FOR ,
MUSIC WHILE 44,
YOU WAIT, PRESS

dollars.
“nd Sense.

GOVERNMENT, CUT.
BACKS: “getting you ‘down? -
uy a speakerphone with ©:
atic redial and get on
with vo life while you wait.

For example: M Canadian ¢ citi-. a
Teiiship card, now’30 years old. is -:
gétlinig a little Worn.-and the photo it

ows ofa fellow. ‘with, hair. no longer .

itizenship Count to, replace the card. |
called: — ~ Or a least, my Phone. redi

‘ally got ‘hrosahe I leamed I lived:
lose'to. have an appliston form

; ys,
rodueuviys| I guess I can put up
vith, tong waits.:(However, 1 will -/
sO wait to see a reduction i in the 7

$M OFF
FOR LUNCH
NOW -—
PLEASE
STAY ON

LET YOUR

TIME WORK
FOR YOU ~ EVEN
WHEN YOU'RE
ON HOLD,

h MESSAGG AGAIN,
PRESS...

ith cutl

- Although the $60 seems’ steep,

the user-pay approach is usually fair. ,

“On the other hand, | think the

~ Canadian, public wouldn’t mind shar-

ing the cost of a 45-cent stamp to
save me the gas {and the environ-.
ment the pollution) of the drive to
‘pick up an application form,

_ But goverment cutbacks don’t:
affect Canadians equally. Ifa service

"you rely on is reduced or eliminated,

you suffer more than somebody. who
doxsn’t use such a targeted service. It's
simply another variation of the “user:
pay” approach ——- although in this case

‘ you “pay” by losing the service. 7

* Waiting longer “and paying more
for ‘something like a citizenship card «
obviously matters far less thana |,
reduction in health, education and
similar services. -

And user-pay doesn” t work too

ell if. you can’t afford to pay —

~ yet you need (as opposed to want) 7

. through a

a service.
Ifa cutback catches you. either
cost inerease or 8 service ©
reduction. try un imaginative |
approach. Let's s Say you.or a family
member can no longer receive a pov-,

emunent-sponsored health or educa-”

tion service, Could you approach the
individual. to see if he or she would
be willing to continue privately in
exchange for a service you could

» provide? Or could somebody else in -

the community take over on a similar
barter basis?”

Ws worth a inv c= the worst that
can happen is the person says no.
And in that case, ask if that person
. knows somebody else or another way
around the problem. :

Mike Grenby is a. North Shore:
based “columnist and independent

“financial adviser; send your questions
ta’ 2444. Haywood .. Avenue,
Vancouver, B.C. V7VLYI

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