(544,1,'2016-03-14 13:00:12','2016-03-14 17:00:12','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT8M26S\" />\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=\"myExperience4800734585001\" 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=\"4800734585001\" />\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/real-estate/best-deals-in-real-estate-2016-the-case-for-buying-real-estate-in-vancouver/\" />\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/real-estate/best-deals-in-real-estate-2016-the-case-for-buying-real-estate-in-vancouver/\">The case for buying real estate in Vancouver</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The case for buying real estate in Vancouver','<p>Lotusland is the No. 5 best city to buy real estate in. Here\'s why</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2016-the-case-for-buying-real-estate-in-vancouver/\">The case for buying real estate in Vancouver</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','533-revision-v1','','','2016-03-14 13:00:12','2016-03-14 17:00:12','',533,'http://feedwordpress.radgeek.com/?rev=738da11841b341a2e74af0e8068b9778',0,'revision','',0);
INSERT INTO `awfkc_posts` VALUES (545,1,'2016-03-15 16:59:02','2016-03-15 20:59:02','<p>Anyone who took the time to read through Ontario’s 2016 budget in its entirety may have noticed a small discrete paragraph announcing the province’s plan to design and implement a “basic income” pilot program.</p>\n<p>While details remain vague, economists say the intent of the initiative is to lift people out of poverty by providing all residents with a guaranteed minimum income every month—regardless of whether they work or not.</p>\n<p>But how a provincial government might feasibly implement a basic income program, and what the fallout would be for getting it wrong is the subject of much debate.</p>\n<p>Right now, other provinces, including Quebec and Alberta, are flirting with the idea of studying basic income, and federal interest is growing as well. Even outside our borders, it’s a key conversation: This year, Switzerland will vote on a proposal that would guarantee 2,500 Swiss francs a month to all its residents.</p>\n<h3><strong>1. How does basic income work?</strong></h3>\n<p>While there’s no standard definition of basic income, “what you’re seeing in the Ontario budget is an interest in putting an income floor on Ontarians to ensure that everyone has a minimum level of income,” says Craig Alexander, vice president of economic analysis at the C.D. Howe Institute.</p>\n<p>This means that Ontarians participating in the pilot program would receive a monthly cheque from the government regardless of whether they’re actively employed or seeking work. That cheque would replace employment insurance and many other types of social program benefits. “There are big cost savings associated with eliminating programs that would no longer be needed,” says Alexander.</p>\n<p>But how Ontario will define the minimum standard of living and what number you put that income level at is a complex endeavour.<strong> </strong>“It’s the minimum you need to not just survive but to have a reasonable standard of living,” says Benjamin Tal, deputy chief economist of CIBC World Markets Inc. “So the threshold will be a function of the cost of living.&#8221;</p>\n<p><a href=\"http://www.moneysense.ca/news/5-questions-you-probably-have-about-ontarios-free-tuition/\">5 questions you probably have about Ontario&#8217;s free tuition plan » </a></p>\n<h3><strong>2. Has it been tested before?</strong></h3>\n<p>Basic income isn’t a new concept in Canada. In fact, it’s been around for decades. It was previously tested in Dauphin, Man., back in the 1970s as a project jointly funded by the Manitoba government and the Canadian federal government under Prime Minister Pierre Trudeau.</p>\n<p>The purpose of that study, says Tal, was to determine whether a guaranteed minimum income would discourage participants from working. “The main criticism of such a program is that you’re giving residents free money, meaning people will say, ‘I don’t have to work!’”</p>\n<p>For basic income to make sense, adds Alexander, you want it to incentivize savings and investment. “But you don’t want it too high so as to deter people from working.”</p>\n<p>Interestingly, research gathered from the Dauphin experiment didn’t find a significant decline in labour force participation, except within two subgroups: new mothers, who had more money to take a longer maternity leave, and high school students, who stopped working part-time.</p>\n<p>Still, major conclusions shouldn’t be drawn from this one study. “Because it was a pilot program, you don’t treat its findings as permanent,” says Tal.</p>\n<h3><strong>3. Why are we talking about it now?</strong></h3>\n<p>Major structural and technical changes impacting Canada’s labour market have brought basic income back to the forefront of our national dialogue.</p>\n<p>“Globalization means you can produce anything anywhere in the world,” explains Alexander. “A worker in Canada is competing with China or India. But the Canadian market can’t compete on labour costs, which means businesses here need to produce better products and require higher-skilled workers to create them.”</p>\n<p>And then there’s the race against machines replacing labour. “You particularly see the pressure on middle-skilled workers in Canada,” says Alexander.</p>\n<p>Right now, governments see basic income as a potential panacea for these problems: It’s a giant safety net to guarantee Canadians a minimum income if they fail in the labour market and fall below a certain standard of living.</p>\n<p>Tal concurs with this analysis. “We all realize that we are in a midst of significant change in the way the economy is functioning,” he says. “We will have a situation where the skill-sets will not be consistent with what the economy needs. There will be a transition where fewer people will be employed and able to find a job.”</p>\n<h3><strong>4. What could go wrong?</strong></h3>\n<p>Intuitively, basic income sounds very appealing. “It can reduce poverty. It can reduce government program costs,” says Alexander. But scratch below the surface, he adds, and it quickly becomes unwieldy.</p>\n<p>For starters, there’s no unilateral way for governments to roll out such a program. In Ontario, let alone the rest of country, no minimum standard of living could be equally applied to all residents—particularly in cities like Toronto and Vancouver where shelter costs far exceed national averages. If such a program were to be rolled out nationally, “are you going to have higher annual incomes in Ontario versus Manitoba?” asks Alexander. “You could have people moving away from provinces to get income.”