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TUESDAY, OCTOBER 24 SALE TIME: 11:00 A.M. Going out of Business Sale Bakeshop Equipment The property of ADRIAN'S BAKE SHOP," 33 Queen St. Lakefield. Complete liquidation of bake shop including Esmach 1 bag spiral mixer 100 qt. (3 yrs. old - worth $9400.00 new), Acme rol sheeting, 1 bread molder (3 yrs. old - worth $5,000.00 new), Small sale - please be prompt. For infor- mation call Peterboro Auctions 745-5007. TUESDAY, OCTOBER 24 SALE TIME: 6:30 P.M. Corneils Auction Barn Mahogany china cabinet, walnut nesting tables, maple table & 4 chairs, maple Captains chairs, chesterfields, quantity of wooden kitchen chairs, parlour tables, Kenmore automatic washer, flat-top trunks, occa- sional chairs, drop leaf tables, wicker chairs, modern chests of drawers, upright freezer, school bell, pine blanket boxes, crocks, modern dressers, coffee & end tables, quantity of tools, china & glass. Don Corneil Auctioneer, R.R. 1, Little Britain. 705-786-2183. Port Perry Star ADVERTISING DEADLINE MONDAY - 11:00 AM Real Estates - 5 Thursday FALL STOCKER SALES Sold & Managed by Carl Hickson Auctions. At Lindsay Community Sale Barn, R.R. 2, Lindsay, Ont. Wednesday - Oc: tober 18 - Mixed - Calves & Yearl- ings. Peterborough & Victoria County Cattle Men's Sales. Wednesday, Oct. 25 - All Yearling Sale. Wednesday, Nov. 1 - All Calf Sale. Wednesday, Nov, 8 - Mixed - Calves & Yearlings. To consign to County Sales contact Wayne Teleford 705-292-9531. All above sales start at 10:00 a.m sharp. QUINTE CATTLEMEN'S SALES At Hoard's Station Sale Barn, R.R. 5, Campbellford, Ont. Thurs- day, October 26 - Mixed Sale - 30 percent calves - 70 percent Year! ings. Thursday, November 9 - Mixed Sale 80 percent calves - 20 percent Yearlings. These sales start at 12 Noon. To consign to Quinte Sales contact Pat Quinn 705-653-2018 - Dave Denure 613-395-5481 or Sale Barn 705-653-3660. All these Stocker Sales are top quality, farmer fresh cattle. Our Fall Series begins with a COW- CALF SALE. SATURDAY EVENING OCTOBER 14 at 7:00 p-m. at Lindsay Community Sale Barn. All sales managed & sold by Carl Hickson Auctions, Reaboro, Ont. 705-324-9959 - Car Phone - 705-749-7084. NOTE: Regular Weekly Sales - Mon. at 1:00 p.m. & Fri. at 11 a.m. Lind- say Sale Barn. Tuesdays at 12 Noon - Hoard"s Station Sale Barn. Hope to see you during the Fall Season. Clip this ad and save for dates!! Free credit counselling for financial problems Deep in debt and nowhere to turn? Free, confidential and pro- fessional assistance is available simply by calling the Oshawa & District - Credit Counselling Service. The service is free to con- sumers because 60 percent of the costs are covered by the Provin- cial Government and the rest comes from charitable donations and United Way funding. Despite the fact that Credit Counselling Services are well publicized there are still people paying for this service. And the cost is high! Many people, ob- viously unaware of free Credit Counselling, respond to newspaper ads and pay at least $250.00 for similar services. Those already in debt should not be made to pay for advice on how to resolve their financial problems. The personal effects of a heavy debt situation can be crushing and terrifying. It can create stress, marital discord and sometimes violence. When people come to Credit Counselling they are often in a financial crisis. So, if you have questions about credit, need assistance in developing a budget or are having difficulties repaying your debts, contact: The Oshawa & District Credit Counselling Service, 172 King St. E., Oshawa, Ontario L1H 1B7 -- 579-1951. Shop smart...learn new laws which help protect consumers It pays to shop smart and that means learning about new laws passed this year to protect con- sumers, experts say. In keeping with their theme -- Shop Smart, It Pays -- organizers of Consumer Week '89 are pro- moting shopper education Oc- tober 23 to 28, throughout the pro- vince. Through a multi-media campaign, Consumer Minister Gregory Sorbara will be en- couraging Ontario residents to learn about their rights and responsibilities in the marketplace. Special activities will also include programs in schools and a Consumer Educator of the Year competition. In the year since Consumer Week was last held, many new rules and regulations have been passed, Sorbara says. The legisla- tion addresses such issues as fitness club contracts, car repairs and propane refrigerator safety. '"'How many people know they can now cancel a fitness club con- tract at no cost if they do so within five days of signing?" asks Marilyn Gurevsky, a head con- sumer advisor with the Ontario Ministry of Consumer and Com- mercial Relations (MCCR). "We've developed a lot of new protections, but you've got to know how to make them work for you." The Prepaid Services Act is of major importance, she says. '"This is the one that deals with fitness, health and dance clubs, as well as other similar organiza- tions that take payments up front for future services. The new