(9784,1,'2016-04-20 12:40:29','2016-04-20 16:40:29','<div id=\"attachment_153292\" style=\"width: 810px\" class=\"wp-caption alignnone\"><img class=\"size-full wp-image-153292\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides.jpg\" alt=\"(Cultura RM Exclusive/Matt Dutile/Getty Images)\" width=\"800\" height=\"500\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-300x188.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-768x480.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-660x413.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides.jpg 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" /><p class=\"wp-caption-text\">(Cultura RM Exclusive/Matt Dutile/Getty Images)</p></div>\n<p>The first time I travelled to Europe I joined a tour, which was easily one of my worst travel experiences ever. The guide was excellent, but it was the set schedule that sucked; there was limited time to explore things on our own and going off the beaten path was not an option.</p>\n<p>In hindsight it was my own fault for not doing my own research. I chose a coach tour where the average size was 40 and they weren’t exactly aiming for the mid 20’s demographic. After that experience I swore off organized tours for quite a few years, but does that mean tour guides have become a thing of the past?</p>\n<p>Absolutely not! When I travelled to the Middle East, I decided to book a tour through Intrepid Travel which ended up being one of the best trips I’ve ever taken. In certain situations hiring a professional guide or joining a tour are totally worth it since they can save you time and money.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/let-a-city-local-be-your-travel-guide/\">Let a city local be your travel guide » </a></p>\n<h2>When to use a tour guide</h2>\n<p><strong>When you have limited time</strong> – We don’t always have the luxury of exploring new locations for an extended period of time so hiring a guide in these situations can be extremely beneficial. Before you depart hire a guide who can meet you in a convenient location when you arrive so you can maximize your time.</p>\n<p><strong>Historical sites</strong> – There’s so much history all around the world that you may want to hire an expert to give you the rundown of the site you’ve travelling to. The Pyramids of Giza, the Vatican Museums, and Jerusalem are all places where having a knowledgeable guide is invaluable. Keep in mind that in many places if you’ve hired a guide, you can skip the lines which will give you more time to explore the sites.</p>\n<p><strong>Adventure travel</strong> – Adventure travel can mean anything to anyone, but if you’re looking for a different experience, or you’re travelling to an area where safety is a concern then having a guide will give you piece of mind. Many adventure travel companies do small groups only and use local guides so right away you’re getting a different experience.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/the-top-adventure-tour-companie/\">The top adventure tour companies » </a></p>\n<p><strong>Cruise ports</strong> – Cruises are appealing since you get to see quite a few different locations while enjoying the amenities of a big ship. The problem is that port stops tend to give you limited time and often where you dock may be far from the city. Hiring a local guide who specializes in cruise stops are good way to save money compared to the official guides that your cruise lines recommends. The locals know exactly what time you need to be back so there should be no worries about missing your deadlines.</p>\n<p><strong>When language is an issue</strong> – Although communicating around the world is not as big of an obstacle these days with data plans and sign language, many travellers still prefer the company of a guide who can help translate. These guides are extremely helpful when visiting sites where English is very limited and there are no other translations available.</p>\n<p><strong>When transportation is limited</strong> – There’s plenty of sites near major cities worth visiting but often getting to them can be a serious issue. Hiring a private driver / guide will take all the hassle out of planning your transportation routes. Even if they can’t give you detailed descriptions of what you’re seeing, they’ll probably know of attractions worth seeing that you’ve never even heard of.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/food-glorious-food-tours/\">Ever been on a food tour? » </a></p>\n<p><strong>Final word</strong></p>\n<p>With so many tours out there it may seem impossible to figure out which one to go with, but it’s incredible easy these days. Try <a href=\"http://www.tourradar.com/\" >TourRadar</a>, a site that makes booking tours easy. With all their different filter options, you can easily narrow down which tour is best suited for you.</p>\n<p class=\"p1\"><em><span class=\"s1\">Barry Choi is a personal finance and budget travel expert at Moneywehave.com.  He has been quoted by media in Canada and the United States including The Financial Post, The Toronto Star, Business Insider, The Globe and Mail, and has appeared on HuffPost Live. You can follow him on Twitter: <a href=\"https://twitter.com/barrychoi\"><span class=\"s3\">@barrychoi</span></a> </span></em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/when-a-tour-guide-is-worth-it/\">When a tour guide is worth it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','When a tour guide is worth it','<p>Not sure if you should go with a tour guide? It depends on your situation </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/when-a-tour-guide-is-worth-it/\">When a tour guide is worth it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9783-revision-v1','','','2016-04-20 12:40:29','2016-04-20 16:40:29','',9783,'http://feedwordpress.radgeek.com/?rev=5ee9cf1034095fc99c7098fa4ed0ba4f',0,'revision','',0),(9785,1,'2016-04-20 09:01:38','2016-04-20 13:01:38','<p>Do you plan on redecorating your bedroom but have a small budget? A New York home design expert offers tips and tricks for creating a dramatic transformation in your bedroom using only a $300 decorating budget.</p>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT4M\" />\n        <meta itemprop=\"thumbnailUrl\" content=\"http://citynondrm.edgesuite.net/pd/2226196965001/201510/2226196965001_4586234899001_4586224431001-th.jpg?pubId=2226196965001\" />\n        <meta itemprop=\"name\" content=\"Arrange My Space: Small Bedroom on A Budget\" />\n        <meta itemprop=\"description\" content=\"In this episode of Arrange My Space, designer Barbara Brock turns a small, outdated bedroom into a luxurious, romantic haven on a budget of just $300. 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https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl  \nCamerons Car Reviews Score: 5/5 \nEPA Numbers: 24/31 \nPhotos: https://www.facebook.com/media/set/?set=a.937406286271747.1073741893.349462695066112&amp;type=3\nPowertrain Options: 2.0 L 4-Cylinder Turbo or 3.0 L Turbo 6-Cylinder with a 7-Speed Auto RWD or AWD \nEngine &amp; Performance\nBASE ENGINE SIZE 2.0 L \nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS Inline 4 \nVALVES 16\nVALVE TIMING Variable \nTORQUE 273 ft-lbs. @ 1300 rpm\nHORSEPOWER 241 hp @ 5550 rpm \nWarranty\nBASIC 4 yr./ 50000 mi. \nDRIVETRAIN 4 yr./ 50000 mi.\nRUST 4 yr./ 50000 mi.  \nDriveTrain\nDRIVE TYPE Rear wheel drive \nTRANSMISSION 7-speed shiftable automatic \nCompetitors: BMW 3 Series, Audi A4, Cadillac ATS','2015 Mercedes-Benz C Class (C300) Start Up and Review 2.0 L Turbo 4-Cylinder','','publish','open','open','','2015-mercedes-benz-c-class-c300-start-up-and-review-2-0-l-turbo-4-cylinder','','','2014-08-14 08:05:29','2014-08-14 08:05:29','',0,'http://www.l2ocredit.com/2014/08/14/2015-mercedes-benz-c-class-c300-start-up-and-review-2-0-l-turbo-4-cylinder/',0,'post','',0),(9787,0,'2016-04-20 13:42:42','2016-04-20 17:42:42','','2015 Mercedes-Benz C Class (C300) Start Up and Review 2.0 L Turbo 4-Cylinder','','inherit','open','closed','','2015-mercedes-benz-c-class-c300-start-up-and-review-2-0-l-turbo-4-cylinder-2','','','2016-04-20 13:42:42','2016-04-20 17:42:42','',9786,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-mercedes-benz-c-class-c300-start-up-and-review-2-0-l-turbo-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9788,0,'2016-04-20 13:42:42','2016-04-20 17:42:42','','2015 Mercedes-Benz C Class (C300) Start Up and Review 2.0 L Turbo 4-Cylinder','','inherit','open','closed','','2015-mercedes-benz-c-class-c300-start-up-and-review-2-0-l-turbo-4-cylinder-3','','','2016-04-20 13:42:42','2016-04-20 17:42:42','',9786,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-mercedes-benz-c-class-c300-start-up-and-review-2-0-l-turbo-4-cylinder-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9789,1,'2014-09-12 11:00:03','2014-09-12 11:00:03','One model year shy of retirement, we decided to put Mitsubishi’s pocket rocket to the test at a secret location in California. Here’s a raw look at the events that’s transpired. \n\nFor the latest Lancer pricing and information:\nhttp://www.kbb.com/mitsubishi/lancer/2015-mitsubishi-lancer/ \n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb','Impromptu Rally Driving: Mitsubishi Lancer Evolution X','','publish','open','open','','impromptu-rally-driving-mitsubishi-lancer-evolution-x','','','2014-09-12 11:00:03','2014-09-12 11:00:03','',0,'http://www.l2ocredit.com/2014/09/12/impromptu-rally-driving-mitsubishi-lancer-evolution-x/',0,'post','',0),(9790,0,'2016-04-20 14:07:22','2016-04-20 18:07:22','','Impromptu Rally Driving: Mitsubishi Lancer Evolution X','','inherit','open','closed','','impromptu-rally-driving-mitsubishi-lancer-evolution-x-2','','','2016-04-20 14:07:22','2016-04-20 18:07:22','',9789,'http://www.l2ocredit.com/wp-content/uploads/2016/04/impromptu-rally-driving-mitsubishi-lancer-evolution-x-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9791,0,'2016-04-20 14:07:23','2016-04-20 18:07:23','','Impromptu Rally Driving: Mitsubishi Lancer Evolution X','','inherit','open','closed','','impromptu-rally-driving-mitsubishi-lancer-evolution-x-3','','','2016-04-20 14:07:23','2016-04-20 18:07:23','',9789,'http://www.l2ocredit.com/wp-content/uploads/2016/04/impromptu-rally-driving-mitsubishi-lancer-evolution-x-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9792,1,'2015-04-01 19:20:24','2015-04-01 19:20:24','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','Lincoln Continental Concept - 2015 New York Auto Show','','publish','open','open','','lincoln-continental-concept-2015-new-york-auto-show-2','','','2015-04-01 19:20:24','2015-04-01 19:20:24','',0,'http://www.l2ocredit.com/2015/04/01/lincoln-continental-concept-2015-new-york-auto-show-2/',0,'post','',0),(9793,0,'2016-04-20 14:34:17','2016-04-20 18:34:17','','Lincoln Continental Concept &#8211; 2015 New York Auto Show','','inherit','open','closed','','lincoln-continental-concept-2015-new-york-auto-show-5','','','2016-04-20 14:34:17','2016-04-20 18:34:17','',9792,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lincoln-continental-concept-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9794,0,'2016-04-20 14:34:17','2016-04-20 18:34:17','','Lincoln Continental Concept &#8211; 2015 New York Auto Show','','inherit','open','closed','','lincoln-continental-concept-2015-new-york-auto-show-6','','','2016-04-20 14:34:17','2016-04-20 18:34:17','',9792,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lincoln-continental-concept-2015-new-york-auto-show-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9795,0,'2016-04-20 14:34:18','2016-04-20 18:34:18','','Lincoln Continental Concept &#8211; 2015 New York Auto Show','','inherit','open','closed','','lincoln-continental-concept-2015-new-york-auto-show-7','','','2016-04-20 14:34:18','2016-04-20 18:34:18','',9792,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lincoln-continental-concept-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9796,1,'2013-09-26 10:49:10','2013-09-26 10:49:10','MotoMan &amp; his twin from New Jersey give a preview of the all new front wheel drive Mercedes CLA and the 4MATIC All Wheel Drive CLA 45 AMG . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Mercedes playlist:\nhttp://goo.gl/BzUeEp\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','2014 Mercedes CLA 45 AMG &amp; CLA 250 Preview','','publish','open','open','','2014-mercedes-cla-45-amg-cla-250-preview','','','2013-09-26 10:49:10','2013-09-26 10:49:10','',0,'http://www.l2ocredit.com/2013/09/26/2014-mercedes-cla-45-amg-cla-250-preview/',0,'post','',0),(9797,0,'2016-04-20 14:51:04','2016-04-20 18:51:04','','2014 Mercedes CLA 45 AMG &amp; CLA 250 Preview','','inherit','open','closed','','2014-mercedes-cla-45-amg-cla-250-preview-2','','','2016-04-20 14:51:04','2016-04-20 18:51:04','',9796,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-mercedes-cla-45-amg-cla-250-preview-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9798,1,'2016-04-20 09:00:59','2016-04-20 13:00:59','<div itemscope=\"itemscope\" 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href=\"http://www.moneysense.ca/spend/real-estate/buying/when-is-the-right-time-to-buy-a-home/\">When is the right time to buy a home?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','When is the right time to buy a home?','<p>Here\'s how to know if you\'re financially and emotionally ready</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buying/when-is-the-right-time-to-buy-a-home/\">When is the right time to buy a home?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 09:00:59','2016-04-20 13:00:59','',0,'http://www.moneysense.ca/?p=153234',0,'post','',0),(9799,1,'2016-04-20 09:00:59','2016-04-20 13:00:59','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT2M12S\" />\n        <meta itemprop=\"description\" content=\"\" />\n 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href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','When is the right time to buy a home?','<p>Here\'s how to know if you\'re financially and emotionally ready</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buying/when-is-the-right-time-to-buy-a-home/\">When is the right time to buy a home?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 09:00:59','2016-04-20 13:00:59','',0,'http://www.moneysense.ca/?p=153234',0,'post','',0),(9800,1,'2016-04-20 09:00:59','2016-04-20 13:00:59','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT2M12S\" />\n        <meta itemprop=\"description\" content=\"\" />\n    \n    <div style=\"display: none;\"></div>\n\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\"></script>\n    <script 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With the right planning anything is possible </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/tips-for-financing-your-life-goals/\">Tips for financing your life goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 09:00:03','2016-04-20 13:00:03','',0,'http://www.moneysense.ca/?p=153326',0,'post','',0),(9803,1,'2016-04-20 09:00:03','2016-04-20 13:00:03','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT6M48S\" />\n        <meta itemprop=\"description\" content=\"\" />\n    \n    <div style=\"display: none;\"></div>\n\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\"></script>\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\"></script>\n\n    <object id=\"myExperience4854124808001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"4854124808001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/tips-for-financing-your-life-goals/\" />\n        <param name=\"autoStart\" value=\"false\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n</div>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/tips-for-financing-your-life-goals/\">Tips for financing your life goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Tips for financing your life goals','<p>Want to go salmon fishing in B.C.? Enrol in chef school? With the right planning anything is possible </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/tips-for-financing-your-life-goals/\">Tips for financing your life goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9802-revision-v1','','','2016-04-20 09:00:03','2016-04-20 13:00:03','',9802,'http://feedwordpress.radgeek.com/?rev=8bc56dc19be4efe156add32f5970afbe',0,'revision','',0),(9804,1,'2016-04-20 09:00:03','2016-04-20 13:00:03','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT6M48S\" />\n        <meta itemprop=\"description\" content=\"\" />\n    \n    <div style=\"display: none;\"></div>\n\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\"></script>\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\"></script>\n\n    <object id=\"myExperience4854124808001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"4854124808001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/tips-for-financing-your-life-goals/\" />\n        <param name=\"autoStart\" value=\"false\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n</div>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/tips-for-financing-your-life-goals/\">Tips for financing your life goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Tips for financing your life goals','<p>Want to go salmon fishing in B.C.? Enrol in chef school? With the right planning anything is possible </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/tips-for-financing-your-life-goals/\">Tips for financing your life goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9802-revision-v1','','','2016-04-20 09:00:03','2016-04-20 13:00:03','',9802,'http://feedwordpress.radgeek.com/?rev=8bc56dc19be4efe156add32f5970afbe',0,'revision','',0),(9805,1,'2014-07-04 16:28:08','2014-07-04 16:28:08','The \"family sedan\" may not be very exciting, but without midsized sales auto makers would be in a pickle. Ponder this: the five best-selling midsized sedans in America accounted for 1.3 million of the 12.8 million vehicles sold in 2011. With numbers like that, it\'s important to get your mass-market people mover right. This means competitive fuel economy, a low base price and swipe as much tech from your luxury brand as possible. Either that or just wear a Nissan badge on the front. Say what? The last generation Altima was the second best-selling car despite being long in the tooth and filled with some questionable plastics. This Altima has a tougher task however, it needs to compete with Honda\'s new Accord and Ford\'s sexy Fusion which is selling like hot cakes. Can Nissan\'s traditional value proposition make up the difference? Or does the Altima have something else up its sleeve?\n\nA design that doesn\'t alienate the customer you expect to return and buy their second or third car is critical. Just ask Ford how that bubble-Taurus redesign went in 1996. Still, midsize sedan shoppers demand some style so Nissan\'s design team jammed a bit of Maxima, a pinch of Infiniti M and a \"whole-lotta\" Versa into a sausage press and cut the Altima off at 191.5 inches. This makes the new Altima longer than a Camry, a hair longer than a Maxima and essentially the same size as the Accord and Fusion. Nobody will confuse the Altima with an Aston Martin, nor will they think their neighbor is driving a budget Bentley. Instead the slab-sided Altima delivers clean lines and elegant good looks. Think of it as the Midwestern farm girl to the Fusion\'s Los Angeles call girl.\n\nSince our tester was the top-of-the-line SL, the cockpit featured a heated tilt/telescopic steering wheel, an 8-way power driver\'s seat and manually adjustable lumbar support. Shoppers that chose the 3.5L V6 will be treated to a pair of the best looking and best feeling magnesium paddle shifters this side of a BMW M6. Seriously. There\'s just one problem: paddle shifters on a car with a CVT make as much sense as a parking brake on a french poodle. (Yet for some reason I found myself caressing their magnesium goodness non-stop when I was behind the wheel.) Like the most entries in this segment, the front passenger seat remains manually adjustable regardless of trim level and upholstery. Thanks to Nissan\'s \"Zero Gravity\" seat design, the front seats proved comfortable and didn\'t\' aggravate my temperamental knee during a 2 hour road trip. Since manufacturers \"march to their own drummer\" when measuring legroom, take your family to the dealer and jam them all in the car before making a purchase.\n\nThe crash diet and CVT pay dividends at the pump.  The Altima 2.5 manages 27/38/31 MPG (City/Highway/Combined) and does so without direct injection, start/stop, batteries or aero packages. What about that V6? Nissan\'s focus on weight has made the Altima 3.5 lighter than the Accord V6 and Fusion 2.0 Ecoboost by over 200lbs. In our 3.5 SL I averaged an impressive 27.6MPG over a week of mixed driving. This is notably above the 25MPG combined EPA score despite my commute and the 2,200ft mountain pass I cross twice a day. You can thank the light curb weight and CVT for that. The Accord V6 matches the Altima\'s combined EPA number and the Fusion trumps it by one MPG on paper. In the real world, the Altima beat both by 4MPG.\n\nWhen the road curves, a light chassis will only get you so far, thankfully Nissan tuned the Altima\'s suspension to be compliant but surprisingly agile. Adding to the fun-factor, all V6 models are shod with 235/45R18 rubber, notably wider than the V6 Camry\'s standard 215 or optional 225 tires. The suspension, curb weight and tires combine to give the Altima a slightly higher road holding score than the Fusion 2.0 Ecoboost we got our hands on, but numbers aren\'t everything. The Fusion\'s steering may be numb, but it manages more feeling than the Altima and even I have to admit the CVT sucks the fun out of aggressive driving. If that matters to you, drive past the Nissan dealer and pick up a Fusion 2.0T with or without AWD.\n\nSome may call this a cop-out, but in my book the Accord, Fusion and Altima tie for first place in my mind. Here\'s why: each of this trio plays to a different audience. The Fusion is gorgeous, more dynamic than the Altima but has stumbled with the 1.6L Ecoboost quality issues. The Accord is a traditional choice with a solid reputation and greater visibility thanks to an enormous greenhouse. Meanwhile the new Altima is a stylish elegant sedan with a powerful and seriously efficient V6. If I were dropping my own money on a sedan in this category I would have a hard time choosing between the Altima 3.5 SL and a Fusion 2.0 Ecoboost.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 / 2015 Nissan Altima Detailed Review and Road Test','','publish','open','open','','2014-2015-nissan-altima-detailed-review-and-road-test','','','2014-07-04 16:28:08','2014-07-04 16:28:08','',0,'http://www.l2ocredit.com/2014/07/04/2014-2015-nissan-altima-detailed-review-and-road-test/',0,'post','',0),(9806,0,'2016-04-20 15:06:21','2016-04-20 19:06:21','','2014 / 2015 Nissan Altima Detailed Review and Road Test','','inherit','open','closed','','2014-2015-nissan-altima-detailed-review-and-road-test-2','','','2016-04-20 15:06:21','2016-04-20 19:06:21','',9805,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-detailed-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9807,0,'2016-04-20 15:06:21','2016-04-20 19:06:21','','2014 / 2015 Nissan Altima Detailed Review and Road Test','','inherit','open','closed','','2014-2015-nissan-altima-detailed-review-and-road-test-2','','','2016-04-20 15:06:21','2016-04-20 19:06:21','',9805,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-detailed-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9808,0,'2016-04-20 15:06:21','2016-04-20 19:06:21','','2014 / 2015 Nissan Altima Detailed Review and Road Test','','inherit','open','closed','','2014-2015-nissan-altima-detailed-review-and-road-test-2','','','2016-04-20 15:06:21','2016-04-20 19:06:21','',9805,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-detailed-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9809,0,'2016-04-20 15:06:23','2016-04-20 19:06:23','','2014 / 2015 Nissan Altima Detailed Review and Road Test','','inherit','open','closed','','2014-2015-nissan-altima-detailed-review-and-road-test-3','','','2016-04-20 15:06:23','2016-04-20 19:06:23','',9805,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-detailed-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9810,0,'2016-04-20 15:06:23','2016-04-20 19:06:23','','2014 / 2015 Nissan Altima Detailed Review and Road Test','','inherit','open','closed','','2014-2015-nissan-altima-detailed-review-and-road-test-3','','','2016-04-20 15:06:23','2016-04-20 19:06:23','',9805,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-detailed-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9811,1,'2011-11-23 08:15:39','2011-11-23 08:15:39','2009 VW Tiguan review\r\nfrom www.motormouth.ca','2009 VW Tiguan review','','publish','open','open','','2009-vw-tiguan-review','','','2011-11-23 08:15:39','2011-11-23 08:15:39','',0,'http://www.l2ocredit.com/2011/11/23/2009-vw-tiguan-review/',0,'post','',0),(9812,0,'2016-04-20 16:04:54','2016-04-20 20:04:54','','2009 VW Tiguan review','','inherit','open','closed','','2009-vw-tiguan-review-2','','','2016-04-20 16:04:54','2016-04-20 20:04:54','',9811,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-vw-tiguan-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9813,0,'2016-04-20 16:04:54','2016-04-20 20:04:54','','2009 VW Tiguan review','','inherit','open','closed','','2009-vw-tiguan-review-2','','','2016-04-20 16:04:54','2016-04-20 20:04:54','',9811,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-vw-tiguan-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9814,0,'2016-04-20 16:04:55','2016-04-20 20:04:55','','2009 VW Tiguan review','','inherit','open','closed','','2009-vw-tiguan-review-3','','','2016-04-20 16:04:55','2016-04-20 20:04:55','',9811,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-vw-tiguan-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9815,1,'2014-08-13 07:18:37','2014-08-13 07:18:37','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 5/5 \nPowertrain Options: 2.4 L 4-Cylinder or a 3.5 L V6 with a 8/9 Speed Automatic FWD or AWD \nFuel\nENGINE TYPE Gas \nFUEL TYPE Premium unleaded (required)\nFUEL TANK CAPACITY 17.2 gal. \nRANGE IN MILES (CTY/HWY) 361.2/584.8 mi. \nEngine &amp; Performance\nBASE ENGINE SIZE 3.5 L CAM TYPE Single overhead cam (SOHC)\nCYLINDERS V6 VALVES 24\nVALVE TIMING Variable \nTORQUE 267 ft-lbs. @ 4500 rpm\nHORSEPOWER 290 hp @ 6200 rpm \nTURNING CIRCLE 38.8 ft.\nEPA MILEAGE EST. (CTY/HWY) 21/34 mpg \nWeights and Capacities\nEPA INTERIOR VOLUME 107.6 cu.ft. \nCURB WEIGHT 3620 lbs.\nCARGO CAPACITY, ALL SEATS IN PLACE 14.3 cu.ft.\nWarranty\nBASIC 4 yr./ 50000 mi. \nDRIVETRAIN 6 yr./ 70000 mi.\nROADSIDE 4 yr./ 50000 mi. \nCompetitors: Infiniti Q50, Cadillac CTS','2015 Acura TLX Start up and Review 3.5 L V6','','publish','open','open','','2015-acura-tlx-start-up-and-review-3-5-l-v6','','','2014-08-13 07:18:37','2014-08-13 07:18:37','',0,'http://www.l2ocredit.com/2014/08/13/2015-acura-tlx-start-up-and-review-3-5-l-v6/',0,'post','',0),(9816,0,'2016-04-20 16:40:38','2016-04-20 20:40:38','','2015 Acura TLX Start up and Review 3.5 L V6','','inherit','open','closed','','2015-acura-tlx-start-up-and-review-3-5-l-v6-2','','','2016-04-20 16:40:38','2016-04-20 20:40:38','',9815,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-acura-tlx-start-up-and-review-3-5-l-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9817,0,'2016-04-20 16:40:38','2016-04-20 20:40:38','','2015 Acura TLX Start up and Review 3.5 L V6','','inherit','open','closed','','2015-acura-tlx-start-up-and-review-3-5-l-v6-2','','','2016-04-20 16:40:38','2016-04-20 20:40:38','',9815,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-acura-tlx-start-up-and-review-3-5-l-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9818,0,'2016-04-20 16:40:38','2016-04-20 20:40:38','','2015 Acura TLX Start up and Review 3.5 L V6','','inherit','open','closed','','2015-acura-tlx-start-up-and-review-3-5-l-v6-2','','','2016-04-20 16:40:38','2016-04-20 20:40:38','',9815,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-acura-tlx-start-up-and-review-3-5-l-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9819,1,'2014-09-08 11:00:03','2014-09-08 11:00:03','Sharing nothing in common with its predecessor, the 2nd-generation Chrysler 200 has been completely redesigned to give segment stalwarts a run for their money. Is the latest 200 a legitimate challenger to entrenched nameplates like Camry and Accord? KBB’s Zach Vlasuk finds out in this video.    \n\nFor the latest Chrysler 200 pricing and information:\nhttp://www.kbb.com/chrysler/200/2015-chrysler-200/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Zach Vlasuk on Twitter, please visit: http://www.twitter.com/zachvlasuk','2016 Chrysler 200 - Review and Road Test','','publish','open','open','','2016-chrysler-200-review-and-road-test','','','2014-09-08 11:00:03','2014-09-08 11:00:03','',0,'http://www.l2ocredit.com/2014/09/08/2016-chrysler-200-review-and-road-test/',0,'post','',0),(9820,0,'2016-04-20 16:56:21','2016-04-20 20:56:21','','2016 Chrysler 200 &#8211; Review and Road Test','','inherit','open','closed','','2016-chrysler-200-review-and-road-test-2','','','2016-04-20 16:56:21','2016-04-20 20:56:21','',9819,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chrysler-200-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9821,0,'2016-04-20 16:56:21','2016-04-20 20:56:21','','2016 Chrysler 200 &#8211; Review and Road Test','','inherit','open','closed','','2016-chrysler-200-review-and-road-test-2','','','2016-04-20 16:56:21','2016-04-20 20:56:21','',9819,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chrysler-200-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9822,0,'2016-04-20 16:56:21','2016-04-20 20:56:21','','2016 Chrysler 200 &#8211; Review and Road Test','','inherit','open','closed','','2016-chrysler-200-review-and-road-test-3','','','2016-04-20 16:56:21','2016-04-20 20:56:21','',9819,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chrysler-200-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9823,1,'2015-04-01 18:35:30','2015-04-01 18:35:30','There’s a tiny new Scion headed to dealerships this year. It’s called the iA and it’s the company’s first-ever sedan.\n\nhttp://www.autoguide.com/auto-news/2015/03/2016-scion-ia-zoom-zooms-into-reality.html\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Scion iA - 2015 New York Auto Show','','publish','open','open','','2016-scion-ia-2015-new-york-auto-show-2','','','2015-04-01 18:35:30','2015-04-01 18:35:30','',0,'http://www.l2ocredit.com/2015/04/01/2016-scion-ia-2015-new-york-auto-show-2/',0,'post','',0),(9824,0,'2016-04-20 17:20:04','2016-04-20 21:20:04','','2016 Scion iA &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-scion-ia-2015-new-york-auto-show-5','','','2016-04-20 17:20:04','2016-04-20 21:20:04','',9823,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-scion-ia-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9825,1,'2013-09-13 17:22:59','2013-09-13 17:22:59','Mean Gene puts the new 2014 Lexus IS 350 on the rack and demonstrates some specific cases of the Lexus interpretation of a sports sedan . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Lexus playlist:\nhttp://goo.gl/mOskXq\n\nCheck out Mean Gene\'s On the Rack Playlist:\nhttp://goo.gl/YvvsX8\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','2014 Lexus IS 350 On the Rack with Mean Gene','','publish','open','open','','2014-lexus-is-350-on-the-rack-with-mean-gene','','','2013-09-13 17:22:59','2013-09-13 17:22:59','',0,'http://www.l2ocredit.com/2013/09/13/2014-lexus-is-350-on-the-rack-with-mean-gene/',0,'post','',0),(9826,0,'2016-04-20 17:35:15','2016-04-20 21:35:15','','2014 Lexus IS 350 On the Rack with Mean Gene','','inherit','open','closed','','2014-lexus-is-350-on-the-rack-with-mean-gene-2','','','2016-04-20 17:35:15','2016-04-20 21:35:15','',9825,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-lexus-is-350-on-the-rack-with-mean-gene-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9827,0,'2016-04-20 17:35:16','2016-04-20 21:35:16','','2014 Lexus IS 350 On the Rack with Mean Gene','','inherit','open','closed','','2014-lexus-is-350-on-the-rack-with-mean-gene-3','','','2016-04-20 17:35:16','2016-04-20 21:35:16','',9825,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-lexus-is-350-on-the-rack-with-mean-gene-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9828,0,'2016-04-20 17:35:17','2016-04-20 21:35:17','','2014 Lexus IS 350 On the Rack with Mean Gene','','inherit','open','closed','','2014-lexus-is-350-on-the-rack-with-mean-gene-4','','','2016-04-20 17:35:17','2016-04-20 21:35:17','',9825,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-lexus-is-350-on-the-rack-with-mean-gene-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9829,1,'2014-07-03 16:17:38','2014-07-03 16:17:38','Want to know how well the Nissan Altima acommodates child seats? This week I take a look at the 2014/2015 Nissan Altima with child seats in mind. I talk rearward facing seats, forward facing seats, the dreaded three-across test and then I jam some cargo in the trunk.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 / 2015 Nissan Altima Child Seat Review','','publish','open','open','','2014-2015-nissan-altima-child-seat-review','','','2014-07-03 16:17:38','2014-07-03 16:17:38','',0,'http://www.l2ocredit.com/2014/07/03/2014-2015-nissan-altima-child-seat-review/',0,'post','',0),(9830,0,'2016-04-20 17:50:56','2016-04-20 21:50:56','','2014 / 2015 Nissan Altima Child Seat Review','','inherit','open','closed','','2014-2015-nissan-altima-child-seat-review-2','','','2016-04-20 17:50:56','2016-04-20 21:50:56','',9829,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9831,0,'2016-04-20 17:50:56','2016-04-20 21:50:56','','2014 / 2015 Nissan Altima Child Seat Review','','inherit','open','closed','','2014-2015-nissan-altima-child-seat-review-2','','','2016-04-20 17:50:56','2016-04-20 21:50:56','',9829,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9832,0,'2016-04-20 17:50:56','2016-04-20 21:50:56','','2014 / 2015 Nissan Altima Child Seat Review','','inherit','open','closed','','2014-2015-nissan-altima-child-seat-review-2','','','2016-04-20 17:50:56','2016-04-20 21:50:56','',9829,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9833,0,'2016-04-20 17:50:56','2016-04-20 21:50:56','','2014 / 2015 Nissan Altima Child Seat Review','','inherit','open','closed','','2014-2015-nissan-altima-child-seat-review-3','','','2016-04-20 17:50:56','2016-04-20 21:50:56','',9829,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-child-seat-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9834,0,'2016-04-20 17:50:56','2016-04-20 21:50:56','','2014 / 2015 Nissan Altima Child Seat Review','','inherit','open','closed','','2014-2015-nissan-altima-child-seat-review-4','','','2016-04-20 17:50:56','2016-04-20 21:50:56','',9829,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-child-seat-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9835,0,'2016-04-20 17:50:56','2016-04-20 21:50:56','','2014 / 2015 Nissan Altima Child Seat Review','','inherit','open','closed','','2014-2015-nissan-altima-child-seat-review-4','','','2016-04-20 17:50:56','2016-04-20 21:50:56','',9829,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-child-seat-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9836,0,'2016-04-20 17:50:56','2016-04-20 21:50:56','','2014 / 2015 Nissan Altima Child Seat Review','','inherit','open','closed','','2014-2015-nissan-altima-child-seat-review-5','','','2016-04-20 17:50:56','2016-04-20 21:50:56','',9829,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-child-seat-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9837,0,'2016-04-20 17:50:57','2016-04-20 21:50:57','','2014 / 2015 Nissan Altima Child Seat Review','','inherit','open','closed','','2014-2015-nissan-altima-child-seat-review-6','','','2016-04-20 17:50:57','2016-04-20 21:50:57','',9829,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-nissan-altima-child-seat-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9838,1,'2011-11-23 08:09:43','2011-11-23 08:09:43','2008 Mercedes C63 AMG review\r\nfrom www.motormouth.ca','2008 Mercedes C63 AMG review','','publish','open','open','','2008-mercedes-c63-amg-review','','','2011-11-23 08:09:43','2011-11-23 08:09:43','',0,'http://www.l2ocredit.com/2011/11/23/2008-mercedes-c63-amg-review/',0,'post','',0),(9839,0,'2016-04-20 18:47:28','2016-04-20 22:47:28','','2008 Mercedes C63 AMG review','','inherit','open','closed','','2008-mercedes-c63-amg-review-2','','','2016-04-20 18:47:28','2016-04-20 22:47:28','',9838,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2008-mercedes-c63-amg-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9840,0,'2016-04-20 18:47:29','2016-04-20 22:47:29','','2008 Mercedes C63 AMG review','','inherit','open','closed','','2008-mercedes-c63-amg-review-3','','','2016-04-20 18:47:29','2016-04-20 22:47:29','',9838,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2008-mercedes-c63-amg-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9841,0,'2016-04-20 18:47:29','2016-04-20 22:47:29','','2008 Mercedes C63 AMG review','','inherit','open','closed','','2008-mercedes-c63-amg-review-4','','','2016-04-20 18:47:29','2016-04-20 22:47:29','',9838,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2008-mercedes-c63-amg-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9842,0,'2016-04-20 18:47:29','2016-04-20 22:47:29','','2008 Mercedes C63 AMG review','','inherit','open','closed','','2008-mercedes-c63-amg-review-4','','','2016-04-20 18:47:29','2016-04-20 22:47:29','',9838,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2008-mercedes-c63-amg-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9843,0,'2016-04-20 18:47:30','2016-04-20 22:47:30','','2008 Mercedes C63 AMG review','','inherit','open','closed','','2008-mercedes-c63-amg-review-5','','','2016-04-20 18:47:30','2016-04-20 22:47:30','',9838,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2008-mercedes-c63-amg-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9844,1,'2014-08-11 02:11:08','2014-08-11 02:11:08','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4/5 \nPowertrain Options: 3.5 L V6, 3.5 L Twin Turbo V6, 2.0 L 4-Cylinder Turbo with a 6-Speed Automatic FWD or AWD \nPhotos: https://www.facebook.com/media/set/?set=a.908567765822266.1073741890.349462695066112&amp;type=3&amp;uploaded=36\nEngine &amp; Performance\nBASE ENGINE SIZE 3.5 L \nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS V6 \nVALVES 24\nVALVE TIMING Variable \nTORQUE 350 ft-lbs. @ 3500 rpm\nHORSEPOWER 365 hp @ 5500 rpm \nTURNING CIRCLE 38.9 ft.\nWeights and Capacities\nMAXIMUM TOWING CAPACITY** 5000 lbs. \nEPA INTERIOR VOLUME 172.7 cu.ft.\nCURB WEIGHT 4859 lbs. \nANGLE OF APPROACH 20.3 degrees\nANGLE OF DEPARTURE 21.3 degrees \nCARGO CAPACITY, ALL SEATS IN PLACE 21.0 cu.ft.\nMAXIMUM CARGO CAPACITY 80.7 cu.ft. \nFuel\nENGINE TYPE Gas  \nFUEL TYPE Regular unleaded\nFUEL TANK CAPACITY 18.6 gal. \nRANGE IN MILES (CTY/HWY) 297.6/409.2 mi.\nEPA MILEAGE EST. (CTY/HWY) 16/22 mpg \nCompetitors: Dodge Durango, Chevrolet Traverse, GMC Acadia','2015 Ford Explorer Start Up and Review 3.5 L Twin Turbo V6','','publish','open','open','','2015-ford-explorer-start-up-and-review-3-5-l-twin-turbo-v6','','','2014-08-11 02:11:08','2014-08-11 02:11:08','',0,'http://www.l2ocredit.com/2014/08/11/2015-ford-explorer-start-up-and-review-3-5-l-twin-turbo-v6/',0,'post','',0),(9845,0,'2016-04-20 19:02:36','2016-04-20 23:02:36','','2015 Ford Explorer Start Up and Review 3.5 L Twin Turbo V6','','inherit','open','closed','','2015-ford-explorer-start-up-and-review-3-5-l-twin-turbo-v6-2','','','2016-04-20 19:02:36','2016-04-20 23:02:36','',9844,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-ford-explorer-start-up-and-review-3-5-l-twin-turbo-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9846,0,'2016-04-20 19:02:36','2016-04-20 23:02:36','','2015 Ford Explorer Start Up and Review 3.5 L Twin Turbo V6','','inherit','open','closed','','2015-ford-explorer-start-up-and-review-3-5-l-twin-turbo-v6-3','','','2016-04-20 19:02:36','2016-04-20 23:02:36','',9844,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-ford-explorer-start-up-and-review-3-5-l-twin-turbo-v6-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9847,0,'2016-04-20 19:02:37','2016-04-20 23:02:37','','2015 Ford Explorer Start Up and Review 3.5 L Twin Turbo V6','','inherit','open','closed','','2015-ford-explorer-start-up-and-review-3-5-l-twin-turbo-v6-4','','','2016-04-20 19:02:37','2016-04-20 23:02:37','',9844,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-ford-explorer-start-up-and-review-3-5-l-twin-turbo-v6-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9848,1,'2014-09-15 11:00:03','2014-09-15 11:00:03','Whereas the Civic\'s sales dominance was once unquestioned, it now faces formidable competition. To confront the challenge head-on, Honda introduced a spate of updates to the 9th generation Civic following its debut in 2012. Have these improvements paid off? KBB’s Micah Muzio investigates in this video. \n\nFor the latest Civic pricing and information:\nhttp://www.kbb.com/honda/civic/2014-honda-civic/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2015 Honda Civic - Review and Road Test','','publish','open','open','','2015-honda-civic-review-and-road-test','','','2014-09-15 11:00:03','2014-09-15 11:00:03','',0,'http://www.l2ocredit.com/2014/09/15/2015-honda-civic-review-and-road-test/',0,'post','',0),(9849,0,'2016-04-20 19:17:47','2016-04-20 23:17:47','','2015 Honda Civic &#8211; Review and Road Test','','inherit','open','closed','','2015-honda-civic-review-and-road-test-2','','','2016-04-20 19:17:47','2016-04-20 23:17:47','',9848,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-honda-civic-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9850,0,'2016-04-20 19:17:47','2016-04-20 23:17:47','','2015 Honda Civic &#8211; Review and Road Test','','inherit','open','closed','','2015-honda-civic-review-and-road-test-3','','','2016-04-20 19:17:47','2016-04-20 23:17:47','',9848,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-honda-civic-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9851,0,'2016-04-20 19:17:47','2016-04-20 23:17:47','','2015 Honda Civic &#8211; Review and Road Test','','inherit','open','closed','','2015-honda-civic-review-and-road-test-4','','','2016-04-20 19:17:47','2016-04-20 23:17:47','',9848,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-honda-civic-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9852,1,'2015-04-01 18:29:17','2015-04-01 18:29:17','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Chevrolet Malibu - 2015 New York Auto Show','','publish','open','open','','2016-chevrolet-malibu-2015-new-york-auto-show','','','2015-04-01 18:29:17','2015-04-01 18:29:17','',0,'http://www.l2ocredit.com/2015/04/01/2016-chevrolet-malibu-2015-new-york-auto-show/',0,'post','',0),(9853,0,'2016-04-20 19:35:23','2016-04-20 23:35:23','','2016 Chevrolet Malibu &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-malibu-2015-new-york-auto-show-2','','','2016-04-20 19:35:23','2016-04-20 23:35:23','',9852,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-malibu-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9854,0,'2016-04-20 19:35:24','2016-04-20 23:35:24','','2016 Chevrolet Malibu &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-malibu-2015-new-york-auto-show-3','','','2016-04-20 19:35:24','2016-04-20 23:35:24','',9852,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-malibu-2015-new-york-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9855,0,'2016-04-20 19:35:24','2016-04-20 23:35:24','','2016 Chevrolet Malibu &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-malibu-2015-new-york-auto-show-4','','','2016-04-20 19:35:24','2016-04-20 23:35:24','',9852,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-malibu-2015-new-york-auto-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9856,0,'2016-04-20 19:35:24','2016-04-20 23:35:24','','2016 Chevrolet Malibu &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-malibu-2015-new-york-auto-show-5','','','2016-04-20 19:35:24','2016-04-20 23:35:24','',9852,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-malibu-2015-new-york-auto-show-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9857,0,'2016-04-20 19:35:25','2016-04-20 23:35:25','','2016 Chevrolet Malibu &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-malibu-2015-new-york-auto-show-6','','','2016-04-20 19:35:25','2016-04-20 23:35:25','',9852,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-malibu-2015-new-york-auto-show-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9858,1,'2013-09-03 18:00:41','2013-09-03 18:00:41','Driving the Mercedes S Class &amp; Mercedes S550 Plug In Hybrid Preview. MotoMan experiences the new Mercedes S Class in three ways: From the front seat driving the twin turbo V8, from the rear seat while learning about the interior details the people who developed the 2014 S Class and from the driver\'s seat while the car autonomously drives itself . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','Driving the Mercedes S Class &amp; Mercedes S550 Plug In Hybrid Preview','','publish','open','open','','driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview','','','2013-09-03 18:00:41','2013-09-03 18:00:41','',0,'http://www.l2ocredit.com/2013/09/03/driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview/',0,'post','',0),(9859,0,'2016-04-20 19:59:23','2016-04-20 23:59:23','','Driving the Mercedes S Class &amp; Mercedes S550 Plug In Hybrid Preview','','inherit','open','closed','','driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-2','','','2016-04-20 19:59:23','2016-04-20 23:59:23','',9858,'http://www.l2ocredit.com/wp-content/uploads/2016/04/driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9860,0,'2016-04-20 19:59:23','2016-04-20 23:59:23','','Driving the Mercedes S Class &amp; Mercedes S550 Plug In Hybrid Preview','','inherit','open','closed','','driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-3','','','2016-04-20 19:59:23','2016-04-20 23:59:23','',9858,'http://www.l2ocredit.com/wp-content/uploads/2016/04/driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9861,0,'2016-04-20 19:59:24','2016-04-20 23:59:24','','Driving the Mercedes S Class &amp; Mercedes S550 Plug In Hybrid Preview','','inherit','open','closed','','driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-4','','','2016-04-20 19:59:24','2016-04-20 23:59:24','',9858,'http://www.l2ocredit.com/wp-content/uploads/2016/04/driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9862,0,'2016-04-20 19:59:24','2016-04-20 23:59:24','','Driving the Mercedes S Class &amp; Mercedes S550 Plug In Hybrid Preview','','inherit','open','closed','','driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-5','','','2016-04-20 19:59:24','2016-04-20 23:59:24','',9858,'http://www.l2ocredit.com/wp-content/uploads/2016/04/driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9863,0,'2016-04-20 19:59:24','2016-04-20 23:59:24','','Driving the Mercedes S Class &amp; Mercedes S550 Plug In Hybrid Preview','','inherit','open','closed','','driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-5','','','2016-04-20 19:59:24','2016-04-20 23:59:24','',9858,'http://www.l2ocredit.com/wp-content/uploads/2016/04/driving-the-mercedes-s-class-mercedes-s550-plug-in-hybrid-preview-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9864,1,'2014-06-30 18:11:32','2014-06-30 18:11:32','Have you been wondering how the Acura SH-AWD system differs from other \"Haldex style\" AWD systems? In this video I explain how Super Handling All Wheel Drive differs from Audi\'s Quattro, BMW\'s x-Drive and the other transverse AWD systems on the market.\n\nAside from the fact that Honda/Acura doesn\'t have a RWD drivetrain to borrow, the benefit main benefit to a transverse engine layout is improved interior packaging. \n\n\"Super Handling All Wheel Drive\" may not have been the best name for the system, but it is arguably the best AWD system you can tack onto a transverse FWD platform. The systems used by Infiniti, Lexus, Volvo, Lincoln and just about everyone out there that had an AWD system tacked onto a transaxle has no center differential. Instead the power flows from the final gearset of the transmission to the front diff and the rear diff via gears at a fixed 1:1 ratio. Between this gear arrangement and the rear diff is a clutch pack that allows the car to connect, disconnect or have a varied connection between the transmission and rear axles. When fully connected the power is split 50/50 assuming all wheels have traction.\n\nSH-AWD also uses the same arrangement but adds a unique differential unit in the rear that does two things. First, it has a gearset to \"speed up\" the rear wheels so that when they are connected, they spin 1.7% faster than the fronts. (The old RL used a variable ratio system but it is no longer used.) Next it has a torque vectoring unit that is capable of slitting power 100:0/0:100 left to right. In a straight line, \"overdriving\" the rear wheels gives the MDX a more RWD feel than otherwise possible and in corners the system is capable of sending up to 70% of the power to the outside rear wheel helping the MDX\'s cornering manners and masking the \"plowing\" tendencies normal in a front heavy car. For 2014 Acura took this a step further and uses a system to brake wheels selectively to improve neutral handling. This is beyond stability control because the system is always active rather than active only when things are going pear-shaped.