</p>\n<p>An even bigger question is how governments will pay for basic income. In a perfect world, basic income would create smaller governments by eliminating many programs for low-income individuals. But that doesn’t mean it still wouldn’t be an incredibly expensive program to get off the ground and running.</p>\n<p>This is why basic income is always a reoccurring theme, says Alexander. “Even though governments are interested, it’s something that will require a lot of investigation. It would be a huge fiscal cost to launch it, but if you get it wrong there would be a huge fiscal consequences.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-questions-you-probably-have-about-basic-income/\">4 questions you probably have about basic income</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','4 questions you probably have about basic income','<p>Ontario is testing the program. Here\'s how it works</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-questions-you-probably-have-about-basic-income/\">4 questions you probably have about basic income</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-15 16:59:02','2016-03-15 20:59:02','',0,'http://www.moneysense.ca/?p=149964',0,'post','',0),(546,1,'2016-03-15 16:59:02','2016-03-15 20:59:02','<p>Anyone who took the time to read through Ontario’s 2016 budget in its entirety may have noticed a small discrete paragraph announcing the province’s plan to design and implement a “basic income” pilot program.</p>\n<p>While details remain vague, economists say the intent of the initiative is to lift people out of poverty by providing all residents with a guaranteed minimum income every month—regardless of whether they work or not.</p>\n<p>But how a provincial government might feasibly implement a basic income program, and what the fallout would be for getting it wrong is the subject of much debate.</p>\n<p>Right now, other provinces, including Quebec and Alberta, are flirting with the idea of studying basic income, and federal interest is growing as well. Even outside our borders, it’s a key conversation: This year, Switzerland will vote on a proposal that would guarantee 2,500 Swiss francs a month to all its residents.</p>\n<h3><strong>1. How does basic income work?</strong></h3>\n<p>While there’s no standard definition of basic income, “what you’re seeing in the Ontario budget is an interest in putting an income floor on Ontarians to ensure that everyone has a minimum level of income,” says Craig Alexander, vice president of economic analysis at the C.D. Howe Institute.</p>\n<p>This means that Ontarians participating in the pilot program would receive a monthly cheque from the government regardless of whether they’re actively employed or seeking work. That cheque would replace employment insurance and many other types of social program benefits. “There are big cost savings associated with eliminating programs that would no longer be needed,” says Alexander.</p>\n<p>But how Ontario will define the minimum standard of living and what number you put that income level at is a complex endeavour.<strong> </strong>“It’s the minimum you need to not just survive but to have a reasonable standard of living,” says Benjamin Tal, deputy chief economist of CIBC World Markets Inc. “So the threshold will be a function of the cost of living.&#8221;</p>\n<p><a href=\"http://www.moneysense.ca/news/5-questions-you-probably-have-about-ontarios-free-tuition/\">5 questions you probably have about Ontario&#8217;s free tuition plan » </a></p>\n<h3><strong>2. Has it been tested before?</strong></h3>\n<p>Basic income isn’t a new concept in Canada. In fact, it’s been around for decades. It was previously tested in Dauphin, Man., back in the 1970s as a project jointly funded by the Manitoba government and the Canadian federal government under Prime Minister Pierre Trudeau.</p>\n<p>The purpose of that study, says Tal, was to determine whether a guaranteed minimum income would discourage participants from working. “The main criticism of such a program is that you’re giving residents free money, meaning people will say, ‘I don’t have to work!’”</p>\n<p>For basic income to make sense, adds Alexander, you want it to incentivize savings and investment. “But you don’t want it too high so as to deter people from working.”</p>\n<p>Interestingly, research gathered from the Dauphin experiment didn’t find a significant decline in labour force participation, except within two subgroups: new mothers, who had more money to take a longer maternity leave, and high school students, who stopped working part-time.</p>\n<p>Still, major conclusions shouldn’t be drawn from this one study. “Because it was a pilot program, you don’t treat its findings as permanent,” says Tal.</p>\n<h3><strong>3. Why are we talking about it now?</strong></h3>\n<p>Major structural and technical changes impacting Canada’s labour market have brought basic income back to the forefront of our national dialogue.</p>\n<p>“Globalization means you can produce anything anywhere in the world,” explains Alexander. “A worker in Canada is competing with China or India. But the Canadian market can’t compete on labour costs, which means businesses here need to produce better products and require higher-skilled workers to create them.”</p>\n<p>And then there’s the race against machines replacing labour. “You particularly see the pressure on middle-skilled workers in Canada,” says Alexander.</p>\n<p>Right now, governments see basic income as a potential panacea for these problems: It’s a giant safety net to guarantee Canadians a minimum income if they fail in the labour market and fall below a certain standard of living.</p>\n<p>Tal concurs with this analysis. “We all realize that we are in a midst of significant change in the way the economy is functioning,” he says. “We will have a situation where the skill-sets will not be consistent with what the economy needs. There will be a transition where fewer people will be employed and able to find a job.”</p>\n<h3><strong>4. What could go wrong?</strong></h3>\n<p>Intuitively, basic income sounds very appealing. “It can reduce poverty. It can reduce government program costs,” says Alexander. But scratch below the surface, he adds, and it quickly becomes unwieldy.</p>\n<p>For starters, there’s no unilateral way for governments to roll out such a program. In Ontario, let alone the rest of country, no minimum standard of living could be equally applied to all residents—particularly in cities like Toronto and Vancouver where shelter costs far exceed national averages. If such a program were to be rolled out nationally, “are you going to have higher annual incomes in Ontario versus Manitoba?” asks Alexander. “You could have people moving away from provinces to get income.”