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Q. A picece of plaster fell froîn the ceiling of my apart- nient Iast wcek and Iuit me on tlhe liead. The aggravating tliing is lit I had told miy landlord several timnes that thie ccii ing was loose and dangerous. The falliîig plaster gave nie a cut whiclî took five stitclîcs to close --also I hiad to send tie carpet out (o get the blood stains. out. Mien 1 told the landiord 1 wantcd sonie comipensa- tion, lie toîd nme to look at miy lease. There was a clause there saying (bat lie was mot responsiblc or liable ini any way for personal injury, dcath. or damage to property, even if it was bis fauît. He says I signed tlie lease, su 1 have to agree (o the teiîiis. 1Is thiere anything 1 can do? A. Normally such a terni in a contract would be binding. on you. However, a residential tenancy is a speci 'al case. Under the Landîord and Tenant Act of Ontario thc land- lord is responsible for "providing and maintaining the rented prenlises in a good state of repair" (s. 96 ( 1)) Another section of the act says (hat niether the landiord nor the tenant can "contract out" of this duty. A recent case ini Ontario Higli Court decided thiat a tenant could recover damnages in a case like this even where the lease had a simiilar provision (o, yours. Q. 1 came (o Canada for political reasons froni the United States. But 1 didn't realize that so rnany places ceuld be so nationalistic. I've applied for several jobs in stores and restaurants. Whenever 1 I 1 in on the*applica- tion tbat I'm an American it seems to rin my chances. The manager or personnel deparlrnent says that they give preference to Canadian applicants. I'm getting a littie desperate and 1 think 1 might have to lie about my nationality the next time 1 apply some- where. Is this ilegal? A. You don't have to lie. Under the Ontario Humnan Rights Code it is illegal to discriminate in enîploymient on the-grounds of "..national ity, ancestry, or place of origin ...... Furthermore, employers cannot even use applications or interview forms that either directly or indirectly indicate preferences in these areas. Nor can the employer use applications or interviews which require a job applicant to furnish such informa. tion. The only exceptions are domestie service jobs, Federal Governiment jobs within Ontario, and joàbs where national origin is a "bona fide occupational qualification and requiremen'". If this happens to, you again, contact your local branch of the Ontario Human Rights Commission. Q People are always maligning'finance companies, but I don't think they're that bad. 1 wanted to buy a car but needed $1 ,200 more to close the deal. 1 went (o a bank and got turned down for the loan. Then 1. went to Ontario Acc*eptance and you should have seen te différence. The manager said that although 1 oniy make $80 a week he could see that I was a young man with a future. He said that I arn just the kind of young person his company enjoys doing business wfth. And do you know wha's more? Instead of the $1 ,200 I asked for, he loaned me $1 ,600, because he said I impressed him as a serious and competent young man. Really, finance companies- are really pretty good. A. Weîl at least the marager of the finance company waspartially right, suekers like you are the kind of people finance companies love to do business with. Althougb I don't, for a minute, doubt the fact that you have a nice face, 1 don't believe that any businessman would tend you money on that basis. The reason your pal at the finance company loaned you $1 ,600 instead of $1 ,200 you needed wàs to take the transaction out of the Small Loans Act. This Act decrees that on ail small Is-D Ioaîîs 011 anouiîts up to $1I,500, thecn maximiuminnterest cliargeable is 18% per annum. On amlounts over $ 1 ,500 any rate of' intlerest is legal. Therefore instead ot'just payig I18% (which is high enoughi) you are probably paying at least 24% and maybe even as high as 50%. That-,extra,$400 means that you will pay out at Ieast oneý third mnore ini interest. lncidentally, $ 1,600 at 24% per annum works out to about $400 per year, or about $33 a rnontlî, That, dont forget, is only interest and doesn't even take into account the amnount you owe on the principal. The next tirne you want to borrow money and the bank turn>s you down, forget it. Unless it's an cmer- gency, try flot to borrow from anyone except a banka trust company or credit union.