\nStatistics powered by ChannelMeter http://channelmeter.com','How SH-AWD works: Acura\'s AWD system explained','','publish','open','open','','how-sh-awd-works-acuras-awd-system-explained','','','2014-06-30 18:11:32','2014-06-30 18:11:32','',0,'http://www.l2ocredit.com/2014/06/30/how-sh-awd-works-acuras-awd-system-explained/',0,'post','',0),(9865,0,'2016-04-20 20:18:00','2016-04-21 00:18:00','','How SH-AWD works: Acura&#8217;s AWD system explained','','inherit','open','closed','','how-sh-awd-works-acuras-awd-system-explained-2','','','2016-04-20 20:18:00','2016-04-21 00:18:00','',9864,'http://www.l2ocredit.com/wp-content/uploads/2016/04/how-sh-awd-works-acuras-awd-system-explained-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9866,0,'2016-04-20 20:18:00','2016-04-21 00:18:00','','How SH-AWD works: Acura&#8217;s AWD system explained','','inherit','open','closed','','how-sh-awd-works-acuras-awd-system-explained-2','','','2016-04-20 20:18:00','2016-04-21 00:18:00','',9864,'http://www.l2ocredit.com/wp-content/uploads/2016/04/how-sh-awd-works-acuras-awd-system-explained-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9867,0,'2016-04-20 20:18:01','2016-04-21 00:18:01','','How SH-AWD works: Acura&#8217;s AWD system explained','','inherit','open','closed','','how-sh-awd-works-acuras-awd-system-explained-3','','','2016-04-20 20:18:01','2016-04-21 00:18:01','',9864,'http://www.l2ocredit.com/wp-content/uploads/2016/04/how-sh-awd-works-acuras-awd-system-explained-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9868,0,'2016-04-20 20:18:01','2016-04-21 00:18:01','','How SH-AWD works: Acura&#8217;s AWD system explained','','inherit','open','closed','','how-sh-awd-works-acuras-awd-system-explained-4','','','2016-04-20 20:18:01','2016-04-21 00:18:01','',9864,'http://www.l2ocredit.com/wp-content/uploads/2016/04/how-sh-awd-works-acuras-awd-system-explained-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9869,1,'2011-11-23 07:46:21','2011-11-23 07:46:21','2009 Toyota Matrix review from www.motormouth.ca','2009 Toyota Matrix review','','publish','open','open','','2009-toyota-matrix-review','','','2011-11-23 07:46:21','2011-11-23 07:46:21','',0,'http://www.l2ocredit.com/2011/11/23/2009-toyota-matrix-review/',0,'post','',0),(9870,0,'2016-04-20 21:16:42','2016-04-21 01:16:42','','2009 Toyota Matrix review','','inherit','open','closed','','2009-toyota-matrix-review-2','','','2016-04-20 21:16:42','2016-04-21 01:16:42','',9869,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-toyota-matrix-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9871,0,'2016-04-20 21:16:42','2016-04-21 01:16:42','','2009 Toyota Matrix review','','inherit','open','closed','','2009-toyota-matrix-review-3','','','2016-04-20 21:16:42','2016-04-21 01:16:42','',9869,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-toyota-matrix-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9872,0,'2016-04-20 21:16:43','2016-04-21 01:16:43','','2009 Toyota Matrix review','','inherit','open','closed','','2009-toyota-matrix-review-4','','','2016-04-20 21:16:43','2016-04-21 01:16:43','',9869,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-toyota-matrix-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9873,1,'2014-08-05 21:29:08','2014-08-05 21:29:08','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4.5/5','2014 Hyundai Sante Fe Start Up and Review 2.0 L 4-Cylinder Turbo','','publish','open','open','','2014-hyundai-sante-fe-start-up-and-review-2-0-l-4-cylinder-turbo','','','2014-08-05 21:29:08','2014-08-05 21:29:08','',0,'http://www.l2ocredit.com/2014/08/05/2014-hyundai-sante-fe-start-up-and-review-2-0-l-4-cylinder-turbo/',0,'post','',0),(9874,0,'2016-04-20 21:32:36','2016-04-21 01:32:36','','2014 Hyundai Sante Fe Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2014-hyundai-sante-fe-start-up-and-review-2-0-l-4-cylinder-turbo-2','','','2016-04-20 21:32:36','2016-04-21 01:32:36','',9873,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-hyundai-sante-fe-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9875,0,'2016-04-20 21:32:36','2016-04-21 01:32:36','','2014 Hyundai Sante Fe Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2014-hyundai-sante-fe-start-up-and-review-2-0-l-4-cylinder-turbo-3','','','2016-04-20 21:32:36','2016-04-21 01:32:36','',9873,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-hyundai-sante-fe-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9876,0,'2016-04-20 21:32:36','2016-04-21 01:32:36','','2014 Hyundai Sante Fe Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2014-hyundai-sante-fe-start-up-and-review-2-0-l-4-cylinder-turbo-4','','','2016-04-20 21:32:36','2016-04-21 01:32:36','',9873,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-hyundai-sante-fe-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9877,1,'2014-09-01 11:00:02','2014-09-01 11:00:02','Traveling from San Francisco to Boston, thousands of Mini owners converge on a biennial basis to experience America’s legendary roads and classic sights. We joined the event at the midway point to see what it’s all about.  \n\nFor the latest Mini pricing and information:\nhttp://www.kbb.com/mini/\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, comparison tests, and technology reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','KBB Attends Mini Takes the States','','publish','open','open','','kbb-attends-mini-takes-the-states','','','2014-09-01 11:00:02','2014-09-01 11:00:02','',0,'http://www.l2ocredit.com/2014/09/01/kbb-attends-mini-takes-the-states/',0,'post','',0),(9878,0,'2016-04-20 22:02:11','2016-04-21 02:02:11','','KBB Attends Mini Takes the States','','inherit','open','closed','','kbb-attends-mini-takes-the-states-2','','','2016-04-20 22:02:11','2016-04-21 02:02:11','',9877,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kbb-attends-mini-takes-the-states-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9879,0,'2016-04-20 22:02:11','2016-04-21 02:02:11','','KBB Attends Mini Takes the States','','inherit','open','closed','','kbb-attends-mini-takes-the-states-3','','','2016-04-20 22:02:11','2016-04-21 02:02:11','',9877,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kbb-attends-mini-takes-the-states-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9880,0,'2016-04-20 22:02:11','2016-04-21 02:02:11','','KBB Attends Mini Takes the States','','inherit','open','closed','','kbb-attends-mini-takes-the-states-4','','','2016-04-20 22:02:11','2016-04-21 02:02:11','',9877,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kbb-attends-mini-takes-the-states-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9881,0,'2016-04-20 22:02:11','2016-04-21 02:02:11','','KBB Attends Mini Takes the States','','inherit','open','closed','','kbb-attends-mini-takes-the-states-4','','','2016-04-20 22:02:11','2016-04-21 02:02:11','',9877,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kbb-attends-mini-takes-the-states-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9882,1,'2015-04-01 18:19:12','2015-04-01 18:19:12','Called the iM, it’s a new five-door hatchback based on the Toyota Auris, packaged with a 1.8-liter four-cylinder engine connected to either a six-speed manual transmission or a CVT. \n\nhttp://www.autoguide.com/auto-news/2015/03/2016-scion-im-seeks-to-lure-young-drivers.html\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Scion iM - 2015 New York Auto Show','','publish','open','open','','2016-scion-im-2015-new-york-auto-show-2','','','2015-04-01 18:19:12','2015-04-01 18:19:12','',0,'http://www.l2ocredit.com/2015/04/01/2016-scion-im-2015-new-york-auto-show-2/',0,'post','',0),(9883,0,'2016-04-20 22:22:56','2016-04-21 02:22:56','','2016 Scion iM &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-scion-im-2015-new-york-auto-show-4','','','2016-04-20 22:22:56','2016-04-21 02:22:56','',9882,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-scion-im-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9884,0,'2016-04-20 22:22:56','2016-04-21 02:22:56','','2016 Scion iM &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-scion-im-2015-new-york-auto-show-5','','','2016-04-20 22:22:56','2016-04-21 02:22:56','',9882,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-scion-im-2015-new-york-auto-show-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9885,0,'2016-04-20 22:22:57','2016-04-21 02:22:57','','2016 Scion iM &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-scion-im-2015-new-york-auto-show-6','','','2016-04-20 22:22:57','2016-04-21 02:22:57','',9882,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-scion-im-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9886,1,'2013-08-29 18:00:42','2013-08-29 18:00:42','Cadillac XTS On the Rack with Mean Gene &amp; 2014 Cadillac XTS V Sport Preview. MotoMan hands Mean Gene the keys to the Cadillac XTS and gives him a unique mission prior putting the full size Cadillac On the Rack. Once it\'s there, Mean Gene gives a preview of the 2014 Cadillac XTS V Sport with the 410 HP Twin Turbo V6.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','Cadillac XTS On the Rack with Mean Gene &amp; 2014 Cadillac XTS V Sport Preview','','publish','open','open','','cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview','','','2013-08-29 18:00:42','2013-08-29 18:00:42','',0,'http://www.l2ocredit.com/2013/08/29/cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview/',0,'post','',0),(9887,0,'2016-04-20 22:47:58','2016-04-21 02:47:58','','Cadillac XTS On the Rack with Mean Gene &amp; 2014 Cadillac XTS V Sport Preview','','inherit','open','closed','','cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-2','','','2016-04-20 22:47:58','2016-04-21 02:47:58','',9886,'http://www.l2ocredit.com/wp-content/uploads/2016/04/cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9888,0,'2016-04-20 22:47:59','2016-04-21 02:47:59','','Cadillac XTS On the Rack with Mean Gene &amp; 2014 Cadillac XTS V Sport Preview','','inherit','open','closed','','cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-3','','','2016-04-20 22:47:59','2016-04-21 02:47:59','',9886,'http://www.l2ocredit.com/wp-content/uploads/2016/04/cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9889,0,'2016-04-20 22:47:59','2016-04-21 02:47:59','','Cadillac XTS On the Rack with Mean Gene &amp; 2014 Cadillac XTS V Sport Preview','','inherit','open','closed','','cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-4','','','2016-04-20 22:47:59','2016-04-21 02:47:59','',9886,'http://www.l2ocredit.com/wp-content/uploads/2016/04/cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9890,0,'2016-04-20 22:48:00','2016-04-21 02:48:00','','Cadillac XTS On the Rack with Mean Gene &amp; 2014 Cadillac XTS V Sport Preview','','inherit','open','closed','','cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-5','','','2016-04-20 22:48:00','2016-04-21 02:48:00','',9886,'http://www.l2ocredit.com/wp-content/uploads/2016/04/cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9891,0,'2016-04-20 22:48:01','2016-04-21 02:48:01','','Cadillac XTS On the Rack with Mean Gene &amp; 2014 Cadillac XTS V Sport Preview','','inherit','open','closed','','cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-6','','','2016-04-20 22:48:01','2016-04-21 02:48:01','',9886,'http://www.l2ocredit.com/wp-content/uploads/2016/04/cadillac-xts-on-the-rack-with-mean-gene-2014-cadillac-xts-v-sport-preview-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9892,1,'2014-06-28 19:51:27','2014-06-28 19:51:27','So you you need to carry seven people in comfort with decent economy but you don\'t want a minivan? Enter Infiniti\'s three-row luxury hybrid crossover, the QX60 Hybrid. Thanks to stronger fuel economy regulations there are plenty of three-row CUVs to choose from, but if you want something with a better brand name under 60-large that sips gasoline like a mid-sized sedan, you\'re left with few options. Infiniti has had incredible success with the non-hybrid version of the QX60 coming in third in the segment despite being one of the newest entries. \n\n\nInfiniti\'s bulbous styling may not be everyone\'s cup of tea, but it is a distinctive island in a sea of me-too crossovers. This new take on Infiniti\'s \"box fish\" style isn\'t as striking (or polarizing) as when the M debuted in 2010. On the bright side,  now that the design has aged, general opinion in my informal lunch group was overwhelmingly positive. Something I couldn\'t say about the 2010 M. Despite heavy parts sharing with the new Pathfinder, the QX is better distinguished than the former generation QX/Armada was and indeed better differentiated than the Chevy Traverse and Buick Enclave. \n\nThe cabin is covered in soft-touch plastics, leather and acres of highly polished wood trim, just as you expect from Infiniti. In this segment, if you want an interior that doesn\'t share parts with a mass-market brand, you\'re again limited to the XC90 as every other design team had access to a corporate parts bin. Keeping this in mind, Nissan/Infiniti\'s parts bin is a nicer place to spend time than GM\'s button-bank. The new Enclave has a very competitive interior, but some of the parts choices fail to blend while the Infinti is a sea of harmony. Indeed one might say the Pathfinder borrows Infiniti parts and not the other way around. This top-down parts sharing is good for Pathfinder shoppers, but only time will tell if there is enough differentiation to make Infiniti shoppers happy. The XC90′s interior is still competitive thanks to continual tweaks over the past ten years, but that can\'t forgive the lack of even a modest refresh from the Swedes.\n\nThe QX60 represents an interesting move for the brand I like to think of as \"the Japanese BMW.\" By putting practicality and economy before performance they have created a most un-Infiniti crossover. The combination of a nearly perfect interior, smooth CVT, 32% better fuel economy than Infiniti\'s QX80 and the available hybrid that takes things to the next level and will actually save the average owner money, make a compelling argument. Toyota Highlander Hybrid, MDX and Audi Q7 shoppers looking for a compliant and efficient ride would do well to put the Infiniti on their short list as it is quite possibly the best three-row luxury crossover in America.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 / 2015 Infiniti QX60 Hybrid Detailed Review and Road Test','','publish','open','open','','2014-2015-infiniti-qx60-hybrid-detailed-review-and-road-test','','','2014-06-28 19:51:27','2014-06-28 19:51:27','',0,'http://www.l2ocredit.com/2014/06/28/2014-2015-infiniti-qx60-hybrid-detailed-review-and-road-test/',0,'post','',0),(9893,0,'2016-04-20 23:23:36','2016-04-21 03:23:36','','2014 / 2015 Infiniti QX60 Hybrid Detailed Review and Road Test','','inherit','open','closed','','2014-2015-infiniti-qx60-hybrid-detailed-review-and-road-test-2','','','2016-04-20 23:23:36','2016-04-21 03:23:36','',9892,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-infiniti-qx60-hybrid-detailed-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9894,0,'2016-04-20 23:23:36','2016-04-21 03:23:36','','2014 / 2015 Infiniti QX60 Hybrid Detailed Review and Road Test','','inherit','open','closed','','2014-2015-infiniti-qx60-hybrid-detailed-review-and-road-test-2','','','2016-04-20 23:23:36','2016-04-21 03:23:36','',9892,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-infiniti-qx60-hybrid-detailed-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9895,1,'2011-11-23 07:40:11','2011-11-23 07:40:11','2009 Jaguar XF review from www.motormouth.ca','2009 Jaguar XF review','','publish','open','open','','2009-jaguar-xf-review','','','2011-11-23 07:40:11','2011-11-23 07:40:11','',0,'http://www.l2ocredit.com/2011/11/23/2009-jaguar-xf-review/',0,'post','',0),(9896,0,'2016-04-21 00:20:59','2016-04-21 04:20:59','','2009 Jaguar XF review','','inherit','open','closed','','2009-jaguar-xf-review-2','','','2016-04-21 00:20:59','2016-04-21 04:20:59','',9895,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-jaguar-xf-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9897,0,'2016-04-21 00:21:00','2016-04-21 04:21:00','','2009 Jaguar XF review','','inherit','open','closed','','2009-jaguar-xf-review-3','','','2016-04-21 00:21:00','2016-04-21 04:21:00','',9895,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-jaguar-xf-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9898,0,'2016-04-21 00:21:00','2016-04-21 04:21:00','','2009 Jaguar XF review','','inherit','open','closed','','2009-jaguar-xf-review-4','','','2016-04-21 00:21:00','2016-04-21 04:21:00','',9895,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-jaguar-xf-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9899,1,'2014-08-05 10:24:07','2014-08-05 10:24:07','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 5/5 \nEngine &amp; Performance\nBASE ENGINE SIZE 4.7 L \nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS V8 \nVALVES 32\nVALVE TIMING Variable \nTORQUE 516 ft-lbs. @ 1800 rpm\nHORSEPOWER 449 hp @ 5250 rpm \nTURNING CIRCLE 40.0 ft. \nWeights and Capacities\nMAXIMUM PAYLOAD** 1576 lbs. \nCURB WEIGHT 4729 lbs.\nCARGO CAPACITY, ALL SEATS IN PLACE 16.3 cu.ft. \nFuel\nENGINE TYPE Gas  \nFUEL TYPE Premium unleaded (required)\nFUEL TANK CAPACITY 21.1 gal. \nRANGE IN MILES (CTY/HWY) 358.7/527.5 mi.\nEPA MILEAGE EST. (CTY/HWY) 17/25 mpg \nCompetitors: BMW 7 Series, Audi A8, Lexus LS, Kia K900','2015 Mercedes-Benz S Class (S550) Start Up and Review 4.7 L Twin Turbo V8','','publish','open','open','','2015-mercedes-benz-s-class-s550-start-up-and-review-4-7-l-twin-turbo-v8','','','2014-08-05 10:24:07','2014-08-05 10:24:07','',0,'http://www.l2ocredit.com/2014/08/05/2015-mercedes-benz-s-class-s550-start-up-and-review-4-7-l-twin-turbo-v8/',0,'post','',0),(9900,0,'2016-04-21 00:41:07','2016-04-21 04:41:07','','2015 Mercedes-Benz S Class (S550) Start Up and Review 4.7 L Twin Turbo V8','','inherit','open','closed','','2015-mercedes-benz-s-class-s550-start-up-and-review-4-7-l-twin-turbo-v8-2','','','2016-04-21 00:41:07','2016-04-21 04:41:07','',9899,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-mercedes-benz-s-class-s550-start-up-and-review-4-7-l-twin-turbo-v8-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9901,0,'2016-04-21 00:41:07','2016-04-21 04:41:07','','2015 Mercedes-Benz S Class (S550) Start Up and Review 4.7 L Twin Turbo V8','','inherit','open','closed','','2015-mercedes-benz-s-class-s550-start-up-and-review-4-7-l-twin-turbo-v8-3','','','2016-04-21 00:41:07','2016-04-21 04:41:07','',9899,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-mercedes-benz-s-class-s550-start-up-and-review-4-7-l-twin-turbo-v8-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9902,1,'2015-04-01 18:14:39','2015-04-01 18:14:39','Porsche’s lightweight, enthusiast-focused Boxster Spyder is back in the 981 generation with a host of significant improvements.\n\nhttp://www.autoguide.com/auto-news/2015/04/porsche-boxster-spyder-returns-for-2016.html\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Porsche Boxster Spyder - 2015 New York Auto Show','','publish','open','open','','2016-porsche-boxster-spyder-2015-new-york-auto-show-2','','','2015-04-01 18:14:39','2015-04-01 18:14:39','',0,'http://www.l2ocredit.com/2015/04/01/2016-porsche-boxster-spyder-2015-new-york-auto-show-2/',0,'post','',0),(9903,0,'2016-04-21 01:16:45','2016-04-21 05:16:45','','2016 Porsche Boxster Spyder &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-porsche-boxster-spyder-2015-new-york-auto-show-3','','','2016-04-21 01:16:45','2016-04-21 05:16:45','',9902,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-porsche-boxster-spyder-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9904,0,'2016-04-21 01:16:45','2016-04-21 05:16:45','','2016 Porsche Boxster Spyder &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-porsche-boxster-spyder-2015-new-york-auto-show-4','','','2016-04-21 01:16:45','2016-04-21 05:16:45','',9902,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-porsche-boxster-spyder-2015-new-york-auto-show-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9905,0,'2016-04-21 01:16:46','2016-04-21 05:16:46','','2016 Porsche Boxster Spyder &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-porsche-boxster-spyder-2015-new-york-auto-show-5','','','2016-04-21 01:16:46','2016-04-21 05:16:46','',9902,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-porsche-boxster-spyder-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9906,0,'2016-04-21 01:16:46','2016-04-21 05:16:46','','2016 Porsche Boxster Spyder &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-porsche-boxster-spyder-2015-new-york-auto-show-6','','','2016-04-21 01:16:46','2016-04-21 05:16:46','',9902,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-porsche-boxster-spyder-2015-new-york-auto-show-2-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9907,1,'2013-08-22 13:32:20','2013-08-22 13:32:20','2014 Mercedes Benz E250 BlueTec 4MATIC Preview.. MotoMan heads to Oregon to drive the new 4 cylinder Turbo Diesel equipped Mercedes Benz E250 BlueTec. In this short preview of the upcoming 2014 Mercedes E Class episode, he shares a glimpse of the reason for being of this all new engine in the German luxury car staple.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','2014 Mercedes Benz E250 BlueTec 4MATIC Preview','','publish','open','open','','2014-mercedes-benz-e250-bluetec-4matic-preview','','','2013-08-22 13:32:20','2013-08-22 13:32:20','',0,'http://www.l2ocredit.com/2013/08/22/2014-mercedes-benz-e250-bluetec-4matic-preview/',0,'post','',0),(9908,0,'2016-04-21 01:33:01','2016-04-21 05:33:01','','2014 Mercedes Benz E250 BlueTec 4MATIC Preview','','inherit','open','closed','','2014-mercedes-benz-e250-bluetec-4matic-preview-2','','','2016-04-21 01:33:01','2016-04-21 05:33:01','',9907,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-mercedes-benz-e250-bluetec-4matic-preview-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9909,0,'2016-04-21 01:33:01','2016-04-21 05:33:01','','2014 Mercedes Benz E250 BlueTec 4MATIC Preview','','inherit','open','closed','','2014-mercedes-benz-e250-bluetec-4matic-preview-3','','','2016-04-21 01:33:01','2016-04-21 05:33:01','',9907,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-mercedes-benz-e250-bluetec-4matic-preview-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9910,0,'2016-04-21 01:33:02','2016-04-21 05:33:02','','2014 Mercedes Benz E250 BlueTec 4MATIC Preview','','inherit','open','closed','','2014-mercedes-benz-e250-bluetec-4matic-preview-4','','','2016-04-21 01:33:02','2016-04-21 05:33:02','',9907,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-mercedes-benz-e250-bluetec-4matic-preview-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9911,1,'2014-06-28 03:15:17','2014-06-28 03:15:17','In this week\'s child seat review I look at the Nissan Pathfinder and Infiniti QX60. This large three row crossover not only has a very accommodating third row but the second row\'s 40% side has a nifty feature allowing you to keep a forward facing child seat installed (LATCH anchors only) and still gain easy entry into the third row. While you can easily fit three child seats in the back, narrower seats may be required if you plan on folding or sliding the second row often.\nStatistics powered by ChannelMeter http://channelmeter.com','2014/2015 Infiniti QX60 and Nissan Pathfinder Child Seat Review','','publish','open','open','','20142015-infiniti-qx60-and-nissan-pathfinder-child-seat-review','','','2014-06-28 03:15:17','2014-06-28 03:15:17','',0,'http://www.l2ocredit.com/2014/06/28/20142015-infiniti-qx60-and-nissan-pathfinder-child-seat-review/',0,'post','',0),(9912,0,'2016-04-21 01:54:19','2016-04-21 05:54:19','','2014/2015 Infiniti QX60 and Nissan Pathfinder Child Seat Review','','inherit','open','closed','','20142015-infiniti-qx60-and-nissan-pathfinder-child-seat-review-2','','','2016-04-21 01:54:19','2016-04-21 05:54:19','',9911,'http://www.l2ocredit.com/wp-content/uploads/2016/04/20142015-infiniti-qx60-and-nissan-pathfinder-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9913,0,'2016-04-21 01:54:19','2016-04-21 05:54:19','','2014/2015 Infiniti QX60 and Nissan Pathfinder Child Seat Review','','inherit','open','closed','','20142015-infiniti-qx60-and-nissan-pathfinder-child-seat-review-3','','','2016-04-21 01:54:19','2016-04-21 05:54:19','',9911,'http://www.l2ocredit.com/wp-content/uploads/2016/04/20142015-infiniti-qx60-and-nissan-pathfinder-child-seat-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9914,0,'2016-04-21 01:54:19','2016-04-21 05:54:19','','2014/2015 Infiniti QX60 and Nissan Pathfinder Child Seat Review','','inherit','open','closed','','20142015-infiniti-qx60-and-nissan-pathfinder-child-seat-review-4','','','2016-04-21 01:54:19','2016-04-21 05:54:19','',9911,'http://www.l2ocredit.com/wp-content/uploads/2016/04/20142015-infiniti-qx60-and-nissan-pathfinder-child-seat-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9915,1,'2011-11-23 07:23:39','2011-11-23 07:23:39','2008 Mitsubishi Gallant Ralliart review from www.motormouth.ca','2008 Mitsubishi Gallant Ralliart review','','publish','open','open','','2008-mitsubishi-gallant-ralliart-review','','','2011-11-23 07:23:39','2011-11-23 07:23:39','',0,'http://www.l2ocredit.com/2011/11/23/2008-mitsubishi-gallant-ralliart-review/',0,'post','',0),(9916,0,'2016-04-21 02:47:11','2016-04-21 06:47:11','','2008 Mitsubishi Gallant Ralliart review','','inherit','open','closed','','2008-mitsubishi-gallant-ralliart-review-2','','','2016-04-21 02:47:11','2016-04-21 06:47:11','',9915,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2008-mitsubishi-gallant-ralliart-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9917,0,'2016-04-21 02:47:12','2016-04-21 06:47:12','','2008 Mitsubishi Gallant Ralliart review','','inherit','open','closed','','2008-mitsubishi-gallant-ralliart-review-3','','','2016-04-21 02:47:12','2016-04-21 06:47:12','',9915,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2008-mitsubishi-gallant-ralliart-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9918,0,'2016-04-21 02:47:12','2016-04-21 06:47:12','','2008 Mitsubishi Gallant Ralliart review','','inherit','open','closed','','2008-mitsubishi-gallant-ralliart-review-4','','','2016-04-21 02:47:12','2016-04-21 06:47:12','',9915,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2008-mitsubishi-gallant-ralliart-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9919,1,'2014-08-03 01:41:57','2014-08-03 01:41:57','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nNight time Clip: https://www.youtube.com/watch?v=mADq2Gg8zMk','Cam\'s Personal Car 2012 Camry SE Start Up-Part 2 Daytime','','publish','open','open','','cams-personal-car-2012-camry-se-start-up-part-2-daytime','','','2014-08-03 01:41:57','2014-08-03 01:41:57','',0,'http://www.l2ocredit.com/2014/08/03/cams-personal-car-2012-camry-se-start-up-part-2-daytime/',0,'post','',0),(9920,0,'2016-04-21 03:05:49','2016-04-21 07:05:49','','Cam&#8217;s Personal Car 2012 Camry SE Start Up-Part 2 Daytime','','inherit','open','closed','','cams-personal-car-2012-camry-se-start-up-part-2-daytime-2','','','2016-04-21 03:05:49','2016-04-21 07:05:49','',9919,'http://www.l2ocredit.com/2014/08/03/cams-personal-car-2012-camry-se-start-up-part-2-daytime/cams-personal-car-2012-camry-se-start-up-part-2-daytime-2/',0,'attachment','image/jpeg',0),(9921,1,'2014-09-05 11:00:02','2014-09-05 11:00:02','KBB’s brief demonstration of the Alfa Romeo 4C’s launch control system. \n\nClick here for the full review: https://www.youtube.com/watch?v=h-CUFv1mopc\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','How to Use Launch Control in an Alfa Romeo 4C - KBB Quick Take','','publish','open','open','','how-to-use-launch-control-in-an-alfa-romeo-4c-kbb-quick-take','','','2014-09-05 11:00:02','2014-09-05 11:00:02','',0,'http://www.l2ocredit.com/2014/09/05/how-to-use-launch-control-in-an-alfa-romeo-4c-kbb-quick-take/',0,'post','',0),(9922,0,'2016-04-21 03:36:05','2016-04-21 07:36:05','','How to Use Launch Control in an Alfa Romeo 4C &#8211; KBB Quick Take','','inherit','open','closed','','how-to-use-launch-control-in-an-alfa-romeo-4c-kbb-quick-take-2','','','2016-04-21 03:36:05','2016-04-21 07:36:05','',9921,'http://www.l2ocredit.com/2014/09/05/how-to-use-launch-control-in-an-alfa-romeo-4c-kbb-quick-take/how-to-use-launch-control-in-an-alfa-romeo-4c-kbb-quick-take-2/',0,'attachment','image/jpeg',0),(9923,1,'2015-04-01 17:15:33','2015-04-01 17:15:33','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Infiniti QX50 - 2015 New York Auto Show','','publish','open','open','','2016-infiniti-qx50-2015-new-york-auto-show','','','2015-04-01 17:15:33','2015-04-01 17:15:33','',0,'http://www.l2ocredit.com/2015/04/01/2016-infiniti-qx50-2015-new-york-auto-show/',0,'post','',0),(9924,0,'2016-04-21 03:59:28','2016-04-21 07:59:28','','2016 Infiniti QX50 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-infiniti-qx50-2015-new-york-auto-show-2','','','2016-04-21 03:59:28','2016-04-21 07:59:28','',9923,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-infiniti-qx50-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9925,0,'2016-04-21 03:59:28','2016-04-21 07:59:28','','2016 Infiniti QX50 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-infiniti-qx50-2015-new-york-auto-show-2','','','2016-04-21 03:59:28','2016-04-21 07:59:28','',9923,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-infiniti-qx50-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9926,0,'2016-04-21 03:59:28','2016-04-21 07:59:28','','2016 Infiniti QX50 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-infiniti-qx50-2015-new-york-auto-show-3','','','2016-04-21 03:59:28','2016-04-21 07:59:28','',9923,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-infiniti-qx50-2015-new-york-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9927,0,'2016-04-21 03:59:28','2016-04-21 07:59:28','','2016 Infiniti QX50 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-infiniti-qx50-2015-new-york-auto-show-4','','','2016-04-21 03:59:28','2016-04-21 07:59:28','',9923,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-infiniti-qx50-2015-new-york-auto-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9928,0,'2016-04-21 03:59:28','2016-04-21 07:59:28','','2016 Infiniti QX50 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-infiniti-qx50-2015-new-york-auto-show-5','','','2016-04-21 03:59:28','2016-04-21 07:59:28','',9923,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-infiniti-qx50-2015-new-york-auto-show-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9929,1,'2013-08-23 18:00:24','2013-08-23 18:00:24','Nissan Versa Note at Nissan Design America. MotoMan heads down to Nissan Design America in San Diego to decode some of the unique changes to the all new 2013 Nissan Versa Note.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','Nissan Versa Note at Nissan Design America','','publish','open','open','','nissan-versa-note-at-nissan-design-america','','','2013-08-23 18:00:24','2013-08-23 18:00:24','',0,'http://www.l2ocredit.com/2013/08/23/nissan-versa-note-at-nissan-design-america/',0,'post','',0),(9930,0,'2016-04-21 04:15:59','2016-04-21 08:15:59','','Nissan Versa Note at Nissan Design America','','inherit','open','closed','','nissan-versa-note-at-nissan-design-america-2','','','2016-04-21 04:15:59','2016-04-21 08:15:59','',9929,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-versa-note-at-nissan-design-america-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9931,0,'2016-04-21 04:15:59','2016-04-21 08:15:59','','Nissan Versa Note at Nissan Design America','','inherit','open','closed','','nissan-versa-note-at-nissan-design-america-3','','','2016-04-21 04:15:59','2016-04-21 08:15:59','',9929,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-versa-note-at-nissan-design-america-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9932,0,'2016-04-21 04:15:59','2016-04-21 08:15:59','','Nissan Versa Note at Nissan Design America','','inherit','open','closed','','nissan-versa-note-at-nissan-design-america-4','','','2016-04-21 04:15:59','2016-04-21 08:15:59','',9929,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-versa-note-at-nissan-design-america-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9933,1,'2014-06-29 15:32:32','2014-06-29 15:32:32','Check out more videos: http://vid.io/xqoB\nUpcoming reviews: http://vid.io/xqxl\nBest cars in 2016: http://vid.io/xqxe\nIn this video I take an in depth look into the touchscreen infotainment and navigation system found in most 2014 and 2015 Infiniti models. (Except for the Q50). \n\nIn the QX60 (as tested) the standard 7-inch infotainment screen does everything but navigation. iDevice/USB integration is of course standard as is Bluetooth and a 6-speaker audio system with a single disc CD player and XM radio. Opting for the \"premium package\" gets you Infiniti\'s easy to use navigation system with a high-resolution 8-inch touchscreen, a 13-speaker Bose sound system, voice control, and Infiniti\'s slick all-around camera system. The system uses four cameras and some trick processing to stitch images together to form an \"aerial view\" making easy work of tight parking situations.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 Infiniti Infotainment and Navigation System Review','','publish','open','open','','2014-infiniti-infotainment-and-navigation-system-review','','','2014-06-29 15:32:32','2014-06-29 15:32:32','',0,'http://www.l2ocredit.com/2014/06/29/2014-infiniti-infotainment-and-navigation-system-review/',0,'post','',0),(9934,0,'2016-04-21 04:34:15','2016-04-21 08:34:15','','2014 Infiniti Infotainment and Navigation System Review','','inherit','open','closed','','2014-infiniti-infotainment-and-navigation-system-review-2','','','2016-04-21 04:34:15','2016-04-21 08:34:15','',9933,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-infiniti-infotainment-and-navigation-system-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9935,0,'2016-04-21 04:34:15','2016-04-21 08:34:15','','2014 Infiniti Infotainment and Navigation System Review','','inherit','open','closed','','2014-infiniti-infotainment-and-navigation-system-review-3','','','2016-04-21 04:34:15','2016-04-21 08:34:15','',9933,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-infiniti-infotainment-and-navigation-system-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9936,0,'2016-04-21 04:34:16','2016-04-21 08:34:16','','2014 Infiniti Infotainment and Navigation System Review','','inherit','open','closed','','2014-infiniti-infotainment-and-navigation-system-review-4','','','2016-04-21 04:34:16','2016-04-21 08:34:16','',9933,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-infiniti-infotainment-and-navigation-system-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9937,0,'2016-04-21 04:34:16','2016-04-21 08:34:16','','2014 Infiniti Infotainment and Navigation System Review','','inherit','open','closed','','2014-infiniti-infotainment-and-navigation-system-review-5','','','2016-04-21 04:34:16','2016-04-21 08:34:16','',9933,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-infiniti-infotainment-and-navigation-system-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9938,1,'2011-11-22 06:21:13','2011-11-22 06:21:13','New for 2012, the Impreza features more room, attractive styling and improved fuel economy.\r\nFrom www.motormouth.ca','2012 Subaru Impreza review','','publish','open','open','','2012-subaru-impreza-review','','','2011-11-22 06:21:13','2011-11-22 06:21:13','',0,'http://www.l2ocredit.com/2011/11/22/2012-subaru-impreza-review/',0,'post','',0),(9939,0,'2016-04-21 05:55:42','2016-04-21 09:55:42','','2012 Subaru Impreza review','','inherit','open','closed','','2012-subaru-impreza-review-2','','','2016-04-21 05:55:42','2016-04-21 09:55:42','',9938,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-subaru-impreza-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9940,1,'2014-08-02 20:35:12','2014-08-02 20:35:12','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 5/5 \nEngine &amp; Performance\nBASE ENGINE SIZE 4.4 L\nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS V8 \nVALVES 32\nVALVE TIMING Variable \nTORQUE 480 ft-lbs. @ 2000 rpm\nHORSEPOWER 445 hp @ 5500 rpm \nFuel\nENGINE TYPE Gas \nFUEL TYPE Premium unleaded (required)\nFUEL TANK CAPACITY 18.5 gal. \nRANGE IN MILES (CTY/HWY) 314.5/462.5 mi.\nEPA MILEAGE EST. (CTY/HWY) 17/25 mpg \nWeights and Capacities\nMAXIMUM PAYLOAD** 905 lbs.\nEPA INTERIOR VOLUME 109.0 cu.ft.\nGROSS WEIGHT 5455 lbs. \nDRAG COEFFICIENT 0.29 Cd\nCURB WEIGHT 4430 lbs. \nCARGO CAPACITY, ALL SEATS IN PLACE 13.0 cu.ft.\nMAXIMUM CARGO CAPACITY 13.0 cu.ft.  \nCompetitors: Mercedes CLS, Audi A7','2015 BMW 6 Series (650i) Gran Coupe Start Up and Review 4.4 L Twin Turbo V8','','publish','open','open','','2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8','','','2014-08-02 20:35:12','2014-08-02 20:35:12','',0,'http://www.l2ocredit.com/2014/08/02/2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8/',0,'post','',0),(9941,0,'2016-04-21 06:17:41','2016-04-21 10:17:41','','2015 BMW 6 Series (650i) Gran Coupe Start Up and Review 4.4 L Twin Turbo V8','','inherit','open','closed','','2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-2','','','2016-04-21 06:17:41','2016-04-21 10:17:41','',9940,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9942,0,'2016-04-21 06:17:41','2016-04-21 10:17:41','','2015 BMW 6 Series (650i) Gran Coupe Start Up and Review 4.4 L Twin Turbo V8','','inherit','open','closed','','2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-2','','','2016-04-21 06:17:41','2016-04-21 10:17:41','',9940,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9943,0,'2016-04-21 06:17:41','2016-04-21 10:17:41','','2015 BMW 6 Series (650i) Gran Coupe Start Up and Review 4.4 L Twin Turbo V8','','inherit','open','closed','','2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-2','','','2016-04-21 06:17:41','2016-04-21 10:17:41','',9940,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9944,0,'2016-04-21 06:17:42','2016-04-21 10:17:42','','2015 BMW 6 Series (650i) Gran Coupe Start Up and Review 4.4 L Twin Turbo V8','','inherit','open','closed','','2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-3','','','2016-04-21 06:17:42','2016-04-21 10:17:42','',9940,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9945,0,'2016-04-21 06:17:42','2016-04-21 10:17:42','','2015 BMW 6 Series (650i) Gran Coupe Start Up and Review 4.4 L Twin Turbo V8','','inherit','open','closed','','2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-4','','','2016-04-21 06:17:42','2016-04-21 10:17:42','',9940,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-6-series-650i-gran-coupe-start-up-and-review-4-4-l-twin-turbo-v8-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9946,1,'2014-08-29 16:30:12','2014-08-29 16:30:12','Not quite ready to trade in the keys to our beloved Passat TDI, Volkswagen agreed to extend our long-term loan for a third year. Here’s how our Passat has fared thus far. \n\nFor the latest Passat pricing and information:\nhttp://www.kbb.com/volkswagen/passat/2014-volkswagen-passat/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2012 VW Passat TDI - Long-Term Conclusion','','publish','open','open','','2012-vw-passat-tdi-long-term-conclusion','','','2014-08-29 16:30:12','2014-08-29 16:30:12','',0,'http://www.l2ocredit.com/2014/08/29/2012-vw-passat-tdi-long-term-conclusion/',0,'post','',0),(9947,0,'2016-04-21 06:40:20','2016-04-21 10:40:20','','2012 VW Passat TDI &#8211; Long-Term Conclusion','','inherit','open','closed','','2012-vw-passat-tdi-long-term-conclusion-2','','','2016-04-21 06:40:20','2016-04-21 10:40:20','',9946,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-vw-passat-tdi-long-term-conclusion-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9948,0,'2016-04-21 06:40:20','2016-04-21 10:40:20','','2012 VW Passat TDI &#8211; Long-Term Conclusion','','inherit','open','closed','','2012-vw-passat-tdi-long-term-conclusion-2','','','2016-04-21 06:40:20','2016-04-21 10:40:20','',9946,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-vw-passat-tdi-long-term-conclusion-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9949,0,'2016-04-21 06:40:21','2016-04-21 10:40:21','','2012 VW Passat TDI &#8211; Long-Term Conclusion','','inherit','open','closed','','2012-vw-passat-tdi-long-term-conclusion-3','','','2016-04-21 06:40:21','2016-04-21 10:40:21','',9946,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-vw-passat-tdi-long-term-conclusion-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9950,1,'2015-04-01 16:02:38','2015-04-01 16:02:38','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Lexus RX First Look - 2015 New York Auto Show','','publish','open','open','','2016-lexus-rx-first-look-2015-new-york-auto-show','','','2015-04-01 16:02:38','2015-04-01 16:02:38','',0,'http://www.l2ocredit.com/2015/04/01/2016-lexus-rx-first-look-2015-new-york-auto-show/',0,'post','',0),(9951,0,'2016-04-21 06:56:29','2016-04-21 10:56:29','','2016 Lexus RX First Look &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-lexus-rx-first-look-2015-new-york-auto-show-2','','','2016-04-21 06:56:29','2016-04-21 10:56:29','',9950,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-lexus-rx-first-look-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9952,0,'2016-04-21 06:56:29','2016-04-21 10:56:29','','2016 Lexus RX First Look &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-lexus-rx-first-look-2015-new-york-auto-show-2','','','2016-04-21 06:56:29','2016-04-21 10:56:29','',9950,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-lexus-rx-first-look-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9953,0,'2016-04-21 06:56:29','2016-04-21 10:56:29','','2016 Lexus RX First Look &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-lexus-rx-first-look-2015-new-york-auto-show-3','','','2016-04-21 06:56:29','2016-04-21 10:56:29','',9950,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-lexus-rx-first-look-2015-new-york-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9954,0,'2016-04-21 06:56:30','2016-04-21 10:56:30','','2016 Lexus RX First Look &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-lexus-rx-first-look-2015-new-york-auto-show-4','','','2016-04-21 06:56:30','2016-04-21 10:56:30','',9950,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-lexus-rx-first-look-2015-new-york-auto-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9955,1,'2013-08-21 18:00:29','2013-08-21 18:00:29','VW Jetta Hybrid with Rainer Michel Volkswagen VP of Strategy &amp; Marketing. Volkswagen USA\'s man in charge of Strategy &amp; Marketing, Rainer Michel, visits the studio and brings some show &amp; tell: The 2013 Volkswagen Jetta Hybrid. Rainer puts VW\'s first Hybrid up on Mean Gene\'s rack and takes MotoMan through the points that make this unlike other Hybrids -- a Turbo Engine and Dual Clutch transmission.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','VW Jetta Hybrid with Rainer Michel Volkswagen VP of Strategy &amp; Marketing','','publish','open','open','','vw-jetta-hybrid-with-rainer-michel-volkswagen-vp-of-strategy-marketing','','','2013-08-21 18:00:29','2013-08-21 18:00:29','',0,'http://www.l2ocredit.com/2013/08/21/vw-jetta-hybrid-with-rainer-michel-volkswagen-vp-of-strategy-marketing/',0,'post','',0),(9956,0,'2016-04-21 07:26:06','2016-04-21 11:26:06','','VW Jetta Hybrid with Rainer Michel Volkswagen VP of Strategy &amp; Marketing','','inherit','open','closed','','vw-jetta-hybrid-with-rainer-michel-volkswagen-vp-of-strategy-marketing-2','','','2016-04-21 07:26:06','2016-04-21 11:26:06','',9955,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-jetta-hybrid-with-rainer-michel-volkswagen-vp-of-strategy-marketing-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9957,0,'2016-04-21 07:26:07','2016-04-21 11:26:07','','VW Jetta Hybrid with Rainer Michel Volkswagen VP of Strategy &amp; Marketing','','inherit','open','closed','','vw-jetta-hybrid-with-rainer-michel-volkswagen-vp-of-strategy-marketing-3','','','2016-04-21 07:26:07','2016-04-21 11:26:07','',9955,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-jetta-hybrid-with-rainer-michel-volkswagen-vp-of-strategy-marketing-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9958,0,'2016-04-21 07:26:08','2016-04-21 11:26:08','','VW Jetta Hybrid with Rainer Michel Volkswagen VP of Strategy &amp; Marketing','','inherit','open','closed','','vw-jetta-hybrid-with-rainer-michel-volkswagen-vp-of-strategy-marketing-4','','','2016-04-21 07:26:08','2016-04-21 11:26:08','',9955,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-jetta-hybrid-with-rainer-michel-volkswagen-vp-of-strategy-marketing-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9959,1,'2014-06-23 03:05:18','2014-06-23 03:05:18','Ever wondered how the single motor two clutch hybrid system in the Pathfinder, QX60, Q50 and Q70 works? In this short video I explain how this system operates and how it differs from the other hybrid systems on the market. Most importantly I explain why you may fail to get the lofty fuel economy numbers claimed and why the Pathfinder and QX60 seem so reluctant to operate in EV mode.\nStatistics powered by ChannelMeter http://channelmeter.com','How the Nissan and Infiniti Hybrid System works - Pathfinder / QX60','','publish','open','open','','how-the-nissan-and-infiniti-hybrid-system-works-pathfinder-qx60','','','2014-06-23 03:05:18','2014-06-23 03:05:18','',0,'http://www.l2ocredit.com/2014/06/23/how-the-nissan-and-infiniti-hybrid-system-works-pathfinder-qx60/',0,'post','',0),(9960,0,'2016-04-21 07:41:20','2016-04-21 11:41:20','','How the Nissan and Infiniti Hybrid System works &#8211; Pathfinder / QX60','','inherit','open','closed','','how-the-nissan-and-infiniti-hybrid-system-works-pathfinder-qx60-2','','','2016-04-21 07:41:20','2016-04-21 11:41:20','',9959,'http://www.l2ocredit.com/wp-content/uploads/2016/04/how-the-nissan-and-infiniti-hybrid-system-works-pathfinder-qx60-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9961,1,'2011-11-21 07:17:30','2011-11-21 07:17:30','What are all-weather tires and how much do they improve winter driving? Canadian Tire expert Melissa Arbour explains. From www.motormouth.ca','All-Weather Tire review','','publish','open','open','','all-weather-tire-review','','','2011-11-21 07:17:30','2011-11-21 07:17:30','',0,'http://www.l2ocredit.com/2011/11/21/all-weather-tire-review/',0,'post','',0),(9962,0,'2016-04-21 08:45:44','2016-04-21 12:45:44','','All-Weather Tire review','','inherit','open','closed','','all-weather-tire-review-2','','','2016-04-21 08:45:44','2016-04-21 12:45:44','',9961,'http://www.l2ocredit.com/wp-content/uploads/2016/04/all-weather-tire-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9963,0,'2016-04-21 08:45:45','2016-04-21 12:45:45','','All-Weather Tire review','','inherit','open','closed','','all-weather-tire-review-3','','','2016-04-21 08:45:45','2016-04-21 12:45:45','',9961,'http://www.l2ocredit.com/wp-content/uploads/2016/04/all-weather-tire-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9964,1,'2014-08-01 19:14:15','2014-08-01 19:14:15','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl  \nPowertrain Options: 1.5 L 4-Cylinder with a CVT or 6-Speed Manual FWD\nCamerons Car Reviews Score: 5/5 \nEngine &amp; Performance\nBASE ENGINE SIZE 1.5 L \nCAM TYPE Single overhead cam (SOHC)\nCYLINDERS Inline 4 \nVALVES 16\nVALVE TIMING Variable \nTORQUE 114 ft-lbs. @ 4600 rpm\nHORSEPOWER 130 hp @ 6600 rpm \nTURNING CIRCLE 35.1 ft.\nFuel\nENGINE TYPE Gas \nFUEL TYPE Regular unleaded\nFUEL TANK CAPACITY 10.6 gal. \nRANGE IN MILES (CTY/HWY) 307.4/392.2 mi.\nEPA MILEAGE EST. (CTY/HWY) 29/37 mpg \nWeights and Capacities\nEPA INTERIOR VOLUME 112.3 cu.ft. \nCURB WEIGHT 2513 lbs.\nCARGO CAPACITY, ALL SEATS IN PLACE 16.6 cu.ft.  \nCompetitors: Ford Fiesta, Nissan Versa Note, Chevrolet Sonic, Mazda 2, Toyota Yaris','2015 Honda Fit Start up and Review 1.5 L 4-Cylinder','','publish','open','open','','2015-honda-fit-start-up-and-review-1-5-l-4-cylinder','','','2014-08-01 19:14:15','2014-08-01 19:14:15','',0,'http://www.l2ocredit.com/2014/08/01/2015-honda-fit-start-up-and-review-1-5-l-4-cylinder/',0,'post','',0),(9965,0,'2016-04-21 09:04:48','2016-04-21 13:04:48','','2015 Honda Fit Start up and Review 1.5 L 4-Cylinder','','inherit','open','closed','','2015-honda-fit-start-up-and-review-1-5-l-4-cylinder-2','','','2016-04-21 09:04:48','2016-04-21 13:04:48','',9964,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-honda-fit-start-up-and-review-1-5-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9966,0,'2016-04-21 09:04:48','2016-04-21 13:04:48','','2015 Honda Fit Start up and Review 1.5 L 4-Cylinder','','inherit','open','closed','','2015-honda-fit-start-up-and-review-1-5-l-4-cylinder-2','','','2016-04-21 09:04:48','2016-04-21 13:04:48','',9964,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-honda-fit-start-up-and-review-1-5-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9967,0,'2016-04-21 09:04:48','2016-04-21 13:04:48','','2015 Honda Fit Start up and Review 1.5 L 4-Cylinder','','inherit','open','closed','','2015-honda-fit-start-up-and-review-1-5-l-4-cylinder-3','','','2016-04-21 09:04:48','2016-04-21 13:04:48','',9964,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-honda-fit-start-up-and-review-1-5-l-4-cylinder-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9968,1,'2014-08-25 11:00:04','2014-08-25 11:00:04','The Toyota 4Runner is one of the last of its kind, meaning it has shunned the move toward a car-based chassis and continues on with the same rigid body-on-frame design that, 30 years ago, spawned the original 4Runner. Is there a spot in today’s marketplace for a traditional SUV? KBB’s Zach Vlasuk finds out in this video. \n\nFor the latest 4Runner pricing and information:\nhttp://www.kbb.com/toyota/4runner/ \n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. 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Full Article: http://wp.me/p3LQCT-13H0\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','Car Review | 2016 Shelby GT350 | Driving.ca','','publish','open','open','','car-review-2016-shelby-gt350-driving-ca','','','2016-04-21 14:00:02','2016-04-21 14:00:02','',0,'http://www.l2ocredit.com/2016/04/21/car-review-2016-shelby-gt350-driving-ca/',0,'post','',0),(9981,0,'2016-04-21 10:44:39','2016-04-21 14:44:39','','Car Review | 2016 Shelby GT350 | Driving.ca','','inherit','open','closed','','car-review-2016-shelby-gt350-driving-ca-2','','','2016-04-21 10:44:39','2016-04-21 14:44:39','',9980,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-shelby-gt350-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9982,0,'2016-04-21 10:44:39','2016-04-21 14:44:39','','Car Review | 2016 Shelby GT350 | Driving.ca','','inherit','open','closed','','car-review-2016-shelby-gt350-driving-ca-2','','','2016-04-21 10:44:39','2016-04-21 14:44:39','',9980,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-shelby-gt350-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9983,0,'2016-04-21 10:44:39','2016-04-21 14:44:39','','Car Review | 2016 Shelby GT350 | Driving.ca','','inherit','open','closed','','car-review-2016-shelby-gt350-driving-ca-3','','','2016-04-21 10:44:39','2016-04-21 14:44:39','',9980,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-shelby-gt350-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9984,0,'2016-04-21 10:44:40','2016-04-21 14:44:40','','Car Review | 2016 Shelby GT350 | Driving.ca','','inherit','open','closed','','car-review-2016-shelby-gt350-driving-ca-4','','','2016-04-21 10:44:40','2016-04-21 14:44:40','',9980,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-shelby-gt350-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9985,0,'2016-04-21 10:44:40','2016-04-21 14:44:40','','Car Review | 2016 Shelby GT350 | Driving.ca','','inherit','open','closed','','car-review-2016-shelby-gt350-driving-ca-5','','','2016-04-21 10:44:40','2016-04-21 14:44:40','',9980,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-shelby-gt350-driving-ca-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9986,1,'2016-04-20 11:43:37','2016-04-20 15:43:37','<p><img class=\"alignnone wp-image-153238 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch.jpg\" alt=\"Retirement planning - Surviving the crunch\" width=\"800\" height=\"1000\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch-240x300.jpg 240w, http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch-768x960.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch-528x660.jpg 528w, http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch.jpg 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" />Julie and Noel Bond seemed well on their way to realizing the Canadian dream when they moved east of Vancouver to the small community of Mission in 2014 so they could afford a three-bedroom house for their growing family. They now have two pre-school children and are expecting a baby in March.</p>\n<p>While Julie plans to stay home to look after the kids for a year after the baby’s birth, the couple face a tricky financial dilemma over what to do after that. For Julie to return to her part-time $30,000-a-year teaching job would be pointless because her entire paycheque would be eaten up by child-care costs. But the $80,000 a year Noel earns as a railway worker isn’t enough by itself to cover the mortgage and other expenses if Julie stays home to look after the kids. Whether Julie, who is 36, returns to her old job or stays home, they expect ongoing expenses to exceed take-home pay by about $1,000 a month. That leaves Julie looking for solutions and wondering, “What will my family do?”