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Pay as you go highway is a winâ€"win situation projects. Highway 407 is a new road that is planned to be built north of Toronto. The problem now is that the 401 is too congested and that congestion costs billions of dollars per year in lost time for the trucking industry. The 401 is the busiest highway in North America, and it is used by more than a million vehicles a day. The solution is to construct the new highway, but economically the province cannot afford the expense. Money not being available for worthy projects is a familiar scenario. We hear about this when we discuss the health care system, education, and on and on. It is quite predictable that we will evolve to a system where the government decides what is to be done and then delegates the actual project and the cost of that project to business. Building a new highway is just one example. If business does build the 407, there will be a toll charge, and traditionally, there have been groups opposed to this. But now all sides seem to agree that the only feasible solution is to build the highway and to charge a toll. new Ontario highway might be a break through in government and business cooperation. This could provide a blueprint for future 374 QUEEN MARY DRIVE AUDREY NEILL* 847â€"3030 $189,900 Real Estate After 35 years, the highway will be paid for; plus, the investors will have made a profit and the highway will be given to the province. The province can remove the toll and life will continue as normal. Nobody will be forced to use and, therefore, pay for the new highway. But if drivers want to pay $3 or $4 to potentially avoid sitting in a 401 traffic jam, that will be their choice. This is a "user tax" that is charged on individuals that voluntarily decide to use a government service. In the short term, Ontario improved its transportation infrastructure, and in the long term, the province gets a free highway. This is a "winâ€"win" situation for all concerned. Peter Watson, MBA, CFP, RFP is the president of Peter Watson Investments Limited â€" an Oakville firm specializing in retirement planning, RRSPs, and investment planning. He can be reached at 842â€"7602. 7 SEWELL DRIVE NEENA SINGH* 847â€"3030 Real Estate © 1994 ArtPress International Gordon Pape is a financial author and broadcaster. On the Money provides general informaâ€" tion on money management. For specific advice, consult an appropriate financial professional PAPE‘S TIP: "Errors on your return can mean processing delays of as long as several weeks." Over 60% of taxpayers received refunds last year. You can speed up your refund â€" and perhaps get a little more back â€" by avoiding mistakes. e Math mistakes, especially calculating . ¥¥ ® WIHHIVH tax credits, surtax and _ refunded to taxpayers total tax payable. _ _ for 1992 tax year . e Failing to apply for the _ Revenue Canada GST tax creat @ Improper RRSP deductâ€" Unless your taxes are ions. Only you and especially complex, it‘ your spouse can conâ€" _ not worth paying som tribute to your RRSP. _ one to fill out your e Only tuition fees over _ return. You are more $100 at same instiâ€" likely to find that extra tution can be claimed. _ credit to claim yoursel Unless your taxes are * especially complex, it‘s not worth paying someâ€" one to fill out your return. You are more likely to find that extra credit to claim yourself. .tc# Average tax refund $12.6 pittion Expect the best* 1236 VALLEYBROOK DRIVE MENNOLINA GRESEL* 847â€"3030 $269,800 Real Estate Frequently missed Transfers from spouse or child. Look especially at age, penâ€" sion, disability, tuition and education credits. Provincial tax credits. Can be substantial. Find special forms and instructions in your tax package â€" read them carefully. Equivalentâ€"toâ€"spouse credit. For single parents, there are big tax dollars here. Carrying charges. If you paid a trustee fee for your RRSP, you have a deduction. No receipt necessary. GRAPHICS SYNDICATE 3/4