</p>\n<p>An even bigger question is how governments will pay for basic income. In a perfect world, basic income would create smaller governments by eliminating many programs for low-income individuals. But that doesn’t mean it still wouldn’t be an incredibly expensive program to get off the ground and running.</p>\n<p>This is why basic income is always a reoccurring theme, says Alexander. “Even though governments are interested, it’s something that will require a lot of investigation. It would be a huge fiscal cost to launch it, but if you get it wrong there would be a huge fiscal consequences.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-questions-you-probably-have-about-basic-income/\">4 questions you probably have about basic income</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','4 questions you probably have about basic income','<p>Ontario is testing the program. Here\'s how it works</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-questions-you-probably-have-about-basic-income/\">4 questions you probably have about basic income</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','545-revision-v1','','','2016-03-15 16:59:02','2016-03-15 20:59:02','',545,'http://feedwordpress.radgeek.com/?rev=5f4b8cb503446615a5103c1db75d4ad2',0,'revision','',0),(547,1,'2016-03-15 14:47:10','2016-03-15 18:47:10','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT12M13S\" />\n        <meta itemprop=\"thumbnailUrl\" content=\"http://newsandbusiness.rogersdigitalmedia.com.edgesuite.net/bcassets/13639244001/13639244001_4802268376001_WTB-Toronto---Brightcove-V2.jpg?pubId=13639244001\" />\n        <meta itemprop=\"name\" content=\"Best Deals in Real Estate 2016: Where to buy in Toronto\" />\n        <meta itemprop=\"description\" content=\"Senior MoneySense editors Mark Brown and Romana King discuss top Toronto neighbourhoods to buy real estate in.\" />\n        <meta itemprop=\"uploadDate\" content=\"2016-03-15T18:11:10+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=\"myExperience4802286020001\" 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=\"4802286020001\" />\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/real-estate/best-deals-in-real-estate-2016-torontos-top-neighbourhoods/\" />\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/real-estate/the-top-spots-to-buy-real-estate-in-toronto/\">The top spots to buy real estate in Toronto</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The top spots to buy real estate in Toronto','<p>These neighbourhoods may not be sexy but are poised for growth </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/the-top-spots-to-buy-real-estate-in-toronto/\">The top spots to buy real estate in Toronto</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','535-revision-v1','','','2016-03-15 14:47:10','2016-03-15 18:47:10','',535,'http://feedwordpress.radgeek.com/?rev=c975a6b4a92947a91dee1c4eb2dcdf35',0,'revision','',0),(548,1,'2016-03-16 14:43:16','2016-03-16 18:43:16','<div id=\"attachment_150038\" style=\"width: 657px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-150038\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-12.55.12-PM.png\" alt=\"(Century 21/Paul Indrigo)\" width=\"647\" height=\"433\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-12.55.12-PM-300x201.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-12.55.12-PM.png 647w\" sizes=\"(max-width: 647px) 100vw, 647px\" /><p class=\"wp-caption-text\">(Century 21 / Paul Indrigo)</p></div>\n<p>Would you pay $1 for a century-old, 25,000-square-foot mansion that needs a little TLC?</p>\n<p>That&#8217;s how much Toronto&#8217;s William Harris House is being <a href=\"http://www.century21.ca/paul.indrigo/Property/ON/M4K3P7/Toronto/450_Pape_Ave_1\" >listed for</a>, in a city where the average price for a semi-detached home is closer to $1 million.</p>\n<p>The $1 price tag sounds too good to be true and that&#8217;s because it is: The taxes on the abandoned building (a former home for single mothers that the Salvation Army purchased in the 1930s) adds up to an estimated $35,207 per year.</p>\n<p>Using the City of Toronto&#8217;s handy <a href=\"http://wx.toronto.ca/inter/fin/tax.nsf/tax?openform\" >property tax calculator</a>, the more than $35,000 bill would put the actual value of the mansion at around $5 million, <a href=\"http://www.ctvnews.ca/canada/derelict-toronto-mansion-listed-for-sale-at-1-1.2819032\" >according to CTV News</a>.</p>\n<p>Despite its dilapidated condition, this way exceeds the average price of <a href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2016-full-toronto-neighbourhood-rankings/\" >$808,000 for its Riverdale neighbourhood</a> (which came in at 406 out of 431 in our annual ranking of Toronto &#8216;hoods) where the property can be found.</p>\n<p>But as is <a href=\"http://www.theglobeandmail.com/life/home-and-garden/real-estate/this-toronto-bungalow-sold-for-421800-over-asking-yes-really/article4092559/\" >often the case</a> in Toronto&#8217;s booming real estate market, realtors expect the house will be sold for significantly over asking.</p>\n<p>“We’re just putting it out there and seeing what potential it has,&#8221; told real estate agent Matthew Pringle to <a href=\"http://www.metronews.ca/news/toronto/2016/03/14/why-this-toronto-heritage-home-is-selling-for-one-dollar.html\" >Metro Toronto</a>. &#8220;There’s no point putting a certain number on it because for some people it will be overpriced and for some it will be a steal.&#8221;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buy-this-toronto-mansion-for-just-1/\">Buy this Toronto mansion for just $1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Buy this Toronto mansion for just $1','<p>The 25K square-foot property is expected to be sold over asking</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buy-this-toronto-mansion-for-just-1/\">Buy this Toronto mansion for just $1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-16 14:43:16','2016-03-16 18:43:16','',0,'http://www.moneysense.ca/?p=150036',0,'post','',0),(549,1,'2016-03-16 14:43:16','2016-03-16 18:43:16','<div id=\"attachment_150038\" style=\"width: 657px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-150038\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-12.55.12-PM.png\" alt=\"(Century 21/Paul Indrigo)\" width=\"647\" height=\"433\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-12.55.12-PM-300x201.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-12.55.12-PM.png 647w\" sizes=\"(max-width: 647px) 100vw, 647px\" /><p class=\"wp-caption-text\">(Century 21 / Paul Indrigo)</p></div>\n<p>Would you pay $1 for a century-old, 25,000-square-foot mansion that needs a little TLC?