</p>\n<h3>Caught in the crunch</h3>\n<p>The Bonds are in the midst of what many Canadians find to be the most challenging interval on the entire road to retirement, a period sometimes referred to as the “crunch” years. You may experience its bite after buying a house and starting a family, when you shoulder the dual burden of a huge mortgage and expensive child care costs. While the crunch has been a fact of financial life for decades, it has bitten deeper in recent years as house prices have continued to escalate in major cities like Toronto and Vancouver. In what follows, we’ll describe the crunch and what you need to do to get through it. We’ll also show you what help government provides and compare it to benefits for seniors, while raising the challenging question of whether more should be done.</p>\n<p>Driving the crunch these days is the fact that soaring house prices have changed the fortunes of older and younger Canadians in a very different fashion. They have enriched the net worth and eased the path to retirement for those old enough to have bought homes before much of the run-up, while burdening younger Canadians who are new to the housing market. “Housing has become a generational tipping point in Canada these days,” says Paul Kershaw, executive chair of the Association for Generational Equity (AGE), an advocacy group for Canadians in their 20s, 30s and 40s. “The squeeze is so significant that it is transforming expectations with respect to home ownership, even for talented, successful, well-educated young people,” says Kershaw.</p>\n<p>It’s not just advocates from a younger generation who think so. “I think they have a real point,” says Malcolm Hamilton, a retired actuary and fellow with the C.D. Howe Institute, and one of Canada’s foremost retirement experts. “In what kind of country can a couple (like the Bonds) with $110,000 in income not be able to afford to have a house and two children? And yet there are parts of Canada where that’s a real challenge,” he says. “We’re very miserly in our support for poor struggling young people. Yet we treat seniors much, much better and have for decades.”</p>\n<p>When it comes to the crunch, we need to rethink what “high income” means. While couples with low or average incomes and children may be priced out of a house purchase altogether in the more expensive housing markets, even couples like the Bonds with incomes over $100,000 can struggle. “They’re more or less viewed as privileged people who can afford mortgages and children,” says Hamilton. But despite high gross incomes, what’s often left over after paying the mortgage, debts, child-care costs, income taxes and other costs is liable to leave them in difficulty trying to make ends meet. “Even with incomes of between $100,000 and $150,000 in Toronto or Vancouver, you’d better think it through because housing is expensive, the payments are going to be large and daycare is expensive, too.”</p>\n<h3>Avoiding a pitfall</h3>\n<p>When applying for a mortgage, it’s surprisingly easy to take on more than you can afford if you also have kids soon after. That’s because financial institutions generally base their test of income sufficiency on two ratios (known as the “gross debt service” ratio and the “total debt service” ratio) that don’t take into account child-care costs. That means if you take the biggest mortgage the bank will give you and you don’t have kids, your finances will probably feel tight but okay. But then if you have a couple of kids and start paying hefty daycare costs (or drop one of the incomes), that can easily put you over the edge of what you can afford. “They aren’t a good limit for people who are going to have children,” says Hamilton.</p>\n<p>The result is a potential financial trap for the unwary. To show what can happen, we’ve created a budget for a fictional couple we’ll call Amy and Tyler Spencer. We enlisted <img class=\"alignright wp-image-153190 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-04-20-at-9.49.20-AM.png\" alt=\"Retirement planning How a family budget can get crunched\" width=\"301\" height=\"790\" />the help of chartered professional accountant Ali Jaffer and staff at AR Jaffer Professional Corporation to calculate taxes and benefits for 2015. The Spencers live in Toronto and earn a little bit more than the real-life Bonds. They have combined salaries of $120,000 (one spouse earns $80,000 and the other earns $40,000). They have taken on as big a mortgage as their financial institution will allow in order to buy the best house they can for their kids. They have two preschool-aged children in private daycare and pay $26,000 a year in fees, a typical amount in Toronto these days. We put together a fairly bare-bones budget for them and found they ended up with a shortfall of more than $10,000 a year.</p>\n<p>That means you have to plan for the crunch years at the start. “You have to think through at the point you buy the house, how many children are you going to have, and how you are going to care for those children until they go to school, and how much is it going to cost?” says Hamilton. “If you wait until later to figure it out, you may have painted yourself into a corner.”</p>\n<h3>Getting breaks and benefits</h3>\n<p>To be sure, the government provides a number of benefit programs or tax breaks for families with children. While these programs certainly help to a significant degree, they give the impression that governments are doing more than they really are. “I would describe them as boutique programs designed to get headlines, not actually make excellent public policy,” says Kershaw. To show this impact, we calculated the family benefits and tax breaks that the Spencers would receive as well as the overall taxes they pay, also with the help of Jaffer.</p>\n<p>The Spencers received three specific tax breaks worth $6,188 and money from two family benefit programs worth $4,410 before taxes. While that helps, it’s a lot less than the $26,000 they spent on daycare. Despite the tax breaks, their overall income tax bill net of benefits was just under $15,000. While the Spencers are struggling with heavy mortgage and daycare costs, their relatively high income makes them a magnet for high income taxes. “Government confuses large income with high standard of living,” observes Hamilton.</p>\n<p><a href=\"http://www.moneysense.ca/?p=153188\">Seniors get all the tax breaks? » </a></p>\n<h3>Surviving the crunch</h3>\n<p>To get through the crunch, initially you need to focus on just keeping your financial head above water and then pay off debts when you can. Usually financial conditions gradually get better on their own accord. Salaries generally go up at least by inflation and you may get promotional increases on top of that. Mortgage payments generally stay flat. Gradually your mortgage payments build home equity at a compounding rate. Child-care costs decline as your children reach school age and eventually will end completely when they get older.</p>\n<p>“The priority is get out of debt as quickly as you reasonably can,” advises Hamilton. “If you have more than one debt, try to have it in the place where the interest rate is lowest.” Few people at this stage can save for retirement, but that’s okay, despite lots of hectoring to the contrary from the financial industry. After you get through the crunch years, you’ll have to make saving a priority, Hamilton says.</p>\n<h3>The Bonds persevere</h3>\n<p>Meanwhile Julie and Noel Bond are looking forward to welcoming a new baby into their young family, which also includes Jaya, 4, and Zackary, 2. Julie, who is 36, plans to stay home to look after the kids during the new baby’s first year and she expects that Employment Insurance Maternity and Parental Benefits should roughly cover the shortfall in their finances that would otherwise occur. After that, she realizes they need to figure out something else to cover the financial gap.</p>\n<p>The Bonds are carrying a sizeable debt load from their mortgage, a vehicle loan, a student loan and credit card debt, with minimum payments totalling about $37,000 a year. They’ve already pared their discretionary expenses about as far as they can, so they realize they need to find some combination of more income or cheaper daycare costs.</p>\n<p>While turning things around won’t be easy, they have lots going for them. Noel, who is 40, has a promising railway career, and hopes at some point to move up from conductor to a better-paying position as a locomotive engineer. Requirements for parental care or paid daycare will gradually diminish as the kids reach school age.</p>\n<p>Julie has strong job credentials including a Master’s degree and 10 years’ experience in teaching english as a second language (TESL). Her half-time position (four partial days a week with a school board in the Lower Mainland area outside Vancouver) doesn’t pay enough to cover daycare for three children, but she is still hoping to find a full-time teaching job with a daycare-friendly nine-to-four schedule. (The TESL norm is contract or part-time work with irregular hours, including evenings. Noel works rotating shifts and can’t commit to parental child care at set times.)</p>\n<p>If she isn’t able to find that kind of position, she has a fallback plan until her children reach school age. She estimates she can roughly cover the shortfall by providing paid before- and after-school child care in her home while also looking after her own kids. While she might want to return to teaching one day, she realizes she needs to do what’s necessary to make ends meet. “Being home with young kids and providing child care is just one chapter in my life and there are many more chapters yet to be written,” she says.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/retirement-planning-during-the-crunch-years/\">Surviving the crunch</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Surviving the crunch','<p>How to face the biggest financial burdens&mdash;family costs and a mortgage&mdash;at the same time</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/retirement-planning-during-the-crunch-years/\">Surviving the crunch</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9756-revision-v1','','','2016-04-20 11:43:37','2016-04-20 15:43:37','',9756,'http://feedwordpress.radgeek.com/?rev=2a528bf67591a2b3a187c03f753bbef2',0,'revision','',0),(9987,1,'2016-04-20 04:38:17','2016-04-20 08:38:17','<p>The city is calling to Lola Augustine Brown: She and her husband plan to list their 200-year-old house in rural Upper Stewiacke, N.S., and move their young family to Halifax. For Augustine Brown, one of the trade-offs will be the inevitable reduction in age of their abode. “It’s important to me that the house has a vintage feel, because that’s my personal style. So I try to find touches that are retro even if the house isn’t that old,” says Augustine Brown. She admits her current place is a money pit, but lets out a big sigh when she thinks of the challenge of outfitting a newer home with the details that will give it character.</p>\n<p>Owning a newer home means modern plumbing, heat efficiency and up-to-date wiring (none of that pesky knob-and-tube business). But what some houses offer in modern perks, they lack in charm and good old-fashioned craftsmanship. These days, homeowners can add a sense of old-school heft and whimsy to their decor with a pastel shade of paint here, a vintage-looking brass light fixture there, maybe some reclaimed wood furniture (and flooring, if it fits in their budget). But these details don’t always come cheap.</p>\n<p>Industrial and farmhouse chic looks have remained popular for the past decade (and show no signs of abating). High-end retailers like Restoration Hardware and Crate &amp; Barrel specialize in making rustic decor easy to find, if you’ve got room in the budget. Says Augustine Brown, “Among other things, we’ve been endeavouring to get vintage-style light fixtures.”</p>\n<p>And for that, she’s been looking into several options from Schoolhouse Electric (schoolhouseelectric.com), a New York City–based purveyor of home fixtures, where an LED reproduction glass chandelier can cost as much as US$1,300.</p>\n<p>However, remodellers who put in the extra effort will find materials and objects that are genuinely old as well as very affordable, authentic and charming. While antiques dealers are a well-known option, don’t neglect salvage shops. They sell fixtures and materials ripped from older buildings, and many don’t charge a steep premium. It’s authenticity at bargain prices.</p>\n<p>Augustine Brown shops for salvage materials at Halifax’s Renovators Resource (renovators-resource.com), where she says “you can get everything from church pews to old doors.” She recently bought a set of ceramic door handles that were made to look like marble. She paid about $25 a handle, with mechanism already attached.</p>\n<p>An old oak door can be a steal at half the price of a modern one in all its hollow shoddiness, and it’s better made. But simply comparing the cost of old and new materials side by side misses the most important differences, says Jennifer Corson, the owner of Renovators Resource. Besides the price, the design case for introducing salvage is to add interest to an otherwise contemporary-looking space. “You just can’t get your hands on certain materials because they’re not being made anymore—things like cast iron radiators and solid walnut doors,” says Corson, an architect who also works with Solterre Design. In one of Solterre’s projects, old windows were recycled to become interior room dividers. In another, a perforated metal screen rescued from the laundry room of a defunct seniors’ residence was disguised as a surprisingly modern backdrop for a wood stove.</p>\n<p>Vintage materials exude a sense of solidity that newer ones simply can’t. “I think it just feels substantial,” Augustine Brown says. “I like the idea of things that will last forever, and be more hard-wearing,” she says, who believes buying into classic designs means never having to say you’re sorry about how your place looks.</p>\n<p>Finally, vintage materials are often greener than contemporary alternatives, says Sean Young, a heritage restoration contractor who works across southern Ontario. He is passionate on this point, having refurbished a higher than normal number of nice old piles in the Niagara region. He regularly works alongside traditional lime plasterers, and says that as much as half of the plastering work he’s seeing on his various renovation jobs around the Greater Toronto Area involves new, sustainable-build projects. Builders of new homes and businesses are opting for traditional plaster over modern drywall, noting it’s more aesthetically pleasing and better for the environment, even though it costs almost four times as much.</p>\n<p>And don’t get Young started on the notion that old windows are drafty and inefficient. “They say that modern windows are maintenance-free,” he says. “What we say in the heritage restoration community is that they’re unmaintainable. Every 15 or 20 years, you tear out the window and throw it away. Whereas a traditionally built wood sash window can last hundreds years,” he says. “Financially, I think that makes a lot of sense.”</p>\n    <script type=\"text/javascript\">\n    var minSharesToShow = \"2\";\n    var shareUrl = \"http://www.moneysense.ca/feed/image/1/\";\n    var ajaxUrl = \"http://www.moneysense.ca/wp-content/plugins/rdm-social-plugin/includes/ajax.getShareCount.php\";\n    jQuery( document ).ready(function() {\n        getNbrOfSharesAjax(ajaxUrl, shareUrl, minSharesToShow);\n    });\n    </script>\n    <div class=\"rdm-gallery-container gallery-slide-container\" data-useajax=\"true\" data-disablescrolling=\"true\" data-mobile-ad-frequency=\"3\" style=\"background-color: #FFFFFF\">\n    <div class=\"gallery-slide-header\">\n        <p class=\"gallery-slide-information-no-of-slides\">\n            <span class=\"current-slide\">\n                1\n            </span>\n            of\n            <span class=\"no-of-slides\">\n                8\n            </span>\n   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href=\"http://api.addthis.com/oexchange/0.8/forward/email/offer?title=Great+vintage+design+at+your+fingertips&description=Salvage+shops+offer+a+means+of+giving+a+newer+home+authentic+touches%E2%80%94+often+at+an+affordable+cost.+We+found+everything+on+this+page+at+Renovators+Resource+in+Halifax%2C+and+owner+Jennifer+Corson+helped+us+envision+the+potential.+But+you+can+easily+score+similar+finds+by+searching+for+salvage+in+your+neighbourhood.+%0A&url=http%3A%2F%2Fwww.moneysense.ca%2Ffeed%2Fimage%2F1%2F&pubid=ra-5346fe31683aa165\" data-href=\"http://api.addthis.com/oexchange/0.8/forward/email/offer?title=Great+vintage+design+at+your+fingertips&description=Salvage+shops+offer+a+means+of+giving+a+newer+home+authentic+touches%E2%80%94+often+at+an+affordable+cost.+We+found+everything+on+this+page+at+Renovators+Resource+in+Halifax%2C+and+owner+Jennifer+Corson+helped+us+envision+the+potential.+But+you+can+easily+score+similar+finds+by+searching+for+salvage+in+your+neighbourhood.+%0A&url=http%3A%2F%2Fwww.moneysense.ca%2Ffeed%2Fimage%2F1%2F&pubid=ra-5346fe31683aa165\" rel=\"nofollow\" >\n                Email            </a>\n       	</div>\n<br clear=\"all\" />\n            </div>\n        </div>\n    </div>\n\n    <div class=\"gallery-slide-information-slide-caption\"  style=\"display:none;\" ></div>\n\n    <div class=\"gallery-slide-information-container\">\n        <div class=\"gallery-slide-title\"><h2 class=\"slide-title\">Great vintage design at your fingertips</h2></div>\n        <div class=\"gallery-slide-information-slide-description\"><p class=\"p1\"><span class=\"s1\">Salvage shops offer a means of giving a newer home authentic touches— often at an affordable cost. We found everything on this page at Renovators Resource in Halifax, and owner Jennifer Corson helped us envision the potential. But you can easily score similar finds by searching for salvage in your neighbourhood. </span></p>\n</div>\n    </div>\n\n</div>\n\n<div class=\"gallery-slide-thumbnails-container\">\n    <div class=\"gallery-slide-thumbnails-previous disabled\">\n        <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">Previous</a>\n    </div>\n\n    <div class=\"gallery-slide-thumbnails\">\n        <ul>\n                        <li data-id=\"58791321-229c-4d0a-961d-a9a5eb91c54a\" data-type=\"image\" class=\"active\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/MONY02_SS_OPENER01-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"2177056a-5c31-4c61-a87d-7c7b055a1c3e\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/2/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/1-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"92c5550a-baa8-4148-b074-4d3a153c954d\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/3/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/7-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"d80c8816-7c90-40d5-a12d-eae157b25598\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/4/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/6-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"a9013341-985a-4063-8888-93b5d45194cd\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/5/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/5-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"9470ce08-b917-4ac7-a1dc-3779016b02b2\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/6/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/4-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"7385dbd8-1082-42d6-9281-8a367e594467\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/7/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/3-Annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"7d5d0345-945e-4474-9902-cdea84575480\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/8/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/2-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                    </ul>\n    </div>\n\n    <div class=\"gallery-slide-thumbnails-next\">\n        <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/2/\">Next</a>\n    </div>\n</div>\n\n<a class=\"rest-of-gallery\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">\n    Check out the rest of the gallery\n</a>\n\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">Get vintage home decor on a budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Get vintage home decor on a budget','<p>Looking to add a sense of old-school whimsy and timeless charm to your decor? Here&rsquo;s how to score that vintage vibe for cheap</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">Get vintage home decor on a budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 04:38:17','2016-04-20 08:38:17','',0,'http://www.moneysense.ca/?p=150304',0,'post','',0),(9988,1,'2016-04-20 04:38:17','2016-04-20 08:38:17','<p>The city is calling to Lola Augustine Brown: She and her husband plan to list their 200-year-old house in rural Upper Stewiacke, N.S., and move their young family to Halifax. For Augustine Brown, one of the trade-offs will be the inevitable reduction in age of their abode. “It’s important to me that the house has a vintage feel, because that’s my personal style. So I try to find touches that are retro even if the house isn’t that old,” says Augustine Brown. She admits her current place is a money pit, but lets out a big sigh when she thinks of the challenge of outfitting a newer home with the details that will give it character.</p>\n<p>Owning a newer home means modern plumbing, heat efficiency and up-to-date wiring (none of that pesky knob-and-tube business). But what some houses offer in modern perks, they lack in charm and good old-fashioned craftsmanship. These days, homeowners can add a sense of old-school heft and whimsy to their decor with a pastel shade of paint here, a vintage-looking brass light fixture there, maybe some reclaimed wood furniture (and flooring, if it fits in their budget). But these details don’t always come cheap.</p>\n<p>Industrial and farmhouse chic looks have remained popular for the past decade (and show no signs of abating). High-end retailers like Restoration Hardware and Crate &amp; Barrel specialize in making rustic decor easy to find, if you’ve got room in the budget. Says Augustine Brown, “Among other things, we’ve been endeavouring to get vintage-style light fixtures.”</p>\n<p>And for that, she’s been looking into several options from Schoolhouse Electric (schoolhouseelectric.com), a New York City–based purveyor of home fixtures, where an LED reproduction glass chandelier can cost as much as US$1,300.</p>\n<p>However, remodellers who put in the extra effort will find materials and objects that are genuinely old as well as very affordable, authentic and charming. While antiques dealers are a well-known option, don’t neglect salvage shops. They sell fixtures and materials ripped from older buildings, and many don’t charge a steep premium. It’s authenticity at bargain prices.</p>\n<p>Augustine Brown shops for salvage materials at Halifax’s Renovators Resource (renovators-resource.com), where she says “you can get everything from church pews to old doors.” She recently bought a set of ceramic door handles that were made to look like marble. She paid about $25 a handle, with mechanism already attached.</p>\n<p>An old oak door can be a steal at half the price of a modern one in all its hollow shoddiness, and it’s better made. But simply comparing the cost of old and new materials side by side misses the most important differences, says Jennifer Corson, the owner of Renovators Resource. Besides the price, the design case for introducing salvage is to add interest to an otherwise contemporary-looking space. “You just can’t get your hands on certain materials because they’re not being made anymore—things like cast iron radiators and solid walnut doors,” says Corson, an architect who also works with Solterre Design. In one of Solterre’s projects, old windows were recycled to become interior room dividers. In another, a perforated metal screen rescued from the laundry room of a defunct seniors’ residence was disguised as a surprisingly modern backdrop for a wood stove.</p>\n<p>Vintage materials exude a sense of solidity that newer ones simply can’t. “I think it just feels substantial,” Augustine Brown says. “I like the idea of things that will last forever, and be more hard-wearing,” she says, who believes buying into classic designs means never having to say you’re sorry about how your place looks.</p>\n<p>Finally, vintage materials are often greener than contemporary alternatives, says Sean Young, a heritage restoration contractor who works across southern Ontario. He is passionate on this point, having refurbished a higher than normal number of nice old piles in the Niagara region. He regularly works alongside traditional lime plasterers, and says that as much as half of the plastering work he’s seeing on his various renovation jobs around the Greater Toronto Area involves new, sustainable-build projects. Builders of new homes and businesses are opting for traditional plaster over modern drywall, noting it’s more aesthetically pleasing and better for the environment, even though it costs almost four times as much.</p>\n<p>And don’t get Young started on the notion that old windows are drafty and inefficient. “They say that modern windows are maintenance-free,” he says. “What we say in the heritage restoration community is that they’re unmaintainable. Every 15 or 20 years, you tear out the window and throw it away. Whereas a traditionally built wood sash window can last hundreds years,” he says. “Financially, I think that makes a lot of sense.”</p>\n    <script type=\"text/javascript\">\n    var minSharesToShow = \"2\";\n    var shareUrl = \"http://www.moneysense.ca/feed/image/1/\";\n    var ajaxUrl = \"http://www.moneysense.ca/wp-content/plugins/rdm-social-plugin/includes/ajax.getShareCount.php\";\n    jQuery( document ).ready(function() {\n        getNbrOfSharesAjax(ajaxUrl, shareUrl, minSharesToShow);\n    });\n    </script>\n    <div class=\"rdm-gallery-container gallery-slide-container\" data-useajax=\"true\" data-disablescrolling=\"true\" data-mobile-ad-frequency=\"3\" style=\"background-color: #FFFFFF\">\n    <div class=\"gallery-slide-header\">\n        <p class=\"gallery-slide-information-no-of-slides\">\n            <span class=\"current-slide\">\n                1\n            </span>\n            of\n            <span class=\"no-of-slides\">\n                8\n            </span>\n   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class=\"gallery-slide-information-slide-description\"><p class=\"p1\"><span class=\"s1\">Salvage shops offer a means of giving a newer home authentic touches— often at an affordable cost. We found everything on this page at Renovators Resource in Halifax, and owner Jennifer Corson helped us envision the potential. But you can easily score similar finds by searching for salvage in your neighbourhood. </span></p>\n</div>\n    </div>\n\n</div>\n\n<div class=\"gallery-slide-thumbnails-container\">\n    <div class=\"gallery-slide-thumbnails-previous disabled\">\n        <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">Previous</a>\n    </div>\n\n    <div class=\"gallery-slide-thumbnails\">\n        <ul>\n                        <li data-id=\"58791321-229c-4d0a-961d-a9a5eb91c54a\" data-type=\"image\" class=\"active\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/MONY02_SS_OPENER01-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"2177056a-5c31-4c61-a87d-7c7b055a1c3e\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/2/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/1-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"92c5550a-baa8-4148-b074-4d3a153c954d\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/3/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/7-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"d80c8816-7c90-40d5-a12d-eae157b25598\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/4/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/6-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"a9013341-985a-4063-8888-93b5d45194cd\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/5/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/5-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"9470ce08-b917-4ac7-a1dc-3779016b02b2\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/6/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/4-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"7385dbd8-1082-42d6-9281-8a367e594467\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/7/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/3-Annotation-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"7d5d0345-945e-4474-9902-cdea84575480\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/8/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/2-annotation-150x150.jpg\" />\n                </a>\n            </li>\n                    </ul>\n    </div>\n\n    <div class=\"gallery-slide-thumbnails-next\">\n        <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/image/2/\">Next</a>\n    </div>\n</div>\n\n<a class=\"rest-of-gallery\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">\n    Check out the rest of the gallery\n</a>\n\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">Get vintage home decor on a budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Get vintage home decor on a budget','<p>Looking to add a sense of old-school whimsy and timeless charm to your decor? Here&rsquo;s how to score that vintage vibe for cheap</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/vintage-home-decor-on-a-budget/\">Get vintage home decor on a budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9987-revision-v1','','','2016-04-20 04:38:17','2016-04-20 08:38:17','',9987,'http://feedwordpress.radgeek.com/?rev=12c0f73fff7ff00213caf263b00fd8bd',0,'revision','',0),(9989,1,'2011-11-18 07:19:36','2011-11-18 07:19:36','Here are the first images of the 2013 Ford Escape. The Escape has been the best selling SUV in Canada so thisew product is is very important to Ford and to Canadians\r\nfrom.www.motormouth.ca','2013 Ford Escape preview','','publish','open','open','','2013-ford-escape-preview','','','2011-11-18 07:19:36','2011-11-18 07:19:36','',0,'http://www.l2ocredit.com/2011/11/18/2013-ford-escape-preview/',0,'post','',0),(9990,0,'2016-04-21 11:23:54','2016-04-21 15:23:54','','2013 Ford Escape preview','','inherit','open','closed','','2013-ford-escape-preview-2','','','2016-04-21 11:23:54','2016-04-21 15:23:54','',9989,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-ford-escape-preview-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9991,0,'2016-04-21 11:23:54','2016-04-21 15:23:54','','2013 Ford Escape preview','','inherit','open','closed','','2013-ford-escape-preview-3','','','2016-04-21 11:23:54','2016-04-21 15:23:54','',9989,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-ford-escape-preview-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9992,0,'2016-04-21 11:23:54','2016-04-21 15:23:54','','2013 Ford Escape preview','','inherit','open','closed','','2013-ford-escape-preview-4','','','2016-04-21 11:23:54','2016-04-21 15:23:54','',9989,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-ford-escape-preview-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9993,1,'2014-07-31 04:37:45','2014-07-31 04:37:45','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4.5/5 \nPowertrain Options: 3.0 L Twin Turbo V6 with an 8-Speed Automatic RWD or AWD ','2015 Maserati Ghibli Start Up and Review 3.0 L Twin Turbo V6','','publish','open','open','','2015-maserati-ghibli-start-up-and-review-3-0-l-twin-turbo-v6','','','2014-07-31 04:37:45','2014-07-31 04:37:45','',0,'http://www.l2ocredit.com/2014/07/31/2015-maserati-ghibli-start-up-and-review-3-0-l-twin-turbo-v6/',0,'post','',0),(9994,0,'2016-04-21 11:39:24','2016-04-21 15:39:24','','2015 Maserati Ghibli Start Up and Review 3.0 L Twin Turbo V6','','inherit','open','closed','','2015-maserati-ghibli-start-up-and-review-3-0-l-twin-turbo-v6-2','','','2016-04-21 11:39:24','2016-04-21 15:39:24','',9993,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-maserati-ghibli-start-up-and-review-3-0-l-twin-turbo-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9995,0,'2016-04-21 11:39:24','2016-04-21 15:39:24','','2015 Maserati Ghibli Start Up and Review 3.0 L Twin Turbo V6','','inherit','open','closed','','2015-maserati-ghibli-start-up-and-review-3-0-l-twin-turbo-v6-2','','','2016-04-21 11:39:24','2016-04-21 15:39:24','',9993,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-maserati-ghibli-start-up-and-review-3-0-l-twin-turbo-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9996,0,'2016-04-21 11:39:25','2016-04-21 15:39:25','','2015 Maserati Ghibli Start Up and Review 3.0 L Twin Turbo V6','','inherit','open','closed','','2015-maserati-ghibli-start-up-and-review-3-0-l-twin-turbo-v6-3','','','2016-04-21 11:39:25','2016-04-21 15:39:25','',9993,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-maserati-ghibli-start-up-and-review-3-0-l-twin-turbo-v6-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9997,1,'2014-08-18 11:00:03','2014-08-18 11:00:03','That the Hyundai Genesis has garnered so much attention is no mystery. How the Koreans are able to build a sedan that can nip at the heels of a Mercedes-Benz or Lexus for so little money, however, still has some scratching their heads in wonder. In this video, KBB’s Micah Muzio finds out if prospective Genesis buyers will get what they pay for.  \n\nFor the latest Hyundai Genesis pricing and information:\nhttp://www.kbb.com/hyundai/genesis/2015-hyundai-genesis/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2016 Hyundai Genesis - Review and Road Test','','publish','open','open','','2016-hyundai-genesis-review-and-road-test','','','2014-08-18 11:00:03','2014-08-18 11:00:03','',0,'http://www.l2ocredit.com/2014/08/18/2016-hyundai-genesis-review-and-road-test/',0,'post','',0),(9998,0,'2016-04-21 11:59:03','2016-04-21 15:59:03','','2016 Hyundai Genesis &#8211; Review and Road Test','','inherit','open','closed','','2016-hyundai-genesis-review-and-road-test-2','','','2016-04-21 11:59:03','2016-04-21 15:59:03','',9997,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-hyundai-genesis-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9999,0,'2016-04-21 11:59:03','2016-04-21 15:59:03','','2016 Hyundai Genesis &#8211; Review and Road Test','','inherit','open','closed','','2016-hyundai-genesis-review-and-road-test-2','','','2016-04-21 11:59:03','2016-04-21 15:59:03','',9997,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-hyundai-genesis-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10000,0,'2016-04-21 11:59:04','2016-04-21 15:59:04','','2016 Hyundai Genesis &#8211; Review and Road Test','','inherit','open','closed','','2016-hyundai-genesis-review-and-road-test-3','','','2016-04-21 11:59:04','2016-04-21 15:59:04','',9997,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-hyundai-genesis-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10001,1,'2015-04-01 11:34:46','2015-04-01 11:34:46','Cadillac is now a true luxury brand.\n\nNo automaker wishing to challenge the world’s best can do so without a flagship luxury sedan. With the launch of the CT6, Cadillac has legitimized its claims.\n\nhttp://www.autoguide.com/auto-news/2015/03/2016-cadillac-ct6-flagship-luxury-sedan.html\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Cadillac CT6 - 2015 New York Auto Show','','publish','open','open','','2016-cadillac-ct6-2015-new-york-auto-show-2','','','2015-04-01 11:34:46','2015-04-01 11:34:46','',0,'http://www.l2ocredit.com/2015/04/01/2016-cadillac-ct6-2015-new-york-auto-show-2/',0,'post','',0),(10002,0,'2016-04-21 12:18:49','2016-04-21 16:18:49','','2016 Cadillac CT6 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-cadillac-ct6-2015-new-york-auto-show-4','','','2016-04-21 12:18:49','2016-04-21 16:18:49','',10001,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ct6-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10003,0,'2016-04-21 12:18:49','2016-04-21 16:18:49','','2016 Cadillac CT6 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-cadillac-ct6-2015-new-york-auto-show-5','','','2016-04-21 12:18:49','2016-04-21 16:18:49','',10001,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ct6-2015-new-york-auto-show-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10004,0,'2016-04-21 12:18:51','2016-04-21 16:18:51','','2016 Cadillac CT6 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-cadillac-ct6-2015-new-york-auto-show-6','','','2016-04-21 12:18:51','2016-04-21 16:18:51','',10001,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ct6-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10005,0,'2016-04-21 12:18:51','2016-04-21 16:18:51','','2016 Cadillac CT6 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-cadillac-ct6-2015-new-york-auto-show-6','','','2016-04-21 12:18:51','2016-04-21 16:18:51','',10001,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ct6-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10006,0,'2016-04-21 12:18:51','2016-04-21 16:18:51','','2016 Cadillac CT6 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-cadillac-ct6-2015-new-york-auto-show-6','','','2016-04-21 12:18:51','2016-04-21 16:18:51','',10001,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ct6-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10007,0,'2016-04-21 12:18:54','2016-04-21 16:18:54','','2016 Cadillac CT6 &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-cadillac-ct6-2015-new-york-auto-show-7','','','2016-04-21 12:18:54','2016-04-21 16:18:54','',10001,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ct6-2015-new-york-auto-show-2-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(10008,1,'2013-08-18 23:34:36','2013-08-18 23:34:36','Pebble Beach Concours: Classic Cars to Concept Cars. MotoMan &amp; Mean Gene head to the superbowl of the classic car world, Pebble Beach Concours d\'Elegance. MotoMan meets up with old friends including Nissan &amp; Infiniti Chief Creative Officer, Shiro Nakamura and Hagerty Price Guide publisher, Dave Kinney. Along the way he meets some new friends and checks out new &amp; old Morgans, Porsche, Cadillac, Ferrari and even the Infiniti Emerg-E concept car! If you thought Pebble Beach was just about classic cars -- think again.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','Pebble Beach Concours: Classic Cars to Concept Cars','','publish','open','open','','pebble-beach-concours-classic-cars-to-concept-cars','','','2013-08-18 23:34:36','2013-08-18 23:34:36','',0,'http://www.l2ocredit.com/2013/08/18/pebble-beach-concours-classic-cars-to-concept-cars/',0,'post','',0),(10009,0,'2016-04-21 12:37:32','2016-04-21 16:37:32','','Pebble Beach Concours: Classic Cars to Concept Cars','','inherit','open','closed','','pebble-beach-concours-classic-cars-to-concept-cars-2','','','2016-04-21 12:37:32','2016-04-21 16:37:32','',10008,'http://www.l2ocredit.com/wp-content/uploads/2016/04/pebble-beach-concours-classic-cars-to-concept-cars-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10010,0,'2016-04-21 12:37:32','2016-04-21 16:37:32','','Pebble Beach Concours: Classic Cars to Concept Cars','','inherit','open','closed','','pebble-beach-concours-classic-cars-to-concept-cars-3','','','2016-04-21 12:37:32','2016-04-21 16:37:32','',10008,'http://www.l2ocredit.com/wp-content/uploads/2016/04/pebble-beach-concours-classic-cars-to-concept-cars-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10011,1,'2016-04-21 11:30:07','2016-04-21 15:30:07','<p class=\"p1\"><strong>Q:</strong> Can an aunt, uncle or grandparent open an RRSP or RESP for a grandchild, niece or nephew as a gift?</p>\n<p class=\"p2\"><span class=\"s1\"><i>—Elizabeth Adolph, Lillooet, B.C.</i></span></p>\n<p class=\"p4\"><strong>A:</strong> The acronyms “RRSP” and “RESP” may differ by only one letter, but the plans themselves are very different. The RRSP is for retirement savings and you cannot open one for a child. That’s because RRSP contribution room is based on a person’s earned income. Once she has some, she’ll file a tax return and start building that RRSP room, but you can’t do it for her.<span class=\"Apple-converted-space\">  </span>However, you certainly can open up an RESP for a child’s education savings, whether they are related to you or not. Your gift will qualify for the Canada Education Savings Grant, which amounts to 20% of the first $2,500 you contribute, up to $500 each year. I’d recommend that you coordinate with the parents as there is a limit on total contributions of $50,000 and if you go over that amount you’ll face a penalty. The parents may also have other more immediate financial needs that would benefit the child, such as helping to pay for activities or tutoring.</p>\n<p class=\"p4\"><em>Bruce Sellery is a frequent guest on financial television shows and author of Moolala. Do you have your own personal finance question? Write to us at <a href=\"mailto:ask@moneysense.ca\">ask@moneysense.ca</a></em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/columns/ask-moneysense/contributing-to-rrsp-vs-resp/\">Should I buy my grandkid an RRSP or RESP?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should I buy my grandkid an RRSP or RESP?','<p>There\'s a big difference. Here\'s what you need to know</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/columns/ask-moneysense/contributing-to-rrsp-vs-resp/\">Should I buy my grandkid an RRSP or RESP?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 11:30:07','2016-04-21 15:30:07','',0,'http://www.moneysense.ca/?p=153364',0,'post','',0),(10012,1,'2016-04-21 11:30:07','2016-04-21 15:30:07','<p class=\"p1\"><strong>Q:</strong> Can an aunt, uncle or grandparent open an RRSP or RESP for a grandchild, niece or nephew as a gift?</p>\n<p class=\"p2\"><span class=\"s1\"><i>—Elizabeth Adolph, Lillooet, B.C.</i></span></p>\n<p class=\"p4\"><strong>A:</strong> The acronyms “RRSP” and “RESP” may differ by only one letter, but the plans themselves are very different. The RRSP is for retirement savings and you cannot open one for a child. That’s because RRSP contribution room is based on a person’s earned income. Once she has some, she’ll file a tax return and start building that RRSP room, but you can’t do it for her.<span class=\"Apple-converted-space\">  </span>However, you certainly can open up an RESP for a child’s education savings, whether they are related to you or not. Your gift will qualify for the Canada Education Savings Grant, which amounts to 20% of the first $2,500 you contribute, up to $500 each year. I’d recommend that you coordinate with the parents as there is a limit on total contributions of $50,000 and if you go over that amount you’ll face a penalty. The parents may also have other more immediate financial needs that would benefit the child, such as helping to pay for activities or tutoring.</p>\n<p class=\"p4\"><em>Bruce Sellery is a frequent guest on financial television shows and author of Moolala. Do you have your own personal finance question? Write to us at <a href=\"mailto:ask@moneysense.ca\">ask@moneysense.ca</a></em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/columns/ask-moneysense/contributing-to-rrsp-vs-resp/\">Should I buy my grandkid an RRSP or RESP?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should I buy my grandkid an RRSP or RESP?','<p>There\'s a big difference. Here\'s what you need to know</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/columns/ask-moneysense/contributing-to-rrsp-vs-resp/\">Should I buy my grandkid an RRSP or RESP?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10011-revision-v1','','','2016-04-21 11:30:07','2016-04-21 15:30:07','',10011,'http://feedwordpress.radgeek.com/?rev=fcb9350f0c96539bc344b5ee10decc15',0,'revision','',0),(10013,1,'2016-04-21 11:30:07','2016-04-21 15:30:07','<p class=\"p1\"><strong>Q:</strong> Can an aunt, uncle or grandparent open an RRSP or RESP for a grandchild, niece or nephew as a gift?</p>\n<p class=\"p2\"><span class=\"s1\"><i>—Elizabeth Adolph, Lillooet, B.C.</i></span></p>\n<p class=\"p4\"><strong>A:</strong> The acronyms “RRSP” and “RESP” may differ by only one letter, but the plans themselves are very different. The RRSP is for retirement savings and you cannot open one for a child. That’s because RRSP contribution room is based on a person’s earned income. Once she has some, she’ll file a tax return and start building that RRSP room, but you can’t do it for her.<span class=\"Apple-converted-space\">  </span>However, you certainly can open up an RESP for a child’s education savings, whether they are related to you or not. Your gift will qualify for the Canada Education Savings Grant, which amounts to 20% of the first $2,500 you contribute, up to $500 each year. I’d recommend that you coordinate with the parents as there is a limit on total contributions of $50,000 and if you go over that amount you’ll face a penalty. The parents may also have other more immediate financial needs that would benefit the child, such as helping to pay for activities or tutoring.</p>\n<p class=\"p4\"><em>Bruce Sellery is a frequent guest on financial television shows and author of Moolala. Do you have your own personal finance question? Write to us at <a href=\"mailto:ask@moneysense.ca\">ask@moneysense.ca</a></em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/columns/ask-moneysense/contributing-to-rrsp-vs-resp/\">Should I buy my grandkid an RRSP or RESP?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should I buy my grandkid an RRSP or RESP?','<p>There\'s a big difference. Here\'s what you need to know</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/columns/ask-moneysense/contributing-to-rrsp-vs-resp/\">Should I buy my grandkid an RRSP or RESP?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10011-revision-v1','','','2016-04-21 11:30:07','2016-04-21 15:30:07','',10011,'http://feedwordpress.radgeek.com/?rev=fcb9350f0c96539bc344b5ee10decc15',0,'revision','',0),(10014,1,'2014-06-21 02:20:15','2014-06-21 02:20:15','In this video I take a look at the JBL speaker system and navigation system in the 2014 Toyota Sienna Limited. If you\'re looking for Toyota\'s latest Entune system review, click here: http://www.youtube.com/watch?v=2zoTauv15ZM That system can be found in the Sienna but the JBL speaker package and Entune are mutually exclusive at this time.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 Toyota Sienna JBL Infotainment Review','','publish','open','open','','2014-toyota-sienna-jbl-infotainment-review','','','2014-06-21 02:20:15','2014-06-21 02:20:15','',0,'http://www.l2ocredit.com/2014/06/21/2014-toyota-sienna-jbl-infotainment-review/',0,'post','',0),(10015,0,'2016-04-21 12:59:11','2016-04-21 16:59:11','','2014 Toyota Sienna JBL Infotainment Review','','inherit','open','closed','','2014-toyota-sienna-jbl-infotainment-review-2','','','2016-04-21 12:59:11','2016-04-21 16:59:11','',10014,'http://www.l2ocredit.com/2014/06/21/2014-toyota-sienna-jbl-infotainment-review/2014-toyota-sienna-jbl-infotainment-review-2/',0,'attachment','image/jpeg',0),(10016,1,'2016-04-21 13:48:50','2016-04-21 17:48:50','<p>While mutual funds will continue to coexist with exchange-traded funds, growth of ETFs has far surpassed the older industry since the financial crisis of 2008-2009, experts told the Exchange Traded Forum 2016 in Toronto this week.</p>\n<p>In a keynote talk, Dave Nadig, ETF director for FactSet Research Systems Inc. of Norwalk, CT, said that since the financial crisis, “all the assets are effectively flowing into ETFs, most of them to Vanguard.”  Over that time, net mutual fund inflows were US$61 billion, compared to a whopping US$1.2 trillion for ETFs.</p>\n<p>The growth rate for ETFs on both sides of the border resembles the classic hockey stick curve, and is just starting in Canada, Nadig said. “It’s the classic standard adoption model and has just ticked right along every year except 2008. It’s right on target. This tells us we will have a US$22 trillion market by 2024, surpassing the global retail mutual fund business.”</p>\n<p>Why? The ETF industry is hitting on all major cylinders for global adoption. It’s the right product for new money, Nadig said, making it increasingly the choice of the millennial generation. “There’s not a lot of growth poaching 70-year-olds’ accounts.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Learn how to build a smarter portfolio » </a></p>\n<p>One recent U.S. survey found that for the first time, 81% of financial advisors were recommending ETFs, surpassing mutual funds for the first time ever.  “Indexing is winning and people just realize it more and more.”</p>\n<p>Still, there are clouds on this seemingly sunny ETF landscape, some of which could start to appear later this year, Nadig warned. The sheer popularity of ETFs is making regulators nervous, especially about the more controversial leveraged and inverse ETFs that are often popular with hedge funds and sophisticated institutional investors.</p>\n<p>Nadig said double-long leveraged ETFs will probably continue to exist (these produce twice the returns than a normal long ETF in rising markets, but amplify losses in declining markets). However, he believes reverse double long products may be retrenched to a reverse leverage factor of just 1.5 times. Triple long and triple inverse ETFs could disappear completely, he warned, although “Only hedge funds will lose sleep over this.”</p>\n<p>Senior Bloomberg ETF analyst Eric Balchunas presented ten “mind-blowing” ETF statistics, the first of which was that the dollar volume of ETF trades in the U.S. each year is US$19 trillion, surpassing the US$18 trillion American gross domestic product.  But the rise of passive investing has also meant a 70% cut in revenue for the financial industry as a whole, since “active funds produce much higher fees.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Get the tools you need to Invest for Success » </a></p>\n<p>As the trend cuts into the traditional active management business, “the financial industry is having its Napster moment,” Balchunas said, making an analogy to how free music file-sharing savaged the music industry. Another supposedly mind-blowing fact is that “The top five largest funds in the world are all passive.” Four are from the Vanguard Group, the other is the SPDR S&amp;P500 ETF Trust.</p>\n<p>This revenue decline is “a bit scary,” he said, but the rapidly growing pie is masking the drop in overall revenue. The industry is now launching four new ETF products every day: 1,004 were released worldwide last year over the course of 250 business days. So-called “Smart beta” products accounted for more than half of those launches and now account for more than 20% of industry assets.</p>\n<p>Another problem is that as these products become more complicated they require more due diligence. An entire panel session on the second day of the conference was devoted to the rise of ETF strategists that a growing number of advisers are now using.