cacti eta erence a ig So as

ia te

peeves e

Se TR

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ih
te
4
.&

, ‘The. Best : Way |]
to Buy and, Sell!)

Rural America Growing

According to the U.S. Depart-
ment of Agriculture, the migra-
tion trend from rural areas to

cities has been reversed. Today,

rural America is growing al the
rate of 15.8 percert, The growth
rate for metropé titan areas is
9.8 percent.

Smell Survey

According to an international
smell survey, smokers have a

blunted response to odor quality:

- and generally find unpleasant
odors to be less unpleasant than
non-smokers do, says National
Geographic.

Molecular ‘Scissors’

Scientists al UCLA have de-
veloped a ‘‘molecular scissors”
capable of cutting DNA into large
pieces, an advance that may en-
able scientists to determitie more
efficiently the sequence of the
chemical bases that make up

genes and to better understand.

the structure of chromosomes.

‘Winter of 1988
Could Bea Doozy

. Sunspots increase and decrease
on the face of the sun ina short
cycle averaging 11.2 years, At the
- peak of one of these cycles, the
sun puts out up to 0.1 percent

more energy, a change that some
believe influences our weather
- and climate.
The Great Blizzard of 1888 oc-
curred during the bottom of such

‘acycle, asdid the winter of 1976-
. 77, when snow fell on the beaches

of Miamiand the Bahamas.

- The winter of 1987-88 comes
near the bottom ofa sunspot
cycle, when the sun’s energy out-

puis at itslowest.

~ Council

undecided

on CRTC
hearings

Mayor Jack Talstra has been
advised by Paula Aghar, Cana-
dian Radio-television and
Telecommunications Commis-
sion (CRTC) Director General
for’ Broadcast Co-ordination,
‘that the CRTC has scheduled a
public hearing in Prince Rupert’
on Mar. 11 to receive public in-
put on CBC's proposal to
redistribute CFPR’s staff to im-
prove their provincial coverage.

BLANKET CLA

ore than 84 Newspapers of the B.C. and Yukon Community N
more than 1.1 million households from White Rock to Whitehorse.

$129. for 25 words ($3 per each additional word) Call the Terrace Review at 63

These ads appear in the m

AUTOMOTIVE

$1 Down leases a new car or
truck. Seven Year warranty.
Payments from §98/mo -

$139/mo. O.A.C. Call lease

Manager at (604)465-8931.
DL S884, iM

BuyfLease any gas, diesel
car or truck, new or used.
Direct from volume factory
dealer. Call for pre-approved
credit. Call collect 464-0271.
05231.

‘Leasing Expert offers any

Car/Truck lease with im-
mediate delivery OAC, Spe-
cializing Ford

cury Lincoln Cars, Cail Doug
Perry personally 327-0431
collect.

Purchase/Lease/Rent -
Volkswagen, Audi, Cam-
pers, Buses. Our Commit-
ment is the lowest prices in
B.C. tor Votkswagen-Audi.
Cal! . 1-800-663-9349, Capl-
ano Volkswagen, 1151 Mar-
ine Drive, North Vancouver,
DLG066.

Logging “Trucks. New and
used. Complete financing

available. Fully rigged
Jeeps, Tri-axles, hig way
and off-highway. Phone

Steve or Grant at 1-800-
663-6205.

BUSINESS
OPPORTUNITIES

Freedom! Independence!
Make Money! Reduced
Taxes! Your Own Hours!
Capital Gains! Interested In
any of the above? Make your

lite interestin Pay bw

fun! Call Wilda (604
9892. Learn about a great

opportunity.

_Welding/Machine

rucks Mer-.

BUSINESS
OPPORTUNITIES

Very Profitable. Crown lines

- Radio Shack; Minolta, Can- -

on, etc. Sales $600,000. Rent
$500. Price approx $90,000.
Trained staff. Will train ow-
ner 1-604-787-8300 alter 9.

Shop.
Central [Interior B.C. Gross

approx. $350,000. Full price

$168,000, 80% can be guar-
anteed by Federal ovt.
$33,600 down takes. Phone
§28-0022 message.

Helsinki Method by Images.
Easy at home application.
95% effective hair regrowth
program. With 100% mon-
eyback guarantee. New in
Canada. Distributors wel-
come. 1-800-663-6306. (604)
534-6350. ___.