</p>\n<p>That&#8217;s how much Toronto&#8217;s William Harris House is being <a href=\"http://www.century21.ca/paul.indrigo/Property/ON/M4K3P7/Toronto/450_Pape_Ave_1\" >listed for</a>, in a city where the average price for a semi-detached home is closer to $1 million.</p>\n<p>The $1 price tag sounds too good to be true and that&#8217;s because it is: The taxes on the abandoned building (a former home for single mothers that the Salvation Army purchased in the 1930s) adds up to an estimated $35,207 per year.</p>\n<p>Using the City of Toronto&#8217;s handy <a href=\"http://wx.toronto.ca/inter/fin/tax.nsf/tax?openform\" >property tax calculator</a>, the more than $35,000 bill would put the actual value of the mansion at around $5 million, <a href=\"http://www.ctvnews.ca/canada/derelict-toronto-mansion-listed-for-sale-at-1-1.2819032\" >according to CTV News</a>.</p>\n<p>Despite its dilapidated condition, this way exceeds the average price of <a href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2016-full-toronto-neighbourhood-rankings/\" >$808,000 for its Riverdale neighbourhood</a> (which came in at 406 out of 431 in our annual ranking of Toronto &#8216;hoods) where the property can be found.</p>\n<p>But as is <a href=\"http://www.theglobeandmail.com/life/home-and-garden/real-estate/this-toronto-bungalow-sold-for-421800-over-asking-yes-really/article4092559/\" >often the case</a> in Toronto&#8217;s booming real estate market, realtors expect the house will be sold for significantly over asking.</p>\n<p>“We’re just putting it out there and seeing what potential it has,&#8221; told real estate agent Matthew Pringle to <a href=\"http://www.metronews.ca/news/toronto/2016/03/14/why-this-toronto-heritage-home-is-selling-for-one-dollar.html\" >Metro Toronto</a>. &#8220;There’s no point putting a certain number on it because for some people it will be overpriced and for some it will be a steal.&#8221;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buy-this-toronto-mansion-for-just-1/\">Buy this Toronto mansion for just $1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Buy this Toronto mansion for just $1','<p>The 25K square-foot property is expected to be sold over asking</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buy-this-toronto-mansion-for-just-1/\">Buy this Toronto mansion for just $1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','548-revision-v1','','','2016-03-16 14:43:16','2016-03-16 18:43:16','',548,'http://feedwordpress.radgeek.com/?rev=23c7a5303b59dab838f32ba659a3a666',0,'revision','',0),(550,1,'2016-03-16 13:30:22','2016-03-16 17:30:22','\n        <meta itemprop=\"duration\" content=\"PT11M20S\" />\n        <meta itemprop=\"thumbnailUrl\" content=\"http://www.moneysense.ca/wp-content/uploads/2016/03/WTB-Vancouver_401-150x150.jpg\" />\n        <meta itemprop=\"name\" content=\"This $2.2M neighbourhood is Vancouver&amp;#8217;s best\" />\n        <meta itemprop=\"description\" content=\"Ambleside&#039;s high prices are still lower than the rest of town. Here&#039;s what else it offers\" />\n        <meta itemprop=\"uploadDate\" content=\"2016-03-16T13:30:22+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=\"myExperience4804114639001\" 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=\"4804114639001\" />\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/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\" />\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>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\">This $2.2M neighbourhood is Vancouver&#8217;s best</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','This $2.2M neighbourhood is Vancouver’s best','<p>Ambleside\'s high prices are still lower than the rest of town. Here\'s what else it offers</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\">This $2.2M neighbourhood is Vancouver&rsquo;s best</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-16 13:30:22','2016-03-16 17:30:22','',0,'http://www.moneysense.ca/?p=150048',0,'post','',0),(551,1,'2016-03-16 13:30:22','2016-03-16 17:30:22','\n        <meta itemprop=\"duration\" content=\"PT11M20S\" />\n        <meta itemprop=\"thumbnailUrl\" content=\"http://www.moneysense.ca/wp-content/uploads/2016/03/WTB-Vancouver_401-150x150.jpg\" />\n        <meta itemprop=\"name\" content=\"This $2.2M neighbourhood is Vancouver&amp;#8217;s best\" />\n        <meta itemprop=\"description\" content=\"Ambleside&#039;s high prices are still lower than the rest of town. Here&#039;s what else it offers\" />\n        <meta itemprop=\"uploadDate\" content=\"2016-03-16T13:30:22+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=\"myExperience4804114639001\" 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=\"4804114639001\" />\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/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\" />\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>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\">This $2.2M neighbourhood is Vancouver&#8217;s best</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','This $2.2M neighbourhood is Vancouver’s best','<p>Ambleside\'s high prices are still lower than the rest of town. Here\'s what else it offers</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\">This $2.2M neighbourhood is Vancouver&rsquo;s best</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','550-revision-v1','','','2016-03-16 13:30:22','2016-03-16 17:30:22','',550,'http://feedwordpress.radgeek.com/?rev=4ed12dab890d51a8c9aecae40657f028',0,'revision','',0),(552,1,'2016-03-16 11:06:16','2016-03-16 15:06:16','<p>TORONTO – Canada Mortgage and Housing Corporation is continuing to explore the possibility of forcing banks to shoulder more of the risk associated with home mortgage loans.</p>\n<p>During a speech in Calgary, CMHC president and CEO Evan Siddall said the option of requiring lenders to pay a deductible on mortgage insurance claims is still on a table.</p>\n<p>According to speaking notes posted on the website of the federal housing agency, Siddall told his audience that the CMHC is working with a number of government entities, including the Department of Finance and the Bank of Canada, to examine ways of better distributing risk across the financial system.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/mortgages/we-dont-charge-you-mortgage-insurance-cmhc/\">We don’t charge you mortgage insurance: CMHC » </a></p>\n<p>The idea of having banks pay a deductible on mortgage insurance claims was first floated by CMHC under the previous Conservative government.</p>\n<p>It’s been unclear whether the new Liberal government is interested in pursuing the idea.