ý If thiis proves impossible and you really nced the moncy, niake'sure -that you'rc flot paying anexhorbitant rate of intercst, and don't bc sweet-talked into borrowing more flhan you need. "'These questions and answers, hased on1 Ontario Iaw, arc published to inform and flot te advisc. No one should ltry to appîy ar.interpret the Iaw without the aid and advice of a trained expert who knows the facts, since the facts of each case may change the application- of the law." Last day'for Trade f air WHITBY - Again this year, the Whitby Chamber of Commerce is sponsoring a Trade Fair in connection witlî the CounWy Town Carn- ival. Commitcee Chairman Jim Caiger, of Andrew An- tenna Ltd., said today that "&everyone is liard at work to make this years' Fair even a bigger success than last year. Many former exhîbitors have returned," he said, "and along with some ncw faces, it promises to have somnething of interest for the whole family. ' The Trade Fair is being held in the Iroquois Park Arena in Whitby on JuIy 28, 29 and 30. It is open to the public from 6:30 p.m. (o 10:30 p.m. eachevening and there is no admission charge. There wiJl be many attrac- tive displays put together by local businesses and service and ethnic groups. As wcll, each evening there wdl be special entertainment fea- turcs: Monday - A Demon- stration of Dog Obedience, Tuesday - A performance by the Whitby Brass Band, and Wedncsd'ay - a children 's "Mutt" show. "This is a non-profit yen- ture sponsored by the Cham- ber in order (o acquaint Whitby residents with the products and services of tbeir Communi (y " said Mr. Caiger. ',The Theme of the Trade Fair is Whitby Covers the World," he said. "We feel that you'lI agree with this DOWNTOWN VALCI SALEII1 Thursdmy, Frldey end Soturdoy. Programm. for Suturd.y, Aug.2ude 12:00 - 1:00 Charisnia tbe Magician 12:30 -'1:00 Organ recital 1:00 - 1:00 The Whitby Vire Department has agrecd to do a hook and ladder demo at thie far end of thie Mal <Nearest (the firc Hall) 1:15 - 1:30 Whitby Library to pcrform a puppet -showx i'hc 1-GG" 1:30)- 2:15 Pet Show, appli- cations uvalIaf%'- - 4- from the YMCA 2:15 -2:30 Repeat perf'or- mance' or' the puppet show. 3:30 -5:30 .lFashion Show mens, ladies and childrens fashions 3:30 - 5:30 4 corner bingo 20 games arc to be played - 10 for cash or lot- (ery tickets and 10 wi th prizes.> bail. lie wilI also contact Other groups to sec if any other sports dem os can bc held. 4:00 -6:00 Wine & Cheese at. the Chalet. Historical Society: Hayrides: 4-30 -5:10 Sports demo net- CORNER BINGO- WilI have a dis- play in, front of Cable (v. TicketW will cost 50 cen ts per aduit and 25 cents per cid theme once the fair. you have 5( , là ~ ~6 WHITBY FREE PRESS, WEDNESIJAY, JULY 30. 1975, PAGE 13 T ennis program for al ages An ýexpanded program of tennis, tournaments wilI be held this year at the County Town Carnival by the Whitby YMCA, Whitby Tennis Club, an d Wh itby Recreation De- partmcent, ail day, August 2, 3 and 4. Ilhe evelits include junior students singles, ages 9. (o Tennis or running shoes are to be worn and players are to provide their own raquets and tennis bails. Entry forms mnust be in to the Recreation office at 105 Coiborne St. E. or the YMCA office in the Centen- niai Building by 1 p.m. Fr1- day, August i. 13; intermediate studentBi. 0 am s singles, ages 14 (o 17; andBn og m s senior ladies doubles, men'sa doubles, mnen's singles and Carnivainridé's mixed doubles. Senior events, (ages 18 and up) wiIl be held at Brook.. lin, Central Park (West Lynde)*, Hutchison, Peel and Willow Park courts. Junior and intermediate events- will be heIld at Willow Park and Brooklin and the Y courts at the rear of Henry Street High School. Ail finalists will play off at the Pecl Park courts on Monday. AIl competitors willreport to the tournament convener at the court of their choice at een 9 a.m. August 2 for playing times and other information. The carnival rides and Bingo games in Iroquois Park wilI again be a part of the Whitby County Town Carni- val, courtesy of-the Knights of Columbus. The rides are expected to be set up by, Tuesday', and will continueC th rough August 4. A western type dance will be held by the Knights of Columbus at their hall on Brock Street North at 9 p.m. August -2. A new air condi- tioning system is expected to be installed in the hall by tbat time. SEE WHAT A BUCK WILL BUY.., DURIN G DOLLAR DATE 1 iatý!ý 10I>A . 1