</p>\n<p><a href=\"http://www.moneysense.ca/invest/etfs/the-best-etfs-for-2016/\">ETF All-Stars for 2016 » </a></p>\n<p>National Bank Financial ETF research head Daniel Strauss told the audience on the second day that “there’s no sign of the industry plateauing.” The Canadian ETF market has grown from three funds and $6.6 billion in assets 15 years ago to 428 funds and $95 billion today, an annual growth rate of 20%. The U.S. now has 1,866 ETFs holding US$2.2 trillion.</p>\n<p>Even so, Strauss said he doesn’t believe ETFs are eating the lunch of the mutual fund industry. “The mutual fund industry is still growing at a rapid clip,” with a 10 year compounded growth rate of 7%.</p>\n<p>If anything, the two industries may be converging, as we see mutual fund wraps using ETFs as the underlying investments and of course we are also seeing some mutual fund companies hedging their bets by buying into some ETF manufacturers.</p>\n<p>If you can’t beat them, join them!</p>\n<p><em>Jonathan Chevreau is the founder of the Financial Independence Hub and can be reached at jonathan@findependencehub.com </em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Why ETFs are growing in popularity</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why ETFs are growing in popularity','<p>But there may be clouds on the sunny ETF horizon</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Why ETFs are growing in popularity</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 13:48:50','2016-04-21 17:48:50','',0,'http://www.moneysense.ca/?p=153382',0,'post','',0),(10017,1,'2016-04-21 13:48:50','2016-04-21 17:48:50','<p>While mutual funds will continue to coexist with exchange-traded funds, growth of ETFs has far surpassed the older industry since the financial crisis of 2008-2009, experts told the Exchange Traded Forum 2016 in Toronto this week.</p>\n<p>In a keynote talk, Dave Nadig, ETF director for FactSet Research Systems Inc. of Norwalk, CT, said that since the financial crisis, “all the assets are effectively flowing into ETFs, most of them to Vanguard.”  Over that time, net mutual fund inflows were US$61 billion, compared to a whopping US$1.2 trillion for ETFs.</p>\n<p>The growth rate for ETFs on both sides of the border resembles the classic hockey stick curve, and is just starting in Canada, Nadig said. “It’s the classic standard adoption model and has just ticked right along every year except 2008. It’s right on target. This tells us we will have a US$22 trillion market by 2024, surpassing the global retail mutual fund business.”</p>\n<p>Why? The ETF industry is hitting on all major cylinders for global adoption. It’s the right product for new money, Nadig said, making it increasingly the choice of the millennial generation. “There’s not a lot of growth poaching 70-year-olds’ accounts.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Learn how to build a smarter portfolio » </a></p>\n<p>One recent U.S. survey found that for the first time, 81% of financial advisors were recommending ETFs, surpassing mutual funds for the first time ever.  “Indexing is winning and people just realize it more and more.”</p>\n<p>Still, there are clouds on this seemingly sunny ETF landscape, some of which could start to appear later this year, Nadig warned. The sheer popularity of ETFs is making regulators nervous, especially about the more controversial leveraged and inverse ETFs that are often popular with hedge funds and sophisticated institutional investors.</p>\n<p>Nadig said double-long leveraged ETFs will probably continue to exist (these produce twice the returns than a normal long ETF in rising markets, but amplify losses in declining markets). However, he believes reverse double long products may be retrenched to a reverse leverage factor of just 1.5 times. Triple long and triple inverse ETFs could disappear completely, he warned, although “Only hedge funds will lose sleep over this.”</p>\n<p>Senior Bloomberg ETF analyst Eric Balchunas presented ten “mind-blowing” ETF statistics, the first of which was that the dollar volume of ETF trades in the U.S. each year is US$19 trillion, surpassing the US$18 trillion American gross domestic product.  But the rise of passive investing has also meant a 70% cut in revenue for the financial industry as a whole, since “active funds produce much higher fees.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Get the tools you need to Invest for Success » </a></p>\n<p>As the trend cuts into the traditional active management business, “the financial industry is having its Napster moment,” Balchunas said, making an analogy to how free music file-sharing savaged the music industry. Another supposedly mind-blowing fact is that “The top five largest funds in the world are all passive.” Four are from the Vanguard Group, the other is the SPDR S&amp;P500 ETF Trust.</p>\n<p>This revenue decline is “a bit scary,” he said, but the rapidly growing pie is masking the drop in overall revenue. The industry is now launching four new ETF products every day: 1,004 were released worldwide last year over the course of 250 business days. So-called “Smart beta” products accounted for more than half of those launches and now account for more than 20% of industry assets.</p>\n<p>Another problem is that as these products become more complicated they require more due diligence. An entire panel session on the second day of the conference was devoted to the rise of ETF strategists that a growing number of advisers are now using.</p>\n<p><a href=\"http://www.moneysense.ca/invest/etfs/the-best-etfs-for-2016/\">ETF All-Stars for 2016 » </a></p>\n<p>National Bank Financial ETF research head Daniel Strauss told the audience on the second day that “there’s no sign of the industry plateauing.” The Canadian ETF market has grown from three funds and $6.6 billion in assets 15 years ago to 428 funds and $95 billion today, an annual growth rate of 20%. The U.S. now has 1,866 ETFs holding US$2.2 trillion.</p>\n<p>Even so, Strauss said he doesn’t believe ETFs are eating the lunch of the mutual fund industry. “The mutual fund industry is still growing at a rapid clip,” with a 10 year compounded growth rate of 7%.</p>\n<p>If anything, the two industries may be converging, as we see mutual fund wraps using ETFs as the underlying investments and of course we are also seeing some mutual fund companies hedging their bets by buying into some ETF manufacturers.</p>\n<p>If you can’t beat them, join them!</p>\n<p><em>Jonathan Chevreau is the founder of the Financial Independence Hub and can be reached at jonathan@findependencehub.com </em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Why ETFs are growing in popularity</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why ETFs are growing in popularity','<p>But there may be clouds on the sunny ETF horizon</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Why ETFs are growing in popularity</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 13:48:50','2016-04-21 17:48:50','',0,'http://www.moneysense.ca/?p=153382',0,'post','',0),(10018,1,'2016-04-21 13:48:50','2016-04-21 17:48:50','<p>While mutual funds will continue to coexist with exchange-traded funds, growth of ETFs has far surpassed the older industry since the financial crisis of 2008-2009, experts told the Exchange Traded Forum 2016 in Toronto this week.</p>\n<p>In a keynote talk, Dave Nadig, ETF director for FactSet Research Systems Inc. of Norwalk, CT, said that since the financial crisis, “all the assets are effectively flowing into ETFs, most of them to Vanguard.”  Over that time, net mutual fund inflows were US$61 billion, compared to a whopping US$1.2 trillion for ETFs.</p>\n<p>The growth rate for ETFs on both sides of the border resembles the classic hockey stick curve, and is just starting in Canada, Nadig said. “It’s the classic standard adoption model and has just ticked right along every year except 2008. It’s right on target. This tells us we will have a US$22 trillion market by 2024, surpassing the global retail mutual fund business.”</p>\n<p>Why? The ETF industry is hitting on all major cylinders for global adoption. It’s the right product for new money, Nadig said, making it increasingly the choice of the millennial generation. “There’s not a lot of growth poaching 70-year-olds’ accounts.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Learn how to build a smarter portfolio » </a></p>\n<p>One recent U.S. survey found that for the first time, 81% of financial advisors were recommending ETFs, surpassing mutual funds for the first time ever.  “Indexing is winning and people just realize it more and more.”</p>\n<p>Still, there are clouds on this seemingly sunny ETF landscape, some of which could start to appear later this year, Nadig warned. The sheer popularity of ETFs is making regulators nervous, especially about the more controversial leveraged and inverse ETFs that are often popular with hedge funds and sophisticated institutional investors.</p>\n<p>Nadig said double-long leveraged ETFs will probably continue to exist (these produce twice the returns than a normal long ETF in rising markets, but amplify losses in declining markets). However, he believes reverse double long products may be retrenched to a reverse leverage factor of just 1.5 times. Triple long and triple inverse ETFs could disappear completely, he warned, although “Only hedge funds will lose sleep over this.”</p>\n<p>Senior Bloomberg ETF analyst Eric Balchunas presented ten “mind-blowing” ETF statistics, the first of which was that the dollar volume of ETF trades in the U.S. each year is US$19 trillion, surpassing the US$18 trillion American gross domestic product.  But the rise of passive investing has also meant a 70% cut in revenue for the financial industry as a whole, since “active funds produce much higher fees.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Get the tools you need to Invest for Success » </a></p>\n<p>As the trend cuts into the traditional active management business, “the financial industry is having its Napster moment,” Balchunas said, making an analogy to how free music file-sharing savaged the music industry. Another supposedly mind-blowing fact is that “The top five largest funds in the world are all passive.” Four are from the Vanguard Group, the other is the SPDR S&amp;P500 ETF Trust.</p>\n<p>This revenue decline is “a bit scary,” he said, but the rapidly growing pie is masking the drop in overall revenue. The industry is now launching four new ETF products every day: 1,004 were released worldwide last year over the course of 250 business days. So-called “Smart beta” products accounted for more than half of those launches and now account for more than 20% of industry assets.</p>\n<p>Another problem is that as these products become more complicated they require more due diligence. An entire panel session on the second day of the conference was devoted to the rise of ETF strategists that a growing number of advisers are now using.</p>\n<p><a href=\"http://www.moneysense.ca/invest/etfs/the-best-etfs-for-2016/\">ETF All-Stars for 2016 » </a></p>\n<p>National Bank Financial ETF research head Daniel Strauss told the audience on the second day that “there’s no sign of the industry plateauing.” The Canadian ETF market has grown from three funds and $6.6 billion in assets 15 years ago to 428 funds and $95 billion today, an annual growth rate of 20%. The U.S. now has 1,866 ETFs holding US$2.2 trillion.</p>\n<p>Even so, Strauss said he doesn’t believe ETFs are eating the lunch of the mutual fund industry. “The mutual fund industry is still growing at a rapid clip,” with a 10 year compounded growth rate of 7%.</p>\n<p>If anything, the two industries may be converging, as we see mutual fund wraps using ETFs as the underlying investments and of course we are also seeing some mutual fund companies hedging their bets by buying into some ETF manufacturers.</p>\n<p>If you can’t beat them, join them!</p>\n<p><em>Jonathan Chevreau is the founder of the Financial Independence Hub and can be reached at jonathan@findependencehub.com </em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Why ETFs are growing in popularity</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why ETFs are growing in popularity','<p>But there may be clouds on the sunny ETF horizon</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Why ETFs are growing in popularity</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10016-revision-v1','','','2016-04-21 13:48:50','2016-04-21 17:48:50','',10016,'http://feedwordpress.radgeek.com/?rev=a9291df0eef0866fa582a07d8ec6120e',0,'revision','',0),(10019,1,'2016-04-21 13:48:50','2016-04-21 17:48:50','<p>While mutual funds will continue to coexist with exchange-traded funds, growth of ETFs has far surpassed the older industry since the financial crisis of 2008-2009, experts told the Exchange Traded Forum 2016 in Toronto this week.</p>\n<p>In a keynote talk, Dave Nadig, ETF director for FactSet Research Systems Inc. of Norwalk, CT, said that since the financial crisis, “all the assets are effectively flowing into ETFs, most of them to Vanguard.”  Over that time, net mutual fund inflows were US$61 billion, compared to a whopping US$1.2 trillion for ETFs.</p>\n<p>The growth rate for ETFs on both sides of the border resembles the classic hockey stick curve, and is just starting in Canada, Nadig said. “It’s the classic standard adoption model and has just ticked right along every year except 2008. It’s right on target. This tells us we will have a US$22 trillion market by 2024, surpassing the global retail mutual fund business.”</p>\n<p>Why? The ETF industry is hitting on all major cylinders for global adoption. It’s the right product for new money, Nadig said, making it increasingly the choice of the millennial generation. “There’s not a lot of growth poaching 70-year-olds’ accounts.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Learn how to build a smarter portfolio » </a></p>\n<p>One recent U.S. survey found that for the first time, 81% of financial advisors were recommending ETFs, surpassing mutual funds for the first time ever.  “Indexing is winning and people just realize it more and more.”</p>\n<p>Still, there are clouds on this seemingly sunny ETF landscape, some of which could start to appear later this year, Nadig warned. The sheer popularity of ETFs is making regulators nervous, especially about the more controversial leveraged and inverse ETFs that are often popular with hedge funds and sophisticated institutional investors.</p>\n<p>Nadig said double-long leveraged ETFs will probably continue to exist (these produce twice the returns than a normal long ETF in rising markets, but amplify losses in declining markets). However, he believes reverse double long products may be retrenched to a reverse leverage factor of just 1.5 times. Triple long and triple inverse ETFs could disappear completely, he warned, although “Only hedge funds will lose sleep over this.”</p>\n<p>Senior Bloomberg ETF analyst Eric Balchunas presented ten “mind-blowing” ETF statistics, the first of which was that the dollar volume of ETF trades in the U.S. each year is US$19 trillion, surpassing the US$18 trillion American gross domestic product.  But the rise of passive investing has also meant a 70% cut in revenue for the financial industry as a whole, since “active funds produce much higher fees.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Get the tools you need to Invest for Success » </a></p>\n<p>As the trend cuts into the traditional active management business, “the financial industry is having its Napster moment,” Balchunas said, making an analogy to how free music file-sharing savaged the music industry. Another supposedly mind-blowing fact is that “The top five largest funds in the world are all passive.” Four are from the Vanguard Group, the other is the SPDR S&amp;P500 ETF Trust.</p>\n<p>This revenue decline is “a bit scary,” he said, but the rapidly growing pie is masking the drop in overall revenue. The industry is now launching four new ETF products every day: 1,004 were released worldwide last year over the course of 250 business days. So-called “Smart beta” products accounted for more than half of those launches and now account for more than 20% of industry assets.</p>\n<p>Another problem is that as these products become more complicated they require more due diligence. An entire panel session on the second day of the conference was devoted to the rise of ETF strategists that a growing number of advisers are now using.</p>\n<p><a href=\"http://www.moneysense.ca/invest/etfs/the-best-etfs-for-2016/\">ETF All-Stars for 2016 » </a></p>\n<p>National Bank Financial ETF research head Daniel Strauss told the audience on the second day that “there’s no sign of the industry plateauing.” The Canadian ETF market has grown from three funds and $6.6 billion in assets 15 years ago to 428 funds and $95 billion today, an annual growth rate of 20%. The U.S. now has 1,866 ETFs holding US$2.2 trillion.</p>\n<p>Even so, Strauss said he doesn’t believe ETFs are eating the lunch of the mutual fund industry. “The mutual fund industry is still growing at a rapid clip,” with a 10 year compounded growth rate of 7%.</p>\n<p>If anything, the two industries may be converging, as we see mutual fund wraps using ETFs as the underlying investments and of course we are also seeing some mutual fund companies hedging their bets by buying into some ETF manufacturers.</p>\n<p>If you can’t beat them, join them!</p>\n<p><em>Jonathan Chevreau is the founder of the Financial Independence Hub and can be reached at jonathan@findependencehub.com </em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Why ETFs are growing in popularity</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why ETFs are growing in popularity','<p>But there may be clouds on the sunny ETF horizon</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Why ETFs are growing in popularity</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10017-revision-v1','','','2016-04-21 13:48:50','2016-04-21 17:48:50','',10017,'http://feedwordpress.radgeek.com/?rev=a9291df0eef0866fa582a07d8ec6120e',0,'revision','',0),(10020,1,'2016-04-20 09:01:38','2016-04-20 13:01:38','<p>Do you plan on redecorating your bedroom but have a small budget? A New York home design expert offers tips and tricks for creating a dramatic transformation in your bedroom using only a $300 decorating budget.</p>\n\n        <meta itemprop=\"duration\" content=\"PT4M\" />\n        <meta itemprop=\"thumbnailUrl\" content=\"http://www.moneysense.ca/wp-content/uploads/2015/12/White-bedroom-floor-attic-150x150.jpg\" />\n        <meta itemprop=\"name\" content=\"How to stage a bedroom on a $300 budget\" />\n        <meta itemprop=\"description\" content=\"Add drama and style to your bedroom with these tips from a New York designer\" />\n        <meta itemprop=\"uploadDate\" content=\"2016-04-20T09:01:38+00:00\" />\n    \n    <div style=\"display: none;\"></div>\n\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\"></script>\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\"></script>\n\n    <object id=\"myExperience4596389599001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"4596389599001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\" />\n        <param name=\"autoStart\" value=\"true\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\" >Ask Home Owner columnist Romana King your real estate question »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to stage a bedroom on a $300 budget','<p>Add drama and style to your bedroom with these tips from a New York designer</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9738-revision-v1','','','2016-04-20 09:01:38','2016-04-20 13:01:38','',9738,'http://feedwordpress.radgeek.com/?rev=c79251e18a39de27e01079466b92c7fe',0,'revision','',0),(10021,1,'2016-04-20 09:01:38','2016-04-20 13:01:38','<p>Do you plan on redecorating your bedroom but have a small budget? 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»</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to stage a bedroom on a $300 budget','<p>Add drama and style to your bedroom with these tips from a New York designer</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9738-revision-v1','','','2016-04-20 09:01:38','2016-04-20 13:01:38','',9738,'http://feedwordpress.radgeek.com/?rev=c79251e18a39de27e01079466b92c7fe',0,'revision','',0),(10022,1,'2011-11-18 04:28:34','2011-11-18 04:28:34','If you love muscle cars and especially like the Camaro, this GM video on the areodynamic  development will get your heart racing for this 580hp ZL 1\nfrom www.motormouth.ca','2012 Camaro ZL 1','','publish','open','open','','2012-camaro-zl-1','','','2011-11-18 04:28:34','2011-11-18 04:28:34','',0,'http://www.l2ocredit.com/2011/11/18/2012-camaro-zl-1/',0,'post','',0),(10023,0,'2016-04-21 13:58:30','2016-04-21 17:58:30','','2012 Camaro ZL 1','','inherit','open','closed','','2012-camaro-zl-1-2','','','2016-04-21 13:58:30','2016-04-21 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17:58:31','',10022,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-camaro-zl-1-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(10030,0,'2016-04-21 13:58:31','2016-04-21 17:58:31','','2012 Camaro ZL 1','','inherit','open','closed','','2012-camaro-zl-1-7','','','2016-04-21 13:58:31','2016-04-21 17:58:31','',10022,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-camaro-zl-1-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(10031,1,'2014-07-30 10:04:28','2014-07-30 10:04:28','Just a little test drive and overview of my car.\nNOTE: This video is just a fun video and not an official car review or automotive related news video, so please no NEGATIVE comments on Video/Picture Quality \nDaytime Clip: https://www.youtube.com/watch?v=h_6GvnD70-A&amp;feature=youtu.be','Start Up and Test Drive of Cam\'s Personal Car- 2012 Toyota Camry Part 1','','publish','open','open','','start-up-and-test-drive-of-cams-personal-car-2012-toyota-camry-part-1','','','2014-07-30 10:04:28','2014-07-30 10:04:28','',0,'http://www.l2ocredit.com/2014/07/30/start-up-and-test-drive-of-cams-personal-car-2012-toyota-camry-part-1/',0,'post','',0),(10032,0,'2016-04-21 14:14:23','2016-04-21 18:14:23','','Start Up and Test Drive of Cam&#8217;s Personal Car- 2012 Toyota Camry Part 1','','inherit','open','closed','','start-up-and-test-drive-of-cams-personal-car-2012-toyota-camry-part-1-2','','','2016-04-21 14:14:23','2016-04-21 18:14:23','',10031,'http://www.l2ocredit.com/2014/07/30/start-up-and-test-drive-of-cams-personal-car-2012-toyota-camry-part-1/start-up-and-test-drive-of-cams-personal-car-2012-toyota-camry-part-1-2/',0,'attachment','image/jpeg',0),(10033,1,'2015-04-01 11:00:34','2015-04-01 11:00:34','Moving into the modern era the second generation XF is based on an aluminum intensive architecture and weighs as much as 265 lbs less than the previous model. \n\nhttp://www.autoguide.com/auto-news/2015/03/2016-jaguar-xf-is-light-on-weight-heavy-on-tech.html\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Jaguar XF First Look - 2015 New York Auto Show','','publish','open','open','','2016-jaguar-xf-first-look-2015-new-york-auto-show','','','2015-04-01 11:00:34','2015-04-01 11:00:34','',0,'http://www.l2ocredit.com/2015/04/01/2016-jaguar-xf-first-look-2015-new-york-auto-show/',0,'post','',0),(10034,0,'2016-04-21 15:09:00','2016-04-21 19:09:00','','2016 Jaguar XF First Look &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-jaguar-xf-first-look-2015-new-york-auto-show-2','','','2016-04-21 15:09:00','2016-04-21 19:09:00','',10033,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-jaguar-xf-first-look-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10035,0,'2016-04-21 15:09:01','2016-04-21 19:09:01','','2016 Jaguar XF First Look &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-jaguar-xf-first-look-2015-new-york-auto-show-3','','','2016-04-21 15:09:01','2016-04-21 19:09:01','',10033,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-jaguar-xf-first-look-2015-new-york-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10036,0,'2016-04-21 15:09:01','2016-04-21 19:09:01','','2016 Jaguar XF First Look &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-jaguar-xf-first-look-2015-new-york-auto-show-3','','','2016-04-21 15:09:01','2016-04-21 19:09:01','',10033,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-jaguar-xf-first-look-2015-new-york-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10037,0,'2016-04-21 15:09:01','2016-04-21 19:09:01','','2016 Jaguar XF First Look &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-jaguar-xf-first-look-2015-new-york-auto-show-4','','','2016-04-21 15:09:01','2016-04-21 19:09:01','',10033,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-jaguar-xf-first-look-2015-new-york-auto-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10038,1,'2016-04-21 15:15:56','2016-04-21 19:15:56','<div id=\"attachment_153436\" style=\"width: 810px\" class=\"wp-caption alignnone\"><img class=\"size-full wp-image-153436\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic.png\" alt=\"(Illustration by Aleksandar Savić)\" width=\"800\" height=\"686\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic-300x257.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic-768x659.png 768w, http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic-660x566.png 660w, http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic.png 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" /><p class=\"wp-caption-text\">(Illustration by Aleksandar Savić)</p></div>\n<p>The past couple of years have demonstrated that opportunity doesn’t just knock; sometimes it calls long distance. Alberta famously drew job searchers from across Canada for years, before the latest downturn in the oilpatch made the other provinces competitive again.</p>\n<p>Even so, less than half of Canadians would even consider relocating for a job, according to a recent survey for the Canadian Employee Relocation Council (CERC). Canadian workers are notoriously difficult to move, in part because the country’s massive size makes the logistics such a pain. Even with a 10% raise, only 10% of people would move immediately, CERC found. But if you’re even open to the idea of resettling elsewhere for work, congratulations! You’ve got the upper hand.</p>\n<p>“Most companies have a relocation policy and will provide assistance in many areas,” explains Stephen Cryne, president of CERC. It costs the average Canadian homeowner $53,500 to relocate—a very large sum to waste if they decide to move back in a year. “Any excitement to move will soon wane if the right support’s not in place,” says Cryne.</p>\n<p>When he’s not moving employees himself, Alberta-based HR president Bruce Baker has relocated twice in this lifetime: First from South Africa to Toronto in 2001, then from Toronto to Edmonton in 2005. Guess which move was harder? “When you’re brand new, you’re expecting everything to be different and taking things as they come,” says the president of HR All-In Inc. “Once you’re already settled in, you’re more aware of everything that needs to be done.”</p>\n<p><a href=\"http://www.canadianbusiness.com/lists-and-rankings/best-jobs/2016-top-25-jobs-in-canada/\" >The top 25 jobs in Canada »</a></p>\n<p>For the record, a quick list of things that need to be done: Sell or rent your current house, find your new home, squat in temporary accommodation in between, pack and move, close out old utilities, set-up new utilities, update your health insurance and driver’s license, ditto with banking and vehicle registration, deliver said vehicle to new location, ensure spouse and children have jobs and school/daycare placements, find childcare in between if necessary, settle everyone in. And of course, you’ll be starting a new job the whole time.</p>\n<p>If you’re switching companies, be sure to negotiate your moving package in advance. “There will be provisions for moving, housing, even ‘miscellaneous,’” says Cryne, noting moving-related expenses like babysitting, van rentals, flights and more.“Depending on your seniority and how valuable you are to the organization,” says Cryne, “you can absolutely negotiate all of these.” If your company can’t sweeten your move financially, by all means ask about flextime, additional vacation days or just regular old time off to make the transition smoother.</p>\n<p>Take it from Baker, who completed his 2005 move from Toronto to Edmonton with a four-week-old in tow—do not cheap out on perks. “Make sure you structure a concierge-type moving service into the deal,” he suggests. Destination services companies can help, such as WelcomeHome Relocations of Stouffville, Ont., which has 60 locations across Canada. “We’re the end-of-the-line piece of a relocation,” says president Judy McDougall. “We help people find places to live, get familiar and get settled in.” These kinds of companies help set up bank accounts, health insurance and driver’s licences, as well as register children for schools (they’ll even find you a local hockey team) and introduce families to new neighbours. “Lots of people think moving’s easy and that they can do it all themselves,” says McDougall. “Some can, but it’s much more difficult without any customized help.”</p>\n<h4 style=\"text-align: center;\"><em><a href=\"http://www.canadianbusiness.com/lists-and-rankings/best-jobs/2016-top-25-jobs-in-canada/\" >This article was originally published on Canadian Business. Head there for more on Canada&#8217;s Best Jobs</a> </em></h4>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/earn/careers/how-to-handle-a-long-distance-move-when-changing-jobs/\">Ace a long-distance move when changing jobs</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Ace a long-distance move when changing jobs','<p>Relocating across the country for a job can be a great opportunity&mdash;and a huge headache. Here&rsquo;s how to get there in style</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/earn/careers/how-to-handle-a-long-distance-move-when-changing-jobs/\">Ace a long-distance move when changing jobs</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 15:15:56','2016-04-21 19:15:56','',0,'http://www.moneysense.ca/?p=153428',0,'post','',0),(10039,1,'2016-04-21 15:15:56','2016-04-21 19:15:56','<div id=\"attachment_153436\" style=\"width: 810px\" class=\"wp-caption alignnone\"><img class=\"size-full wp-image-153436\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic.png\" alt=\"(Illustration by Aleksandar Savić)\" width=\"800\" height=\"686\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic-300x257.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic-768x659.png 768w, http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic-660x566.png 660w, http://www.moneysense.ca/wp-content/uploads/2016/04/V2canada-best-jobs-2016-moving-for-jobs-BY-aleksandar-savic.png 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" /><p class=\"wp-caption-text\">(Illustration by Aleksandar Savić)</p></div>\n<p>The past couple of years have demonstrated that opportunity doesn’t just knock; sometimes it calls long distance. Alberta famously drew job searchers from across Canada for years, before the latest downturn in the oilpatch made the other provinces competitive again.</p>\n<p>Even so, less than half of Canadians would even consider relocating for a job, according to a recent survey for the Canadian Employee Relocation Council (CERC). Canadian workers are notoriously difficult to move, in part because the country’s massive size makes the logistics such a pain. Even with a 10% raise, only 10% of people would move immediately, CERC found. But if you’re even open to the idea of resettling elsewhere for work, congratulations! You’ve got the upper hand.</p>\n<p>“Most companies have a relocation policy and will provide assistance in many areas,” explains Stephen Cryne, president of CERC. It costs the average Canadian homeowner $53,500 to relocate—a very large sum to waste if they decide to move back in a year. “Any excitement to move will soon wane if the right support’s not in place,” says Cryne.</p>\n<p>When he’s not moving employees himself, Alberta-based HR president Bruce Baker has relocated twice in this lifetime: First from South Africa to Toronto in 2001, then from Toronto to Edmonton in 2005. Guess which move was harder? “When you’re brand new, you’re expecting everything to be different and taking things as they come,” says the president of HR All-In Inc. “Once you’re already settled in, you’re more aware of everything that needs to be done.”</p>\n<p><a href=\"http://www.canadianbusiness.com/lists-and-rankings/best-jobs/2016-top-25-jobs-in-canada/\" >The top 25 jobs in Canada »</a></p>\n<p>For the record, a quick list of things that need to be done: Sell or rent your current house, find your new home, squat in temporary accommodation in between, pack and move, close out old utilities, set-up new utilities, update your health insurance and driver’s license, ditto with banking and vehicle registration, deliver said vehicle to new location, ensure spouse and children have jobs and school/daycare placements, find childcare in between if necessary, settle everyone in. And of course, you’ll be starting a new job the whole time.</p>\n<p>If you’re switching companies, be sure to negotiate your moving package in advance. “There will be provisions for moving, housing, even ‘miscellaneous,’” says Cryne, noting moving-related expenses like babysitting, van rentals, flights and more.“Depending on your seniority and how valuable you are to the organization,” says Cryne, “you can absolutely negotiate all of these.” If your company can’t sweeten your move financially, by all means ask about flextime, additional vacation days or just regular old time off to make the transition smoother.</p>\n<p>Take it from Baker, who completed his 2005 move from Toronto to Edmonton with a four-week-old in tow—do not cheap out on perks. “Make sure you structure a concierge-type moving service into the deal,” he suggests. Destination services companies can help, such as WelcomeHome Relocations of Stouffville, Ont., which has 60 locations across Canada. “We’re the end-of-the-line piece of a relocation,” says president Judy McDougall. “We help people find places to live, get familiar and get settled in.” These kinds of companies help set up bank accounts, health insurance and driver’s licences, as well as register children for schools (they’ll even find you a local hockey team) and introduce families to new neighbours. “Lots of people think moving’s easy and that they can do it all themselves,” says McDougall. “Some can, but it’s much more difficult without any customized help.”</p>\n<h4 style=\"text-align: center;\"><em><a href=\"http://www.canadianbusiness.com/lists-and-rankings/best-jobs/2016-top-25-jobs-in-canada/\" >This article was originally published on Canadian Business. Head there for more on Canada&#8217;s Best Jobs</a> </em></h4>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/earn/careers/how-to-handle-a-long-distance-move-when-changing-jobs/\">Ace a long-distance move when changing jobs</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Ace a long-distance move when changing jobs','<p>Relocating across the country for a job can be a great opportunity&mdash;and a huge headache. Here&rsquo;s how to get there in style</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/earn/careers/how-to-handle-a-long-distance-move-when-changing-jobs/\">Ace a long-distance move when changing jobs</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10038-revision-v1','','','2016-04-21 15:15:56','2016-04-21 19:15:56','',10038,'http://feedwordpress.radgeek.com/?rev=4c862b578aadd74d057ffb8d65c6821e',0,'revision','',0),(10040,1,'2016-04-21 14:42:47','2016-04-21 18:42:47','<p>I highlighted an active approach to index investing in “<a href=\"http://www.moneysense.ca/save/investing/stocks/a-spicy-alternative-to-the-couch-potato-portfolio/\" >Are you ready for the Hot Potato?</a>&#8220;, which appeared in the April 2016 edition of <em>MoneySense</em>.  The article generated a lot of discussion and I&#8217;m going to address a few questions about it from readers today.</p>\n<p><strong>Q: </strong>How many times did you have to trade the holdings in the monthly rebalance?</p>\n<p><strong>A: </strong>As mentioned in the article, “the Global Hot Potato made an average of 1.7 large trades per year from 1981 through 2015.”  That is, one asset class was sold and another was purchased 1.7 times per year on average over the period.  Naturally, the exact number of swaps varied from year to year depending on market conditions.</p>\n<p><strong>Q: </strong>What are the actual names and symbols of the ETFs that were used?</p>\n<p><strong>A: </strong>All of the calculations were based on index data rather than specific exchange traded funds (ETFs) or index funds.  This was done for a couple of reasons.</p>\n<p>First, we wanted to use as much data as possible and exchange traded funds are relative newcomers to the market.</p>\n<p>Second, we wanted to keep a small speed bump in place to dissuade novice investors from jumping into the approach without giving it an appropriate amount of consideration.  As we warned in the article;</p>\n<p>“The Hot Potato approach isn’t for everyone and should only be attempted by aggressive, seasoned investors. New investors should stick with the more conventional Couch Potato method, which encourages long holding periods. As always, for the best outcome, know your inner investor. Some people can handle a little heat—or a great deal of it. Others can’t stand even a touch of pepper. Pick the portfolio that’s right for you because your piece of mind will depend on it.”</p>\n<p><strong>Q: </strong>This sounds like buying high and selling low.</p>\n<p><strong>A: </strong>It is a trend following approach that aims to buy high and sell higher.  As a result, it requires prompt and disciplined trading to avoid the “selling low” part of the equation.  But make no mistake about it, the method is not without risk.</p>\n<p>Have more questions? Leave them in the comments below!</p>\n<hr />\n<h4 style=\"text-align: center;\"><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">See Norm discuss portfolio strategy and more at our upcoming Invest for Success event. Learn more!</a></h4>\n<hr />\n<h3><strong>Safer Canadian Dogs</strong></h3>\n<p>Investors following the Dogs of the Dow strategy want to buy the 10 highest yielding stocks in the Dow Jones Industrial Average (DJIA), hold them for a year, and then move into the new list of top yielders.</p>\n<p>The Dogs of the TSX works the same way but swaps the DJIA for the S&amp;P/TSX 60, which contains 60 of the largest stocks in Canada.</p>\n<p>My safer variant of the Dogs of the TSX tracks the 10 stocks in the index with the highest dividend yields provided they also pass a series of safety tests, such as having positive earnings. The idea is to weed out companies that might cut their dividends in the near term. Just be warned, it’s a task that’s easier said than done.</p>\n<p>Here’s the updated Safer Dogs of the TSX, representing the top yielders as of April 19. The list is a good starting point for those who want to put some money to work this week. Just keep in mind, the idea is to hold the stocks for at least a year after purchase – barring some calamity.</p>\n		<div>\n					</div>\n\n				<div class=\"rdm_ft_scroll_buttons_container\">\n				<span class=\"rdm_ft_scroll_left\"></span>\n				<span class=\"rdm_ft_scroll_right\"></span>\n			</div>\n			<br clear=\"both\" />\n	\n		<div class=\"rdm_ft_table_container\">\n			<table class=\"footable rdm-footable\" >\n				<thead>\n			        <tr>\n			        							<th  data-class=\"expand\"  class=\"footable-sortable\">Name</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">Price</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">P/B</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">P/E</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">Earnings Yield</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">Dividend Yield</th>\n										</tr>\n				</thead>\n				<tbody>\n					\n								<tr>\n\n																	<td>Shaw (SJR.B)</td>\n																	<td>$23.42</td>\n																	<td>2.11</td>\n																	<td>13.46</td>\n																	<td>7.43%</td>\n																	<td>5.06%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>National Bank (NA)</td>\n																	<td>$45.14</td>\n																	<td>1.63</td>\n																	<td>11.09</td>\n																	<td>9.02%</td>\n																	<td>4.79%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>CIBC (CM)</td>\n																	<td>$99.81</td>\n																	<td>1.9</td>\n																	<td>11.04</td>\n																	<td>9.06%</td>\n																	<td>4.73%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>BCE (BCE)</td>\n																	<td>$59.65</td>\n																	<td>3.97</td>\n																	<td>20.02</td>\n																	<td>5.00%</td>\n																	<td>4.58%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Bank of Nova Scotia (BNS)</td>\n																	<td>$64.33</td>\n																	<td>1.52</td>\n																	<td>11.11</td>\n																	<td>9.00%</td>\n																	<td>4.48%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>TELUS (T)</td>\n																	<td>$40.25</td>\n																	<td>3.12</td>\n																	<td>17.58</td>\n																	<td>5.69%</td>\n																	<td>4.37%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Royal Bank (RY)</td>\n																	<td>$78.34</td>\n																	<td>1.85</td>\n																	<td>11.75</td>\n																	<td>8.51%</td>\n																	<td>4.14%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Bank of Montreal (BMO)</td>\n																	<td>$81.65</td>\n																	<td>1.37</td>\n																	<td>12.15</td>\n																	<td>8.23%</td>\n																	<td>4.12%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Power (POW)</td>\n																	<td>$30.34</td>\n																	<td>1.08</td>\n																	<td>7.87</td>\n																	<td>12.71%</td>\n																	<td>4.10%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Agrium (AGU)</td>\n																	<td>$110.27</td>\n																	<td>1.83</td>\n																	<td>12.57</td>\n																	<td>7.95%</td>\n																	<td>4.02%</td>\n								\n								</tr>\n\n									</tbody>\n			</table>\n			<div class=\"rdm_ft_scroll_buttons_container rdm_ft_table_bottom\">\n				<span class=\"rdm_ft_scroll_left\"></span>\n				<span class=\"rdm_ft_scroll_right\"></span>\n			</div>\n		</div>\n	\n<p>Source: Bloomberg, April 19, 2016</p>\n<p>Notes</p>\n<p>Price: Closing price per share</p>\n<p>P/B: Price to Book Value Ratio</p>\n<p>P/E: Price to Earnings Ratio</p>\n<p>Earnings Yield: Earnings divided by Price, expressed as a percentage</p>\n<p>Dividend Yield: Expected-Annual-Dividend divided by Price, expressed as a percentage</p>\n<p>As always, do your due diligence before buying any stock, including those featured here. Make sure its situation hasn’t changed in some important way, read the latest press releases and regulatory filings and take special care with stocks that trade infrequently. Remember, stocks can be risky. So, be careful out there. (Norm may own shares of some, or all, of the stocks mentioned here.)</p>\n<h3><strong>Required Reading</strong></h3>\n<p><a href=\"http://www.followingthetrend.com/2016/04/you-cant-beat-all-the-chimps/\" >You can’t beat all the chimps</a></p>\n<p>“The fact of the matter is that even a random number generator can, and will, outperform practically all mutual funds. Such random strategies may seem like a joke, and perhaps they are, but if a joke can outperform industry professionals we have to stop and ask some hard questions.”</p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/your-hot-potato-questions-answered/\">Your Hot Potato questions answered</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Your Hot Potato questions answered','<p>Readers had plenty to say about the spicy alternative to the Couch Potato strategy</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/your-hot-potato-questions-answered/\">Your Hot Potato questions answered</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 14:42:47','2016-04-21 18:42:47','',0,'http://www.moneysense.ca/?p=153370',0,'post','',0),(10041,1,'2016-04-21 14:42:47','2016-04-21 18:42:47','<p>I highlighted an active approach to index investing in “<a href=\"http://www.moneysense.ca/save/investing/stocks/a-spicy-alternative-to-the-couch-potato-portfolio/\" >Are you ready for the Hot Potato?</a>&#8220;, which appeared in the April 2016 edition of <em>MoneySense</em>.  The article generated a lot of discussion and I&#8217;m going to address a few questions about it from readers today.</p>\n<p><strong>Q: </strong>How many times did you have to trade the holdings in the monthly rebalance?</p>\n<p><strong>A: </strong>As mentioned in the article, “the Global Hot Potato made an average of 1.7 large trades per year from 1981 through 2015.”  That is, one asset class was sold and another was purchased 1.7 times per year on average over the period.  Naturally, the exact number of swaps varied from year to year depending on market conditions.</p>\n<p><strong>Q: </strong>What are the actual names and symbols of the ETFs that were used?</p>\n<p><strong>A: </strong>All of the calculations were based on index data rather than specific exchange traded funds (ETFs) or index funds.  This was done for a couple of reasons.</p>\n<p>First, we wanted to use as much data as possible and exchange traded funds are relative newcomers to the market.</p>\n<p>Second, we wanted to keep a small speed bump in place to dissuade novice investors from jumping into the approach without giving it an appropriate amount of consideration.  As we warned in the article;</p>\n<p>“The Hot Potato approach isn’t for everyone and should only be attempted by aggressive, seasoned investors. New investors should stick with the more conventional Couch Potato method, which encourages long holding periods. As always, for the best outcome, know your inner investor. Some people can handle a little heat—or a great deal of it. Others can’t stand even a touch of pepper. Pick the portfolio that’s right for you because your piece of mind will depend on it.”</p>\n<p><strong>Q: </strong>This sounds like buying high and selling low.</p>\n<p><strong>A: </strong>It is a trend following approach that aims to buy high and sell higher.  As a result, it requires prompt and disciplined trading to avoid the “selling low” part of the equation.  But make no mistake about it, the method is not without risk.</p>\n<p>Have more questions? Leave them in the comments below!</p>\n<hr />\n<h4 style=\"text-align: center;\"><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">See Norm discuss portfolio strategy and more at our upcoming Invest for Success event. Learn more!</a></h4>\n<hr />\n<h3><strong>Safer Canadian Dogs</strong></h3>\n<p>Investors following the Dogs of the Dow strategy want to buy the 10 highest yielding stocks in the Dow Jones Industrial Average (DJIA), hold them for a year, and then move into the new list of top yielders.</p>\n<p>The Dogs of the TSX works the same way but swaps the DJIA for the S&amp;P/TSX 60, which contains 60 of the largest stocks in Canada.</p>\n<p>My safer variant of the Dogs of the TSX tracks the 10 stocks in the index with the highest dividend yields provided they also pass a series of safety tests, such as having positive earnings. The idea is to weed out companies that might cut their dividends in the near term. Just be warned, it’s a task that’s easier said than done.</p>\n<p>Here’s the updated Safer Dogs of the TSX, representing the top yielders as of April 19. The list is a good starting point for those who want to put some money to work this week. Just keep in mind, the idea is to hold the stocks for at least a year after purchase – barring some calamity.</p>\n		<div>\n					</div>\n\n				<div class=\"rdm_ft_scroll_buttons_container\">\n				<span class=\"rdm_ft_scroll_left\"></span>\n				<span class=\"rdm_ft_scroll_right\"></span>\n			</div>\n			<br clear=\"both\" />\n	\n		<div class=\"rdm_ft_table_container\">\n			<table class=\"footable rdm-footable\" >\n				<thead>\n			        <tr>\n			        							<th  data-class=\"expand\"  class=\"footable-sortable\">Name</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">Price</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">P/B</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">P/E</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">Earnings Yield</th>\n												<th  data-class=\"expand\"  data-type=\"numeric\"  class=\"footable-sortable\">Dividend Yield</th>\n										</tr>\n				</thead>\n				<tbody>\n					\n								<tr>\n\n																	<td>Shaw (SJR.B)</td>\n																	<td>$23.42</td>\n																	<td>2.11</td>\n																	<td>13.46</td>\n																	<td>7.43%</td>\n																	<td>5.06%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>National Bank (NA)</td>\n																	<td>$45.14</td>\n																	<td>1.63</td>\n																	<td>11.09</td>\n																	<td>9.02%</td>\n																	<td>4.79%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>CIBC (CM)</td>\n																	<td>$99.81</td>\n																	<td>1.9</td>\n																	<td>11.04</td>\n																	<td>9.06%</td>\n																	<td>4.73%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>BCE (BCE)</td>\n																	<td>$59.65</td>\n																	<td>3.97</td>\n																	<td>20.02</td>\n																	<td>5.00%</td>\n																	<td>4.58%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Bank of Nova Scotia (BNS)</td>\n																	<td>$64.33</td>\n																	<td>1.52</td>\n																	<td>11.11</td>\n																	<td>9.00%</td>\n																	<td>4.48%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>TELUS (T)</td>\n																	<td>$40.25</td>\n																	<td>3.12</td>\n																	<td>17.58</td>\n																	<td>5.69%</td>\n																	<td>4.37%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Royal Bank (RY)</td>\n																	<td>$78.34</td>\n																	<td>1.85</td>\n																	<td>11.75</td>\n																	<td>8.51%</td>\n																	<td>4.14%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Bank of Montreal (BMO)</td>\n																	<td>$81.65</td>\n																	<td>1.37</td>\n																	<td>12.15</td>\n																	<td>8.23%</td>\n																	<td>4.12%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Power (POW)</td>\n																	<td>$30.34</td>\n																	<td>1.08</td>\n																	<td>7.87</td>\n																	<td>12.71%</td>\n																	<td>4.10%</td>\n								\n								</tr>\n\n					\n								<tr>\n\n																	<td>Agrium (AGU)</td>\n																	<td>$110.27</td>\n																	<td>1.83</td>\n																	<td>12.57</td>\n																	<td>7.95%</td>\n																	<td>4.02%</td>\n								\n								</tr>\n\n									</tbody>\n			</table>\n			<div class=\"rdm_ft_scroll_buttons_container rdm_ft_table_bottom\">\n				<span class=\"rdm_ft_scroll_left\"></span>\n				<span class=\"rdm_ft_scroll_right\"></span>\n			</div>\n		</div>\n	\n<p>Source: Bloomberg, April 19, 2016</p>\n<p>Notes</p>\n<p>Price: Closing price per share</p>\n<p>P/B: Price to Book Value Ratio</p>\n<p>P/E: Price to Earnings Ratio</p>\n<p>Earnings Yield: Earnings divided by Price, expressed as a percentage</p>\n<p>Dividend Yield: Expected-Annual-Dividend divided by Price, expressed as a percentage</p>\n<p>As always, do your due diligence before buying any stock, including those featured here. Make sure its situation hasn’t changed in some important way, read the latest press releases and regulatory filings and take special care with stocks that trade infrequently. Remember, stocks can be risky. So, be careful out there. (Norm may own shares of some, or all, of the stocks mentioned here.)