</p>\n<p>Homebuyers with less than a 20 per cent down payment are required to obtain mortgage default insurance from either CMHC or one of the private mortgage insurers.</p>\n<p>The Canadian Bankers Association warned the previous government that shifting more mortgage risk onto the banks could threaten the country’s financial stability.</p>\n<p>The industry association laid out its position in a letter to CMHC penned in August 2014, which was obtained by The Canadian Press through an Access to Information request last year.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/do-you-need-mortgage-life-insurance/\">Do you need mortgage life insurance? » </a></p>\n<p>The Department of Finance said last November that it had undertaken preliminary research to examine the impact of shifting more of the risk to the banks.</p>\n<p>Siddall made his comments Monday during a luncheon hosted by the C.D. Howe Institute, a think-tank that once called for the privatization of the CMHC.</p>\n<p>During his speech, Siddall defended the organization’s status as a public institution, arguing that it played an important role during the 2008 global financial crisis.</p>\n<p>“As a Crown corporation with a public policy mandate, CMHC needs to be present in the market through all economic cycles,” he said.</p>\n<p>“This is a fundamental way in which we contribute to Canada’s financial stability. In fact, our role now in Alberta is to support continuous access for Albertans to the housing market, even if private insurers choose to pull back.”</p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/cmhc-banks-should-pay-deductible-on-mortgage-insurance/\">CMCH: Banks should take on more home mortgage risk</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','CMCH: Banks should take on more home mortgage risk','<p>Getting banks to pay a deductible on mortgage insurance on the table</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/cmhc-banks-should-pay-deductible-on-mortgage-insurance/\">CMCH: Banks should take on more home mortgage risk</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-16 11:06:16','2016-03-16 15:06:16','',0,'http://www.moneysense.ca/?p=150014',0,'post','',0),(553,1,'2016-03-16 11:06:16','2016-03-16 15:06:16','<p>TORONTO – Canada Mortgage and Housing Corporation is continuing to explore the possibility of forcing banks to shoulder more of the risk associated with home mortgage loans.</p>\n<p>During a speech in Calgary, CMHC president and CEO Evan Siddall said the option of requiring lenders to pay a deductible on mortgage insurance claims is still on a table.</p>\n<p>According to speaking notes posted on the website of the federal housing agency, Siddall told his audience that the CMHC is working with a number of government entities, including the Department of Finance and the Bank of Canada, to examine ways of better distributing risk across the financial system.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/mortgages/we-dont-charge-you-mortgage-insurance-cmhc/\">We don’t charge you mortgage insurance: CMHC » </a></p>\n<p>The idea of having banks pay a deductible on mortgage insurance claims was first floated by CMHC under the previous Conservative government.</p>\n<p>It’s been unclear whether the new Liberal government is interested in pursuing the idea.</p>\n<p>Homebuyers with less than a 20 per cent down payment are required to obtain mortgage default insurance from either CMHC or one of the private mortgage insurers.</p>\n<p>The Canadian Bankers Association warned the previous government that shifting more mortgage risk onto the banks could threaten the country’s financial stability.</p>\n<p>The industry association laid out its position in a letter to CMHC penned in August 2014, which was obtained by The Canadian Press through an Access to Information request last year.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/do-you-need-mortgage-life-insurance/\">Do you need mortgage life insurance? » </a></p>\n<p>The Department of Finance said last November that it had undertaken preliminary research to examine the impact of shifting more of the risk to the banks.</p>\n<p>Siddall made his comments Monday during a luncheon hosted by the C.D. Howe Institute, a think-tank that once called for the privatization of the CMHC.</p>\n<p>During his speech, Siddall defended the organization’s status as a public institution, arguing that it played an important role during the 2008 global financial crisis.</p>\n<p>“As a Crown corporation with a public policy mandate, CMHC needs to be present in the market through all economic cycles,” he said.</p>\n<p>“This is a fundamental way in which we contribute to Canada’s financial stability. In fact, our role now in Alberta is to support continuous access for Albertans to the housing market, even if private insurers choose to pull back.”</p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/cmhc-banks-should-pay-deductible-on-mortgage-insurance/\">CMCH: Banks should take on more home mortgage risk</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','CMCH: Banks should take on more home mortgage risk','<p>Getting banks to pay a deductible on mortgage insurance on the table</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/cmhc-banks-should-pay-deductible-on-mortgage-insurance/\">CMCH: Banks should take on more home mortgage risk</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','552-revision-v1','','','2016-03-16 11:06:16','2016-03-16 15:06:16','',552,'http://feedwordpress.radgeek.com/?rev=9797ae7fd5cc1b8207be2994044b0e75',0,'revision','',0),(554,1,'2016-03-16 10:17:54','2016-03-16 14:17:54','<p><strong>Q: </strong>“I use non-hedged ETFs for US and international equities, which worked out well as the Canadian dollar tanked. But the loonie is now so low that I wonder if it makes sense to move to the hedged versions. My thinking that there is limited risk from the loonie falling much further, and a bigger risk from its recovery.” – B.G.</p>\n<p><strong>A: </strong>It’s hard to believe it was just three years ago that the loonie was at par with the US dollar. Since 2013 our currency has trended steadily downward, reaching a low of $0.68 USD in late January, a level not seen since 2003.</p>\n<p>My <a href=\"http://canadiancouchpotato.com/model-portfolios-2/\" >model portfolios</a> recommend US and international equity index funds that do not <a href=\"http://www.bmo.com/pdf/Currency_Hedging_EN.pdf\" >hedge their currency exposure</a>. That means when the loonie falls in value relative to the US dollar and other foreign currencies, these funds get a <a href=\"http://canadiancouchpotato.com/2014/01/13/how-a-falling-loonie-affects-us-equity-etfs/\" >boost in returns</a>. That was particularly dramatic in <a href=\"http://canadiancouchpotato.com/2016/01/11/couch-potato-portfolio-returns-for-2015/\">2015</a>, when US and international equities posted only modest returns in their native currencies but netted close to 20% for Canadians on the strength of the currency appreciation.