENT WORKS Artistic Memorials of Distinction STOUFFVILLE 113 Main West THE LIBERAL._ Richmond Hill, Ontario, Thursday. Dec. 16, 1971 640-3643 from Shields Footwear ERIC BASCIANO . OF NO"! AHII CA “OWMIN'Y DWI. "WKWIXCIUI'KI Christmas FOR THE PAM/[V “What does credit counselling do?" asked John Pounder. inan- lager of the Richmond Hill Credit Union. as he presented a brief to Richmond Hill Social Plfinning Council December 7 ‘advocating establishment of such a service in the Region of York. “avian”: Credit CoUnselling Said Need In York Region grandchildren Both Mr. and Mrs. Bell keep very active and work in their garden. Mrs. Bell is a valued member of the Temperanceville UCW. The couple received telegrams of congratulations on their 60 years of married life from The Queen, Prime Minister Trudeau and John Roberts MP, York Simcoe. They have two daughters, Mrs. Madeline Ferguson and Mrs. Audrey Boyle and four ~..__-J,.‘L:I_1_.-.- The Bells were married in Toronto December 5, 191] and have resided in Oak Ridges for the past 51 years. For 17 years Mr. Bell farmed with his father on the (‘FRB Sideroad. Then he moved to the King Sideroad where he built his own home. He worked as a construction super- intendent before his retirement a few years ago and built many homes in the. area. Both Mr. and Mrs. Bell keep very active and work in their garden. Mrs. Bell is a valued A happy milestone in the life of Mr. and Mrs. Frank Bell of Oak Ridges was their recent Diamond Wedding Anniversary celebrated December 5 with family members and many friends from the neighborhood. In the evening they enjoyed dinner at the Summit View Gardens Restaurant. Oak I 3. Formulating general by-‘undertaken counselling and ii laws and rules; icome-prorating for individual 4. Preparation of a budget‘referred by employers an and operations plan for staffingiothers. Mr. Pounder saidâ€"the and administrative functions for in most cases this has permitte the first year of service; slow but suret‘ repayment o 5. Bringing in a report witn‘heavy debt loads, prevented los specific recommendation for of employment and improve setting up a York Region Credit the expenditure income balanc Counselling Service. of the individual. Mr. Pounder reported that he He felt the great need is to and Miss Janet Inch of York a counselling agency recognize Central Hospital Mental Health as a neutral between debtor ant Clinic had made a survey of creditor. Without such a: some social agencies. includingfagency each creditor is fearfu the Children's Aid Society,,‘that relaxation of his pressurt the Newmarket Juvenile Family may allow others to gain an ad Court. Public Health Nurses and vantage. Thus immediate an: found that the cases they han-lci‘itical situations such a. dle which could benefit fromithreatened loss of employmen credit counselling range from due to wage garnishees or sei "doing they develop the strength *to resist the blandishments of buy now pay later schemes." Mr. Founder's proposal, en- dorsed in principle by the counâ€" cil. is that a credit counselling service be created as a social service in the public interest for the residents of York Region. He suggested an appropriate form of organization. a non-pro- fit corporation without share capital. be formed direction of a board of directors representing social agencies, business organizations and interested individuals with- in the community. The council also approved the formation of an initiating com- mittee charged with: 1. Research on the extent of the need: 2. Exploration of active fin- ancial support in the first yea)“ of operation; under the‘ service' “This basic problem is not confined to those whose income is just sufficient for essential needs; unwise use of credit has ‘damaged the social fabric at all income levels below the top itenth. The constant insidious 'pressure bombards our unpre- jpared young, and urges every income level to consume more now. for conspicuous consump- tion is everybody’s birthright in? the morality of the market-1 iplace." Mr. Founder explained. “Effective help‘ with credit problems in timé has proven. for 1many. to be the essential step‘ to increased self-confidence: discipline and the will to solvef Jother personal problems. This lmeans that members of the in- dividuals family, his co-workers land the business community {benefit also." he continued. l Speaking from his experience 1with the credit union which has‘ Mr. Founder's proposal, en- dorsed in principle by the counâ€" cilv is that a credit counseiling service be created as a social ‘Mr. Founder described credit 10-40% of their case load. “Docâ€" counselling as a lifebuoy â€"â€" a tors. 1a\\'yers. bankers and other service which rescues thoseicommunity organizations find drowning in the sea of chronicithat behind the problems of indebtedness. “Those who can‘their clients there exists the pay are helped to pay their justibasic problem of mismanage- debts," he explained. “In so ment of income. doing they develop the strength “This basic problem is not to resist the blandishments oficonfined to those whose income buy now pay later schemes.” iis just sufficient for essential. _ . _ v . . V . u . . u l . AL ouul UL nu: pica- He felt the great “99“ is for sures on him must be reduced. a counselling agency recognized It must be determined what as a neutral between debtor and‘level of continued debt can be creditor. Without suCh an withstood. After a time we hand agency each creditor is fearful him back a greater percentage that relaxation of his pressure of his salary and some of his may allow others to gain an ad- debts to pay each month, but Vantage- Thus immediate andgwe don‘t hand him back debts critical situations such as which are high interest-bearing. threatened loss of employment‘Evew bad debt whinh “mam i “Effective help‘ with credit lproblems in timé has proven. for many, to be the essential step to increased self-confidence, discipline and the will to solve jother personal problems. This 1means that members of the in- dividual's family, his co-workers and the business community‘ ‘benefit also." he continued. ‘ Speaking from his experience 1with the credit union which has‘ undertaken counselling and in- come-prorating for individuals1 referred by employers and others. Mr. Pounder saidrthat‘ in most cases this has permitted‘ slow but surer repayment of‘ heavy debt loads, prevented loss of employment and improved the expenditure income balance of the individual. “Every dollar and interest comes from the debtor. The counselling service must recog- nize that he has lost self-con- fidence and the sum of the pres- sures on him must he reduced. It must be determined what level of continued debt can be Mrs. Doreen Wright wondered if people learn to move forward on their own in the process of clearing up their debts. Questioned by Neil Mann as to whether the Metro Credit Counselling Service might be extended to include Richmond Hill. Mr. Pounder felt there is a possibility. At present persons living here but, employed in Metro are eligible, he pointed out. l He pointed out that the On- ‘tario Department of Family and ‘Social Services will pay a sub- ‘sidy of 60% of the expense bud- ;get of a credit counselling ser- ‘vice that has operated for one year and is approved by the de- partment. He felt the costs of operation should be the respon- sibility of those who benefit and whose resources can support the service â€"â€" members of the business community and local‘ government. 5 1 He stressed the importance of such a service receiving very broad and general support from all groups and classes in the community. 'zure of personal assets. require prompt intervention by someâ€" one who is readily available. knows the case history and has some recognized authority in the community. 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