</p>\n<h3><strong>Required Reading</strong></h3>\n<p><a href=\"http://www.followingthetrend.com/2016/04/you-cant-beat-all-the-chimps/\" >You can’t beat all the chimps</a></p>\n<p>“The fact of the matter is that even a random number generator can, and will, outperform practically all mutual funds. Such random strategies may seem like a joke, and perhaps they are, but if a joke can outperform industry professionals we have to stop and ask some hard questions.”</p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/your-hot-potato-questions-answered/\">Your Hot Potato questions answered</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Your Hot Potato questions answered','<p>Readers had plenty to say about the spicy alternative to the Couch Potato strategy</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/your-hot-potato-questions-answered/\">Your Hot Potato questions answered</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10040-revision-v1','','','2016-04-21 14:42:47','2016-04-21 18:42:47','',10040,'http://feedwordpress.radgeek.com/?rev=387b78036f65ea77fd3d6f021fada2c8',0,'revision','',0),(10042,1,'2016-04-21 13:48:50','2016-04-21 17:48:50','<p>While mutual funds will continue to coexist with exchange-traded funds, growth of ETFs has far surpassed the older industry since the financial crisis of 2008-2009, experts told the Exchange Traded Forum 2016 in Toronto this week.</p>\n<p>In a keynote talk, Dave Nadig, ETF director for FactSet Research Systems Inc. of Norwalk, CT, said that since the financial crisis, “all the assets are effectively flowing into ETFs, most of them to Vanguard.”  Over that time, net mutual fund inflows were US$61 billion, compared to a whopping US$1.2 trillion for ETFs.</p>\n<p>The growth rate for ETFs on both sides of the border resembles the classic hockey stick curve, and is just starting in Canada, Nadig said. “It’s the classic standard adoption model and has just ticked right along every year except 2008. It’s right on target. This tells us we will have a US$22 trillion market by 2024, surpassing the global retail mutual fund business.”</p>\n<p>Why? The ETF industry is hitting on all major cylinders for global adoption. It’s the right product for new money, Nadig said, making it increasingly the choice of the millennial generation. “There’s not a lot of growth poaching 70-year-olds’ accounts.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Learn how to build a smarter portfolio » </a></p>\n<p>One recent U.S. survey found that for the first time, 81% of financial advisors were recommending ETFs, surpassing mutual funds for the first time ever.  “Indexing is winning and people just realize it more and more.”</p>\n<p>Still, there are clouds on this seemingly sunny ETF landscape, some of which could start to appear later this year, Nadig warned. The sheer popularity of ETFs is making regulators nervous, especially about the more controversial leveraged and inverse ETFs that are often popular with hedge funds and sophisticated institutional investors.</p>\n<p>Nadig said double-long leveraged ETFs will probably continue to exist (these produce twice the returns than a normal long ETF in rising markets, but amplify losses in declining markets). However, he believes reverse double long products may be retrenched to a reverse leverage factor of just 1.5 times. Triple long and triple inverse ETFs could disappear completely, he warned, although “Only hedge funds will lose sleep over this.”</p>\n<p>Senior Bloomberg ETF analyst Eric Balchunas presented ten “mind-blowing” ETF statistics, the first of which was that the dollar volume of ETF trades in the U.S. each year is US$19 trillion, surpassing the US$18 trillion American gross domestic product.  But the rise of passive investing has also meant a 70% cut in revenue for the financial industry as a whole, since “active funds produce much higher fees.”</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/moneysense-event-invest-for-success-2016/\">Get the tools you need to Invest for Success » </a></p>\n<p>As the trend cuts into the traditional active management business, “the financial industry is having its Napster moment,” Balchunas said, making an analogy to how free music file-sharing savaged the music industry. Another supposedly mind-blowing fact is that “The top five largest funds in the world are all passive.” Four are from the Vanguard Group, the other is the SPDR S&amp;P500 ETF Trust.</p>\n<p>This revenue decline is “a bit scary,” he said, but the rapidly growing pie is masking the drop in overall revenue. The industry is now launching four new ETF products every day: 1,004 were released worldwide last year over the course of 250 business days. So-called “Smart beta” products accounted for more than half of those launches and now account for more than 20% of industry assets.</p>\n<p>Another problem is that as these products become more complicated they require more due diligence. An entire panel session on the second day of the conference was devoted to the rise of ETF strategists that a growing number of advisers are now using.</p>\n<p><a href=\"http://www.moneysense.ca/invest/etfs/the-best-etfs-for-2016/\">ETF All-Stars for 2016 » </a></p>\n<p>National Bank Financial ETF research head Daniel Strauss told the audience on the second day that “there’s no sign of the industry plateauing.” The Canadian ETF market has grown from three funds and $6.6 billion in assets 15 years ago to 428 funds and $95 billion today, an annual growth rate of 20%. The U.S. now has 1,866 ETFs holding US$2.2 trillion.</p>\n<p>Even so, Strauss said he doesn’t believe ETFs are eating the lunch of the mutual fund industry. “The mutual fund industry is still growing at a rapid clip,” with a 10 year compounded growth rate of 7%.</p>\n<p>If anything, the two industries may be converging, as we see mutual fund wraps using ETFs as the underlying investments and of course we are also seeing some mutual fund companies hedging their bets by buying into some ETF manufacturers.</p>\n<p>If you can’t beat them, join them!</p>\n<p><em>Jonathan Chevreau is the founder of the Financial Independence Hub and can be reached at jonathan@findependencehub.com </em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Are ETFs beating out mutual funds in popularity?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Are ETFs beating out mutual funds in popularity?','<p>Maybe, but there are clouds on the sunny ETF horizon</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/etfs/why-etfs-are-growing-in-popularity/\">Are ETFs beating out mutual funds in popularity?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10017-revision-v1','','','2016-04-21 13:48:50','2016-04-21 17:48:50','',10017,'http://feedwordpress.radgeek.com/?rev=0aedd0e603159b661e1edb3f20089cc8',0,'revision','',0),(10043,1,'2013-08-13 17:56:49','2013-08-13 17:56:49','Mazda 6 On the Rack with Mean Gene. Mean Gene deconstructs Mazda\'s Sky Active system and demonstrates just how much of a technological breakthrough by using old parts laying around the shop and its latest application: The 2013 Mazda 6.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','Mazda 6 On the Rack with Mean Gene','','publish','open','open','','mazda-6-on-the-rack-with-mean-gene','','','2013-08-13 17:56:49','2013-08-13 17:56:49','',0,'http://www.l2ocredit.com/2013/08/13/mazda-6-on-the-rack-with-mean-gene/',0,'post','',0),(10044,0,'2016-04-21 15:28:01','2016-04-21 19:28:01','','Mazda 6 On the Rack with Mean Gene','','inherit','open','closed','','mazda-6-on-the-rack-with-mean-gene-2','','','2016-04-21 15:28:01','2016-04-21 19:28:01','',10043,'http://www.l2ocredit.com/wp-content/uploads/2016/04/mazda-6-on-the-rack-with-mean-gene-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10045,0,'2016-04-21 15:28:01','2016-04-21 19:28:01','','Mazda 6 On the Rack with Mean Gene','','inherit','open','closed','','mazda-6-on-the-rack-with-mean-gene-2','','','2016-04-21 15:28:01','2016-04-21 19:28:01','',10043,'http://www.l2ocredit.com/wp-content/uploads/2016/04/mazda-6-on-the-rack-with-mean-gene-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10046,0,'2016-04-21 15:28:02','2016-04-21 19:28:02','','Mazda 6 On the Rack with Mean Gene','','inherit','open','closed','','mazda-6-on-the-rack-with-mean-gene-3','','','2016-04-21 15:28:02','2016-04-21 19:28:02','',10043,'http://www.l2ocredit.com/wp-content/uploads/2016/04/mazda-6-on-the-rack-with-mean-gene-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10047,0,'2016-04-21 15:28:02','2016-04-21 19:28:02','','Mazda 6 On the Rack with Mean Gene','','inherit','open','closed','','mazda-6-on-the-rack-with-mean-gene-4','','','2016-04-21 15:28:02','2016-04-21 19:28:02','',10043,'http://www.l2ocredit.com/wp-content/uploads/2016/04/mazda-6-on-the-rack-with-mean-gene-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10048,1,'2014-06-22 05:01:42','2014-06-22 05:01:42','Is the AWD Sienna right for you? Check out the most detailed review on YouTube to find out.\n\n2016 Honda HR-V: http://youtu.be/OMFb43JnPCc\nBe sure to LIKE this video! Liking and subscribing help AOA get access to cars!\nMore videos: http://goo.gl/Kj1FlI\nAlex\'s Favorite Cars: http://goo.gl/uGSNLI\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nIf you\'re looking at the ultimate three row crossover for a growing family, look no further than the 2014 Toyota Sienna AWD. Yes, I know it\'s a minivan, but honestly there is precious little difference between a modern AWD minivan and an AWD crossover except for the sliding doors. The Sienna is one of the few vehicles on the road with three complete sets of LATCH anchors and up to four top-tether anchors for maximum child capacity.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 Toyota Sienna Limited AWD DETAILED Review and Road Test','','publish','open','open','','2014-toyota-sienna-limited-awd-detailed-review-and-road-test','','','2014-06-22 05:01:42','2014-06-22 05:01:42','',0,'http://www.l2ocredit.com/2014/06/22/2014-toyota-sienna-limited-awd-detailed-review-and-road-test/',0,'post','',0),(10049,0,'2016-04-21 16:08:48','2016-04-21 20:08:48','','2014 Toyota Sienna Limited AWD DETAILED Review and Road Test','','inherit','open','closed','','2014-toyota-sienna-limited-awd-detailed-review-and-road-test-2','','','2016-04-21 16:08:48','2016-04-21 20:08:48','',10048,'http://www.l2ocredit.com/2014/06/22/2014-toyota-sienna-limited-awd-detailed-review-and-road-test/2014-toyota-sienna-limited-awd-detailed-review-and-road-test-2/',0,'attachment','image/jpeg',0),(10050,1,'2011-11-17 06:27:11','2011-11-17 06:27:11','Introduced at the 2011 Los Angeles Auto Show, this 7-passenger luxury crossover from Infiniti. Bigger than the FX35 and not as large or heavy as the Qx, this JX will appeal to more people.\r\nFrom www.motormouth.ca','2013 Infiniti JX preview','','publish','open','open','','2013-infiniti-jx-preview','','','2011-11-17 06:27:11','2011-11-17 06:27:11','',0,'http://www.l2ocredit.com/2011/11/17/2013-infiniti-jx-preview/',0,'post','',0),(10051,0,'2016-04-21 17:23:44','2016-04-21 21:23:44','','2013 Infiniti JX preview','','inherit','open','closed','','2013-infiniti-jx-preview-2','','','2016-04-21 17:23:44','2016-04-21 21:23:44','',10050,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-infiniti-jx-preview-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10052,0,'2016-04-21 17:23:44','2016-04-21 21:23:44','','2013 Infiniti JX preview','','inherit','open','closed','','2013-infiniti-jx-preview-2','','','2016-04-21 17:23:44','2016-04-21 21:23:44','',10050,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-infiniti-jx-preview-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10053,0,'2016-04-21 17:23:45','2016-04-21 21:23:45','','2013 Infiniti JX preview','','inherit','open','closed','','2013-infiniti-jx-preview-3','','','2016-04-21 17:23:45','2016-04-21 21:23:45','',10050,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-infiniti-jx-preview-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10054,0,'2016-04-21 17:23:45','2016-04-21 21:23:45','','2013 Infiniti JX preview','','inherit','open','closed','','2013-infiniti-jx-preview-3','','','2016-04-21 17:23:45','2016-04-21 21:23:45','',10050,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-infiniti-jx-preview-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10055,1,'2014-07-29 00:49:24','2014-07-29 00:49:24','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 5/5 \nEngine &amp; Performance\nBASE ENGINE SIZE 1.8 L\nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS Inline 4 \nVALVES 16\nVALVE TIMING Variable \nTORQUE 130 ft-lbs. @ 4700 rpm\nHORSEPOWER 145 hp @ 6500 rpm \nTURNING CIRCLE 34.8 ft.\nFuel\nENGINE TYPE Gas \nFUEL TYPE Regular unleaded\nFUEL TANK CAPACITY 12.8 gal. \nRANGE IN MILES (CTY/HWY) 345.6/473.6 mi.\nEPA MILEAGE EST. (CTY/HWY) 27/37 mpg \nWeights and Capacities\nEPA INTERIOR VOLUME 110.4 cu.ft. \nCURB WEIGHT 2773 lbs.\nCARGO CAPACITY, ALL SEATS IN PLACE 14.8 cu.ft. \nCompetitors: Honda Civic, Toyota Corolla, Ford Focus','2015 Hyundai Elantra Start Up and Review 1.8 L 4-Cylinder','','publish','open','open','','2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder','','','2014-07-29 00:49:24','2014-07-29 00:49:24','',0,'http://www.l2ocredit.com/2014/07/29/2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder/',0,'post','',0),(10056,0,'2016-04-21 17:46:03','2016-04-21 21:46:03','','2015 Hyundai Elantra Start Up and Review 1.8 L 4-Cylinder','','inherit','open','closed','','2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder-2','','','2016-04-21 17:46:03','2016-04-21 21:46:03','',10055,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10057,0,'2016-04-21 17:46:03','2016-04-21 21:46:03','','2015 Hyundai Elantra Start Up and Review 1.8 L 4-Cylinder','','inherit','open','closed','','2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder-2','','','2016-04-21 17:46:03','2016-04-21 21:46:03','',10055,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10058,0,'2016-04-21 17:46:03','2016-04-21 21:46:03','','2015 Hyundai Elantra Start Up and Review 1.8 L 4-Cylinder','','inherit','open','closed','','2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder-3','','','2016-04-21 17:46:03','2016-04-21 21:46:03','',10055,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10059,0,'2016-04-21 17:46:03','2016-04-21 21:46:03','','2015 Hyundai Elantra Start Up and Review 1.8 L 4-Cylinder','','inherit','open','closed','','2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder-4','','','2016-04-21 17:46:03','2016-04-21 21:46:03','',10055,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-elantra-start-up-and-review-1-8-l-4-cylinder-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10060,1,'2016-04-21 17:44:32','2016-04-21 21:44:32','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260236443&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-why-you-should-live-within-your-means/\">Why you should live within your means</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why you should live within your means','<p>Remember, short-term pleasure means long-term pain</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-why-you-should-live-within-your-means/\">Why you should live within your means</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 17:44:32','2016-04-21 21:44:32','',0,'http://www.moneysense.ca/?p=153488',0,'post','',0),(10061,1,'2016-04-21 17:44:32','2016-04-21 21:44:32','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260236443&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-why-you-should-live-within-your-means/\">Why you should live within your means</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why you should live within your means','<p>Remember, short-term pleasure means long-term pain</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-why-you-should-live-within-your-means/\">Why you should live within your means</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10060-revision-v1','','','2016-04-21 17:44:32','2016-04-21 21:44:32','',10060,'http://feedwordpress.radgeek.com/?rev=d32aa58f4a51ff32b4359621a2772600',0,'revision','',0),(10062,1,'2016-04-21 17:37:51','2016-04-21 21:37:51','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260235988&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-what-to-do-with-your-cash/\">What to do with your cash</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','What to do with your cash','<p>Don\'t let your money sit idle</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-what-to-do-with-your-cash/\">What to do with your cash</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 17:37:51','2016-04-21 21:37:51','',0,'http://www.moneysense.ca/?p=153476',0,'post','',0),(10063,1,'2016-04-21 17:37:51','2016-04-21 21:37:51','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260235988&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-what-to-do-with-your-cash/\">What to do with your cash</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','What to do with your cash','<p>Don\'t let your money sit idle</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-what-to-do-with-your-cash/\">What to do with your cash</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10062-revision-v1','','','2016-04-21 17:37:51','2016-04-21 21:37:51','',10062,'http://feedwordpress.radgeek.com/?rev=855dff8136d0996ebf2e2ecaa53d2ecd',0,'revision','',0),(10064,1,'2016-04-21 17:29:15','2016-04-21 21:29:15','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260235383&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-pick-your-financial-priorities/\">Pick your financial priorities</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Pick your financial priorities','<p>Should you focus on debt repayment or saving for a home?</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-pick-your-financial-priorities/\">Pick your financial priorities</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 17:29:15','2016-04-21 21:29:15','',0,'http://www.moneysense.ca/?p=153466',0,'post','',0),(10065,1,'2016-04-21 17:29:15','2016-04-21 21:29:15','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260235383&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-pick-your-financial-priorities/\">Pick your financial priorities</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Pick your financial priorities','<p>Should you focus on debt repayment or saving for a home?</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-pick-your-financial-priorities/\">Pick your financial priorities</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10064-revision-v1','','','2016-04-21 17:29:15','2016-04-21 21:29:15','',10064,'http://feedwordpress.radgeek.com/?rev=b3ff956aef917760d1fd115275a854d8',0,'revision','',0),(10066,1,'2016-04-21 17:21:12','2016-04-21 21:21:12','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260235013&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-the-key-to-savings-set-it-and-forget-it/\">The key to savings? Set it and forget it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The key to savings? Set it and forget it','<p>Automatic payments make saving simpler</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-the-key-to-savings-set-it-and-forget-it/\">The key to savings? Set it and forget it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 17:21:12','2016-04-21 21:21:12','',0,'http://www.moneysense.ca/?p=153452',0,'post','',0),(10067,1,'2016-04-21 17:21:12','2016-04-21 21:21:12','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260235013&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-the-key-to-savings-set-it-and-forget-it/\">The key to savings? Set it and forget it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The key to savings? Set it and forget it','<p>Automatic payments make saving simpler</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/listen-the-key-to-savings-set-it-and-forget-it/\">The key to savings? Set it and forget it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10066-revision-v1','','','2016-04-21 17:21:12','2016-04-21 21:21:12','',10066,'http://feedwordpress.radgeek.com/?rev=a84892def4d399af0d4386e2dac05747',0,'revision','',0),(10068,1,'2016-04-21 17:13:01','2016-04-21 21:13:01','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260234605&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/debt/listen-how-to-deal-with-your-debt/\">How to deal with your debt</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to deal with your debt','<p>Try one of these two strategies to get started</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/debt/listen-how-to-deal-with-your-debt/\">How to deal with your debt</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-21 17:13:01','2016-04-21 21:13:01','',0,'http://www.moneysense.ca/?p=153446',0,'post','',0),(10069,1,'2016-04-21 17:13:01','2016-04-21 21:13:01','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260234605&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/debt/listen-how-to-deal-with-your-debt/\">How to deal with your debt</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to deal with your debt','<p>Try one of these two strategies to get started</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/debt/listen-how-to-deal-with-your-debt/\">How to deal with your debt</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10068-revision-v1','','','2016-04-21 17:13:01','2016-04-21 21:13:01','',10068,'http://feedwordpress.radgeek.com/?rev=68e8279eb6adcf08953621448edc5f18',0,'revision','',0),(10070,1,'2016-04-20 13:19:52','2016-04-20 17:19:52','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260043286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to hunt for hidden savings','<p>Cut down on the fees you pay&mdash;it\'s hard work but worth it</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9774-revision-v1','','','2016-04-20 13:19:52','2016-04-20 17:19:52','',9774,'http://feedwordpress.radgeek.com/?rev=305bd46af8653007af562644b0fd72fd',0,'revision','',0),(10071,1,'2015-03-31 12:02:25','2015-03-31 12:02:25','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2015 MINI Cooper S 4-Door Review','','publish','open','open','','2015-mini-cooper-s-4-door-review','','','2015-03-31 12:02:25','2015-03-31 12:02:25','',0,'http://www.l2ocredit.com/2015/03/31/2015-mini-cooper-s-4-door-review/',0,'post','',0),(10072,0,'2016-04-21 19:10:28','2016-04-21 23:10:28','','2015 MINI Cooper S 4-Door Review','','inherit','open','closed','','2015-mini-cooper-s-4-door-review-2','','','2016-04-21 19:10:28','2016-04-21 23:10:28','',10071,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-mini-cooper-s-4-door-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10073,0,'2016-04-21 19:10:29','2016-04-21 23:10:29','','2015 MINI Cooper S 4-Door Review','','inherit','open','closed','','2015-mini-cooper-s-4-door-review-3','','','2016-04-21 19:10:29','2016-04-21 23:10:29','',10071,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-mini-cooper-s-4-door-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10074,0,'2016-04-21 19:10:29','2016-04-21 23:10:29','','2015 MINI Cooper S 4-Door Review','','inherit','open','closed','','2015-mini-cooper-s-4-door-review-4','','','2016-04-21 19:10:29','2016-04-21 23:10:29','',10071,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-mini-cooper-s-4-door-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10075,1,'2013-08-09 22:25:09','2013-08-09 22:25:09','Autonomous Driving Test of the Mercedes E500/E550 Cabriolet -- A Self Driving Convertible! MotoMan heads to a secret location in Denmark to test out Mercedes Distronic Plus with Steering Assist -- otherwise known as a low speed autonomous driving system. Coming in the 2014 Mercedes S Class, MotoMan tests out the system in a 408 HP Mercedes E 500 Convertible to determine if this safety system is a solid step to self driving cars.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','Autonomous Driving Test of the Mercedes E500/E550 Cabriolet -- A Self Driving Convertible!','','publish','open','open','','autonomous-driving-test-of-the-mercedes-e500e550-cabriolet-a-self-driving-convertible','','','2013-08-09 22:25:09','2013-08-09 22:25:09','',0,'http://www.l2ocredit.com/2013/08/09/autonomous-driving-test-of-the-mercedes-e500e550-cabriolet-a-self-driving-convertible/',0,'post','',0),(10076,0,'2016-04-21 19:26:03','2016-04-21 23:26:03','','Autonomous Driving Test of the Mercedes E500/E550 Cabriolet &#8212; A Self Driving Convertible!','','inherit','open','closed','','autonomous-driving-test-of-the-mercedes-e500e550-cabriolet-a-self-driving-convertible-2','','','2016-04-21 19:26:03','2016-04-21 23:26:03','',10075,'http://www.l2ocredit.com/wp-content/uploads/2016/04/autonomous-driving-test-of-the-mercedes-e500e550-cabriolet-a-self-driving-convertible-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10077,0,'2016-04-21 19:26:04','2016-04-21 23:26:04','','Autonomous Driving Test of the Mercedes E500/E550 Cabriolet &#8212; A Self Driving Convertible!','','inherit','open','closed','','autonomous-driving-test-of-the-mercedes-e500e550-cabriolet-a-self-driving-convertible-3','','','2016-04-21 19:26:04','2016-04-21 23:26:04','',10075,'http://www.l2ocredit.com/wp-content/uploads/2016/04/autonomous-driving-test-of-the-mercedes-e500e550-cabriolet-a-self-driving-convertible-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10078,0,'2016-04-21 19:26:04','2016-04-21 23:26:04','','Autonomous Driving Test of the Mercedes E500/E550 Cabriolet &#8212; A Self Driving Convertible!','','inherit','open','closed','','autonomous-driving-test-of-the-mercedes-e500e550-cabriolet-a-self-driving-convertible-3','','','2016-04-21 19:26:04','2016-04-21 23:26:04','',10075,'http://www.l2ocredit.com/wp-content/uploads/2016/04/autonomous-driving-test-of-the-mercedes-e500e550-cabriolet-a-self-driving-convertible-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10079,1,'2014-06-16 19:51:41','2014-06-16 19:51:41','In this episode I take an in-depth look at Cooper Tire\'s latest touring tire, the CS5. In this video talk about what a touring tire is, take the tire out on a dry track followed by some laps on Cooper\'s wet track. I\'ll also talk about tread design, hydroplaning, how tires are tested and more.\nStatistics powered by ChannelMeter http://channelmeter.com','Cooper CS5 Ultra Touring and CS5 Grand Touring complete review','','publish','open','open','','cooper-cs5-ultra-touring-and-cs5-grand-touring-complete-review','','','2014-06-16 19:51:41','2014-06-16 19:51:41','',0,'http://www.l2ocredit.com/2014/06/16/cooper-cs5-ultra-touring-and-cs5-grand-touring-complete-review/',0,'post','',0),(10080,0,'2016-04-21 19:44:00','2016-04-21 23:44:00','','Cooper CS5 Ultra Touring and CS5 Grand Touring complete review','','inherit','open','closed','','cooper-cs5-ultra-touring-and-cs5-grand-touring-complete-review-2','','','2016-04-21 19:44:00','2016-04-21 23:44:00','',10079,'http://www.l2ocredit.com/wp-content/uploads/2016/04/cooper-cs5-ultra-touring-and-cs5-grand-touring-complete-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10081,0,'2016-04-21 19:44:00','2016-04-21 23:44:00','','Cooper CS5 Ultra Touring and CS5 Grand Touring complete review','','inherit','open','closed','','cooper-cs5-ultra-touring-and-cs5-grand-touring-complete-review-3','','','2016-04-21 19:44:00','2016-04-21 23:44:00','',10079,'http://www.l2ocredit.com/wp-content/uploads/2016/04/cooper-cs5-ultra-touring-and-cs5-grand-touring-complete-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10082,0,'2016-04-21 19:44:00','2016-04-21 23:44:00','','Cooper CS5 Ultra Touring and CS5 Grand Touring complete review','','inherit','open','closed','','cooper-cs5-ultra-touring-and-cs5-grand-touring-complete-review-3','','','2016-04-21 19:44:00','2016-04-21 23:44:00','',10079,'http://www.l2ocredit.com/wp-content/uploads/2016/04/cooper-cs5-ultra-touring-and-cs5-grand-touring-complete-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10083,1,'2011-11-14 06:01:53','2011-11-14 06:01:53','2009 Hyundai Sonata review from www.motormouth.ca','2009 Hyundai Sonata review','','publish','open','open','','2009-hyundai-sonata-review','','','2011-11-14 06:01:53','2011-11-14 06:01:53','',0,'http://www.l2ocredit.com/2011/11/14/2009-hyundai-sonata-review/',0,'post','',0),(10084,0,'2016-04-21 20:55:11','2016-04-22 00:55:11','','2009 Hyundai Sonata review','','inherit','open','closed','','2009-hyundai-sonata-review-2','','','2016-04-21 20:55:11','2016-04-22 00:55:11','',10083,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-sonata-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10085,0,'2016-04-21 20:55:11','2016-04-22 00:55:11','','2009 Hyundai Sonata review','','inherit','open','closed','','2009-hyundai-sonata-review-3','','','2016-04-21 20:55:11','2016-04-22 00:55:11','',10083,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-sonata-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10086,0,'2016-04-21 20:55:11','2016-04-22 00:55:11','','2009 Hyundai Sonata review','','inherit','open','closed','','2009-hyundai-sonata-review-4','','','2016-04-21 20:55:11','2016-04-22 00:55:11','',10083,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-sonata-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10087,0,'2016-04-21 20:55:11','2016-04-22 00:55:11','','2009 Hyundai Sonata review','','inherit','open','closed','','2009-hyundai-sonata-review-5','','','2016-04-21 20:55:11','2016-04-22 00:55:11','',10083,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-sonata-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(10088,0,'2016-04-21 20:55:11','2016-04-22 00:55:11','','2009 Hyundai Sonata review','','inherit','open','closed','','2009-hyundai-sonata-review-6','','','2016-04-21 20:55:11','2016-04-22 00:55:11','',10083,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-sonata-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(10089,0,'2016-04-21 20:55:12','2016-04-22 00:55:12','','2009 Hyundai Sonata review','','inherit','open','closed','','2009-hyundai-sonata-review-7','','','2016-04-21 20:55:12','2016-04-22 00:55:12','',10083,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-sonata-review-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(10090,1,'2014-08-15 11:00:03','2014-08-15 11:00:03','New York City’s diverse fleet of taxis is about to be consolidated into a single model: the Nissan NV200. Join KBB’s Zach Vlasuk as gives you a first-hand look at NYC’s next-generation people mover.  \n\nFor more information and pricing on the standard Nissan NV200, please visit:\nhttp://www.kbb.com/nissan/nv200/2014-nissan-nv200/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Zach Vlasuk on Twitter, please visit: http://www.twitter.com/zachvlasuk','Nissan NV200 Taxi Overview - Kelley Blue Book','','publish','open','open','','nissan-nv200-taxi-overview-kelley-blue-book','','','2014-08-15 11:00:03','2014-08-15 11:00:03','',0,'http://www.l2ocredit.com/2014/08/15/nissan-nv200-taxi-overview-kelley-blue-book/',0,'post','',0),(10091,0,'2016-04-21 21:33:46','2016-04-22 01:33:46','','Nissan NV200 Taxi Overview &#8211; Kelley Blue Book','','inherit','open','closed','','nissan-nv200-taxi-overview-kelley-blue-book-2','','','2016-04-21 21:33:46','2016-04-22 01:33:46','',10090,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-nv200-taxi-overview-kelley-blue-book-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10092,0,'2016-04-21 21:33:46','2016-04-22 01:33:46','','Nissan NV200 Taxi Overview &#8211; Kelley Blue Book','','inherit','open','closed','','nissan-nv200-taxi-overview-kelley-blue-book-2','','','2016-04-21 21:33:46','2016-04-22 01:33:46','',10090,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-nv200-taxi-overview-kelley-blue-book-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10093,0,'2016-04-21 21:33:47','2016-04-22 01:33:47','','Nissan NV200 Taxi Overview &#8211; Kelley Blue Book','','inherit','open','closed','','nissan-nv200-taxi-overview-kelley-blue-book-3','','','2016-04-21 21:33:47','2016-04-22 01:33:47','',10090,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-nv200-taxi-overview-kelley-blue-book-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10094,1,'2015-04-06 12:52:10','2015-04-06 12:52:10','The new Audi Q3 is a compact crossover that joins the brand\'s larger Q5 and Q7 models. From the signature grille to its \"coupe-like\" profile everything screams pure Audi, but is it?\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2015 Audi Q3 Review','','publish','open','open','','2015-audi-q3-review','','','2015-04-06 12:52:10','2015-04-06 12:52:10','',0,'http://www.l2ocredit.com/2015/04/06/2015-audi-q3-review/',0,'post','',0),(10095,0,'2016-04-21 21:55:34','2016-04-22 01:55:34','','2015 Audi Q3 Review','','inherit','open','closed','','2015-audi-q3-review-2','','','2016-04-21 21:55:34','2016-04-22 01:55:34','',10094,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10096,0,'2016-04-21 21:55:34','2016-04-22 01:55:34','','2015 Audi Q3 Review','','inherit','open','closed','','2015-audi-q3-review-2','','','2016-04-21 21:55:34','2016-04-22 01:55:34','',10094,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10097,0,'2016-04-21 21:55:34','2016-04-22 01:55:34','','2015 Audi Q3 Review','','inherit','open','closed','','2015-audi-q3-review-3','','','2016-04-21 21:55:34','2016-04-22 01:55:34','',10094,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10098,0,'2016-04-21 21:55:35','2016-04-22 01:55:35','','2015 Audi Q3 Review','','inherit','open','closed','','2015-audi-q3-review-4','','','2016-04-21 21:55:35','2016-04-22 01:55:35','',10094,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10099,0,'2016-04-21 21:55:35','2016-04-22 01:55:35','','2015 Audi Q3 Review','','inherit','open','closed','','2015-audi-q3-review-5','','','2016-04-21 21:55:35','2016-04-22 01:55:35','',10094,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(10100,0,'2016-04-21 21:55:35','2016-04-22 01:55:35','','2015 Audi Q3 Review','','inherit','open','closed','','2015-audi-q3-review-6','','','2016-04-21 21:55:35','2016-04-22 01:55:35','',10094,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(10101,1,'2013-08-06 18:00:24','2013-08-06 18:00:24','Lexus GS 350 F Sport On the Rack with Mean Gene. After looking at the Hybrid version of Lexus\' midsize sport sedan, the GS450h, Mean Gene gets his hands on the F Sport. He talks about major changes in Lexus over the years that are evident in the 4 wheel steer GS 350 F Sport by way of a retired race car driver he knew well . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','Lexus GS 350 F Sport On the Rack with Mean Gene','','publish','open','open','','lexus-gs-350-f-sport-on-the-rack-with-mean-gene','','','2013-08-06 18:00:24','2013-08-06 18:00:24','',0,'http://www.l2ocredit.com/2013/08/06/lexus-gs-350-f-sport-on-the-rack-with-mean-gene/',0,'post','',0),(10102,0,'2016-04-21 22:14:30','2016-04-22 02:14:30','','Lexus GS 350 F Sport On the Rack with Mean Gene','','inherit','open','closed','','lexus-gs-350-f-sport-on-the-rack-with-mean-gene-2','','','2016-04-21 22:14:30','2016-04-22 02:14:30','',10101,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lexus-gs-350-f-sport-on-the-rack-with-mean-gene-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10103,0,'2016-04-21 22:14:30','2016-04-22 02:14:30','','Lexus GS 350 F Sport On the Rack with Mean Gene','','inherit','open','closed','','lexus-gs-350-f-sport-on-the-rack-with-mean-gene-3','','','2016-04-21 22:14:30','2016-04-22 02:14:30','',10101,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lexus-gs-350-f-sport-on-the-rack-with-mean-gene-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10104,1,'2014-06-14 21:30:59','2014-06-14 21:30:59','Lately I have had a number of emails asking about Consumer Report\'s review on the 2014 Honda Accord Hybrid. In their latest review Consumer Reports and the Wall Street Journal complained that the engine starts and stops randomly and revs without regard to accelerator pedal position or speed. What gives? The answer, and in my mind the key to living with the Accord Hybrid, is in knowing how the hybrid system works. You see the Accord uses a very different hybrid system than the Prius, Camry Hybrid, Fusion  Hybrid or even the Volt. The Accord is a true serial hybrid below 45 MPH. While the operation of the system is distinctly different from the parallel systems on the market, the real world fuel economy of 40-50 MPG (depending on conditions) more than makes up for things in my book. The important thing to remember is that this hybrid behaves differently than other hybrids on the market. While I think that\'s a good thing, I\'ll let you be the judge for yourself. \n\nAccord Hybrid Explained\nStatistics powered by ChannelMeter http://channelmeter.com','How the Accord Hybrid system works','','publish','open','open','','how-the-accord-hybrid-system-works','','','2014-06-14 21:30:59','2014-06-14 21:30:59','',0,'http://www.l2ocredit.com/2014/06/14/how-the-accord-hybrid-system-works/',0,'post','',0),(10105,0,'2016-04-21 22:30:30','2016-04-22 02:30:30','','How the Accord Hybrid system works','','inherit','open','closed','','how-the-accord-hybrid-system-works-2','','','2016-04-21 22:30:30','2016-04-22 02:30:30','',10104,'http://www.l2ocredit.com/wp-content/uploads/2016/04/how-the-accord-hybrid-system-works-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10106,0,'2016-04-21 22:30:30','2016-04-22 02:30:30','','How the Accord Hybrid system works','','inherit','open','closed','','how-the-accord-hybrid-system-works-2','','','2016-04-21 22:30:30','2016-04-22 02:30:30','',10104,'http://www.l2ocredit.com/wp-content/uploads/2016/04/how-the-accord-hybrid-system-works-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10107,1,'2011-11-14 05:56:38','2011-11-14 05:56:38','2009 Audi A4 review from www.motormouth.ca','2009 Audi A4 review','','publish','open','open','','2009-audi-a4-review','','','2011-11-14 05:56:38','2011-11-14 05:56:38','',0,'http://www.l2ocredit.com/2011/11/14/2009-audi-a4-review/',0,'post','',0),(10108,0,'2016-04-21 23:40:33','2016-04-22 03:40:33','','2009 Audi A4 review','','inherit','open','closed','','2009-audi-a4-review-2','','','2016-04-21 23:40:33','2016-04-22 03:40:33','',10107,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-audi-a4-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10109,0,'2016-04-21 23:40:34','2016-04-22 03:40:34','','2009 Audi A4 review','','inherit','open','closed','','2009-audi-a4-review-3','','','2016-04-21 23:40:34','2016-04-22 03:40:34','',10107,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-audi-a4-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10110,1,'2014-07-27 17:25:12','2014-07-27 17:25:12','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 5/5 \nPhotos:  https://www.facebook.com/media/set/?set=a.958235424188833.1073741901.349462695066112&amp;type=3\nPowertrain Options: 3.0 L Diesel V6, 3.6 L V6, or 5.7/6.4 L V8 with an 8-Speed Automatic 4x2 or 4x4 \nEngine size: 3.0L\nHorsepower: 240 HP\nMPG: 21 city / 28 highway \nCompetitors: Ford Explorer, Mercedes ML, Toyota 4Runner, Ford Edge','2015 Jeep Grand Cherokee Start Up and Review 3.0 L Diesel V6','','publish','open','open','','2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6','','','2014-07-27 17:25:12','2014-07-27 17:25:12','',0,'http://www.l2ocredit.com/2014/07/27/2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6/',0,'post','',0),(10111,0,'2016-04-21 23:56:27','2016-04-22 03:56:27','','2015 Jeep Grand Cherokee Start Up and Review 3.0 L Diesel V6','','inherit','open','closed','','2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6-2','','','2016-04-21 23:56:27','2016-04-22 03:56:27','',10110,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10112,0,'2016-04-21 23:56:27','2016-04-22 03:56:27','','2015 Jeep Grand Cherokee Start Up and Review 3.0 L Diesel V6','','inherit','open','closed','','2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6-2','','','2016-04-21 23:56:27','2016-04-22 03:56:27','',10110,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10113,0,'2016-04-21 23:56:28','2016-04-22 03:56:28','','2015 Jeep Grand Cherokee Start Up and Review 3.0 L Diesel V6','','inherit','open','closed','','2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6-3','','','2016-04-21 23:56:28','2016-04-22 03:56:28','',10110,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10114,0,'2016-04-21 23:56:28','2016-04-22 03:56:28','','2015 Jeep Grand Cherokee Start Up and Review 3.0 L Diesel V6','','inherit','open','closed','','2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6-4','','','2016-04-21 23:56:28','2016-04-22 03:56:28','',10110,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-jeep-grand-cherokee-start-up-and-review-3-0-l-diesel-v6-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10115,1,'2014-08-11 11:00:04','2014-08-11 11:00:04','Honda has proven with the Fit that an entry-level economy car doesn\'t need to be devoid of personality, especially when it comes to design, features and being fun-to-drive. Join KBB’s Micah Muzio as he determines if the third-generation Fit carries on this tradition.   \n\nFor the latest Honda Fit pricing and information:\nhttp://www.kbb.com/honda/fit/2015-honda-fit/\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, comparison tests, and technology reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb','2016 Honda Fit - Review and Road Test','','publish','open','open','','2016-honda-fit-review-and-road-test','','','2014-08-11 11:00:04','2014-08-11 11:00:04','',0,'http://www.l2ocredit.com/2014/08/11/2016-honda-fit-review-and-road-test/',0,'post','',0),(10116,0,'2016-04-22 00:20:11','2016-04-22 04:20:11','','2016 Honda Fit &#8211; Review and Road Test','','inherit','open','closed','','2016-honda-fit-review-and-road-test-2','','','2016-04-22 00:20:11','2016-04-22 04:20:11','',10115,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-honda-fit-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10117,0,'2016-04-22 00:20:11','2016-04-22 04:20:11','','2016 Honda Fit &#8211; Review and Road Test','','inherit','open','closed','','2016-honda-fit-review-and-road-test-2','','','2016-04-22 00:20:11','2016-04-22 04:20:11','',10115,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-honda-fit-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10118,0,'2016-04-22 00:20:12','2016-04-22 04:20:12','','2016 Honda Fit &#8211; Review and Road Test','','inherit','open','closed','','2016-honda-fit-review-and-road-test-3','','','2016-04-22 00:20:12','2016-04-22 04:20:12','',10115,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-honda-fit-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10119,0,'2016-04-22 00:20:12','2016-04-22 04:20:12','','2016 Honda Fit &#8211; Review and Road Test','','inherit','open','closed','','2016-honda-fit-review-and-road-test-4','','','2016-04-22 00:20:12','2016-04-22 04:20:12','',10115,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-honda-fit-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10120,1,'2015-03-25 14:45:51','2015-03-25 14:45:51','Beside body-on-frame SUVs, the first-generation Nissan Murano looked like a space pod.\n\nhttp://www.autoguide.com/manufacturer/2015-nissan-murano-review---video\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2015 Nissan Murano Review','','publish','open','open','','2015-nissan-murano-review','','','2015-03-25 14:45:51','2015-03-25 14:45:51','',0,'http://www.l2ocredit.com/2015/03/25/2015-nissan-murano-review/',0,'post','',0),(10121,0,'2016-04-22 00:35:41','2016-04-22 04:35:41','','2015 Nissan Murano Review','','inherit','open','closed','','2015-nissan-murano-review-2','','','2016-04-22 00:35:41','2016-04-22 04:35:41','',10120,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-nissan-murano-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10122,0,'2016-04-22 00:35:41','2016-04-22 04:35:41','','2015 Nissan Murano Review','','inherit','open','closed','','2015-nissan-murano-review-2','','','2016-04-22 00:35:41','2016-04-22 04:35:41','',10120,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-nissan-murano-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10123,0,'2016-04-22 00:35:42','2016-04-22 04:35:42','','2015 Nissan Murano Review','','inherit','open','closed','','2015-nissan-murano-review-3','','','2016-04-22 00:35:42','2016-04-22 04:35:42','',10120,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-nissan-murano-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10124,1,'2013-08-02 22:14:30','2013-08-02 22:14:30','Nissan NV200 Stone Brewery Beer Truck \'Kegerator\' at San Diego Padres. Nissan hands the keys of a new top secret, mission critical vehicle to MotoMan: The Stone Brewery \'Kegerator\'. It started life as a Nissan NV200 Panel Van but was customized with three taps to ply Tailgaters with Stone Brewery\'s craft. MotoMan heads to Petco Park to learn the American Pastime of Tailgating from Padres fans, Los Angeles Dodgers Fans and even a faux German or two . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','Nissan NV200 Stone Brewery Beer Truck \'Kegerator\' at San Diego Padres','','publish','open','open','','nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres','','','2013-08-02 22:14:30','2013-08-02 22:14:30','',0,'http://www.l2ocredit.com/2013/08/02/nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres/',0,'post','',0),(10125,0,'2016-04-22 00:52:16','2016-04-22 04:52:16','','Nissan NV200 Stone Brewery Beer Truck &#8216;Kegerator&#8217; at San Diego Padres','','inherit','open','closed','','nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres-2','','','2016-04-22 00:52:16','2016-04-22 04:52:16','',10124,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10126,0,'2016-04-22 00:52:16','2016-04-22 04:52:16','','Nissan NV200 Stone Brewery Beer Truck &#8216;Kegerator&#8217; at San Diego Padres','','inherit','open','closed','','nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres-3','','','2016-04-22 00:52:16','2016-04-22 04:52:16','',10124,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10127,0,'2016-04-22 00:52:16','2016-04-22 04:52:16','','Nissan NV200 Stone Brewery Beer Truck &#8216;Kegerator&#8217; at San Diego Padres','','inherit','open','closed','','nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres-4','','','2016-04-22 00:52:16','2016-04-22 04:52:16','',10124,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10128,0,'2016-04-22 00:52:16','2016-04-22 04:52:16','','Nissan NV200 Stone Brewery Beer Truck &#8216;Kegerator&#8217; at San Diego Padres','','inherit','open','closed','','nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres-5','','','2016-04-22 00:52:16','2016-04-22 04:52:16','',10124,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-nv200-stone-brewery-beer-truck-kegerator-at-san-diego-padres-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(10129,1,'2014-06-13 16:43:02','2014-06-13 16:43:02','The Scion FR-S, Subaru BRZ and Toyota 86 are all essentially the same car and together they are probably one of the most misunderstood sports cars sold in America. Misunderstood you ask? Why yes. Many assume that the sexy coupé is rocket ship fast. It\'s not. Many assume the svelte 2-door grips the road like it has claws. It doesn\'t. Many have heard rumours that it wears Toyota Prius tires. It kinda-sorta does. What most people don\'t know however is that these traits combine to create one of the purest, most enjoyable and certainly most affordable rear wheel drive sports cars in America. \n\nIn the same tradition as a classic lightweight English sports car, the 2+2 Scion FR-S\' raison d\'être isn\'t to eat Ford Mustangs for breakfast, it\'s mission is to be the best balanced track car. And it succeeds. The 200HP and 151 lb-ft of torque are unquestionably low for our modern era where even a Camry cranks out more power, but the power is perfectly balanced to the car\'s weight AND grip. The low-rolling resistance tires allow the FR-S to get just the right amount of tail-happy on a small track and the manual transmission is perfectly suited to an autocross style event. \n\nSure, putting the FR-S on a larger track like Mazda Raceway Laguna Seca reveals the FR-S is out-gunned by plenty of rivals, but doing so also misses the point. I like to think of the Scion/Toyota/Subaru as baby\'s first track car, the kind of car you can use to hone your driving skills before moving up to a more-powerful, faster and deadlier vehicle. The key to loving this low-slung 2+2 is to understand what it is, and most importantly: what it isn\'t.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 / 2015 Scion FR-S (AKA Subaru BRZ &amp; Toyota 86) Review and Road Test - DETAILED','','publish','open','open','','2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed','','','2014-06-13 16:43:02','2014-06-13 16:43:02','',0,'http://www.l2ocredit.com/2014/06/13/2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed/',0,'post','',0),(10130,0,'2016-04-22 01:09:31','2016-04-22 05:09:31','','2014 / 2015 Scion FR-S (AKA Subaru BRZ &amp; Toyota 86) Review and Road Test &#8211; DETAILED','','inherit','open','closed','','2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed-2','','','2016-04-22 01:09:31','2016-04-22 05:09:31','',10129,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10131,0,'2016-04-22 01:09:31','2016-04-22 05:09:31','','2014 / 2015 Scion FR-S (AKA Subaru BRZ &amp; Toyota 86) Review and Road Test &#8211; DETAILED','','inherit','open','closed','','2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed-3','','','2016-04-22 01:09:31','2016-04-22 05:09:31','',10129,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10132,0,'2016-04-22 01:09:32','2016-04-22 05:09:32','','2014 / 2015 Scion FR-S (AKA Subaru BRZ &amp; Toyota 86) Review and Road Test &#8211; DETAILED','','inherit','open','closed','','2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed-4','','','2016-04-22 01:09:32','2016-04-22 05:09:32','',10129,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10133,0,'2016-04-22 01:09:32','2016-04-22 05:09:32','','2014 / 2015 Scion FR-S (AKA Subaru BRZ &amp; Toyota 86) Review and Road Test &#8211; DETAILED','','inherit','open','closed','','2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed-5','','','2016-04-22 01:09:32','2016-04-22 05:09:32','',10129,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-scion-fr-s-aka-subaru-brz-toyota-86-review-and-road-test-detailed-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(10134,1,'2011-11-14 05:51:58','2011-11-14 05:51:58','2009 Dodge Grand Caravan review from www.motormouth.ca','2009 Dodge Grand Caravan review','','publish','open','open','','2009-dodge-grand-caravan-review','','','2011-11-14 05:51:58','2011-11-14 05:51:58','',0,'http://www.l2ocredit.com/2011/11/14/2009-dodge-grand-caravan-review/',0,'post','',0),(10135,0,'2016-04-22 02:35:48','2016-04-22 06:35:48','','2009 Dodge Grand Caravan review','','inherit','open','closed','','2009-dodge-grand-caravan-review-2','','','2016-04-22 02:35:48','2016-04-22 06:35:48','',10134,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-dodge-grand-caravan-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10136,0,'2016-04-22 02:35:48','2016-04-22 06:35:48','','2009 Dodge Grand Caravan review','','inherit','open','closed','','2009-dodge-grand-caravan-review-3','','','2016-04-22 02:35:48','2016-04-22 06:35:48','',10134,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-dodge-grand-caravan-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10137,1,'2014-07-26 19:59:31','2014-07-26 19:59:31','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4.5/5 \nPowertrain Options: 3.6 L V6, 2.0 L 4-Cylinder Turbo, 3.6 L Twin Turbo V6 with an 6-Speed or 8-Speed Automatic RWD or AWD \nEngine &amp; Performance\nBASE ENGINE SIZE 3.6 L\nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS V6 \nVALVES 24\nVALVE TIMING Variable \nTORQUE 275 ft-lbs. @ 4800 rpm\nHORSEPOWER 321 hp @ 6800 rpm \nTURNING CIRCLE 39.0 ft.