</p>\n<p>Expecting a repeat of that performance is foolishly optimistic. But neither would I recommend that investors switch to currency hedged funds now, even though these may benefit from a rising Canadian dollar. Here’s why:</p>\n<p><strong>Interest rates had to go up, too. </strong>A couple of years ago, the most popular <a href=\"http://canadiancouchpotato.com/2013/09/16/ask-the-spud-should-i-fear-rising-interest-rates/\" >question</a> I received from investors was, “Should I avoid bond ETFs given that interest rates are certain to rise?” We all know how that has played out: rates have continued to fall, and anyone who got out of bonds during the last several years has been <a href=\"http://canadiancouchpotato.com/2014/07/04/bond-bears-admit-you-were-wrong/\" >severely punished</a>. In fact, bonds have handily outperformed Canadian stocks over the last five- and 10-year periods.</p>\n<p>Now it’s the weak loonie that apparently has “nowhere to go but up.” Maybe, but the last seven or eight years have shown us such moves are never predictable. I wrote a <a href=\"http://canadiancouchpotato.com/2015/02/04/stepping-back-from-the-hedge/\" >blog on this subject</a> more than a year ago, remarking at the time that “the Canadian dollar has taken a beating” since mid-2014. Of course, it went on to fall another 10 cents during 2015. Just because it’s near the low end of its historical range doesn’t mean it can’t <a href=\"http://www.cbc.ca/news/business/macquarie-loonie-forecast-1.3401644\" >go lower</a>.</p>\n<p><strong>Hedging is unreliable</strong>. Currency hedged ETFs often fail to perform as you’d expect. As <a href=\"https://www.pwlcapital.com/en/Advisor/Toronto/Toronto-Team/Blog/Justin-Bender/September-2012/The-U-S-Currency-Hedging-Decision\" >Justin Bender has shown</a>, the last time the loonie rose sharply the currency-hedged <a href=\"http://www.blackrock.com/ca/individual/en/products/239727/ishares-sp-500-index-etf-cadhedged-fund\" >iShares Core S&amp;P 500 (XSP)</a>delivered no benefit at all. From 2006 through 2011 its return was actually a bit <em>lower</em> than that of its unhedged counterparts, even though the Canadian dollar rose more than 14% during that period.</p>\n<p>To be fair (hat tip to reader Shaun R. for pointing this out), <a href=\"http://www.blackrock.com/ca/individual/en/products/239727/ishares-sp-500-index-etf-cadhedged-fund\" >XSP</a> and Vanguard’s equivalent (<a href=\"https://www.vanguardcanada.ca/individual/mvc/detail/etf/overview?portId=9562&amp;assetCode=EQUITY\" >VSP</a>) have tracked their indexes far more accurately since the start of 2012. So it’s possible these funds have improved the way they implement their strategy and that their investors really will benefit from a rising loonie. But the jury is still out.</p>\n<p><strong>A currency-hedged portfolio is more volatile</strong>. One of the biggest misunderstandings about currency hedging is that it reduces risk. In fact, for Canadian investors, <a href=\"http://canadiancouchpotato.com/2014/03/06/why-currency-hedging-doesnt-work-in-canada/\" >the opposite is true</a>. Exposure to the US dollar reduces volatility in a portfolio because the currency has <a href=\"http://www.investopedia.com/terms/n/negative-correlation.asp\" >negative correlation</a> with the global equity markets. In other words, when stocks markets around the word do poorly, the US dollar tends to appreciate, which makes for smaller losses in a globally diversified portfolio. While switching to currency hedged ETFs might appear to be removing currency exposure, it’s actually concentrating that risk.</p>\n<p><strong>You won’t know when to switch back</strong>. And now we come to the biggest problem with switching to currency hedged ETFs. Presumably those who are planning this move don’t intend to make it permanent: once the Canadian dollar recovers, the logical thing to so would be to switch back to the unhedged versions before the cycle repeats. That sounds simple, but is it?</p>\n<p>First, what is your target? Will you revert to unhedged ETFs when the loonie gets to $0.90 USD? Or wait until the currencies are at par? Perhaps hanging on past $0.85 USD is pushing your luck. I have no idea, and chances are you don’t either. Maybe you’ll just wait until it “feels right.”</p>\n<p>Trying to time currencies no different from any other tactical move: you need to be <a href=\"http://www.forbes.com/sites/rickferri/2014/06/12/the-problem-with-market-timing/#ba535ea7e08e\" >right on the way in and on the way out</a>, and you probably won’t be. Indeed, most investors who engage in this kind of activity have only a vague idea of when they will reverse the trade, and even those with a process can fall prey to their emotions and fail to pull the trigger.</p>\n<p>Finally, let’s not forget that even if you end up getting the timing right and the hedged ETFs track their indexes perfectly, transaction costs and capital gains taxes can still take a significant bite out of your profits.</p>\n<p>So instead of switching between hedged and unhedged ETFs, I suggest a more humble approach. Build a global equity portfolio with unhedged ETFs (which offer better diversification and tighter tracking error) and stick to your plan, even when it feels like it’s not working. Accept that there will always be periods when currencies (just like bonds and stocks) fall in value—that’s the why we <a href=\"http://canadiancouchpotato.com/2013/07/02/why-diversification-is-a-piece-of-cake/\" >diversify</a>. And when foreign currencies juice your returns, as they have recently, take the opportunity to <a href=\"http://canadiancouchpotato.com/2015/02/09/rebalancing-with-foreign-currencies/\" >rebalance your portfolio</a>, just as you would if the gains came from the underlying stocks.</p>\n<p>When investors talk about switching their hedging strategy these days, they often add a comment like, “I know we shouldn’t time the markets, but…” The insight comes when you realize there’s no <em>but</em>. Whether it’s currencies, interest rates, or stocks, the markets have a way of humbling anyone who tries to <a href=\"http://canadiancouchpotato.com/2015/01/01/the-folly-of-forecasts/\" >guess their next move</a>.</p>\n<p><em>This article originally appeared on <a href=\"http://canadiancouchpotato.com/\" >The Canadian Couch Potato</a>.</em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/index-funds/is-it-time-to-switch-to-currency-hedged-funds/\">Is it time to switch to currency-hedged funds?