law makes joining one of these clubs less risky and I strongly suggest that anyone thinking of signing up for this sort of thing, get details about their rights from the ministry first." Briefly, the act protects con- sumers signing contracts for $50 or more with clubs involved in health, fitness, modelling, diet, talent, marital arts, sports an dance activities. : Some highlights provide for: * a five-day cooling-off period, during which time contracts can be cancelled; * a limit on the duration of con- tracts to a maximum of one year; * and the option of making mon- thly payments. Car owners gained important legal protection with the enact- ment of the Motor Vehicle Repair Act, Gurevsky says. The law requires repair shops to provide warranties on new and reconditioned parts, as well as associated labor. They must also give written estimates on request and post signs listing repair rates. Under the new act, actual charges cannot exceed the estimate by more than 10 percent. "If you aren't familiar with this new piece of legislation and you own a car, it would be a good idea to get a fact sheet from the ministry now," says Gurevsky. "It's always easier to insist things are done by the book from the start, rather than trying to un- tangle a mess of mistakes later." Another new regulation of vital importance, particularly to cot- tagers, prohibits the sale of pro- pane refrigerators that do not vent directly outdoors. This rule was adopted due to concerns about the number of fatalities linked to malfunctioning propane fridges every year, Gurevsky says. Although they won't be fully ap- proved until next year, new regulations governing funeral and cemetery services have also been developed by MCCR. The proposed legislation would prohibit phone and door-to-door solicitations for cemetery lots, services and supplies. It also sets out specific information that must be included in contracts for such purchases. Information about Ontario's consumer legislation, old and new, is available from the ministry's information centre at 555 Yonge Street, Toronto, On- tario M7A 2H6 -- (416) 326-8555 or toll free at 1-800-268-1142. Ontario residents with an 807 area code may call the 416 number collect. The TTY/TDD line for the hear- ing/speech impaired is (416) 326-8566. ' How will GST effect agri-food industry? Will the agri-food industry be better off is the government goes ahead with its plans for a goods and services tax? Farmers, their major sup- pliers, as well as processors met in Toronto this week to get a clearer picture of the GST, how it will work and what it would mean to them. The full day workshop was sponsored by the Ontario Federation of Agriculture, the province's largest general farm organization. At the workshop, senior govern- ment bureaucrats made a case that the GST will be favorable to famers because it would "wash out' any manufacturer's sales taxes presently buried in the cost of purchased inputs. This hidden tax is estimated to correspond to one to two per cent of farmers' operating costs However the cost of administer- ing the GST may overide any benefits farm businesses can ex- pect out of the new tax system. OFA President Brigid Pyke said: Local news, weather and information, 'A study on the U.K. VAT system showed that the cost to private business of complying with the tax was two per cent of total sales. A farm with $100,000 in cash receipts, for example, would be looking at $2,000 in additional costs just to comply with the GST. Even with the government's plan 'to pay a $600 administration fee to businesses, many farmers will still be out of pocket." Government accepts that the GST is regressive, and intends to relieve the burden on consumers by not taxing basic groceries. The only way to completely eliminate tax at the grocery checkout counter is to leave most farm and fish products out of the tax base. Unfortunately, Pyke noted, this leaves farmers out of pocket for weeks or perhaps months on the tax dollars they would have paid on their inputs. '""That's a drain on cash flow and that costs money. Cash flow compliance costs could be reduced by not taxing the sale of obvious farm supplies, for ex- ample fertilizers, pesticides, mix- ed feed, and big ticket machinery items," she said. Pyke also pointed out that quota transactions fall in a similar category since almost all quota transfers involve only farm businesses and their marketing boards. '"The obvious thing would be to leave quota transactions out of the tax base," she stated. The OFA President said the Federation's brief to the House of Commons Finance Committee (Blenkarn Committee) will bring up these and other issues, noting "We're being asked to pay out a lot in taxes and wait for months to get rebates back from the government. Not taxing farm supplies - especially big ticket items - will be one way of making it easier for farmers to comply with the GST." SCHOOL SUPPLIES Pencils - Lined Paper Erasers - Note Books - Math Sets - etc PORT PERRY STAR 235 Queen Street 985-7383 BR -- -- -- em --