\nFuel\nFUEL TYPE Flex-fuel (FFV) \nFUEL TYPE Flex-fuel (unleaded/E85)\nFUEL TANK CAPACITY 19.0 gal. \nRANGE IN MILES (CTY/HWY) 342.0/494.0 mi.\nEPA MILEAGE EST. (CTY/HWY) 18/26 mpg \nWarranty\nBASIC 4 yr./ 50000 mi. \nDRIVETRAIN 6 yr./ 70000 mi.\nFREE MAINTENANCE 4 yr./ 50000 mi. \nROADSIDE 6 yr./ 70000 mi.\nRUST 4 yr./ 50000 mi.   \nWeights and Capacities\nMAXIMUM TOWING CAPACITY** 1000 lbs. \nEPA INTERIOR VOLUME 110.7 cu.ft.\nCURB WEIGHT 3882 lbs. \nCARGO CAPACITY, ALL SEATS IN PLACE \nCompetitors: Mercedes E Class, BMW 5 Series, Audi A6','2015 Cadillac CTS Start Up and Review 3.6 L V6','','publish','open','open','','2015-cadillac-cts-start-up-and-review-3-6-l-v6','','','2014-07-26 19:59:31','2014-07-26 19:59:31','',0,'http://www.l2ocredit.com/2014/07/26/2015-cadillac-cts-start-up-and-review-3-6-l-v6/',0,'post','',0),(10138,0,'2016-04-22 02:53:49','2016-04-22 06:53:49','','2015 Cadillac CTS Start Up and Review 3.6 L V6','','inherit','open','closed','','2015-cadillac-cts-start-up-and-review-3-6-l-v6-2','','','2016-04-22 02:53:49','2016-04-22 06:53:49','',10137,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-cadillac-cts-start-up-and-review-3-6-l-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10139,0,'2016-04-22 02:53:49','2016-04-22 06:53:49','','2015 Cadillac CTS Start Up and Review 3.6 L V6','','inherit','open','closed','','2015-cadillac-cts-start-up-and-review-3-6-l-v6-3','','','2016-04-22 02:53:49','2016-04-22 06:53:49','',10137,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-cadillac-cts-start-up-and-review-3-6-l-v6-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10140,0,'2016-04-22 02:53:49','2016-04-22 06:53:49','','2015 Cadillac CTS Start Up and Review 3.6 L V6','','inherit','open','closed','','2015-cadillac-cts-start-up-and-review-3-6-l-v6-4','','','2016-04-22 02:53:49','2016-04-22 06:53:49','',10137,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-cadillac-cts-start-up-and-review-3-6-l-v6-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10141,1,'2014-08-05 06:00:01','2014-08-05 06:00:01','With so many options to choose from, picking the compact sedan that best suits your tastes and needs is more difficult than ever. And that\'s where this comparison comes into play. We drove six of the most popular compact sedans - a Ford Focus, Honda Civic, Kia Forte, Mazda3, Nissan Sentra, and Toyota Corolla - hundreds of miles over two days down the California coast to the San Diego area and back to Orange County to flesh out their differences.\n\nClick here for the complete 2014 compact sedan comparison test:\nhttp://www.kbb.com/car-news/all-the-latest/2014-compact_sedan-comparison-test-packing-more-for-less/2000010986/ \n\n*Our comparison tests are different from most in that we keep the focus on comparison, not competition. We don\'t pick winners and losers because the right choice for one buyer is the wrong choice for another. Our goal here is not to tell you which small car to buy, but to make it easier for you to decide which is best for you.\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, comparison tests, and technology reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb','2014 Compact Car Comparison Test - Kelley Blue Book','','publish','open','open','','2014-compact-car-comparison-test-kelley-blue-book','','','2014-08-05 06:00:01','2014-08-05 06:00:01','',0,'http://www.l2ocredit.com/2014/08/05/2014-compact-car-comparison-test-kelley-blue-book/',0,'post','',0),(10142,0,'2016-04-22 03:09:47','2016-04-22 07:09:47','','2014 Compact Car Comparison Test &#8211; Kelley Blue Book','','inherit','open','closed','','2014-compact-car-comparison-test-kelley-blue-book-2','','','2016-04-22 03:09:47','2016-04-22 07:09:47','',10141,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-compact-car-comparison-test-kelley-blue-book-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10143,0,'2016-04-22 03:09:47','2016-04-22 07:09:47','','2014 Compact Car Comparison Test &#8211; Kelley Blue Book','','inherit','open','closed','','2014-compact-car-comparison-test-kelley-blue-book-3','','','2016-04-22 03:09:47','2016-04-22 07:09:47','',10141,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-compact-car-comparison-test-kelley-blue-book-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10144,0,'2016-04-22 03:09:47','2016-04-22 07:09:47','','2014 Compact Car Comparison Test &#8211; Kelley Blue Book','','inherit','open','closed','','2014-compact-car-comparison-test-kelley-blue-book-4','','','2016-04-22 03:09:47','2016-04-22 07:09:47','',10141,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-compact-car-comparison-test-kelley-blue-book-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10145,1,'2015-03-24 12:46:22','2015-03-24 12:46:22','Have you been saving loose change? You’re going to need every dollar you can get your grubby meat hooks on. Join us as we run through the Top 10 Most Expensive Cars on The Short List!\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','Top 10 Most Expensive Cars - The Short List','','publish','open','open','','top-10-most-expensive-cars-the-short-list','','','2015-03-24 12:46:22','2015-03-24 12:46:22','',0,'http://www.l2ocredit.com/2015/03/24/top-10-most-expensive-cars-the-short-list/',0,'post','',0),(10146,0,'2016-04-22 03:27:27','2016-04-22 07:27:27','','Top 10 Most Expensive Cars &#8211; The Short List','','inherit','open','closed','','top-10-most-expensive-cars-the-short-list-2','','','2016-04-22 03:27:27','2016-04-22 07:27:27','',10145,'http://www.l2ocredit.com/wp-content/uploads/2016/04/top-10-most-expensive-cars-the-short-list-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10147,0,'2016-04-22 03:27:27','2016-04-22 07:27:27','','Top 10 Most Expensive Cars &#8211; The Short List','','inherit','open','closed','','top-10-most-expensive-cars-the-short-list-3','','','2016-04-22 03:27:27','2016-04-22 07:27:27','',10145,'http://www.l2ocredit.com/wp-content/uploads/2016/04/top-10-most-expensive-cars-the-short-list-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10148,1,'2013-07-08 18:05:56','2013-07-08 18:05:56','MotoMan &amp; Inside the MotoMan Studio moves to The Petersen Automotive Museum -- First Guest: SRT CEO Ralph Gilles. To mark almost 200 episodes and our 4th Birthday we are moving . . . to The Petersen Automotive Museum on museum row in Los Angeles, California! Be part of the show every month at our LIVE Inside the MotoMan Studio series where we talk with the key people shaping the car industry. There is even a Q&amp;A portion where audience members and MotoManTV facebook &amp; Twitter followers can ask questions of the guests like Bob Lutz during the live stream. MotoMan discusses the move in this introduction to The Petersen Automotive Museum and Inside the MotoMan Studio series. \n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV\n\nPetersen Automotive Museum Event Calendar:\nhttp:.//www.petersen.org/visit/museum-events','MotoManTV moves to The Petersen Automotive Museum -- First Guest: SRT CEO Ralph Gilles','','publish','open','open','','motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles','','','2013-07-08 18:05:56','2013-07-08 18:05:56','',0,'http://www.l2ocredit.com/2013/07/08/motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles/',0,'post','',0),(10149,0,'2016-04-22 04:01:20','2016-04-22 08:01:20','','MotoManTV moves to The Petersen Automotive Museum &#8212; First Guest: SRT CEO Ralph Gilles','','inherit','open','closed','','motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles-2','','','2016-04-22 04:01:20','2016-04-22 08:01:20','',10148,'http://www.l2ocredit.com/wp-content/uploads/2016/04/motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10150,0,'2016-04-22 04:01:21','2016-04-22 08:01:21','','MotoManTV moves to The Petersen Automotive Museum &#8212; First Guest: SRT CEO Ralph Gilles','','inherit','open','closed','','motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles-3','','','2016-04-22 04:01:21','2016-04-22 08:01:21','',10148,'http://www.l2ocredit.com/wp-content/uploads/2016/04/motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10151,0,'2016-04-22 04:01:21','2016-04-22 08:01:21','','MotoManTV moves to The Petersen Automotive Museum &#8212; First Guest: SRT CEO Ralph Gilles','','inherit','open','closed','','motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles-4','','','2016-04-22 04:01:21','2016-04-22 08:01:21','',10148,'http://www.l2ocredit.com/wp-content/uploads/2016/04/motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10152,0,'2016-04-22 04:01:21','2016-04-22 08:01:21','','MotoManTV moves to The Petersen Automotive Museum &#8212; First Guest: SRT CEO Ralph Gilles','','inherit','open','closed','','motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles-5','','','2016-04-22 04:01:21','2016-04-22 08:01:21','',10148,'http://www.l2ocredit.com/wp-content/uploads/2016/04/motomantv-moves-to-the-petersen-automotive-museum-first-guest-srt-ceo-ralph-gilles-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(10153,1,'2014-06-13 16:17:44','2014-06-13 16:17:44','For 2014 Scion has tweaked their 6.1-inch touchscreen audio head unit and made it standard across the Scion line in America. The Pioneer sourced head unit has a standard iPod/iDevice/USB interface and HD Radio in addition to the CD player and AM/FM tuner. If you feel particularly spendy you can get the nearly $1200 BeSpoke premium package (temporarily available for around $500) which adds smartphone app integration and smartphone based navigation (via that MAP button). Unlike the 2013 BeSpoke system, the refreshed 2014 model now supports Android phones with the BeSpoke upgrade.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 Scion Touchscreen Audio Infotainment Review','','publish','open','open','','2014-scion-touchscreen-audio-infotainment-review','','','2014-06-13 16:17:44','2014-06-13 16:17:44','',0,'http://www.l2ocredit.com/2014/06/13/2014-scion-touchscreen-audio-infotainment-review/',0,'post','',0),(10154,0,'2016-04-22 04:17:26','2016-04-22 08:17:26','','2014 Scion Touchscreen Audio Infotainment Review','','inherit','open','closed','','2014-scion-touchscreen-audio-infotainment-review-2','','','2016-04-22 04:17:26','2016-04-22 08:17:26','',10153,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-scion-touchscreen-audio-infotainment-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10155,1,'2011-11-14 05:42:17','2011-11-14 05:42:17','2009 Ford F150 review from www.motormouth.ca','2009 Ford F150 review','','publish','open','open','','2009-ford-f150-review','','','2011-11-14 05:42:17','2011-11-14 05:42:17','',0,'http://www.l2ocredit.com/2011/11/14/2009-ford-f150-review/',0,'post','',0),(10156,0,'2016-04-22 05:21:56','2016-04-22 09:21:56','','2009 Ford F150 review','','inherit','open','closed','','2009-ford-f150-review-2','','','2016-04-22 05:21:56','2016-04-22 09:21:56','',10155,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-ford-f150-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10157,0,'2016-04-22 05:21:56','2016-04-22 09:21:56','','2009 Ford F150 review','','inherit','open','closed','','2009-ford-f150-review-2','','','2016-04-22 05:21:56','2016-04-22 09:21:56','',10155,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-ford-f150-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10158,0,'2016-04-22 05:21:57','2016-04-22 09:21:57','','2009 Ford F150 review','','inherit','open','closed','','2009-ford-f150-review-3','','','2016-04-22 05:21:57','2016-04-22 09:21:57','',10155,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-ford-f150-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10159,1,'2014-07-25 17:47:43','2014-07-25 17:47:43','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 5/5  \nPowertrain Options: 3.0 L Supercharged V6, 2.0 L 4-Cylinder Turbo, 3.0 L Turbo Diesel V6 with an 8-Speed auto or CVT RWD or AWD\nEngine &amp; Performance\nBASE ENGINE SIZE 3.0 L\nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS V6 \nVALVES 24\nVALVE TIMING Variable \nTORQUE 325 ft-lbs. @ 2900 rpm\nHORSEPOWER 310 hp @ 5500 rpm \nTURNING CIRCLE 39.0 ft. \nFuel\nENGINE TYPE Gas \nFUEL TYPE Premium unleaded (required)\nFUEL TANK CAPACITY 19.8 gal. \nRANGE IN MILES (CTY/HWY) 356.4/534.6 mi.\nEPA MILEAGE EST. (CTY/HWY) 18/27 mpg \nWeights and Capacities\nEPA INTERIOR VOLUME 112.1 cu.ft. \nDRAG COEFFICIENT 0.28 Cd\nCURB WEIGHT 4101 lbs. \nCARGO CAPACITY, ALL SEATS IN PLACE 14.1 cu.ft.  \nWarranty\nBASIC 4 yr./ 50000 mi. \nDRIVETRAIN 4 yr./ 50000 mi.\nFREE MAINTENANCE 1 yr./ 5000 mi.  \nCompetitors: Cadillac CTS, BMW 5 Series, Mercedes E Class','2014 Audi A6 Start Up and Review 3.0 L Supercharged V6','','publish','open','open','','2014-audi-a6-start-up-and-review-3-0-l-supercharged-v6','','','2014-07-25 17:47:43','2014-07-25 17:47:43','',0,'http://www.l2ocredit.com/2014/07/25/2014-audi-a6-start-up-and-review-3-0-l-supercharged-v6/',0,'post','',0),(10160,0,'2016-04-22 05:39:49','2016-04-22 09:39:49','','2014 Audi A6 Start Up and Review 3.0 L Supercharged V6','','inherit','open','closed','','2014-audi-a6-start-up-and-review-3-0-l-supercharged-v6-2','','','2016-04-22 05:39:49','2016-04-22 09:39:49','',10159,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-audi-a6-start-up-and-review-3-0-l-supercharged-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10161,0,'2016-04-22 05:39:50','2016-04-22 09:39:50','','2014 Audi A6 Start Up and Review 3.0 L Supercharged V6','','inherit','open','closed','','2014-audi-a6-start-up-and-review-3-0-l-supercharged-v6-3','','','2016-04-22 05:39:50','2016-04-22 09:39:50','',10159,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-audi-a6-start-up-and-review-3-0-l-supercharged-v6-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10162,1,'2014-07-28 11:00:02','2014-07-28 11:00:02','BMW could\'ve taken the predictable route and developed another traditional halo car like the Audi R8 or Mercedes-Benz AMG GT, but instead doubled down on its philosophy of \"Efficient Dynamics\" and produced a sports car for today\'s more progressive driving enthusiast: the i8. \n\nFor the latest i8 pricing and information:\nhttp://www.kbb.com/bmw/i8/2014-bmw-i8/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Zach Vlasuk on Twitter, please visit: http://www.twitter.com/zachvlasuk','2015 BMW i8 - Review and Road Test','','publish','open','open','','2015-bmw-i8-review-and-road-test','','','2014-07-28 11:00:02','2014-07-28 11:00:02','',0,'http://www.l2ocredit.com/2014/07/28/2015-bmw-i8-review-and-road-test/',0,'post','',0),(10163,0,'2016-04-22 05:54:55','2016-04-22 09:54:55','','2015 BMW i8 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i8-review-and-road-test-2','','','2016-04-22 05:54:55','2016-04-22 09:54:55','',10162,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i8-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10164,0,'2016-04-22 05:54:55','2016-04-22 09:54:55','','2015 BMW i8 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i8-review-and-road-test-2','','','2016-04-22 05:54:55','2016-04-22 09:54:55','',10162,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i8-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10165,0,'2016-04-22 05:54:55','2016-04-22 09:54:55','','2015 BMW i8 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i8-review-and-road-test-3','','','2016-04-22 05:54:55','2016-04-22 09:54:55','',10162,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i8-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10166,0,'2016-04-22 05:54:55','2016-04-22 09:54:55','','2015 BMW i8 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i8-review-and-road-test-4','','','2016-04-22 05:54:55','2016-04-22 09:54:55','',10162,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i8-review-and-road-test-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(10167,0,'2016-04-22 05:54:56','2016-04-22 09:54:56','','2015 BMW i8 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i8-review-and-road-test-5','','','2016-04-22 05:54:56','2016-04-22 09:54:56','',10162,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i8-review-and-road-test-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(10168,1,'2015-03-18 16:00:10','2015-03-18 16:00:10','Mercedes, Audi and BMW all currently sell a diesel compact CUV with a turbocharged diesel engine. But there is a luxury automobile manufacturer lurking in the shadows, looking to disrupt the German stranglehold on small fuel-sipping luxury CUVs. That company is Lexus.\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2015 BMW X3 xDrive28d vs. 2015 Lexus NX 300h','','publish','open','open','','2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h','','','2015-03-18 16:00:10','2015-03-18 16:00:10','',0,'http://www.l2ocredit.com/2015/03/18/2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h/',0,'post','',0),(10169,0,'2016-04-22 06:21:57','2016-04-22 10:21:57','','2015 BMW X3 xDrive28d vs. 2015 Lexus NX 300h','','inherit','open','closed','','2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-2','','','2016-04-22 06:21:57','2016-04-22 10:21:57','',10168,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10170,0,'2016-04-22 06:21:57','2016-04-22 10:21:57','','2015 BMW X3 xDrive28d vs. 2015 Lexus NX 300h','','inherit','open','closed','','2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-3','','','2016-04-22 06:21:57','2016-04-22 10:21:57','',10168,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10171,0,'2016-04-22 06:21:57','2016-04-22 10:21:57','','2015 BMW X3 xDrive28d vs. 2015 Lexus NX 300h','','inherit','open','closed','','2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-3','','','2016-04-22 06:21:57','2016-04-22 10:21:57','',10168,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10172,0,'2016-04-22 06:21:58','2016-04-22 10:21:58','','2015 BMW X3 xDrive28d vs. 2015 Lexus NX 300h','','inherit','open','closed','','2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-4','','','2016-04-22 06:21:58','2016-04-22 10:21:58','',10168,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10173,0,'2016-04-22 06:21:58','2016-04-22 10:21:58','','2015 BMW X3 xDrive28d vs. 2015 Lexus NX 300h','','inherit','open','closed','','2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-5','','','2016-04-22 06:21:58','2016-04-22 10:21:58','',10168,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(10174,0,'2016-04-22 06:21:58','2016-04-22 10:21:58','','2015 BMW X3 xDrive28d vs. 2015 Lexus NX 300h','','inherit','open','closed','','2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-6','','','2016-04-22 06:21:58','2016-04-22 10:21:58','',10168,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-x3-xdrive28d-vs-2015-lexus-nx-300h-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(10175,1,'2013-07-03 17:03:38','2013-07-03 17:03:38','Ford F150 Tremor EcoBoost V6 Turbo Shortbed Pickup Truck 2014. MotoMan heads to Ford\'s Dearborn Development Center Proving Grounds to check out the Ford F150 Truck line up and finds a new addition to the family, a Twin Turbo shortbed pickup with 420 lb ft of torque!\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','Ford F150 Tremor EcoBoost V6 Turbo Shortbed Pickup Truck 2014','','publish','open','open','','ford-f150-tremor-ecoboost-v6-turbo-shortbed-pickup-truck-2014','','','2013-07-03 17:03:38','2013-07-03 17:03:38','',0,'http://www.l2ocredit.com/2013/07/03/ford-f150-tremor-ecoboost-v6-turbo-shortbed-pickup-truck-2014/',0,'post','',0),(10176,0,'2016-04-22 06:39:42','2016-04-22 10:39:42','','Ford F150 Tremor EcoBoost V6 Turbo Shortbed Pickup Truck 2014','','inherit','open','closed','','ford-f150-tremor-ecoboost-v6-turbo-shortbed-pickup-truck-2014-2','','','2016-04-22 06:39:42','2016-04-22 10:39:42','',10175,'http://www.l2ocredit.com/wp-content/uploads/2016/04/ford-f150-tremor-ecoboost-v6-turbo-shortbed-pickup-truck-2014-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10177,0,'2016-04-22 06:39:42','2016-04-22 10:39:42','','Ford F150 Tremor EcoBoost V6 Turbo Shortbed Pickup Truck 2014','','inherit','open','closed','','ford-f150-tremor-ecoboost-v6-turbo-shortbed-pickup-truck-2014-3','','','2016-04-22 06:39:42','2016-04-22 10:39:42','',10175,'http://www.l2ocredit.com/wp-content/uploads/2016/04/ford-f150-tremor-ecoboost-v6-turbo-shortbed-pickup-truck-2014-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10178,0,'2016-04-22 06:39:42','2016-04-22 10:39:42','','Ford F150 Tremor EcoBoost V6 Turbo Shortbed Pickup Truck 2014','','inherit','open','closed','','ford-f150-tremor-ecoboost-v6-turbo-shortbed-pickup-truck-2014-4','','','2016-04-22 06:39:42','2016-04-22 10:39:42','',10175,'http://www.l2ocredit.com/wp-content/uploads/2016/04/ford-f150-tremor-ecoboost-v6-turbo-shortbed-pickup-truck-2014-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10179,1,'2014-06-12 20:54:46','2014-06-12 20:54:46','Today I squeeze myself in the back of as 2014 Subaru FR-S to answer the question: how family friendly is a 2+2 coupe?\nStatistics powered by ChannelMeter http://channelmeter.com','2014 Scion FR S and 2014  Subaru BRZ Child Seat Review','','publish','open','open','','2014-scion-fr-s-and-2014-subaru-brz-child-seat-review','','','2014-06-12 20:54:46','2014-06-12 20:54:46','',0,'http://www.l2ocredit.com/2014/06/12/2014-scion-fr-s-and-2014-subaru-brz-child-seat-review/',0,'post','',0),(10180,0,'2016-04-22 06:56:40','2016-04-22 10:56:40','','2014 Scion FR S and 2014  Subaru BRZ Child Seat Review','','inherit','open','closed','','2014-scion-fr-s-and-2014-subaru-brz-child-seat-review-2','','','2016-04-22 06:56:40','2016-04-22 10:56:40','',10179,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-scion-fr-s-and-2014-subaru-brz-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10181,0,'2016-04-22 06:56:40','2016-04-22 10:56:40','','2014 Scion FR S and 2014  Subaru BRZ Child Seat Review','','inherit','open','closed','','2014-scion-fr-s-and-2014-subaru-brz-child-seat-review-3','','','2016-04-22 06:56:40','2016-04-22 10:56:40','',10179,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-scion-fr-s-and-2014-subaru-brz-child-seat-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10182,0,'2016-04-22 06:56:40','2016-04-22 10:56:40','','2014 Scion FR S and 2014  Subaru BRZ Child Seat Review','','inherit','open','closed','','2014-scion-fr-s-and-2014-subaru-brz-child-seat-review-3','','','2016-04-22 06:56:40','2016-04-22 10:56:40','',10179,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-scion-fr-s-and-2014-subaru-brz-child-seat-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10183,1,'2011-11-14 05:35:55','2011-11-14 05:35:55','2009 Lexus ISF review from www.motormouth.ca','2009 Lexus ISF review','','publish','open','open','','2009-lexus-isf-review','','','2011-11-14 05:35:55','2011-11-14 05:35:55','',0,'http://www.l2ocredit.com/2011/11/14/2009-lexus-isf-review/',0,'post','',0),(10184,0,'2016-04-22 08:00:19','2016-04-22 12:00:19','','2009 Lexus ISF review','','inherit','open','closed','','2009-lexus-isf-review-2','','','2016-04-22 08:00:19','2016-04-22 12:00:19','',10183,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-lexus-isf-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10185,0,'2016-04-22 08:00:20','2016-04-22 12:00:20','','2009 Lexus ISF review','','inherit','open','closed','','2009-lexus-isf-review-3','','','2016-04-22 08:00:20','2016-04-22 12:00:20','',10183,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-lexus-isf-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10186,0,'2016-04-22 08:00:20','2016-04-22 12:00:20','','2009 Lexus ISF review','','inherit','open','closed','','2009-lexus-isf-review-4','','','2016-04-22 08:00:20','2016-04-22 12:00:20','',10183,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-lexus-isf-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10187,1,'2014-07-22 16:54:05','2014-07-22 16:54:05','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4.5/5 \nPowertrain Options: 2.4 L 4-Cylinder or 3.6 L 6-Cylinder with a CVT Auto AWD \nEngine &amp; Performance\nBASE ENGINE SIZE 2.5 L \nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS Flat 4 \nVALVES 16\nVALVE TIMING Variable \nTORQUE 174 ft-lbs. @ 4000 rpm\nHORSEPOWER 175 hp @ 5800 rpm \nTURNING CIRCLE 36.8 ft.\nFuel\nENGINE TYPE Gas \nFUEL TYPE Regular unleaded\nFUEL TANK CAPACITY 18.5 gal. \nRANGE IN MILES (CTY/HWY) 481.0/666.0 mi.\nEPA MILEAGE EST. (CTY/HWY) 26/36 mpg \nWarranty\nBASIC 3 yr./ 36000 mi. \nDRIVETRAIN 5 yr./ 60000 mi.\nROADSIDE 3 yr./ 36000 mi. \nCompetitors: Toyota Camry, Honda Accord, Chevrolet Malibu, Volkswagen Passat, Kia Optima, Hyundai Sonata, Nissan Altima, Ford Fusion','2015 Subaru Legacy Start Up and Review 2.5 L 4-Cylinder','','publish','open','open','','2015-subaru-legacy-start-up-and-review-2-5-l-4-cylinder','','','2014-07-22 16:54:05','2014-07-22 16:54:05','',0,'http://www.l2ocredit.com/2014/07/22/2015-subaru-legacy-start-up-and-review-2-5-l-4-cylinder/',0,'post','',0),(10188,0,'2016-04-22 08:26:24','2016-04-22 12:26:24','','2015 Subaru Legacy Start Up and Review 2.5 L 4-Cylinder','','inherit','open','closed','','2015-subaru-legacy-start-up-and-review-2-5-l-4-cylinder-2','','','2016-04-22 08:26:24','2016-04-22 12:26:24','',10187,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-subaru-legacy-start-up-and-review-2-5-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10189,0,'2016-04-22 08:26:24','2016-04-22 12:26:24','','2015 Subaru Legacy Start Up and Review 2.5 L 4-Cylinder','','inherit','open','closed','','2015-subaru-legacy-start-up-and-review-2-5-l-4-cylinder-3','','','2016-04-22 08:26:24','2016-04-22 12:26:24','',10187,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-subaru-legacy-start-up-and-review-2-5-l-4-cylinder-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10190,1,'2016-04-22 08:04:09','2016-04-22 12:04:09','<div id=\"attachment_120794\" style=\"width: 1034px\" class=\"wp-caption aligncenter\"><img class=\"size-large wp-image-120794\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-1024x690.jpg\" alt=\"(Barrett &amp; MacKay/Getty Images)\" width=\"1024\" height=\"690\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-300x202.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-1024x690.jpg 1024w, http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-660x444.jpg 660w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" /><p class=\"wp-caption-text\">(Barrett &amp; MacKay/Getty Images)</p></div>\n<p><b></b><span style=\"font-weight: 400;\">Vancouver&#8217;s real estate market is messed up. It&#8217;s really messed up. As a result it&#8217;s attracted a lot of attention. From media reports, to provincial scrutiny, to self-regulatory board actions, Canada&#8217;s most expensive real estate market is under the proverbial microscope. But what do we know for sure? Here’s a round-up of eight factors that are helping to push prices through the stratosphere in Vancouver and the lower mainland. </span></p>\n<h3><b>Factor #1. Foreign buyers</b></h3>\n<p><span style=\"font-weight: 400;\">It’s not very Canadian to discuss the impact of immigration, particularly if it’s negative. But the truth is the Vancouver real estate market <em>has</em> felt the impact of foreign money—in particular, money from rich foreigners. Much of this money comes from mainland China. Also not a very Canadian thing to say. But it’s true. How do we know? Because the phenomenon has been tracked, studied and recorded—and not just in Vancouver. </span></p>\n<p>Data collected by David Ley shows how, over the last few decades, metro Vancouver has become similar to other Pacific Rim “gateway” cities, such as Hong Kong, Singapore, London and Sydney. Each of these gateway cities have rising housing costs that are fuelled by high immigration-driven population growth and foreign investors.</p>\n<p>“In every one of these cities the market is being driven by something other than owner-occupiers. Not just new immigrants, but investors, including offshore investment,” explains Ley. Through his analysis, Ley discovered that in the last 25 years, there’s been an almost 1-to-1 correlation between Vancouver’s rising real estate prices and the surge in international immigration and offshore investors to this west-coast city.</p>\n<p>Ley isn&#8217;t the only one tracking this trend. University of Waterloo geographer Markus Moos and Queen’s University planner Andrejs Skaburskis back up Ley’s findings. Both Moos and Skaburski concede that Vancouver is an “exceptional” example of how “globalization” can affect a local housing market.</p>\n<p>The biggest contributor to these rising housing prices is that these immigrants not only arrive with great wealth, but continue to earn high incomes outside of Canada. This accumulation and access to money and it’s investment in Vancouver property led to a “decoupling of housing from local labour market participation,” wrote Moos and Skaburskis.</p>\n<p>Even data released by the city of Vancouver backs up the assertions by these scholars. According to district data virtually nine out of 10 newcomers in the past 20 years were born outside the country—mostly in Asia. City data also shows that many of these new property owners are “circulatory migrants”—foreigners who invest in property in Canada while working offshore.</p>\n<p>Some detractors of this data argue that rich foreigners only invest in luxury properties—purchases that don&#8217;t impact neighbourhoods (and prices) where regular, middle-class Vancouverites choose to buy homes. But that’s just not true.</p>\n<p>Ley describes the impact as a “trickle-down effect,” which occurs when rich immigrants and investors push up housing prices across the entire lower mainland real estate market. It’s a phenomenon that Andy Yan, an urban planning researcher and adjunct professor at UBC, has been documenting for years. He turned his <a href=\"http://www.slideshare.net/ayan604/ownership-patterns-of-single-family-homes-sales-on-the-west-side-neighborhoods-of-the-city-of-vancouver-a-case-study\" >data and research</a> into maps that document the growth of home prices in metro Vancouver. In the first map (below) there are virtually no properties east of Main Street listed for over $1 million.</p>\n<div id=\"attachment_153022\" style=\"width: 508px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153022\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014.png\" alt=\"(Andy Yan, 2014 / BTA Works)\" width=\"498\" height=\"421\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014-300x254.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014.png 498w\" sizes=\"(max-width: 498px) 100vw, 498px\" /><p class=\"wp-caption-text\">(Andy Yan, 2014 / BTA Works)</p></div>\n<p><span style=\"font-weight: 400;\">The second map (below) shows 2015 home prices in metro Vancouver. Notice how many of the homes east of Main Street are now priced at $1 million or more. </span></p>\n<div id=\"attachment_153024\" style=\"width: 539px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153024\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015.png\" alt=\"(Andy Yan, 2015 / BTA Works)\" width=\"529\" height=\"408\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015-300x231.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015.png 529w\" sizes=\"(max-width: 529px) 100vw, 529px\" /><p class=\"wp-caption-text\">(Andy Yan, 2015 / BTA Works)</p></div>\n<p><span style=\"font-weight: 400;\">The final map (below) shows 2016 housing prices. Notice how the number of houses selling for over $1 million has increased dramatically. Now, the sea of red spreads past metro Vancouver and into the inner suburbs. </span></p>\n<div id=\"attachment_153026\" style=\"width: 534px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153026\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016.png\" alt=\"(Andy Yan, 2016 / BTA Works) \" width=\"524\" height=\"407\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016-300x233.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016.png 524w\" sizes=\"(max-width: 524px) 100vw, 524px\" /><p class=\"wp-caption-text\">(Andy Yan, 2016 / BTA Works)</p></div>\n<p>“It’s not as if you can draw a clear partition. The property values in the west side influence the prices in the east side. Demand is just deflected, for example, from Kitsilano to Main Street and Commercial Drive,” says Ley. Now, the problem extends well beyond the city limits and into the suburbs.</p>\n<p>“Some investors are buying a few houses at the same time,” states one exasperated reader. “Some of the deals are even arranged remotely from overseas. This will eventually mean that more and more people will have no choice but to look for jobs in other provinces.”</p>\n<h3><b>Factor</b> <b>#2. Ineffective regulation</b></h3>\n<p><span style=\"font-weight: 400;\">But foreign buyers aren’t the only culprits in Vancouver’s messy real estate market. Fast money, unscrupulous people, and a general malaise when it comes to defining and enforcing bad conduct has taken it’s toll on the city. </span></p>\n<p><span style=\"font-weight: 400;\">A recent </span><a href=\"http://www.theglobeandmail.com/news/investigations/inside-a-fast-growing-bc-firm-that-has-home-sellers-crying-foul/article29578417/\"><span style=\"font-weight: 400;\">Globe and Mail investigation</span></a><span style=\"font-weight: 400;\"> found that Vancouver real estate agents who were disciplined for wrongdoing faced fines and suspensions that were nothing short of a joke when compared to the hefty commissions earned on real estate transactions. The Globe’s report showed that of the more than 100 recent disciplinary proceedings, some confidential, the fines averaged out at $4,850. Compare this to the potential commission on a $1.78 million home—the average price paid in metro Vancouver in the first quarter of 2016—which works out to $22,500, and you can see why some agents simply consider these fines as the cost of doing business.</span></p>\n<p>What’s worse is the Globe and Mail investigation found that only a fraction of agents lost their licences over misconduct. Those who did receive a suspension were barred, on average, from practising for six weeks. In comparison the Fraser Valley Real Estate Board—the private board in charge of lower mainland real estate, such as Langley and Abbotsford—is known for much stiffer penalties for realtors that breach ethics or regulations.</p>\n<p>“Some people have done some really bad things and they just get a slap on the wrist,” says Janet Mackenzie, a Vancouver regulatory affairs executive, who spoke to the Globe, late last year. “Having [agents] policing [agents] has shown to not be the best model.”</p>\n<p>Mackenzie actually found herself in the middle of the problem when her own real estate agent forged her signature during a condo deal a few years ago. Mackenzie lodged a complaint with the Real Estate Council of B.C. (RECBC), the self-regulating body for the province’s real estate industry. She had to wait two years before RECBC made a ruling—part of it was public and part was private. Publicly, Mackenzie was told her agent was fined $1,250 and given a four month suspension. Privately, RECBC also imposed a $10,000 fine and banned the agent from using the Multiple Listings Service for a year. But it wasn&#8217;t until the Globe&#8217;s investigation that Mackenzie even learned of this subsequent penalty.</p>\n<p>&nbsp;</p>\n<p>Then there was the recent case that involved New Coast Realty. The brokerage was home to 445 real estate agents and was run by 42-year-old Ze Yu Wu, a permanent resident who moved to Canada from China a year ago, and an unlicensed trainer who taught and encouraged his agents to low-ball and lie to potential sellers in order to earn bigger commissions re-selling the listed homes.</p>\n<blockquote><p><i><span style=\"font-weight: 400;\">In a transcript from the <a href=\"http://www.theglobeandmail.com/real-estate/vancouver/vancouver-real-estate-agents-face-weak-penalties-for-misconduct/article29549072/\" >Globe’s investigation</a>, Wu is heard saying:<br />\n</span></i><span style=\"font-weight: 400;\">“You must print out the lowest prices in the neighbourhood to show to the homeowner. It is very critical to print out low sale prices in the neighbourhood.”</span></p></blockquote>\n<p><span style=\"font-weight: 400;\">Shortly after the release of the Globe&#8217;s investigative report, RECBC swooped in to issue licence conditions on New Coast Realty that included the appointment of a new RECBC-approved broker manager, hiring a trainer that was a licensed realtor and complying with conditions imposed on the firm. Thing is Wu got off relatively scott-free. As an unlicensed trainer (who doesn&#8217;t actually practice real estate sales) he is not bound to the regulations that are imposed on licensed real estate agents. At the heart of these regulations is the notion that a real estate agent must act in their clients’ interests or risk disciplinary action. </span></p>\n<p>Despite the transgressions, New Coast Realty is still operating. And Wu is still making money—and will, as long as realtors pay their office fees and earn a commission.</p>\n<h3><b>Factor #3. Re-emergence of shadow flipping</b></h3>\n<p><span style=\"font-weight: 400;\">The big reason why Wu and other push for quick home sales is because they can then turn around and resell that property to another buyer—usually at a much higher price. The agent has now earned two commissions on one property, usually within weeks of the initial sale of the home. It’s a process known as shadow flipping, although it’s legally known as an assignment sale. </span></p>\n<p>An assignment sale allows the current registered buyer of a property to sell their ownership in the property to another interested buyer, even before the first sale is finalized. The use of assignment sales is most common in the arena of new build condos. It’s not uncommon for Canadian new build condo units to change ownership two, three, even four times before the condo building and its units are actually ready for occupation.</p>\n<p><span style=\"font-weight: 400;\">Here’s the rub: In most provinces in Canada, the sales document does</span><span style=\"font-weight: 400;\"> not automatically give a buyer the option to re-sell their rights to the property. In most provinces, an extra clause or an entirely separate contract must be completed by both the buyer and the initial seller. This helps keep all transactions and intentions totally transparent.</span></p>\n<p><span style=\"font-weight: 400;\">But this isn’t the case if you&#8217;re doing a real estate deal in in B.C.’s lower mainland. In Vancouver, an assignment is part of the assumed package of rights that any seller passes onto the buyer. No other notification is needed, or given, as one </span><a href=\"http://www.theglobeandmail.com/news/national/assignment-flipping-feeding-into-speculative-real-estate-market-in-bc/article28634868/\"><span style=\"font-weight: 400;\">West Vancouver couple</span></a><span style=\"font-weight: 400;\"> learned when their recently sold home was relisted and resold for more than $1 million more than their final sale price. </span></p>\n<p>So much for transparency.</p>\n<p>In the wake of the negative media headlines, RECBC opted to assign an advisory group to come up with deterrents for a list of questionable practices. Under current B.C. law, RECBC or other real estate board, can fine a real estate agent a maximum of $10,000. To put this in perspective, in Alberta and Ontario the maximum fine is $25,000 for similar misconduct.</p>\n<p><span style=\"font-weight: 400;\">Still, the council’s actions might be a little too late. B.C. Premier, Christy Clark, recently promised the potential of provincial regulations that  would impose tougher penalties for those that try to skirt around current and future regulations. One reason why the province may have decided to act independently of the council is that this isn’t the first time B.C.’s lower mainland has faced shadow flipping problems. In the mid-2000s, during a condo boom, assignment sales were so common that some developers put in clauses to forbid them. The rationale was that hot, frothy markets fuelled by money and speculation would drive up the price and could, potentially, create an unsustainable bubble. Not only that, but as early as </span><span style=\"font-weight: 400;\"> <a href=\"http://www.theglobeandmail.com/news/british-columbia/bc-real-estate-council-opens-shadow-flipping-review/article28711920/\" >May 2008</a>, the provincial office of the superintendent of real estate released a consumer alert that warned of the risks associated with the assignment of contracts.</span></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<h3><b>Factor #4. Everything is easier with technology</b></h3>\n<p><span style=\"font-weight: 400;\">Another contributing factor is the ease with which technology as shortened the distance on what used to be a localized economic decision. These days, foreign investor don&#8217;t even need to step foot into Canada to snap up some of the most exclusive real estate in B.C.’s lower mainland. Take, for example, the December 2015 sale of the </span><a href=\"http://www.vancouversun.com/business/Priciest+Metro+Vancouver+homes+draw+buyers+from+China/10875651/story.html\"><span style=\"font-weight: 400;\">$51.8-million Point Grey mansion</span></a><span style=\"font-weight: 400;\"> (that takes up three building lots and overlooks the ocean). The buyer was Mailin Chen, a businessman from mainland China, and it’s reported that he never even left his home, in China, to purchase his new Vancouver mansion. (Nor did he buy the home himself. His Vancouver-based company, Chunghwa Investment (Canada) Co. Ltd, did—a company that was incorporated in March 2010 and has an office on Howe Street in downtown Vancouver.)</span></p>\n<p><span style=\"font-weight: 400;\">While Chen’s transaction was legal and transparent there have been reports that some brokerages and websites aren&#8217;t following the same narrow guidelines when it comes to access to listings. In mid-April of this year, </span><a href=\"http://globalnews.ca/news/2637687/critics-say-new-shanghai-based-website-gives-foreign-buyers-first-dibs-on-vancouver-homes/\"><span style=\"font-weight: 400;\">GlobalNews</span></a><span style=\"font-weight: 400;\"> reported that a </span><a href=\"http://www.vanfun.com/\"><span style=\"font-weight: 400;\">Chinese-language website</span></a><span style=\"font-weight: 400;\">, owned by a company in Shanghai, allegedly pulled information from the Canadian MLS system before the information was made public. As is standard practice throughout most provinces in Canada, all new sales listings are entered into MLS, but aren’t made available to the public for 24 to 72 hours (depending on where you are in Canada). But making this information available to only a segment of the open market has raised </span><span style=\"font-weight: 400;\">concerns that</span><span style=\"font-weight: 400;\"> foreign buyers, investing in Metro Vancouver’s hot real estate market, are getting an unfair jump on new listings. Five days later, RECBC issues a notice stating that they’re looking into the transgression not just on the Vanfun.com site, but also on other similar sites. </span></p>\n<h3><b>Factor #5. Money laundering</b></h3>\n<p><span style=\"font-weight: 400;\">Then there are the growing problems of money laundering, </span><a href=\"http://www.theprovince.com/video+tackling+money+laundering+fraud+evasion+vancouver+real+estate/11821480/story.html\"><span style=\"font-weight: 400;\">fraud and tax evasion</span></a><span style=\"font-weight: 400;\">. </span><span style=\"font-weight: 400;\">The </span><a href=\"https://www.facebook.com/MetroVancouverResidents2016/\"><span style=\"font-weight: 400;\">Housing Action for Local Taxpayers</span></a><span style=\"font-weight: 400;\">, an advocacy group with an aim to hold politicians accountable for housing affordability, </span><a href=\"http://www.theglobeandmail.com/news/national/vancouver-housing-market-vulnerable-to-money-laundering/article29285770/\"><span style=\"font-weight: 400;\">says that</span></a><span style=\"font-weight: 400;\"> “houses have become opaque cash banks where funds from offshore can find nice safe places to hide—and there’s no need to show a return on the investment as the primary objective is to hide the funds from overseas tax authorities.”</span></p>\n<p><span style=\"font-weight: 400;\">Part of the problem is that over the past 12 months, dozens of B.C. real estate brokerages have been caught with “significant” or “very significant” deficiencies, explains </span><a href=\"http://www.theglobeandmail.com/try-it-now/?articleId=27640202\"><span style=\"font-weight: 400;\">The Globe and Mail</span></a><span style=\"font-weight: 400;\">. The discovery was made when the Financial Transactions and Reports Analysis Centre (FinTRAC), which enforces the federal anti-money-laundering laws, decided to step up scrutiny over worries that money, primarily from China, was being laundered through Vancouver real estate. “There were concerns being raised that those in the real estate sector were not fulfilling the obligations under the act,” said FinTRAC spokesperson Darren Gibb. He added that: “The real estate sector is highly vulnerable to money laundering.” As a result of their investigation, FinTRAC found that some real estate agents were neglecting to get proper ID from clients, such as drivers’ licences or passports; failed to verify sources of money; and some brokerage firms simply didn&#8217;t report suspicious or large cash transactions, an obligation under anti-money-laundering laws.</span></p>\n<p><span style=\"font-weight: 400;\">Dan Zitting, chief product officer for Vancouver “big data” analytics firm </span><a href=\"http://www.acl.com/\"><span style=\"font-weight: 400;\">ACL</span></a><span style=\"font-weight: 400;\">, is an expert on detecting patterns of crime in vast pools of data. In recent Globe and Mail and Vancouver Sun interviews, he explained his fears of widespread fraud in B.C.’s property market. “Vancouver real estate is obviously at very high risk for being used as a transfer and holding vehicle for laundered money,” said Zitting, adding that the results of Fintrac’s compliance review “really is quite scary, both for the stability of the housing market and the potential to support and propagate issues of organized crime.”</span></p>\n<p>The Canadian Real Estate Association (CREA), which leads industry training on anti-money-laundering compliance, retorted recently stating that though there were issues, the real problem lay with FinTRAC. CREA called the federal agency’s training webinar “clearly insufficient.” CREA also points out that to help realtors and brokerage, they invested “heavily” in hiring two staff and commissioning outside firms to help bring real estate agents up to speed. “It would be nice if FinTRAC would invest similar time and effort,” said Randall McCauley, CREA’s vice-president of government and public relations. Mr. McCauley calls it “ridiculous” to expect individual real estate agents to have the same infrastructure as banks or casinos to track clients.</p>\n<p>McCauley also points out that the basic infrastructure of the regulations shows a complete “lack of understanding” of the industry. “A huge percentage of our members help individuals sell, then buy a home within days or weeks,” McCauley said. He wonders: Why the increased scrutiny of any buyer who completes two transactions within five years shows?</p>\n<h3><b>Factor #6. The bar is too low</b></h3>\n<p><span style=\"font-weight: 400;\">Despite the problems people keep pouring into the city and into the Vancouver real estate industry. There are now more than 12,400 agents in the Vancouver area—up 24% from five years ago. Some say that the growth in this profession, along with the increased errors and broken regulations, are due, in part,  to the low bar of entry into the field of real estate. One Re/Max realtor stated, in a recent Globe and Mail article, that he wasn’t surprised by all the errors and omissions (and commissions). “It’s too easy to become a realtor in British Columbia, so the level of compliance is going to be a problem,” says Keith Roy, a real estate agent who also sits on the professional-conduct committee of the Real Estate Board of Greater Vancouver (REBGV), the member-based association that represents licensed real estate agents in the area. “The No. 1 way to increase public protection is to have more than a 10-week online course to get your licence.”</span></p>\n<h3><b>Factor #7: Lack of unbiased info</b></h3>\n<p><span style=\"font-weight: 400;\">Vancouver&#8217;s growing housing dilemma has put the city on the top of unaffordable lists everywhere. Recently, Demographia ranked the west coast city as the second most unaffordable city out of 325 around the world. The only city to beat Vancouver from claiming the top spot: Hong Kong. </span></p>\n<p><span style=\"font-weight: 400;\">Part of the problem is that no one wants to <em>appear</em> to be killing the cash cow. Worse, is that reliable, unbiased information is hard to come by. In the last year, Ian Young, a reporter at the South China Morning Post highlighted how the centre run by UBC business professor Tsur Somerville—the academic most often quoted in the media regarding Vancouver&#8217;s housing issues—</span><span style=\"font-weight: 400;\">receives part of its funding from developers. Turns out so do some of the city&#8217;s so-called urban think-tanks—the supposed thought-leaders on urban development. </span></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: 400;\">Yet, those with no personal or professional stake in the discussion—such as <span style=\"font-weight: 400;\">Yan, Elizabeth Murphy, a private-sector project manager, David Wachsmuth, a UBC urban geographer, SFU&#8217;s Andrey Pavlov and B.C’s meticulous urban geographer, </span><span style=\"font-weight: 400;\"><a href=\"http://blogs.vancouversun.com/2014/06/27/why-vancouver-housing-is-unaffordable-and-what-to-do-about-it/\">David Ley (author of Millionaire Migrants)</a>—end up dominating headlines for the wrong reasons. When Ley released his findings last year on the impact of high immigration rates and foreign ownership have on real estate prices, </span></span>Somerville and others tossed out labels of &#8220;racist&#8221; and &#8220;xenophobic.