EDUCATIONAL

Diploma correspondence..
Free calendar. High School
upgrading, accounting, man-
agement, administration,
secretarial, computers. EF
tablished 1964. National Col-
lege, 444 Robson, Vancou-

ver, 688-4913 toll free 1-800- .

387-1281, 24 hours.
FOR SALE MISC.

Wonderful World of Sheep-
skin. Largest Selection of
sheepskin products and New
Zeajand Wool and sheepskin
mattress pads in Canada.

Coats, Seaicovers, Slippers -
‘much, much more.

Kelowna
- Phone 765-2300. Toll Free,
4-800-663-4333 B.C., Alta.

FOR SALE MISC. _

HELP WANTED

SSIFIED ADVERTISING

ewspapers Association and reach

5-7840

TRAVEL

Lighting Fixtures. Western
Canada’s largest display.
Wholesale and retail. Free
‘Catalogues available. Nor-
burn Lighting Centre, 4600
East Hastings Street, Bur-
naby, B.C. V5C 2K§. Phone
1-299-0666.

GARDENING

Greenhouse & Hydroponic
equipment, supplies. Every-
thing you need. Best quality,
super low prices, Green-
house $175., Halides $tt5.
‘Over 3,000 products in
stock! Send $2 for Info pack
& Free magazine to, Western
Water Farms, 1244 Seymour
St., Vancouver, B.C. V6B
3NQ9. 1-604-692-6636.

HELP WANTED

Enthusiastic junior reporter
with good photographic
skills required for bi-weekly
community newspaper. Ex-
cellent chances for advance-
ment. Send resume, clip-
ings, references to Tri-
une, N. 1st Ave.,
Williams Lake, B.C. V2G
1¥8.

Work Overseas - For Single
People interested in foreign

agriculture. Farm work &

farm home positions are
available in Europe, United
Kingdom, Australia & New
Zealand. If you are between
19 & 28 years of age, please
contact: 1.4.E.A., 206, 1501
- 17 Ave., S.W., Calgary
Alta., T2T. 0&2 or phone
(403)244-1814.

the future.

business.

Aghar told Talstra, ‘“We ex-

pect to publish a Notice of
Public Hearing in this regard
early in January, at which time
public interventions will be in-

vited.”’

In considering the informa-_
tion, council decided to wait un-
tila firm agenda for the hearing

- has been set before submitting

potential customers,

For more businesses the willingness to
grant credit is essential to their growth.
But, knowing how to extend credit wisely,
monitor accounts efficiently and collect =
receivables effectively is necessary to en-
sure the financial well-being of your

Pros and Cons

Whether you are the seller or the buyer there are advantages and
disadvantages to doing business on credit.
The principal benefit to the’seller is that it increases sales. People
who would not normally buy from you due to lack of cash are now

The disadvantage of a credit transaction, whether as a seller ora
buyer, is added cost. Selling on credit means you do not receive im-

Establishing a
credit system |

From the first day you open your doors
for business, customers will want to deal
with you — on credit, to obtain your goods
or services in return for a promise to pay in

by Phil Hartl

Counsellor,
Federal Business
Development Bank

While your credit polic
policy is just as essentl

for prompt payment; i
procedures to follow w
The process of granting credit i

- customer according to the three C’

tention and willingness to pay; Capability, the ability of the in-

dividual or business to carry the proposed debt; and Capacity, the
he proposed repayment schedule.
Gathering the information
To collect the information you need about each customer you will
tion form. Whether you decide to use a form pur-
ffice-supply store or one you design yourself, it
least data such as name (both personal and
th of time both at the present location as
well as in business, bank and trade references, and other financial
obligations.

This information s
history can be checked by t

ability to handle t

require an applica
chased from an o
must gather at the very
business), address, leng

plain your
are better
count is in arrears.

‘

Reporter required immed-
lately. Must be experienced
in weekly newspaper field.
Experience on VDT's an
asset but not essential.
Should be creative and self-
motivating. Salary commen-
surate with ability plus ex-
cellent fringe benefits. Ap-.
ply in writing to Merritt
Herald, Box 9, Merritt, 8.C.
VOK 2B0.