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Is it time to switch to currency-hedged funds?','<p>They may benefit from a rising loonie but you may want to hold off</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/index-funds/is-it-time-to-switch-to-currency-hedged-funds/\">Is it time to switch to currency-hedged funds?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-16 10:17:54','2016-03-16 14:17:54','',0,'http://www.moneysense.ca/?p=150002',0,'post','',0),(555,1,'2016-03-16 10:17:54','2016-03-16 14:17:54','<p><strong>Q: </strong>“I use non-hedged ETFs for US and international equities, which worked out well as the Canadian dollar tanked. But the loonie is now so low that I wonder if it makes sense to move to the hedged versions. My thinking that there is limited risk from the loonie falling much further, and a bigger risk from its recovery.” – B.G.</p>\n<p><strong>A: </strong>It’s hard to believe it was just three years ago that the loonie was at par with the US dollar. Since 2013 our currency has trended steadily downward, reaching a low of $0.68 USD in late January, a level not seen since 2003.</p>\n<p>My <a href=\"http://canadiancouchpotato.com/model-portfolios-2/\" >model portfolios</a> recommend US and international equity index funds that do not <a href=\"http://www.bmo.com/pdf/Currency_Hedging_EN.pdf\" >hedge their currency exposure</a>. That means when the loonie falls in value relative to the US dollar and other foreign currencies, these funds get a <a href=\"http://canadiancouchpotato.com/2014/01/13/how-a-falling-loonie-affects-us-equity-etfs/\" >boost in returns</a>. That was particularly dramatic in <a href=\"http://canadiancouchpotato.com/2016/01/11/couch-potato-portfolio-returns-for-2015/\">2015</a>, when US and international equities posted only modest returns in their native currencies but netted close to 20% for Canadians on the strength of the currency appreciation.</p>\n<p>Expecting a repeat of that performance is foolishly optimistic. But neither would I recommend that investors switch to currency hedged funds now, even though these may benefit from a rising Canadian dollar. Here’s why:</p>\n<p><strong>Interest rates had to go up, too. </strong>A couple of years ago, the most popular <a href=\"http://canadiancouchpotato.com/2013/09/16/ask-the-spud-should-i-fear-rising-interest-rates/\" >question</a> I received from investors was, “Should I avoid bond ETFs given that interest rates are certain to rise?” We all know how that has played out: rates have continued to fall, and anyone who got out of bonds during the last several years has been <a href=\"http://canadiancouchpotato.com/2014/07/04/bond-bears-admit-you-were-wrong/\" >severely punished</a>. In fact, bonds have handily outperformed Canadian stocks over the last five- and 10-year periods.</p>\n<p>Now it’s the weak loonie that apparently has “nowhere to go but up.” Maybe, but the last seven or eight years have shown us such moves are never predictable. I wrote a <a href=\"http://canadiancouchpotato.com/2015/02/04/stepping-back-from-the-hedge/\" >blog on this subject</a> more than a year ago, remarking at the time that “the Canadian dollar has taken a beating” since mid-2014. Of course, it went on to fall another 10 cents during 2015. Just because it’s near the low end of its historical range doesn’t mean it can’t <a href=\"http://www.cbc.ca/news/business/macquarie-loonie-forecast-1.3401644\" >go lower</a>.</p>\n<p><strong>Hedging is unreliable</strong>. Currency hedged ETFs often fail to perform as you’d expect. As <a href=\"https://www.pwlcapital.com/en/Advisor/Toronto/Toronto-Team/Blog/Justin-Bender/September-2012/The-U-S-Currency-Hedging-Decision\" >Justin Bender has shown</a>, the last time the loonie rose sharply the currency-hedged <a href=\"http://www.blackrock.com/ca/individual/en/products/239727/ishares-sp-500-index-etf-cadhedged-fund\" >iShares Core S&amp;P 500 (XSP)</a>delivered no benefit at all. From 2006 through 2011 its return was actually a bit <em>lower</em> than that of its unhedged counterparts, even though the Canadian dollar rose more than 14% during that period.</p>\n<p>To be fair (hat tip to reader Shaun R. for pointing this out), <a href=\"http://www.blackrock.com/ca/individual/en/products/239727/ishares-sp-500-index-etf-cadhedged-fund\" >XSP</a> and Vanguard’s equivalent (<a href=\"https://www.vanguardcanada.ca/individual/mvc/detail/etf/overview?portId=9562&amp;assetCode=EQUITY\" >VSP</a>) have tracked their indexes far more accurately since the start of 2012. So it’s possible these funds have improved the way they implement their strategy and that their investors really will benefit from a rising loonie. But the jury is still out.</p>\n<p><strong>A currency-hedged portfolio is more volatile</strong>. One of the biggest misunderstandings about currency hedging is that it reduces risk. In fact, for Canadian investors, <a href=\"http://canadiancouchpotato.com/2014/03/06/why-currency-hedging-doesnt-work-in-canada/\" >the opposite is true</a>. Exposure to the US dollar reduces volatility in a portfolio because the currency has <a href=\"http://www.investopedia.com/terms/n/negative-correlation.asp\" >negative correlation</a> with the global equity markets. In other words, when stocks markets around the word do poorly, the US dollar tends to appreciate, which makes for smaller losses in a globally diversified portfolio. While switching to currency hedged ETFs might appear to be removing currency exposure, it’s actually concentrating that risk.</p>\n<p><strong>You won’t know when to switch back</strong>. And now we come to the biggest problem with switching to currency hedged ETFs. Presumably those who are planning this move don’t intend to make it permanent: once the Canadian dollar recovers, the logical thing to so would be to switch back to the unhedged versions before the cycle repeats. That sounds simple, but is it?</p>\n<p>First, what is your target? Will you revert to unhedged ETFs when the loonie gets to $0.90 USD? Or wait until the currencies are at par? Perhaps hanging on past $0.85 USD is pushing your luck. I have no idea, and chances are you don’t either. Maybe you’ll just wait until it “feels right.”</p>\n<p>Trying to time currencies no different from any other tactical move: you need to be <a href=\"http://www.forbes.com/sites/rickferri/2014/06/12/the-problem-with-market-timing/#ba535ea7e08e\" >right on the way in and on the way out</a>, and you probably won’t be. Indeed, most investors who engage in this kind of activity have only a vague idea of when they will reverse the trade, and even those with a process can fall prey to their emotions and fail to pull the trigger.