&#8221;</p>\n<h3><b>Factor #8: Vancouver wants to grow</b></h3>\n<p><span style=\"font-weight: 400;\">So, why this push for more homeowners and a greater proportion of international investment money? Because the City of Vancouver wants to grow. City personnel suggest that an increase to market residential zoning needs to expand in order to accommodate the million or more people that will settle in the city by 2041. Problem is, this estimated growth is for the entire lower mainland, with only a small fraction establishing a home in the City of Vancouver.</span></p>\n<p><a href=\"http://www.vancouversun.com/business/Opinion+plan+people+profit/10939128/story.html\"><span style=\"font-weight: 400;\">Elizabeth Murphy</span></a><span style=\"font-weight: 400;\">, a private-sector project manager and former property development officer with the City of Vancouver’s Housing and Properties Department and for BC Housing, believes that the city’s rezoning and building plans are anything but transparent. She is convinced that the push for major builds, such as large condo towers, is motivated by those who will benefit financially. She sees the arguments that there is a lack of supply to be misleading and believes that the city is actually overbuilding by approximately 2,000 units every five years. The key, according to Murphy, is not more housing units, but better suited housing units. She believes metro Vancouverites end up in a position of having to rent out units because the units built are expensive and only “serve to promote Vancouver as an investment commodity rather than a planned community.”</span></p>\n<p>Murphy is also concerned that this will have a long-lasting impact on current residents. “What</p>\n<p><span style=\"font-weight: 400;\">most people don’t understand is that all this growth doesn’t make the city any money. On the contrary, the city has to subsidize all this growth. The development fees collected by the city only cover a small fraction, about 10%, of the actual costs of servicing the infrastructure for development and the population growth it brings. The massive development that has been completed over that last few decades has served to increase property taxes and the city’s debt.”</span></p>\n<p>While some growth in any city is inevitable, Murphy and other critics are trying to open up the discussion about how and what to build. “There are many options as to how growth is implemented. There are choices to be made. A concrete jungle of energy-hog glass towers with ugly and expensive monster houses is not inevitable. We can do better.”</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: 400;\">Up next: How Vancouver&#8217;s unaffordable real estate market could seriously impact the future of this city. </span></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/8-factors-that-really-mess-up-vancouvers-real-estate-prices/\">8 factors that really mess up Vancouver&#8217;s real estate prices</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','8 factors that really mess up Vancouver’s real estate prices','<p>From foreign buyers, to unscrupulous agents, here are the mitigating factors that help to push prices up </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/8-factors-that-really-mess-up-vancouvers-real-estate-prices/\">8 factors that really mess up Vancouver&rsquo;s real estate prices</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-22 08:04:09','2016-04-22 12:04:09','',0,'http://www.moneysense.ca/?p=153020',0,'post','',0),(10191,1,'2016-04-22 08:04:09','2016-04-22 12:04:09','<div id=\"attachment_120794\" style=\"width: 1034px\" class=\"wp-caption aligncenter\"><img class=\"size-large wp-image-120794\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-1024x690.jpg\" alt=\"(Barrett &amp; MacKay/Getty Images)\" width=\"1024\" height=\"690\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-300x202.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-1024x690.jpg 1024w, http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-660x444.jpg 660w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" /><p class=\"wp-caption-text\">(Barrett &amp; MacKay/Getty Images)</p></div>\n<p><b></b><span style=\"font-weight: 400;\">Vancouver&#8217;s real estate market is messed up. It&#8217;s really messed up. As a result it&#8217;s attracted a lot of attention. From media reports, to provincial scrutiny, to self-regulatory board actions, Canada&#8217;s most expensive real estate market is under the proverbial microscope. But what do we know for sure? Here’s a round-up of eight factors that are helping to push prices through the stratosphere in Vancouver and the lower mainland. </span></p>\n<h3><b>Factor #1. Foreign buyers</b></h3>\n<p><span style=\"font-weight: 400;\">It’s not very Canadian to discuss the impact of immigration, particularly if it’s negative. But the truth is the Vancouver real estate market <em>has</em> felt the impact of foreign money—in particular, money from rich foreigners. Much of this money comes from mainland China. Also not a very Canadian thing to say. But it’s true. How do we know? Because the phenomenon has been tracked, studied and recorded—and not just in Vancouver. </span></p>\n<p>Data collected by David Ley shows how, over the last few decades, metro Vancouver has become similar to other Pacific Rim “gateway” cities, such as Hong Kong, Singapore, London and Sydney. Each of these gateway cities have rising housing costs that are fuelled by high immigration-driven population growth and foreign investors.</p>\n<p>“In every one of these cities the market is being driven by something other than owner-occupiers. Not just new immigrants, but investors, including offshore investment,” explains Ley. Through his analysis, Ley discovered that in the last 25 years, there’s been an almost 1-to-1 correlation between Vancouver’s rising real estate prices and the surge in international immigration and offshore investors to this west-coast city.</p>\n<p>Ley isn&#8217;t the only one tracking this trend. University of Waterloo geographer Markus Moos and Queen’s University planner Andrejs Skaburskis back up Ley’s findings. Both Moos and Skaburski concede that Vancouver is an “exceptional” example of how “globalization” can affect a local housing market.</p>\n<p>The biggest contributor to these rising housing prices is that these immigrants not only arrive with great wealth, but continue to earn high incomes outside of Canada. This accumulation and access to money and it’s investment in Vancouver property led to a “decoupling of housing from local labour market participation,” wrote Moos and Skaburskis.</p>\n<p>Even data released by the city of Vancouver backs up the assertions by these scholars. According to district data virtually nine out of 10 newcomers in the past 20 years were born outside the country—mostly in Asia. City data also shows that many of these new property owners are “circulatory migrants”—foreigners who invest in property in Canada while working offshore.</p>\n<p>Some detractors of this data argue that rich foreigners only invest in luxury properties—purchases that don&#8217;t impact neighbourhoods (and prices) where regular, middle-class Vancouverites choose to buy homes. But that’s just not true.</p>\n<p>Ley describes the impact as a “trickle-down effect,” which occurs when rich immigrants and investors push up housing prices across the entire lower mainland real estate market. It’s a phenomenon that Andy Yan, an urban planning researcher and adjunct professor at UBC, has been documenting for years. He turned his <a href=\"http://www.slideshare.net/ayan604/ownership-patterns-of-single-family-homes-sales-on-the-west-side-neighborhoods-of-the-city-of-vancouver-a-case-study\" >data and research</a> into maps that document the growth of home prices in metro Vancouver. In the first map (below) there are virtually no properties east of Main Street listed for over $1 million.</p>\n<div id=\"attachment_153022\" style=\"width: 508px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153022\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014.png\" alt=\"(Andy Yan, 2014 / BTA Works)\" width=\"498\" height=\"421\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014-300x254.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014.png 498w\" sizes=\"(max-width: 498px) 100vw, 498px\" /><p class=\"wp-caption-text\">(Andy Yan, 2014 / BTA Works)</p></div>\n<p><span style=\"font-weight: 400;\">The second map (below) shows 2015 home prices in metro Vancouver. Notice how many of the homes east of Main Street are now priced at $1 million or more. </span></p>\n<div id=\"attachment_153024\" style=\"width: 539px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153024\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015.png\" alt=\"(Andy Yan, 2015 / BTA Works)\" width=\"529\" height=\"408\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015-300x231.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015.png 529w\" sizes=\"(max-width: 529px) 100vw, 529px\" /><p class=\"wp-caption-text\">(Andy Yan, 2015 / BTA Works)</p></div>\n<p><span style=\"font-weight: 400;\">The final map (below) shows 2016 housing prices. Notice how the number of houses selling for over $1 million has increased dramatically. Now, the sea of red spreads past metro Vancouver and into the inner suburbs. </span></p>\n<div id=\"attachment_153026\" style=\"width: 534px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153026\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016.png\" alt=\"(Andy Yan, 2016 / BTA Works) \" width=\"524\" height=\"407\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016-300x233.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016.png 524w\" sizes=\"(max-width: 524px) 100vw, 524px\" /><p class=\"wp-caption-text\">(Andy Yan, 2016 / BTA Works)</p></div>\n<p>“It’s not as if you can draw a clear partition. The property values in the west side influence the prices in the east side. Demand is just deflected, for example, from Kitsilano to Main Street and Commercial Drive,” says Ley. Now, the problem extends well beyond the city limits and into the suburbs.</p>\n<p>“Some investors are buying a few houses at the same time,” states one exasperated reader. “Some of the deals are even arranged remotely from overseas. This will eventually mean that more and more people will have no choice but to look for jobs in other provinces.”</p>\n<h3><b>Factor</b> <b>#2. Ineffective regulation</b></h3>\n<p><span style=\"font-weight: 400;\">But foreign buyers aren’t the only culprits in Vancouver’s messy real estate market. Fast money, unscrupulous people, and a general malaise when it comes to defining and enforcing bad conduct has taken it’s toll on the city. </span></p>\n<p><span style=\"font-weight: 400;\">A recent </span><a href=\"http://www.theglobeandmail.com/news/investigations/inside-a-fast-growing-bc-firm-that-has-home-sellers-crying-foul/article29578417/\"><span style=\"font-weight: 400;\">Globe and Mail investigation</span></a><span style=\"font-weight: 400;\"> found that Vancouver real estate agents who were disciplined for wrongdoing faced fines and suspensions that were nothing short of a joke when compared to the hefty commissions earned on real estate transactions. The Globe’s report showed that of the more than 100 recent disciplinary proceedings, some confidential, the fines averaged out at $4,850. Compare this to the potential commission on a $1.78 million home—the average price paid in metro Vancouver in the first quarter of 2016—which works out to $22,500, and you can see why some agents simply consider these fines as the cost of doing business.</span></p>\n<p>What’s worse is the Globe and Mail investigation found that only a fraction of agents lost their licences over misconduct. Those who did receive a suspension were barred, on average, from practising for six weeks. In comparison the Fraser Valley Real Estate Board—the private board in charge of lower mainland real estate, such as Langley and Abbotsford—is known for much stiffer penalties for realtors that breach ethics or regulations.</p>\n<p>“Some people have done some really bad things and they just get a slap on the wrist,” says Janet Mackenzie, a Vancouver regulatory affairs executive, who spoke to the Globe, late last year. “Having [agents] policing [agents] has shown to not be the best model.”</p>\n<p>Mackenzie actually found herself in the middle of the problem when her own real estate agent forged her signature during a condo deal a few years ago. Mackenzie lodged a complaint with the Real Estate Council of B.C. (RECBC), the self-regulating body for the province’s real estate industry. She had to wait two years before RECBC made a ruling—part of it was public and part was private. Publicly, Mackenzie was told her agent was fined $1,250 and given a four month suspension. Privately, RECBC also imposed a $10,000 fine and banned the agent from using the Multiple Listings Service for a year. But it wasn&#8217;t until the Globe&#8217;s investigation that Mackenzie even learned of this subsequent penalty.</p>\n<p>&nbsp;</p>\n<p>Then there was the recent case that involved New Coast Realty. The brokerage was home to 445 real estate agents and was run by 42-year-old Ze Yu Wu, a permanent resident who moved to Canada from China a year ago, and an unlicensed trainer who taught and encouraged his agents to low-ball and lie to potential sellers in order to earn bigger commissions re-selling the listed homes.</p>\n<blockquote><p><i><span style=\"font-weight: 400;\">In a transcript from the <a href=\"http://www.theglobeandmail.com/real-estate/vancouver/vancouver-real-estate-agents-face-weak-penalties-for-misconduct/article29549072/\" >Globe’s investigation</a>, Wu is heard saying:<br />\n</span></i><span style=\"font-weight: 400;\">“You must print out the lowest prices in the neighbourhood to show to the homeowner. It is very critical to print out low sale prices in the neighbourhood.”</span></p></blockquote>\n<p><span style=\"font-weight: 400;\">Shortly after the release of the Globe&#8217;s investigative report, RECBC swooped in to issue licence conditions on New Coast Realty that included the appointment of a new RECBC-approved broker manager, hiring a trainer that was a licensed realtor and complying with conditions imposed on the firm. Thing is Wu got off relatively scott-free. As an unlicensed trainer (who doesn&#8217;t actually practice real estate sales) he is not bound to the regulations that are imposed on licensed real estate agents. At the heart of these regulations is the notion that a real estate agent must act in their clients’ interests or risk disciplinary action. </span></p>\n<p>Despite the transgressions, New Coast Realty is still operating. And Wu is still making money—and will, as long as realtors pay their office fees and earn a commission.</p>\n<h3><b>Factor #3. Re-emergence of shadow flipping</b></h3>\n<p><span style=\"font-weight: 400;\">The big reason why Wu and other push for quick home sales is because they can then turn around and resell that property to another buyer—usually at a much higher price. The agent has now earned two commissions on one property, usually within weeks of the initial sale of the home. It’s a process known as shadow flipping, although it’s legally known as an assignment sale. </span></p>\n<p>An assignment sale allows the current registered buyer of a property to sell their ownership in the property to another interested buyer, even before the first sale is finalized. The use of assignment sales is most common in the arena of new build condos. It’s not uncommon for Canadian new build condo units to change ownership two, three, even four times before the condo building and its units are actually ready for occupation.</p>\n<p><span style=\"font-weight: 400;\">Here’s the rub: In most provinces in Canada, the sales document does</span><span style=\"font-weight: 400;\"> not automatically give a buyer the option to re-sell their rights to the property. In most provinces, an extra clause or an entirely separate contract must be completed by both the buyer and the initial seller. This helps keep all transactions and intentions totally transparent.</span></p>\n<p><span style=\"font-weight: 400;\">But this isn’t the case if you&#8217;re doing a real estate deal in in B.C.’s lower mainland. In Vancouver, an assignment is part of the assumed package of rights that any seller passes onto the buyer. No other notification is needed, or given, as one </span><a href=\"http://www.theglobeandmail.com/news/national/assignment-flipping-feeding-into-speculative-real-estate-market-in-bc/article28634868/\"><span style=\"font-weight: 400;\">West Vancouver couple</span></a><span style=\"font-weight: 400;\"> learned when their recently sold home was relisted and resold for more than $1 million more than their final sale price. </span></p>\n<p>So much for transparency.</p>\n<p>In the wake of the negative media headlines, RECBC opted to assign an advisory group to come up with deterrents for a list of questionable practices. Under current B.C. law, RECBC or other real estate board, can fine a real estate agent a maximum of $10,000. To put this in perspective, in Alberta and Ontario the maximum fine is $25,000 for similar misconduct.</p>\n<p><span style=\"font-weight: 400;\">Still, the council’s actions might be a little too late. B.C. Premier, Christy Clark, recently promised the potential of provincial regulations that  would impose tougher penalties for those that try to skirt around current and future regulations. One reason why the province may have decided to act independently of the council is that this isn’t the first time B.C.’s lower mainland has faced shadow flipping problems. In the mid-2000s, during a condo boom, assignment sales were so common that some developers put in clauses to forbid them. The rationale was that hot, frothy markets fuelled by money and speculation would drive up the price and could, potentially, create an unsustainable bubble. Not only that, but as early as </span><span style=\"font-weight: 400;\"> <a href=\"http://www.theglobeandmail.com/news/british-columbia/bc-real-estate-council-opens-shadow-flipping-review/article28711920/\" >May 2008</a>, the provincial office of the superintendent of real estate released a consumer alert that warned of the risks associated with the assignment of contracts.</span></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<h3><b>Factor #4. Everything is easier with technology</b></h3>\n<p><span style=\"font-weight: 400;\">Another contributing factor is the ease with which technology as shortened the distance on what used to be a localized economic decision. These days, foreign investor don&#8217;t even need to step foot into Canada to snap up some of the most exclusive real estate in B.C.’s lower mainland. Take, for example, the December 2015 sale of the </span><a href=\"http://www.vancouversun.com/business/Priciest+Metro+Vancouver+homes+draw+buyers+from+China/10875651/story.html\"><span style=\"font-weight: 400;\">$51.8-million Point Grey mansion</span></a><span style=\"font-weight: 400;\"> (that takes up three building lots and overlooks the ocean). The buyer was Mailin Chen, a businessman from mainland China, and it’s reported that he never even left his home, in China, to purchase his new Vancouver mansion. (Nor did he buy the home himself. His Vancouver-based company, Chunghwa Investment (Canada) Co. Ltd, did—a company that was incorporated in March 2010 and has an office on Howe Street in downtown Vancouver.)</span></p>\n<p><span style=\"font-weight: 400;\">While Chen’s transaction was legal and transparent there have been reports that some brokerages and websites aren&#8217;t following the same narrow guidelines when it comes to access to listings. In mid-April of this year, </span><a href=\"http://globalnews.ca/news/2637687/critics-say-new-shanghai-based-website-gives-foreign-buyers-first-dibs-on-vancouver-homes/\"><span style=\"font-weight: 400;\">GlobalNews</span></a><span style=\"font-weight: 400;\"> reported that a </span><a href=\"http://www.vanfun.com/\"><span style=\"font-weight: 400;\">Chinese-language website</span></a><span style=\"font-weight: 400;\">, owned by a company in Shanghai, allegedly pulled information from the Canadian MLS system before the information was made public. As is standard practice throughout most provinces in Canada, all new sales listings are entered into MLS, but aren’t made available to the public for 24 to 72 hours (depending on where you are in Canada). But making this information available to only a segment of the open market has raised </span><span style=\"font-weight: 400;\">concerns that</span><span style=\"font-weight: 400;\"> foreign buyers, investing in Metro Vancouver’s hot real estate market, are getting an unfair jump on new listings. Five days later, RECBC issues a notice stating that they’re looking into the transgression not just on the Vanfun.com site, but also on other similar sites. </span></p>\n<h3><b>Factor #5. Money laundering</b></h3>\n<p><span style=\"font-weight: 400;\">Then there are the growing problems of money laundering, </span><a href=\"http://www.theprovince.com/video+tackling+money+laundering+fraud+evasion+vancouver+real+estate/11821480/story.html\"><span style=\"font-weight: 400;\">fraud and tax evasion</span></a><span style=\"font-weight: 400;\">. </span><span style=\"font-weight: 400;\">The </span><a href=\"https://www.facebook.com/MetroVancouverResidents2016/\"><span style=\"font-weight: 400;\">Housing Action for Local Taxpayers</span></a><span style=\"font-weight: 400;\">, an advocacy group with an aim to hold politicians accountable for housing affordability, </span><a href=\"http://www.theglobeandmail.com/news/national/vancouver-housing-market-vulnerable-to-money-laundering/article29285770/\"><span style=\"font-weight: 400;\">says that</span></a><span style=\"font-weight: 400;\"> “houses have become opaque cash banks where funds from offshore can find nice safe places to hide—and there’s no need to show a return on the investment as the primary objective is to hide the funds from overseas tax authorities.”</span></p>\n<p><span style=\"font-weight: 400;\">Part of the problem is that over the past 12 months, dozens of B.C. real estate brokerages have been caught with “significant” or “very significant” deficiencies, explains </span><a href=\"http://www.theglobeandmail.com/try-it-now/?articleId=27640202\"><span style=\"font-weight: 400;\">The Globe and Mail</span></a><span style=\"font-weight: 400;\">. The discovery was made when the Financial Transactions and Reports Analysis Centre (FinTRAC), which enforces the federal anti-money-laundering laws, decided to step up scrutiny over worries that money, primarily from China, was being laundered through Vancouver real estate. “There were concerns being raised that those in the real estate sector were not fulfilling the obligations under the act,” said FinTRAC spokesperson Darren Gibb. He added that: “The real estate sector is highly vulnerable to money laundering.” As a result of their investigation, FinTRAC found that some real estate agents were neglecting to get proper ID from clients, such as drivers’ licences or passports; failed to verify sources of money; and some brokerage firms simply didn&#8217;t report suspicious or large cash transactions, an obligation under anti-money-laundering laws.</span></p>\n<p><span style=\"font-weight: 400;\">Dan Zitting, chief product officer for Vancouver “big data” analytics firm </span><a href=\"http://www.acl.com/\"><span style=\"font-weight: 400;\">ACL</span></a><span style=\"font-weight: 400;\">, is an expert on detecting patterns of crime in vast pools of data. In recent Globe and Mail and Vancouver Sun interviews, he explained his fears of widespread fraud in B.C.’s property market. “Vancouver real estate is obviously at very high risk for being used as a transfer and holding vehicle for laundered money,” said Zitting, adding that the results of Fintrac’s compliance review “really is quite scary, both for the stability of the housing market and the potential to support and propagate issues of organized crime.”</span></p>\n<p>The Canadian Real Estate Association (CREA), which leads industry training on anti-money-laundering compliance, retorted recently stating that though there were issues, the real problem lay with FinTRAC. CREA called the federal agency’s training webinar “clearly insufficient.” CREA also points out that to help realtors and brokerage, they invested “heavily” in hiring two staff and commissioning outside firms to help bring real estate agents up to speed. “It would be nice if FinTRAC would invest similar time and effort,” said Randall McCauley, CREA’s vice-president of government and public relations. Mr. McCauley calls it “ridiculous” to expect individual real estate agents to have the same infrastructure as banks or casinos to track clients.</p>\n<p>McCauley also points out that the basic infrastructure of the regulations shows a complete “lack of understanding” of the industry. “A huge percentage of our members help individuals sell, then buy a home within days or weeks,” McCauley said. He wonders: Why the increased scrutiny of any buyer who completes two transactions within five years shows?</p>\n<h3><b>Factor #6. The bar is too low</b></h3>\n<p><span style=\"font-weight: 400;\">Despite the problems people keep pouring into the city and into the Vancouver real estate industry. There are now more than 12,400 agents in the Vancouver area—up 24% from five years ago. Some say that the growth in this profession, along with the increased errors and broken regulations, are due, in part,  to the low bar of entry into the field of real estate. One Re/Max realtor stated, in a recent Globe and Mail article, that he wasn’t surprised by all the errors and omissions (and commissions). “It’s too easy to become a realtor in British Columbia, so the level of compliance is going to be a problem,” says Keith Roy, a real estate agent who also sits on the professional-conduct committee of the Real Estate Board of Greater Vancouver (REBGV), the member-based association that represents licensed real estate agents in the area. “The No. 1 way to increase public protection is to have more than a 10-week online course to get your licence.”</span></p>\n<h3><b>Factor #7: Lack of unbiased info</b></h3>\n<p><span style=\"font-weight: 400;\">Vancouver&#8217;s growing housing dilemma has put the city on the top of unaffordable lists everywhere. Recently, Demographia ranked the west coast city as the second most unaffordable city out of 325 around the world. The only city to beat Vancouver from claiming the top spot: Hong Kong. </span></p>\n<p><span style=\"font-weight: 400;\">Part of the problem is that no one wants to <em>appear</em> to be killing the cash cow. Worse, is that reliable, unbiased information is hard to come by. In the last year, Ian Young, a reporter at the South China Morning Post highlighted how the centre run by UBC business professor Tsur Somerville—the academic most often quoted in the media regarding Vancouver&#8217;s housing issues—</span><span style=\"font-weight: 400;\">receives part of its funding from developers. Turns out so do some of the city&#8217;s so-called urban think-tanks—the supposed thought-leaders on urban development. </span></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: 400;\">Yet, those with no personal or professional stake in the discussion—such as <span style=\"font-weight: 400;\">Yan, Elizabeth Murphy, a private-sector project manager, David Wachsmuth, a UBC urban geographer, SFU&#8217;s Andrey Pavlov and B.C’s meticulous urban geographer, </span><span style=\"font-weight: 400;\"><a href=\"http://blogs.vancouversun.com/2014/06/27/why-vancouver-housing-is-unaffordable-and-what-to-do-about-it/\">David Ley (author of Millionaire Migrants)</a>—end up dominating headlines for the wrong reasons. When Ley released his findings last year on the impact of high immigration rates and foreign ownership have on real estate prices, </span></span>Somerville and others tossed out labels of &#8220;racist&#8221; and &#8220;xenophobic.&#8221;</p>\n<h3><b>Factor #8: Vancouver wants to grow</b></h3>\n<p><span style=\"font-weight: 400;\">So, why this push for more homeowners and a greater proportion of international investment money? Because the City of Vancouver wants to grow. City personnel suggest that an increase to market residential zoning needs to expand in order to accommodate the million or more people that will settle in the city by 2041. Problem is, this estimated growth is for the entire lower mainland, with only a small fraction establishing a home in the City of Vancouver.</span></p>\n<p><a href=\"http://www.vancouversun.com/business/Opinion+plan+people+profit/10939128/story.html\"><span style=\"font-weight: 400;\">Elizabeth Murphy</span></a><span style=\"font-weight: 400;\">, a private-sector project manager and former property development officer with the City of Vancouver’s Housing and Properties Department and for BC Housing, believes that the city’s rezoning and building plans are anything but transparent. She is convinced that the push for major builds, such as large condo towers, is motivated by those who will benefit financially. She sees the arguments that there is a lack of supply to be misleading and believes that the city is actually overbuilding by approximately 2,000 units every five years. The key, according to Murphy, is not more housing units, but better suited housing units. She believes metro Vancouverites end up in a position of having to rent out units because the units built are expensive and only “serve to promote Vancouver as an investment commodity rather than a planned community.”</span></p>\n<p>Murphy is also concerned that this will have a long-lasting impact on current residents. “What</p>\n<p><span style=\"font-weight: 400;\">most people don’t understand is that all this growth doesn’t make the city any money. On the contrary, the city has to subsidize all this growth. The development fees collected by the city only cover a small fraction, about 10%, of the actual costs of servicing the infrastructure for development and the population growth it brings. The massive development that has been completed over that last few decades has served to increase property taxes and the city’s debt.”</span></p>\n<p>While some growth in any city is inevitable, Murphy and other critics are trying to open up the discussion about how and what to build. “There are many options as to how growth is implemented. There are choices to be made. A concrete jungle of energy-hog glass towers with ugly and expensive monster houses is not inevitable. We can do better.”</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: 400;\">Up next: How Vancouver&#8217;s unaffordable real estate market could seriously impact the future of this city. </span></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/8-factors-that-really-mess-up-vancouvers-real-estate-prices/\">8 factors that really mess up Vancouver&#8217;s real estate prices</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','8 factors that really mess up Vancouver’s real estate prices','<p>From foreign buyers, to unscrupulous agents, here are the mitigating factors that help to push prices up </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/8-factors-that-really-mess-up-vancouvers-real-estate-prices/\">8 factors that really mess up Vancouver&rsquo;s real estate prices</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-22 08:04:09','2016-04-22 12:04:09','',0,'http://www.moneysense.ca/?p=153020',0,'post','',0),(10192,1,'2016-04-22 08:04:09','2016-04-22 12:04:09','<div id=\"attachment_120794\" style=\"width: 1034px\" class=\"wp-caption aligncenter\"><img class=\"size-large wp-image-120794\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-1024x690.jpg\" alt=\"(Barrett &amp; MacKay/Getty Images)\" width=\"1024\" height=\"690\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-300x202.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-1024x690.jpg 1024w, http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-660x444.jpg 660w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" /><p class=\"wp-caption-text\">(Barrett &amp; MacKay/Getty Images)</p></div>\n<p><b></b><span style=\"font-weight: 400;\">Vancouver&#8217;s real estate market is messed up. It&#8217;s really messed up. As a result it&#8217;s attracted a lot of attention. From media reports, to provincial scrutiny, to self-regulatory board actions, Canada&#8217;s most expensive real estate market is under the proverbial microscope. But what do we know for sure? Here’s a round-up of eight factors that are helping to push prices through the stratosphere in Vancouver and the lower mainland. </span></p>\n<h3><b>Factor #1. Foreign buyers</b></h3>\n<p><span style=\"font-weight: 400;\">It’s not very Canadian to discuss the impact of immigration, particularly if it’s negative. But the truth is the Vancouver real estate market <em>has</em> felt the impact of foreign money—in particular, money from rich foreigners. Much of this money comes from mainland China. Also not a very Canadian thing to say. But it’s true. How do we know? Because the phenomenon has been tracked, studied and recorded—and not just in Vancouver. </span></p>\n<p>Data collected by David Ley shows how, over the last few decades, metro Vancouver has become similar to other Pacific Rim “gateway” cities, such as Hong Kong, Singapore, London and Sydney. Each of these gateway cities have rising housing costs that are fuelled by high immigration-driven population growth and foreign investors.</p>\n<p>“In every one of these cities the market is being driven by something other than owner-occupiers. Not just new immigrants, but investors, including offshore investment,” explains Ley. Through his analysis, Ley discovered that in the last 25 years, there’s been an almost 1-to-1 correlation between Vancouver’s rising real estate prices and the surge in international immigration and offshore investors to this west-coast city.</p>\n<p>Ley isn&#8217;t the only one tracking this trend. University of Waterloo geographer Markus Moos and Queen’s University planner Andrejs Skaburskis back up Ley’s findings. Both Moos and Skaburski concede that Vancouver is an “exceptional” example of how “globalization” can affect a local housing market.</p>\n<p>The biggest contributor to these rising housing prices is that these immigrants not only arrive with great wealth, but continue to earn high incomes outside of Canada. This accumulation and access to money and it’s investment in Vancouver property led to a “decoupling of housing from local labour market participation,” wrote Moos and Skaburskis.</p>\n<p>Even data released by the city of Vancouver backs up the assertions by these scholars. According to district data virtually nine out of 10 newcomers in the past 20 years were born outside the country—mostly in Asia. City data also shows that many of these new property owners are “circulatory migrants”—foreigners who invest in property in Canada while working offshore.</p>\n<p>Some detractors of this data argue that rich foreigners only invest in luxury properties—purchases that don&#8217;t impact neighbourhoods (and prices) where regular, middle-class Vancouverites choose to buy homes. But that’s just not true.</p>\n<p>Ley describes the impact as a “trickle-down effect,” which occurs when rich immigrants and investors push up housing prices across the entire lower mainland real estate market. It’s a phenomenon that Andy Yan, an urban planning researcher and adjunct professor at UBC, has been documenting for years. He turned his <a href=\"http://www.slideshare.net/ayan604/ownership-patterns-of-single-family-homes-sales-on-the-west-side-neighborhoods-of-the-city-of-vancouver-a-case-study\" >data and research</a> into maps that document the growth of home prices in metro Vancouver. In the first map (below) there are virtually no properties east of Main Street listed for over $1 million.</p>\n<div id=\"attachment_153022\" style=\"width: 508px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153022\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014.png\" alt=\"(Andy Yan, 2014 / BTA Works)\" width=\"498\" height=\"421\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014-300x254.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014.png 498w\" sizes=\"(max-width: 498px) 100vw, 498px\" /><p class=\"wp-caption-text\">(Andy Yan, 2014 / BTA Works)</p></div>\n<p><span style=\"font-weight: 400;\">The second map (below) shows 2015 home prices in metro Vancouver. Notice how many of the homes east of Main Street are now priced at $1 million or more. </span></p>\n<div id=\"attachment_153024\" style=\"width: 539px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153024\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015.png\" alt=\"(Andy Yan, 2015 / BTA Works)\" width=\"529\" height=\"408\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015-300x231.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015.png 529w\" sizes=\"(max-width: 529px) 100vw, 529px\" /><p class=\"wp-caption-text\">(Andy Yan, 2015 / BTA Works)</p></div>\n<p><span style=\"font-weight: 400;\">The final map (below) shows 2016 housing prices. Notice how the number of houses selling for over $1 million has increased dramatically. Now, the sea of red spreads past metro Vancouver and into the inner suburbs. </span></p>\n<div id=\"attachment_153026\" style=\"width: 534px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153026\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016.png\" alt=\"(Andy Yan, 2016 / BTA Works) \" width=\"524\" height=\"407\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016-300x233.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016.png 524w\" sizes=\"(max-width: 524px) 100vw, 524px\" /><p class=\"wp-caption-text\">(Andy Yan, 2016 / BTA Works)</p></div>\n<p>“It’s not as if you can draw a clear partition. The property values in the west side influence the prices in the east side. Demand is just deflected, for example, from Kitsilano to Main Street and Commercial Drive,” says Ley. Now, the problem extends well beyond the city limits and into the suburbs.</p>\n<p>“Some investors are buying a few houses at the same time,” states one exasperated reader. “Some of the deals are even arranged remotely from overseas. This will eventually mean that more and more people will have no choice but to look for jobs in other provinces.”</p>\n<h3><b>Factor</b> <b>#2. Ineffective regulation</b></h3>\n<p><span style=\"font-weight: 400;\">But foreign buyers aren’t the only culprits in Vancouver’s messy real estate market. Fast money, unscrupulous people, and a general malaise when it comes to defining and enforcing bad conduct has taken it’s toll on the city. </span></p>\n<p><span style=\"font-weight: 400;\">A recent </span><a href=\"http://www.theglobeandmail.com/news/investigations/inside-a-fast-growing-bc-firm-that-has-home-sellers-crying-foul/article29578417/\"><span style=\"font-weight: 400;\">Globe and Mail investigation</span></a><span style=\"font-weight: 400;\"> found that Vancouver real estate agents who were disciplined for wrongdoing faced fines and suspensions that were nothing short of a joke when compared to the hefty commissions earned on real estate transactions. The Globe’s report showed that of the more than 100 recent disciplinary proceedings, some confidential, the fines averaged out at $4,850. Compare this to the potential commission on a $1.78 million home—the average price paid in metro Vancouver in the first quarter of 2016—which works out to $22,500, and you can see why some agents simply consider these fines as the cost of doing business.</span></p>\n<p>What’s worse is the Globe and Mail investigation found that only a fraction of agents lost their licences over misconduct. Those who did receive a suspension were barred, on average, from practising for six weeks. In comparison the Fraser Valley Real Estate Board—the private board in charge of lower mainland real estate, such as Langley and Abbotsford—is known for much stiffer penalties for realtors that breach ethics or regulations.</p>\n<p>“Some people have done some really bad things and they just get a slap on the wrist,” says Janet Mackenzie, a Vancouver regulatory affairs executive, who spoke to the Globe, late last year. “Having [agents] policing [agents] has shown to not be the best model.”</p>\n<p>Mackenzie actually found herself in the middle of the problem when her own real estate agent forged her signature during a condo deal a few years ago. Mackenzie lodged a complaint with the Real Estate Council of B.C. (RECBC), the self-regulating body for the province’s real estate industry. She had to wait two years before RECBC made a ruling—part of it was public and part was private. Publicly, Mackenzie was told her agent was fined $1,250 and given a four month suspension. Privately, RECBC also imposed a $10,000 fine and banned the agent from using the Multiple Listings Service for a year. But it wasn&#8217;t until the Globe&#8217;s investigation that Mackenzie even learned of this subsequent penalty.</p>\n<p>&nbsp;</p>\n<p>Then there was the recent case that involved New Coast Realty. The brokerage was home to 445 real estate agents and was run by 42-year-old Ze Yu Wu, a permanent resident who moved to Canada from China a year ago, and an unlicensed trainer who taught and encouraged his agents to low-ball and lie to potential sellers in order to earn bigger commissions re-selling the listed homes.</p>\n<blockquote><p><i><span style=\"font-weight: 400;\">In a transcript from the <a href=\"http://www.theglobeandmail.com/real-estate/vancouver/vancouver-real-estate-agents-face-weak-penalties-for-misconduct/article29549072/\" >Globe’s investigation</a>, Wu is heard saying:<br />\n</span></i><span style=\"font-weight: 400;\">“You must print out the lowest prices in the neighbourhood to show to the homeowner. It is very critical to print out low sale prices in the neighbourhood.”</span></p></blockquote>\n<p><span style=\"font-weight: 400;\">Shortly after the release of the Globe&#8217;s investigative report, RECBC swooped in to issue licence conditions on New Coast Realty that included the appointment of a new RECBC-approved broker manager, hiring a trainer that was a licensed realtor and complying with conditions imposed on the firm. Thing is Wu got off relatively scott-free. As an unlicensed trainer (who doesn&#8217;t actually practice real estate sales) he is not bound to the regulations that are imposed on licensed real estate agents. At the heart of these regulations is the notion that a real estate agent must act in their clients’ interests or risk disciplinary action. </span></p>\n<p>Despite the transgressions, New Coast Realty is still operating. And Wu is still making money—and will, as long as realtors pay their office fees and earn a commission.</p>\n<h3><b>Factor #3. Re-emergence of shadow flipping</b></h3>\n<p><span style=\"font-weight: 400;\">The big reason why Wu and other push for quick home sales is because they can then turn around and resell that property to another buyer—usually at a much higher price. The agent has now earned two commissions on one property, usually within weeks of the initial sale of the home. It’s a process known as shadow flipping, although it’s legally known as an assignment sale. </span></p>\n<p>An assignment sale allows the current registered buyer of a property to sell their ownership in the property to another interested buyer, even before the first sale is finalized. The use of assignment sales is most common in the arena of new build condos. It’s not uncommon for Canadian new build condo units to change ownership two, three, even four times before the condo building and its units are actually ready for occupation.</p>\n<p><span style=\"font-weight: 400;\">Here’s the rub: In most provinces in Canada, the sales document does</span><span style=\"font-weight: 400;\"> not automatically give a buyer the option to re-sell their rights to the property. In most provinces, an extra clause or an entirely separate contract must be completed by both the buyer and the initial seller. This helps keep all transactions and intentions totally transparent.</span></p>\n<p><span style=\"font-weight: 400;\">But this isn’t the case if you&#8217;re doing a real estate deal in in B.C.’s lower mainland. In Vancouver, an assignment is part of the assumed package of rights that any seller passes onto the buyer. No other notification is needed, or given, as one </span><a href=\"http://www.theglobeandmail.com/news/national/assignment-flipping-feeding-into-speculative-real-estate-market-in-bc/article28634868/\"><span style=\"font-weight: 400;\">West Vancouver couple</span></a><span style=\"font-weight: 400;\"> learned when their recently sold home was relisted and resold for more than $1 million more than their final sale price. </span></p>\n<p>So much for transparency.</p>\n<p>In the wake of the negative media headlines, RECBC opted to assign an advisory group to come up with deterrents for a list of questionable practices. Under current B.C. law, RECBC or other real estate board, can fine a real estate agent a maximum of $10,000. To put this in perspective, in Alberta and Ontario the maximum fine is $25,000 for similar misconduct.</p>\n<p><span style=\"font-weight: 400;\">Still, the council’s actions might be a little too late. B.C. Premier, Christy Clark, recently promised the potential of provincial regulations that  would impose tougher penalties for those that try to skirt around current and future regulations. One reason why the province may have decided to act independently of the council is that this isn’t the first time B.C.’s lower mainland has faced shadow flipping problems. In the mid-2000s, during a condo boom, assignment sales were so common that some developers put in clauses to forbid them. The rationale was that hot, frothy markets fuelled by money and speculation would drive up the price and could, potentially, create an unsustainable bubble. Not only that, but as early as </span><span style=\"font-weight: 400;\"> <a href=\"http://www.theglobeandmail.com/news/british-columbia/bc-real-estate-council-opens-shadow-flipping-review/article28711920/\" >May 2008</a>, the provincial office of the superintendent of real estate released a consumer alert that warned of the risks associated with the assignment of contracts.</span></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<h3><b>Factor #4. Everything is easier with technology</b></h3>\n<p><span style=\"font-weight: 400;\">Another contributing factor is the ease with which technology as shortened the distance on what used to be a localized economic decision. These days, foreign investor don&#8217;t even need to step foot into Canada to snap up some of the most exclusive real estate in B.C.’s lower mainland. Take, for example, the December 2015 sale of the </span><a href=\"http://www.vancouversun.com/business/Priciest+Metro+Vancouver+homes+draw+buyers+from+China/10875651/story.html\"><span style=\"font-weight: 400;\">$51.8-million Point Grey mansion</span></a><span style=\"font-weight: 400;\"> (that takes up three building lots and overlooks the ocean). The buyer was Mailin Chen, a businessman from mainland China, and it’s reported that he never even left his home, in China, to purchase his new Vancouver mansion. (Nor did he buy the home himself. His Vancouver-based company, Chunghwa Investment (Canada) Co. Ltd, did—a company that was incorporated in March 2010 and has an office on Howe Street in downtown Vancouver.)</span></p>\n<p><span style=\"font-weight: 400;\">While Chen’s transaction was legal and transparent there have been reports that some brokerages and websites aren&#8217;t following the same narrow guidelines when it comes to access to listings. In mid-April of this year, </span><a href=\"http://globalnews.ca/news/2637687/critics-say-new-shanghai-based-website-gives-foreign-buyers-first-dibs-on-vancouver-homes/\"><span style=\"font-weight: 400;\">GlobalNews</span></a><span style=\"font-weight: 400;\"> reported that a </span><a href=\"http://www.vanfun.com/\"><span style=\"font-weight: 400;\">Chinese-language website</span></a><span style=\"font-weight: 400;\">, owned by a company in Shanghai, allegedly pulled information from the Canadian MLS system before the information was made public. As is standard practice throughout most provinces in Canada, all new sales listings are entered into MLS, but aren’t made available to the public for 24 to 72 hours (depending on where you are in Canada). But making this information available to only a segment of the open market has raised </span><span style=\"font-weight: 400;\">concerns that</span><span style=\"font-weight: 400;\"> foreign buyers, investing in Metro Vancouver’s hot real estate market, are getting an unfair jump on new listings. Five days later, RECBC issues a notice stating that they’re looking into the transgression not just on the Vanfun.com site, but also on other similar sites. </span></p>\n<h3><b>Factor #5. Money laundering</b></h3>\n<p><span style=\"font-weight: 400;\">Then there are the growing problems of money laundering, </span><a href=\"http://www.theprovince.com/video+tackling+money+laundering+fraud+evasion+vancouver+real+estate/11821480/story.html\"><span style=\"font-weight: 400;\">fraud and tax evasion</span></a><span style=\"font-weight: 400;\">. </span><span style=\"font-weight: 400;\">The </span><a href=\"https://www.facebook.com/MetroVancouverResidents2016/\"><span style=\"font-weight: 400;\">Housing Action for Local Taxpayers</span></a><span style=\"font-weight: 400;\">, an advocacy group with an aim to hold politicians accountable for housing affordability, </span><a href=\"http://www.theglobeandmail.com/news/national/vancouver-housing-market-vulnerable-to-money-laundering/article29285770/\"><span style=\"font-weight: 400;\">says that</span></a><span style=\"font-weight: 400;\"> “houses have become opaque cash banks where funds from offshore can find nice safe places to hide—and there’s no need to show a return on the investment as the primary objective is to hide the funds from overseas tax authorities.”</span></p>\n<p><span style=\"font-weight: 400;\">Part of the problem is that over the past 12 months, dozens of B.C. real estate brokerages have been caught with “significant” or “very significant” deficiencies, explains </span><a href=\"http://www.theglobeandmail.com/try-it-now/?articleId=27640202\"><span style=\"font-weight: 400;\">The Globe and Mail</span></a><span style=\"font-weight: 400;\">. The discovery was made when the Financial Transactions and Reports Analysis Centre (FinTRAC), which enforces the federal anti-money-laundering laws, decided to step up scrutiny over worries that money, primarily from China, was being laundered through Vancouver real estate. “There were concerns being raised that those in the real estate sector were not fulfilling the obligations under the act,” said FinTRAC spokesperson Darren Gibb. He added that: “The real estate sector is highly vulnerable to money laundering.” As a result of their investigation, FinTRAC found that some real estate agents were neglecting to get proper ID from clients, such as drivers’ licences or passports; failed to verify sources of money; and some brokerage firms simply didn&#8217;t report suspicious or large cash transactions, an obligation under anti-money-laundering laws.