!bec Aquaculture is accep-
ting applications for exper-
ienced Seafarm manager.
Send resume to Box 789,
Port McNeill, 8.C. VON 2R0.
No phone calls please.

SERVICES

ICBC owe you mo ey for
ersonal_ injury? Vancouver
awyer Carey Linde (since
1972) has Free Information.
Phone 1-684-7798. Second
Opinions Gladly Given.

ICBC injury Clalms? Call
Dale Carr-Harris - 20 years a
trial lawyer with five years
medical school before law. 0-

669-4922 (Vancouver). Ex- -

perlenced in head injury and
other major claims. Percent-
age fees available.

TRAVEL

Book CUBA Holidays with
Kaegi Travel. Over 70,000
Canadians visited CUBA in
1986 alone! Golden Age Dis-
counts (50 plus}. Kaegi Tra-
vel, 421 W: Broadway, Van-
couer, B.C. V5Y 1A4, 879-

Cold? Tired? Sore musctes?
- Enjoy soaking:and swim-
ming in the Therapeutic Nat-
ural-Hot Mineral Pools, fol--
iowed by a relaxing massage
at Fairmont Hot Springs
Resort, located in the British
Columbia Rockies. Skiing -
Fine Cuisine - A True Rom-
antic Get-A-Way for You
and Your Special Love. Lux-
ury accommodation as low
as $27.50 (plus tax) per
person per day double otcu-
pancy. Offer valid January
1st - March 31st, 1988. Must
be booked by January 20/88.
Call 1-800-663-6333.

Skiers: Lake Lauise, Can-
ada’s Favorite has 6 night/5
day ski holidays from $182.
per person, quad. occu-
pancy. Other varieties of ©
packages available. Call 1-
800-661-1158.

25 WORDS $129

(your paper's
. fame) —

{your classified
phone number)

On the other hand, if your business operates at the ‘twholesale’’
level you will be dealing with commerci
have the luxury of accepting ‘‘plastic’’.
sions regarding credit terms and.

al clients and you will not
You must now make deci-

conditions, in.particular how long
your customers will have to pay; whether discounts will be available
f interest will be charged and when; and what
hen accounts become overdue. ao,
s simply one of evaluating each:

s of credit — Character, the in-

hould then be verified. A customer’s credit
elephoning the applicant’s bank, trade
references, or other suppliers; the local credit bureau; a local office
of the Better Business Bureau; or obtaining a report from an agency
such as Dun & Bradstreet.
When you have accepted a cre
terms clearly to your customer. Any misunderstandings
handled before the order is delivered, not when the ac-

dit application make sure you ex-

Keeping Track of Receivables

y is important, a fair, consistent collection
al to making the credit system work.
Establish a policy that is firm but fair and stick to it — even at the

their brief.

Alderman Bob Cooper told
council that if a brief was
prepared, it wouldn’t be
necessary for council to make a
personal appearance at the hear-

ing.
court

On Dec. 31 as a result of a

Counter Attack road check three
Terrace men have had their
drivers licenses suspended.

mediate cash but still must pay operating expenses. This will result
in a need for additional working capital, probably borrowed at the
current interest rates.

In addition, you face the costs of determining customer wor-
thiness, maintaining records, sending and collecting bills, and the
inevitable bad debts.

Set A Credit Policy

Once you have decided to offer credit you must establish a policy
that will protect you and your business and yet be fair to your
customers, .

If you operate a retail business, granting credit can be a relatively
simple decision. Arranging to'accept one or more major credit cards
will ensure the bulk of your customers will have credit available

with little or no risk to you or your business.

risk of losing a so-called good customer. a

If an overdue account is difficult to pay now, it will only get
worse as it languishes on your books. Remember, the customer
whose account is clear is more likely to return to do business than
one whose account is badly in arrears.

Few factors of modern business management can contribute
more to the growth of your business than the wise use of credit.
Granting credit does mean accepting some risks, but they can be
reduced by following sound credit and collection policies and pro-
cedures right from the beginning.

The Terrace Friends and Familias of Schizophrenics is a support
group that meets once per month. Meetings are the 3rd Tuesday of the
month at 7:30 p.m. at the Psych. Conference Room at Mills Memorial