</span></p>\n<p><span style=\"font-weight: 400;\">Dan Zitting, chief product officer for Vancouver “big data” analytics firm </span><a href=\"http://www.acl.com/\"><span style=\"font-weight: 400;\">ACL</span></a><span style=\"font-weight: 400;\">, is an expert on detecting patterns of crime in vast pools of data. In recent Globe and Mail and Vancouver Sun interviews, he explained his fears of widespread fraud in B.C.’s property market. “Vancouver real estate is obviously at very high risk for being used as a transfer and holding vehicle for laundered money,” said Zitting, adding that the results of Fintrac’s compliance review “really is quite scary, both for the stability of the housing market and the potential to support and propagate issues of organized crime.”</span></p>\n<p>The Canadian Real Estate Association (CREA), which leads industry training on anti-money-laundering compliance, retorted recently stating that though there were issues, the real problem lay with FinTRAC. CREA called the federal agency’s training webinar “clearly insufficient.” CREA also points out that to help realtors and brokerage, they invested “heavily” in hiring two staff and commissioning outside firms to help bring real estate agents up to speed. “It would be nice if FinTRAC would invest similar time and effort,” said Randall McCauley, CREA’s vice-president of government and public relations. Mr. McCauley calls it “ridiculous” to expect individual real estate agents to have the same infrastructure as banks or casinos to track clients.</p>\n<p>McCauley also points out that the basic infrastructure of the regulations shows a complete “lack of understanding” of the industry. “A huge percentage of our members help individuals sell, then buy a home within days or weeks,” McCauley said. He wonders: Why the increased scrutiny of any buyer who completes two transactions within five years shows?</p>\n<h3><b>Factor #6. The bar is too low</b></h3>\n<p><span style=\"font-weight: 400;\">Despite the problems people keep pouring into the city and into the Vancouver real estate industry. There are now more than 12,400 agents in the Vancouver area—up 24% from five years ago. Some say that the growth in this profession, along with the increased errors and broken regulations, are due, in part,  to the low bar of entry into the field of real estate. One Re/Max realtor stated, in a recent Globe and Mail article, that he wasn’t surprised by all the errors and omissions (and commissions). “It’s too easy to become a realtor in British Columbia, so the level of compliance is going to be a problem,” says Keith Roy, a real estate agent who also sits on the professional-conduct committee of the Real Estate Board of Greater Vancouver (REBGV), the member-based association that represents licensed real estate agents in the area. “The No. 1 way to increase public protection is to have more than a 10-week online course to get your licence.”</span></p>\n<h3><b>Factor #7: Lack of unbiased info</b></h3>\n<p><span style=\"font-weight: 400;\">Vancouver&#8217;s growing housing dilemma has put the city on the top of unaffordable lists everywhere. Recently, Demographia ranked the west coast city as the second most unaffordable city out of 325 around the world. The only city to beat Vancouver from claiming the top spot: Hong Kong. </span></p>\n<p><span style=\"font-weight: 400;\">Part of the problem is that no one wants to <em>appear</em> to be killing the cash cow. Worse, is that reliable, unbiased information is hard to come by. In the last year, Ian Young, a reporter at the South China Morning Post highlighted how the centre run by UBC business professor Tsur Somerville—the academic most often quoted in the media regarding Vancouver&#8217;s housing issues—</span><span style=\"font-weight: 400;\">receives part of its funding from developers. Turns out so do some of the city&#8217;s so-called urban think-tanks—the supposed thought-leaders on urban development. </span></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: 400;\">Yet, those with no personal or professional stake in the discussion—such as <span style=\"font-weight: 400;\">Yan, Elizabeth Murphy, a private-sector project manager, David Wachsmuth, a UBC urban geographer, SFU&#8217;s Andrey Pavlov and B.C’s meticulous urban geographer, </span><span style=\"font-weight: 400;\"><a href=\"http://blogs.vancouversun.com/2014/06/27/why-vancouver-housing-is-unaffordable-and-what-to-do-about-it/\">David Ley (author of Millionaire Migrants)</a>—end up dominating headlines for the wrong reasons. When Ley released his findings last year on the impact of high immigration rates and foreign ownership have on real estate prices, </span></span>Somerville and others tossed out labels of &#8220;racist&#8221; and &#8220;xenophobic.&#8221;</p>\n<h3><b>Factor #8: Vancouver wants to grow</b></h3>\n<p><span style=\"font-weight: 400;\">So, why this push for more homeowners and a greater proportion of international investment money? Because the City of Vancouver wants to grow. City personnel suggest that an increase to market residential zoning needs to expand in order to accommodate the million or more people that will settle in the city by 2041. Problem is, this estimated growth is for the entire lower mainland, with only a small fraction establishing a home in the City of Vancouver.</span></p>\n<p><a href=\"http://www.vancouversun.com/business/Opinion+plan+people+profit/10939128/story.html\"><span style=\"font-weight: 400;\">Elizabeth Murphy</span></a><span style=\"font-weight: 400;\">, a private-sector project manager and former property development officer with the City of Vancouver’s Housing and Properties Department and for BC Housing, believes that the city’s rezoning and building plans are anything but transparent. She is convinced that the push for major builds, such as large condo towers, is motivated by those who will benefit financially. She sees the arguments that there is a lack of supply to be misleading and believes that the city is actually overbuilding by approximately 2,000 units every five years. The key, according to Murphy, is not more housing units, but better suited housing units. She believes metro Vancouverites end up in a position of having to rent out units because the units built are expensive and only “serve to promote Vancouver as an investment commodity rather than a planned community.”</span></p>\n<p>Murphy is also concerned that this will have a long-lasting impact on current residents. “What</p>\n<p><span style=\"font-weight: 400;\">most people don’t understand is that all this growth doesn’t make the city any money. On the contrary, the city has to subsidize all this growth. The development fees collected by the city only cover a small fraction, about 10%, of the actual costs of servicing the infrastructure for development and the population growth it brings. The massive development that has been completed over that last few decades has served to increase property taxes and the city’s debt.”</span></p>\n<p>While some growth in any city is inevitable, Murphy and other critics are trying to open up the discussion about how and what to build. “There are many options as to how growth is implemented. There are choices to be made. A concrete jungle of energy-hog glass towers with ugly and expensive monster houses is not inevitable. We can do better.”</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: 400;\">Up next: How Vancouver&#8217;s unaffordable real estate market could seriously impact the future of this city. </span></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/8-factors-that-really-mess-up-vancouvers-real-estate-prices/\">8 factors that really mess up Vancouver&#8217;s real estate prices</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','8 factors that really mess up Vancouver’s real estate prices','<p>From foreign buyers, to unscrupulous agents, here are the mitigating factors that help to push prices up </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/8-factors-that-really-mess-up-vancouvers-real-estate-prices/\">8 factors that really mess up Vancouver&rsquo;s real estate prices</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10191-revision-v1','','','2016-04-22 08:04:09','2016-04-22 12:04:09','',10191,'http://feedwordpress.radgeek.com/?rev=7f257890fb63eae002c169a26e1e6030',0,'revision','',0),(10193,1,'2016-04-22 08:04:09','2016-04-22 12:04:09','<div id=\"attachment_120794\" style=\"width: 1034px\" class=\"wp-caption aligncenter\"><img class=\"size-large wp-image-120794\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-1024x690.jpg\" alt=\"(Barrett &amp; MacKay/Getty Images)\" width=\"1024\" height=\"690\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-300x202.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-1024x690.jpg 1024w, http://www.moneysense.ca/wp-content/uploads/2015/05/GettyImages-126162339-660x444.jpg 660w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" /><p class=\"wp-caption-text\">(Barrett &amp; MacKay/Getty Images)</p></div>\n<p><b></b><span style=\"font-weight: 400;\">Vancouver&#8217;s real estate market is messed up. It&#8217;s really messed up. As a result it&#8217;s attracted a lot of attention. From media reports, to provincial scrutiny, to self-regulatory board actions, Canada&#8217;s most expensive real estate market is under the proverbial microscope. But what do we know for sure? Here’s a round-up of eight factors that are helping to push prices through the stratosphere in Vancouver and the lower mainland. </span></p>\n<h3><b>Factor #1. Foreign buyers</b></h3>\n<p><span style=\"font-weight: 400;\">It’s not very Canadian to discuss the impact of immigration, particularly if it’s negative. But the truth is the Vancouver real estate market <em>has</em> felt the impact of foreign money—in particular, money from rich foreigners. Much of this money comes from mainland China. Also not a very Canadian thing to say. But it’s true. How do we know? Because the phenomenon has been tracked, studied and recorded—and not just in Vancouver. </span></p>\n<p>Data collected by David Ley shows how, over the last few decades, metro Vancouver has become similar to other Pacific Rim “gateway” cities, such as Hong Kong, Singapore, London and Sydney. Each of these gateway cities have rising housing costs that are fuelled by high immigration-driven population growth and foreign investors.</p>\n<p>“In every one of these cities the market is being driven by something other than owner-occupiers. Not just new immigrants, but investors, including offshore investment,” explains Ley. Through his analysis, Ley discovered that in the last 25 years, there’s been an almost 1-to-1 correlation between Vancouver’s rising real estate prices and the surge in international immigration and offshore investors to this west-coast city.</p>\n<p>Ley isn&#8217;t the only one tracking this trend. University of Waterloo geographer Markus Moos and Queen’s University planner Andrejs Skaburskis back up Ley’s findings. Both Moos and Skaburski concede that Vancouver is an “exceptional” example of how “globalization” can affect a local housing market.</p>\n<p>The biggest contributor to these rising housing prices is that these immigrants not only arrive with great wealth, but continue to earn high incomes outside of Canada. This accumulation and access to money and it’s investment in Vancouver property led to a “decoupling of housing from local labour market participation,” wrote Moos and Skaburskis.</p>\n<p>Even data released by the city of Vancouver backs up the assertions by these scholars. According to district data virtually nine out of 10 newcomers in the past 20 years were born outside the country—mostly in Asia. City data also shows that many of these new property owners are “circulatory migrants”—foreigners who invest in property in Canada while working offshore.</p>\n<p>Some detractors of this data argue that rich foreigners only invest in luxury properties—purchases that don&#8217;t impact neighbourhoods (and prices) where regular, middle-class Vancouverites choose to buy homes. But that’s just not true.</p>\n<p>Ley describes the impact as a “trickle-down effect,” which occurs when rich immigrants and investors push up housing prices across the entire lower mainland real estate market. It’s a phenomenon that Andy Yan, an urban planning researcher and adjunct professor at UBC, has been documenting for years. He turned his <a href=\"http://www.slideshare.net/ayan604/ownership-patterns-of-single-family-homes-sales-on-the-west-side-neighborhoods-of-the-city-of-vancouver-a-case-study\" >data and research</a> into maps that document the growth of home prices in metro Vancouver. In the first map (below) there are virtually no properties east of Main Street listed for over $1 million.</p>\n<div id=\"attachment_153022\" style=\"width: 508px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153022\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014.png\" alt=\"(Andy Yan, 2014 / BTA Works)\" width=\"498\" height=\"421\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014-300x254.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2014.png 498w\" sizes=\"(max-width: 498px) 100vw, 498px\" /><p class=\"wp-caption-text\">(Andy Yan, 2014 / BTA Works)</p></div>\n<p><span style=\"font-weight: 400;\">The second map (below) shows 2015 home prices in metro Vancouver. Notice how many of the homes east of Main Street are now priced at $1 million or more. </span></p>\n<div id=\"attachment_153024\" style=\"width: 539px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153024\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015.png\" alt=\"(Andy Yan, 2015 / BTA Works)\" width=\"529\" height=\"408\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015-300x231.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2015.png 529w\" sizes=\"(max-width: 529px) 100vw, 529px\" /><p class=\"wp-caption-text\">(Andy Yan, 2015 / BTA Works)</p></div>\n<p><span style=\"font-weight: 400;\">The final map (below) shows 2016 housing prices. Notice how the number of houses selling for over $1 million has increased dramatically. Now, the sea of red spreads past metro Vancouver and into the inner suburbs. </span></p>\n<div id=\"attachment_153026\" style=\"width: 534px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-153026\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016.png\" alt=\"(Andy Yan, 2016 / BTA Works) \" width=\"524\" height=\"407\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016-300x233.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/BTA-Works-Andy-Yan-2016.png 524w\" sizes=\"(max-width: 524px) 100vw, 524px\" /><p class=\"wp-caption-text\">(Andy Yan, 2016 / BTA Works)</p></div>\n<p>“It’s not as if you can draw a clear partition. The property values in the west side influence the prices in the east side. Demand is just deflected, for example, from Kitsilano to Main Street and Commercial Drive,” says Ley. Now, the problem extends well beyond the city limits and into the suburbs.</p>\n<p>“Some investors are buying a few houses at the same time,” states one exasperated reader. “Some of the deals are even arranged remotely from overseas. This will eventually mean that more and more people will have no choice but to look for jobs in other provinces.”</p>\n<h3><b>Factor</b> <b>#2. Ineffective regulation</b></h3>\n<p><span style=\"font-weight: 400;\">But foreign buyers aren’t the only culprits in Vancouver’s messy real estate market. Fast money, unscrupulous people, and a general malaise when it comes to defining and enforcing bad conduct has taken it’s toll on the city. </span></p>\n<p><span style=\"font-weight: 400;\">A recent </span><a href=\"http://www.theglobeandmail.com/news/investigations/inside-a-fast-growing-bc-firm-that-has-home-sellers-crying-foul/article29578417/\"><span style=\"font-weight: 400;\">Globe and Mail investigation</span></a><span style=\"font-weight: 400;\"> found that Vancouver real estate agents who were disciplined for wrongdoing faced fines and suspensions that were nothing short of a joke when compared to the hefty commissions earned on real estate transactions. The Globe’s report showed that of the more than 100 recent disciplinary proceedings, some confidential, the fines averaged out at $4,850. Compare this to the potential commission on a $1.78 million home—the average price paid in metro Vancouver in the first quarter of 2016—which works out to $22,500, and you can see why some agents simply consider these fines as the cost of doing business.</span></p>\n<p>What’s worse is the Globe and Mail investigation found that only a fraction of agents lost their licences over misconduct. Those who did receive a suspension were barred, on average, from practising for six weeks. In comparison the Fraser Valley Real Estate Board—the private board in charge of lower mainland real estate, such as Langley and Abbotsford—is known for much stiffer penalties for realtors that breach ethics or regulations.</p>\n<p>“Some people have done some really bad things and they just get a slap on the wrist,” says Janet Mackenzie, a Vancouver regulatory affairs executive, who spoke to the Globe, late last year. “Having [agents] policing [agents] has shown to not be the best model.”</p>\n<p>Mackenzie actually found herself in the middle of the problem when her own real estate agent forged her signature during a condo deal a few years ago. Mackenzie lodged a complaint with the Real Estate Council of B.C. (RECBC), the self-regulating body for the province’s real estate industry. She had to wait two years before RECBC made a ruling—part of it was public and part was private. Publicly, Mackenzie was told her agent was fined $1,250 and given a four month suspension. Privately, RECBC also imposed a $10,000 fine and banned the agent from using the Multiple Listings Service for a year. But it wasn&#8217;t until the Globe&#8217;s investigation that Mackenzie even learned of this subsequent penalty.</p>\n<p>&nbsp;</p>\n<p>Then there was the recent case that involved New Coast Realty. The brokerage was home to 445 real estate agents and was run by 42-year-old Ze Yu Wu, a permanent resident who moved to Canada from China a year ago, and an unlicensed trainer who taught and encouraged his agents to low-ball and lie to potential sellers in order to earn bigger commissions re-selling the listed homes.</p>\n<blockquote><p><i><span style=\"font-weight: 400;\">In a transcript from the <a href=\"http://www.theglobeandmail.com/real-estate/vancouver/vancouver-real-estate-agents-face-weak-penalties-for-misconduct/article29549072/\" >Globe’s investigation</a>, Wu is heard saying:<br />\n</span></i><span style=\"font-weight: 400;\">“You must print out the lowest prices in the neighbourhood to show to the homeowner. It is very critical to print out low sale prices in the neighbourhood.”</span></p></blockquote>\n<p><span style=\"font-weight: 400;\">Shortly after the release of the Globe&#8217;s investigative report, RECBC swooped in to issue licence conditions on New Coast Realty that included the appointment of a new RECBC-approved broker manager, hiring a trainer that was a licensed realtor and complying with conditions imposed on the firm. Thing is Wu got off relatively scott-free. As an unlicensed trainer (who doesn&#8217;t actually practice real estate sales) he is not bound to the regulations that are imposed on licensed real estate agents. At the heart of these regulations is the notion that a real estate agent must act in their clients’ interests or risk disciplinary action. </span></p>\n<p>Despite the transgressions, New Coast Realty is still operating. And Wu is still making money—and will, as long as realtors pay their office fees and earn a commission.</p>\n<h3><b>Factor #3. Re-emergence of shadow flipping</b></h3>\n<p><span style=\"font-weight: 400;\">The big reason why Wu and other push for quick home sales is because they can then turn around and resell that property to another buyer—usually at a much higher price. The agent has now earned two commissions on one property, usually within weeks of the initial sale of the home. It’s a process known as shadow flipping, although it’s legally known as an assignment sale. </span></p>\n<p>An assignment sale allows the current registered buyer of a property to sell their ownership in the property to another interested buyer, even before the first sale is finalized. The use of assignment sales is most common in the arena of new build condos. It’s not uncommon for Canadian new build condo units to change ownership two, three, even four times before the condo building and its units are actually ready for occupation.</p>\n<p><span style=\"font-weight: 400;\">Here’s the rub: In most provinces in Canada, the sales document does</span><span style=\"font-weight: 400;\"> not automatically give a buyer the option to re-sell their rights to the property. In most provinces, an extra clause or an entirely separate contract must be completed by both the buyer and the initial seller. This helps keep all transactions and intentions totally transparent.</span></p>\n<p><span style=\"font-weight: 400;\">But this isn’t the case if you&#8217;re doing a real estate deal in in B.C.’s lower mainland. In Vancouver, an assignment is part of the assumed package of rights that any seller passes onto the buyer. No other notification is needed, or given, as one </span><a href=\"http://www.theglobeandmail.com/news/national/assignment-flipping-feeding-into-speculative-real-estate-market-in-bc/article28634868/\"><span style=\"font-weight: 400;\">West Vancouver couple</span></a><span style=\"font-weight: 400;\"> learned when their recently sold home was relisted and resold for more than $1 million more than their final sale price. </span></p>\n<p>So much for transparency.</p>\n<p>In the wake of the negative media headlines, RECBC opted to assign an advisory group to come up with deterrents for a list of questionable practices. Under current B.C. law, RECBC or other real estate board, can fine a real estate agent a maximum of $10,000. To put this in perspective, in Alberta and Ontario the maximum fine is $25,000 for similar misconduct.</p>\n<p><span style=\"font-weight: 400;\">Still, the council’s actions might be a little too late. B.C. Premier, Christy Clark, recently promised the potential of provincial regulations that  would impose tougher penalties for those that try to skirt around current and future regulations. One reason why the province may have decided to act independently of the council is that this isn’t the first time B.C.’s lower mainland has faced shadow flipping problems. In the mid-2000s, during a condo boom, assignment sales were so common that some developers put in clauses to forbid them. The rationale was that hot, frothy markets fuelled by money and speculation would drive up the price and could, potentially, create an unsustainable bubble. Not only that, but as early as </span><span style=\"font-weight: 400;\"> <a href=\"http://www.theglobeandmail.com/news/british-columbia/bc-real-estate-council-opens-shadow-flipping-review/article28711920/\" >May 2008</a>, the provincial office of the superintendent of real estate released a consumer alert that warned of the risks associated with the assignment of contracts.</span></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<h3><b>Factor #4. Everything is easier with technology</b></h3>\n<p><span style=\"font-weight: 400;\">Another contributing factor is the ease with which technology as shortened the distance on what used to be a localized economic decision. These days, foreign investor don&#8217;t even need to step foot into Canada to snap up some of the most exclusive real estate in B.C.’s lower mainland. Take, for example, the December 2015 sale of the </span><a href=\"http://www.vancouversun.com/business/Priciest+Metro+Vancouver+homes+draw+buyers+from+China/10875651/story.html\"><span style=\"font-weight: 400;\">$51.8-million Point Grey mansion</span></a><span style=\"font-weight: 400;\"> (that takes up three building lots and overlooks the ocean). The buyer was Mailin Chen, a businessman from mainland China, and it’s reported that he never even left his home, in China, to purchase his new Vancouver mansion. (Nor did he buy the home himself. His Vancouver-based company, Chunghwa Investment (Canada) Co. Ltd, did—a company that was incorporated in March 2010 and has an office on Howe Street in downtown Vancouver.)</span></p>\n<p><span style=\"font-weight: 400;\">While Chen’s transaction was legal and transparent there have been reports that some brokerages and websites aren&#8217;t following the same narrow guidelines when it comes to access to listings. In mid-April of this year, </span><a href=\"http://globalnews.ca/news/2637687/critics-say-new-shanghai-based-website-gives-foreign-buyers-first-dibs-on-vancouver-homes/\"><span style=\"font-weight: 400;\">GlobalNews</span></a><span style=\"font-weight: 400;\"> reported that a </span><a href=\"http://www.vanfun.com/\"><span style=\"font-weight: 400;\">Chinese-language website</span></a><span style=\"font-weight: 400;\">, owned by a company in Shanghai, allegedly pulled information from the Canadian MLS system before the information was made public. As is standard practice throughout most provinces in Canada, all new sales listings are entered into MLS, but aren’t made available to the public for 24 to 72 hours (depending on where you are in Canada). But making this information available to only a segment of the open market has raised </span><span style=\"font-weight: 400;\">concerns that</span><span style=\"font-weight: 400;\"> foreign buyers, investing in Metro Vancouver’s hot real estate market, are getting an unfair jump on new listings. Five days later, RECBC issues a notice stating that they’re looking into the transgression not just on the Vanfun.com site, but also on other similar sites. </span></p>\n<h3><b>Factor #5. Money laundering</b></h3>\n<p><span style=\"font-weight: 400;\">Then there are the growing problems of money laundering, </span><a href=\"http://www.theprovince.com/video+tackling+money+laundering+fraud+evasion+vancouver+real+estate/11821480/story.html\"><span style=\"font-weight: 400;\">fraud and tax evasion</span></a><span style=\"font-weight: 400;\">. </span><span style=\"font-weight: 400;\">The </span><a href=\"https://www.facebook.com/MetroVancouverResidents2016/\"><span style=\"font-weight: 400;\">Housing Action for Local Taxpayers</span></a><span style=\"font-weight: 400;\">, an advocacy group with an aim to hold politicians accountable for housing affordability, </span><a href=\"http://www.theglobeandmail.com/news/national/vancouver-housing-market-vulnerable-to-money-laundering/article29285770/\"><span style=\"font-weight: 400;\">says that</span></a><span style=\"font-weight: 400;\"> “houses have become opaque cash banks where funds from offshore can find nice safe places to hide—and there’s no need to show a return on the investment as the primary objective is to hide the funds from overseas tax authorities.”</span></p>\n<p><span style=\"font-weight: 400;\">Part of the problem is that over the past 12 months, dozens of B.C. real estate brokerages have been caught with “significant” or “very significant” deficiencies, explains </span><a href=\"http://www.theglobeandmail.com/try-it-now/?articleId=27640202\"><span style=\"font-weight: 400;\">The Globe and Mail</span></a><span style=\"font-weight: 400;\">. The discovery was made when the Financial Transactions and Reports Analysis Centre (FinTRAC), which enforces the federal anti-money-laundering laws, decided to step up scrutiny over worries that money, primarily from China, was being laundered through Vancouver real estate. “There were concerns being raised that those in the real estate sector were not fulfilling the obligations under the act,” said FinTRAC spokesperson Darren Gibb. He added that: “The real estate sector is highly vulnerable to money laundering.” As a result of their investigation, FinTRAC found that some real estate agents were neglecting to get proper ID from clients, such as drivers’ licences or passports; failed to verify sources of money; and some brokerage firms simply didn&#8217;t report suspicious or large cash transactions, an obligation under anti-money-laundering laws.</span></p>\n<p><span style=\"font-weight: 400;\">Dan Zitting, chief product officer for Vancouver “big data” analytics firm </span><a href=\"http://www.acl.com/\"><span style=\"font-weight: 400;\">ACL</span></a><span style=\"font-weight: 400;\">, is an expert on detecting patterns of crime in vast pools of data. In recent Globe and Mail and Vancouver Sun interviews, he explained his fears of widespread fraud in B.C.’s property market. “Vancouver real estate is obviously at very high risk for being used as a transfer and holding vehicle for laundered money,” said Zitting, adding that the results of Fintrac’s compliance review “really is quite scary, both for the stability of the housing market and the potential to support and propagate issues of organized crime.”</span></p>\n<p>The Canadian Real Estate Association (CREA), which leads industry training on anti-money-laundering compliance, retorted recently stating that though there were issues, the real problem lay with FinTRAC. CREA called the federal agency’s training webinar “clearly insufficient.” CREA also points out that to help realtors and brokerage, they invested “heavily” in hiring two staff and commissioning outside firms to help bring real estate agents up to speed. “It would be nice if FinTRAC would invest similar time and effort,” said Randall McCauley, CREA’s vice-president of government and public relations. Mr. McCauley calls it “ridiculous” to expect individual real estate agents to have the same infrastructure as banks or casinos to track clients.</p>\n<p>McCauley also points out that the basic infrastructure of the regulations shows a complete “lack of understanding” of the industry. “A huge percentage of our members help individuals sell, then buy a home within days or weeks,” McCauley said. He wonders: Why the increased scrutiny of any buyer who completes two transactions within five years shows?</p>\n<h3><b>Factor #6. The bar is too low</b></h3>\n<p><span style=\"font-weight: 400;\">Despite the problems people keep pouring into the city and into the Vancouver real estate industry. There are now more than 12,400 agents in the Vancouver area—up 24% from five years ago. Some say that the growth in this profession, along with the increased errors and broken regulations, are due, in part,  to the low bar of entry into the field of real estate. One Re/Max realtor stated, in a recent Globe and Mail article, that he wasn’t surprised by all the errors and omissions (and commissions). “It’s too easy to become a realtor in British Columbia, so the level of compliance is going to be a problem,” says Keith Roy, a real estate agent who also sits on the professional-conduct committee of the Real Estate Board of Greater Vancouver (REBGV), the member-based association that represents licensed real estate agents in the area. “The No. 1 way to increase public protection is to have more than a 10-week online course to get your licence.”</span></p>\n<h3><b>Factor #7: Lack of unbiased info</b></h3>\n<p><span style=\"font-weight: 400;\">Vancouver&#8217;s growing housing dilemma has put the city on the top of unaffordable lists everywhere. Recently, Demographia ranked the west coast city as the second most unaffordable city out of 325 around the world. The only city to beat Vancouver from claiming the top spot: Hong Kong. </span></p>\n<p><span style=\"font-weight: 400;\">Part of the problem is that no one wants to <em>appear</em> to be killing the cash cow. Worse, is that reliable, unbiased information is hard to come by. In the last year, Ian Young, a reporter at the South China Morning Post highlighted how the centre run by UBC business professor Tsur Somerville—the academic most often quoted in the media regarding Vancouver&#8217;s housing issues—</span><span style=\"font-weight: 400;\">receives part of its funding from developers. Turns out so do some of the city&#8217;s so-called urban think-tanks—the supposed thought-leaders on urban development. </span></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: 400;\">Yet, those with no personal or professional stake in the discussion—such as <span style=\"font-weight: 400;\">Yan, Elizabeth Murphy, a private-sector project manager, David Wachsmuth, a UBC urban geographer, SFU&#8217;s Andrey Pavlov and B.C’s meticulous urban geographer, </span><span style=\"font-weight: 400;\"><a href=\"http://blogs.vancouversun.com/2014/06/27/why-vancouver-housing-is-unaffordable-and-what-to-do-about-it/\">David Ley (author of Millionaire Migrants)</a>—end up dominating headlines for the wrong reasons. When Ley released his findings last year on the impact of high immigration rates and foreign ownership have on real estate prices, </span></span>Somerville and others tossed out labels of &#8220;racist&#8221; and &#8220;xenophobic.&#8221;</p>\n<h3><b>Factor #8: Vancouver wants to grow</b></h3>\n<p><span style=\"font-weight: 400;\">So, why this push for more homeowners and a greater proportion of international investment money? Because the City of Vancouver wants to grow. City personnel suggest that an increase to market residential zoning needs to expand in order to accommodate the million or more people that will settle in the city by 2041. Problem is, this estimated growth is for the entire lower mainland, with only a small fraction establishing a home in the City of Vancouver.</span></p>\n<p><a href=\"http://www.vancouversun.com/business/Opinion+plan+people+profit/10939128/story.html\"><span style=\"font-weight: 400;\">Elizabeth Murphy</span></a><span style=\"font-weight: 400;\">, a private-sector project manager and former property development officer with the City of Vancouver’s Housing and Properties Department and for BC Housing, believes that the city’s rezoning and building plans are anything but transparent. She is convinced that the push for major builds, such as large condo towers, is motivated by those who will benefit financially. She sees the arguments that there is a lack of supply to be misleading and believes that the city is actually overbuilding by approximately 2,000 units every five years. The key, according to Murphy, is not more housing units, but better suited housing units. She believes metro Vancouverites end up in a position of having to rent out units because the units built are expensive and only “serve to promote Vancouver as an investment commodity rather than a planned community.”</span></p>\n<p>Murphy is also concerned that this will have a long-lasting impact on current residents. “What</p>\n<p><span style=\"font-weight: 400;\">most people don’t understand is that all this growth doesn’t make the city any money. On the contrary, the city has to subsidize all this growth. The development fees collected by the city only cover a small fraction, about 10%, of the actual costs of servicing the infrastructure for development and the population growth it brings. The massive development that has been completed over that last few decades has served to increase property taxes and the city’s debt.”</span></p>\n<p>While some growth in any city is inevitable, Murphy and other critics are trying to open up the discussion about how and what to build. “There are many options as to how growth is implemented. There are choices to be made. A concrete jungle of energy-hog glass towers with ugly and expensive monster houses is not inevitable. We can do better.”</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: 400;\">Up next: How Vancouver&#8217;s unaffordable real estate market could seriously impact the future of this city. </span></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/8-factors-that-really-mess-up-vancouvers-real-estate-prices/\">8 factors that really mess up Vancouver&#8217;s real estate prices</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','8 factors that really mess up Vancouver’s real estate prices','<p>From foreign buyers, to unscrupulous agents, here are the mitigating factors that help to push prices up </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/8-factors-that-really-mess-up-vancouvers-real-estate-prices/\">8 factors that really mess up Vancouver&rsquo;s real estate prices</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10190-revision-v1','','','2016-04-22 08:04:09','2016-04-22 12:04:09','',10190,'http://feedwordpress.radgeek.com/?rev=7f257890fb63eae002c169a26e1e6030',0,'revision','',0),(10194,1,'2014-07-21 11:00:02','2014-07-21 11:00:02','The VW Golf is a bit counterculture. It\'s a hatch when most cars are sedans, and its German roots go against the grain, since most vehicles in the segment are either Asian or domestic. KBB\'s Zach Vlasuk finds out if the 7th generation Golf has what it takes to become a household name in the U.S. market.  \n\nFor the latest VW Golf pricing and information:\nhttp://www.kbb.com/volkswagen/golf/2015-volkswagen-golf/\n\nClick here for a brief overview of the 2015 Golf GTI: \nhttps://www.youtube.com/watch?v=PW7WlDdPJa8\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Zach Vlasuk on Twitter, please visit: http://www.twitter.com/zachvlasuk','2015 Volkswagen Golf - Review and Road Test','','publish','open','open','','2015-volkswagen-golf-review-and-road-test','','','2014-07-21 11:00:02','2014-07-21 11:00:02','',0,'http://www.l2ocredit.com/2014/07/21/2015-volkswagen-golf-review-and-road-test/',0,'post','',0),(10195,0,'2016-04-22 08:44:37','2016-04-22 12:44:37','','2015 Volkswagen Golf &#8211; Review and Road Test','','inherit','open','closed','','2015-volkswagen-golf-review-and-road-test-2','','','2016-04-22 08:44:37','2016-04-22 12:44:37','',10194,'http://www.l2ocredit.com/2014/07/21/2015-volkswagen-golf-review-and-road-test/2015-volkswagen-golf-review-and-road-test-2/',0,'attachment','image/jpeg',0),(10196,1,'2013-06-27 22:01:28','2013-06-27 22:01:28','2013 Lexus GS450h Hybrid On the Rack with Mean Gene. Mean Gene takes a look at the Lexus GS 450 h,  a Hybrid designed for performance. He looks past his usual points to discuss the technology that sets the GS Hybrid system apart from other parallel Hybrid propulsion systems.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV','2013 Lexus GS450h Hybrid On the Rack with Mean Gene','','publish','open','open','','2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene','','','2013-06-27 22:01:28','2013-06-27 22:01:28','',0,'http://www.l2ocredit.com/2013/06/27/2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene/',0,'post','',0),(10197,0,'2016-04-22 09:17:40','2016-04-22 13:17:40','','2013 Lexus GS450h Hybrid On the Rack with Mean Gene','','inherit','open','closed','','2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene-2','','','2016-04-22 09:17:40','2016-04-22 13:17:40','',10196,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10198,0,'2016-04-22 09:17:40','2016-04-22 13:17:40','','2013 Lexus GS450h Hybrid On the Rack with Mean Gene','','inherit','open','closed','','2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene-2','','','2016-04-22 09:17:40','2016-04-22 13:17:40','',10196,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10199,0,'2016-04-22 09:17:40','2016-04-22 13:17:40','','2013 Lexus GS450h Hybrid On the Rack with Mean Gene','','inherit','open','closed','','2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene-2','','','2016-04-22 09:17:40','2016-04-22 13:17:40','',10196,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10200,0,'2016-04-22 09:17:41','2016-04-22 13:17:41','','2013 Lexus GS450h Hybrid On the Rack with Mean Gene','','inherit','open','closed','','2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene-3','','','2016-04-22 09:17:41','2016-04-22 13:17:41','',10196,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-lexus-gs450h-hybrid-on-the-rack-with-mean-gene-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10201,1,'2014-06-09 04:41:02','2014-06-09 04:41:02','This week on Alex on Autos I talk about the 2015 Ford Transit, the sad departure of the 6-speed manual from the 2015 Buick Verano, and the pricing on the 2015 Subaru Outback. After that\'s done I take a deep white-board dive into weight balance and handling and how that makes the Audi A4, Lexus IS, BMW 3-Series, Mercedes C-Class and Volvo S60 compare when it comes to handling. Lastly I talk tire \"undulations\" or odd impressions in the sidewall of tires.\nStatistics powered by ChannelMeter http://channelmeter.com','Lexus IS vs Audi A4, weight balance and handling, tire bulges and more','','publish','open','open','','lexus-is-vs-audi-a4-weight-balance-and-handling-tire-bulges-and-more','','','2014-06-09 04:41:02','2014-06-09 04:41:02','',0,'http://www.l2ocredit.com/2014/06/09/lexus-is-vs-audi-a4-weight-balance-and-handling-tire-bulges-and-more/',0,'post','',0),(10202,0,'2016-04-22 09:33:12','2016-04-22 13:33:12','','Lexus IS vs Audi A4, weight balance and handling, tire bulges and more','','inherit','open','closed','','lexus-is-vs-audi-a4-weight-balance-and-handling-tire-bulges-and-more-2','','','2016-04-22 09:33:12','2016-04-22 13:33:12','',10201,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lexus-is-vs-audi-a4-weight-balance-and-handling-tire-bulges-and-more-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10203,0,'2016-04-22 09:33:12','2016-04-22 13:33:12','','Lexus IS vs Audi A4, weight balance and handling, tire bulges and more','','inherit','open','closed','','lexus-is-vs-audi-a4-weight-balance-and-handling-tire-bulges-and-more-3','','','2016-04-22 09:33:12','2016-04-22 13:33:12','',10201,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lexus-is-vs-audi-a4-weight-balance-and-handling-tire-bulges-and-more-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10204,0,'2016-04-22 09:33:12','2016-04-22 13:33:12','','Lexus IS vs Audi A4, weight balance and handling, tire bulges and more','','inherit','open','closed','','lexus-is-vs-audi-a4-weight-balance-and-handling-tire-bulges-and-more-3','','','2016-04-22 09:33:12','2016-04-22 13:33:12','',10201,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lexus-is-vs-audi-a4-weight-balance-and-handling-tire-bulges-and-more-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10205,1,'2016-04-22 09:00:03','2016-04-22 13:00:03','<p><strong>Q: </strong>“I’m selling an older car privately and don’t want to guarantee it. If the buyer gets a safety inspection, am I off the hook?”</p>\n<p><em>—Name withheld, Edmonton, Alta.</em></p>\n<p><strong>A: </strong>A provincial safety standards inspection is not a warranty, although it may give the buyer some peace of mind regarding the condition of some safety systems on the vehicle. Instead, prepare a bill of sale or receipt that includes a disclaimer like the one recommended by Ontario’s Used Car Dealers Association, which states: “This vehicle is being sold ‘as is,’ unfit, not emissions tested and isn’t represented as being in a roadworthy condition, mechanically sound or guaranteed.” Sign it, and make sure the buyer does too.</p>\n<h4>Related: Car insurance in 90 seconds</h4>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT1M17S\" />\n        <meta itemprop=\"description\" content=\"\" />\n    \n    <div style=\"display: none;\"></div>\n\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\"></script>\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\"></script>\n\n    <object id=\"myExperience2594032639001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"2594032639001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/how-to-sell-your-car-privately-without-a-guarantee/\" />\n        <param name=\"autoStart\" value=\"false\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n</div>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20Iny\" >Ask Iny: Leave your auto question for George Iny »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/how-to-sell-your-car-privately-without-a-guarantee/\">How to sell your car without a guarantee</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to sell your car without a guarantee','<p>Here\'s why a bill of sale or receipt may come in handy</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/how-to-sell-your-car-privately-without-a-guarantee/\">How to sell your car without a guarantee</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-22 09:00:03','2016-04-22 13:00:03','',0,'http://www.moneysense.ca/?p=150322',0,'post','',0),(10206,1,'2016-04-22 09:00:03','2016-04-22 13:00:03','<p><strong>Q: </strong>“I’m selling an older car privately and don’t want to guarantee it. If the buyer gets a safety inspection, am I off the hook?”</p>\n<p><em>—Name withheld, Edmonton, Alta.</em></p>\n<p><strong>A: </strong>A provincial safety standards inspection is not a warranty, although it may give the buyer some peace of mind regarding the condition of some safety systems on the vehicle. Instead, prepare a bill of sale or receipt that includes a disclaimer like the one recommended by Ontario’s Used Car Dealers Association, which states: “This vehicle is being sold ‘as is,’ unfit, not emissions tested and isn’t represented as being in a roadworthy condition, mechanically sound or guaranteed.” Sign it, and make sure the buyer does too.</p>\n<h4>Related: Car insurance in 90 seconds</h4>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT1M17S\" />\n        <meta itemprop=\"description\" content=\"\" />\n    \n    <div style=\"display: none;\"></div>\n\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\"></script>\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\"></script>\n\n    <object id=\"myExperience2594032639001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"2594032639001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/how-to-sell-your-car-privately-without-a-guarantee/\" />\n        <param name=\"autoStart\" value=\"false\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n</div>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20Iny\" >Ask Iny: Leave your auto question for George Iny »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/how-to-sell-your-car-privately-without-a-guarantee/\">How to sell your car without a guarantee</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to sell your car without a guarantee','<p>Here\'s why a bill of sale or receipt may come in handy</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/how-to-sell-your-car-privately-without-a-guarantee/\">How to sell your car without a guarantee</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','10205-revision-v1','','','2016-04-22 09:00:03','2016-04-22 13:00:03','',10205,'http://feedwordpress.radgeek.com/?rev=1f16cdcc812cdf458b755134b6646663',0,'revision','',0),(10207,1,'2016-04-22 14:00:05','2016-04-22 14:00:05','Neither are exactly light, but which provides the best hot-hatch driving experience? Full Article: http://wp.me/p3LQCT-13m2\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','Car Comparison | Volkswagen GTI vs Mini Cooper S Clubman | Driving.ca','','pending','open','open','','','','','2016-04-24 06:05:37','2016-04-24 10:05:37','',0,'http://www.l2ocredit.com/2016/04/22/car-comparison-volkswagen-gti-vs-mini-cooper-s-clubman-driving-ca/',0,'post','',0),(10208,0,'2016-04-22 10:07:55','2016-04-22 14:07:55','','Car Comparison | Volkswagen GTI vs Mini Cooper S Clubman | Driving.ca','','inherit','open','closed','','car-comparison-volkswagen-gti-vs-mini-cooper-s-clubman-driving-ca-2','','','2016-04-22 10:07:55','2016-04-22 14:07:55','',10207,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-comparison-volkswagen-gti-vs-mini-cooper-s-clubman-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10209,0,'2016-04-22 10:07:55','2016-04-22 14:07:55','','Car Comparison | Volkswagen GTI vs Mini Cooper S Clubman | Driving.ca','','inherit','open','closed','','car-comparison-volkswagen-gti-vs-mini-cooper-s-clubman-driving-ca-2','','','2016-04-22 10:07:55','2016-04-22 14:07:55','',10207,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-comparison-volkswagen-gti-vs-mini-cooper-s-clubman-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10210,0,'2016-04-22 10:07:56','2016-04-22 14:07:56','','Car Comparison | Volkswagen GTI vs Mini Cooper S Clubman | Driving.ca','','inherit','open','closed','','car-comparison-volkswagen-gti-vs-mini-cooper-s-clubman-driving-ca-3','','','2016-04-22 10:07:56','2016-04-22 14:07:56','',10207,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-comparison-volkswagen-gti-vs-mini-cooper-s-clubman-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10211,1,'2011-11-14 05:25:23','2011-11-14 05:25:23','2009 Infiniti FX50 review from www.motormouth.ca','2009 Infiniti FX50 review','','publish','open','open','','2009-infiniti-fx50-review','','','2011-11-14 05:25:23','2011-11-14 05:25:23','',0,'http://www.l2ocredit.com/2011/11/14/2009-infiniti-fx50-review/',0,'post','',0),(10212,0,'2016-04-22 10:39:42','2016-04-22 14:39:42','','2009 Infiniti FX50 review','','inherit','open','closed','','2009-infiniti-fx50-review-2','','','2016-04-22 10:39:42','2016-04-22 14:39:42','',10211,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-infiniti-fx50-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10213,0,'2016-04-22 10:39:42','2016-04-22 14:39:42','','2009 Infiniti FX50 review','','inherit','open','closed','','2009-infiniti-fx50-review-2','','','2016-04-22 10:39:42','2016-04-22 14:39:42','',10211,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-infiniti-fx50-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(10214,0,'2016-04-22 10:39:42','2016-04-22 14:39:42','','2009 Infiniti FX50 review','','inherit','open','closed','','2009-infiniti-fx50-review-3','','','2016-04-22 10:39:42','2016-04-22 14:39:42','',10211,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-infiniti-fx50-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(10215,0,'2016-04-22 10:39:42','2016-04-22 14:39:42','','2009 Infiniti FX50 review','','inherit','open','closed','','2009-infiniti-fx50-review-4','','','2016-04-22 10:39:42','2016-04-22 14:39:42','',10211,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-infiniti-fx50-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(10216,0,'2016-04-22 10:39:43','2016-04-22 14:39:43','','2009 Infiniti FX50 review','','inherit','open','closed','','2009-infiniti-fx50-review-5','','','2016-04-22 10:39:43','2016-04-22 14:39:43','',10211,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-infiniti-fx50-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(10217,0,'2016-04-22 10:39:43','2016-04-22 14:39:43','','2009 Infiniti FX50 review','','inherit','open','closed','','2009-infiniti-fx50-review-6','','','2016-04-22 10:39:43','2016-04-22 14:39:43','',10211,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-infiniti-fx50-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(10218,0,'2016-04-22 10:39:43','2016-04-22 14:39:43','','2009 Infiniti FX50 review','','inherit','open','closed','','2009-infiniti-fx50-review-7','','','2016-04-22 10:39:43','2016-04-22 14:39:43','',10211,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-infiniti-fx50-review-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(10219,1,'2014-07-22 01:23:01','2014-07-22 01:23:01','Like Us on Facebook! 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