</p>\n<p>Finally, let’s not forget that even if you end up getting the timing right and the hedged ETFs track their indexes perfectly, transaction costs and capital gains taxes can still take a significant bite out of your profits.</p>\n<p>So instead of switching between hedged and unhedged ETFs, I suggest a more humble approach. Build a global equity portfolio with unhedged ETFs (which offer better diversification and tighter tracking error) and stick to your plan, even when it feels like it’s not working. Accept that there will always be periods when currencies (just like bonds and stocks) fall in value—that’s the why we <a href=\"http://canadiancouchpotato.com/2013/07/02/why-diversification-is-a-piece-of-cake/\" >diversify</a>. And when foreign currencies juice your returns, as they have recently, take the opportunity to <a href=\"http://canadiancouchpotato.com/2015/02/09/rebalancing-with-foreign-currencies/\" >rebalance your portfolio</a>, just as you would if the gains came from the underlying stocks.</p>\n<p>When investors talk about switching their hedging strategy these days, they often add a comment like, “I know we shouldn’t time the markets, but…” The insight comes when you realize there’s no <em>but</em>. Whether it’s currencies, interest rates, or stocks, the markets have a way of humbling anyone who tries to <a href=\"http://canadiancouchpotato.com/2015/01/01/the-folly-of-forecasts/\" >guess their next move</a>.</p>\n<p><em>This article originally appeared on <a href=\"http://canadiancouchpotato.com/\" >The Canadian Couch Potato</a>.</em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/index-funds/is-it-time-to-switch-to-currency-hedged-funds/\">Is it time to switch to currency-hedged funds?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Is it time to switch to currency-hedged funds?','<p>They may benefit from a rising loonie but you may want to hold off</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/index-funds/is-it-time-to-switch-to-currency-hedged-funds/\">Is it time to switch to currency-hedged funds?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','554-revision-v1','','','2016-03-16 10:17:54','2016-03-16 14:17:54','',554,'http://feedwordpress.radgeek.com/?rev=a9308b0ae933ec4106dccf67bedb1871',0,'revision','',0),(557,1,'2016-03-17 10:56:54','2016-03-17 14:56:54','<p>NEW YORK, United States of America – Prime Minister Justin Trudeau says next week’s federal budget will restore the age of eligibility for old age security to 65.</p>\n<p>Trudeau says the decision by the previous government to increase it to 67 was not the right approach and there needs to be more thought given to the system of supporting Canada’s seniors.</p>\n<p>The Liberals had pledged during the campaign to undo the Conservatives’ decision to raise the age of eligibility for OAS, which wasn’t going to take effect until 2023.</p>\n<p><a href=\"http://www.moneysense.ca/news/what-trudeau-means-for-your-budget/\">Will Trudeau make me pay more taxes? » </a></p>\n<p>The budget is to be tabled on March 22 and Trudeau says the Canadian economy doesn’t need to be jolted into life as it did after the 2008 recession.</p>\n<p>He says it is more important to lay the foundation for longer term growth.</p>\n<p>He made the comments during an interview with Bloomberg in New York where he is travelling this week meeting with political and business leaders.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/trudeau-budget-will-restore-oas-eligibility-to-65/\">Trudeau: Budget will restore OAS eligibility to 65</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Trudeau: Budget will restore OAS eligibility to 65','<p>The budget is to be tabled on March 22</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/trudeau-budget-will-restore-oas-eligibility-to-65/\">Trudeau: Budget will restore OAS eligibility to 65</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-17 10:56:54','2016-03-17 14:56:54','',0,'http://www.moneysense.ca/?p=150090',0,'post','',0),(558,1,'2016-03-17 10:56:54','2016-03-17 14:56:54','<p>NEW YORK, United States of America – Prime Minister Justin Trudeau says next week’s federal budget will restore the age of eligibility for old age security to 65.</p>\n<p>Trudeau says the decision by the previous government to increase it to 67 was not the right approach and there needs to be more thought given to the system of supporting Canada’s seniors.</p>\n<p>The Liberals had pledged during the campaign to undo the Conservatives’ decision to raise the age of eligibility for OAS, which wasn’t going to take effect until 2023.</p>\n<p><a href=\"http://www.moneysense.ca/news/what-trudeau-means-for-your-budget/\">Will Trudeau make me pay more taxes? » </a></p>\n<p>The budget is to be tabled on March 22 and Trudeau says the Canadian economy doesn’t need to be jolted into life as it did after the 2008 recession.</p>\n<p>He says it is more important to lay the foundation for longer term growth.</p>\n<p>He made the comments during an interview with Bloomberg in New York where he is travelling this week meeting with political and business leaders.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/trudeau-budget-will-restore-oas-eligibility-to-65/\">Trudeau: Budget will restore OAS eligibility to 65</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Trudeau: Budget will restore OAS eligibility to 65','<p>The budget is to be tabled on March 22</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/trudeau-budget-will-restore-oas-eligibility-to-65/\">Trudeau: Budget will restore OAS eligibility to 65</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','557-revision-v1','','','2016-03-17 10:56:54','2016-03-17 14:56:54','',557,'http://feedwordpress.radgeek.com/?rev=44831b84ec07b6036688fa1825c463b7',0,'revision','',0),(559,1,'2016-03-16 13:30:22','2016-03-16 17:30:22','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT11M20S\" />\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=\"myExperience4804114639001\" 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=\"4804114639001\" />\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/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\" />\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/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\">This $2.2M neighbourhood is Vancouver&#8217;s best</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','This $2.2M neighbourhood is Vancouver’s best','<p>Ambleside\'s high prices are still lower than the rest of town. Here\'s what else it offers</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\">This $2.2M neighbourhood is Vancouver&rsquo;s best</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','550-revision-v1','','','2016-03-16 13:30:22','2016-03-16 17:30:22','',550,'http://feedwordpress.radgeek.com/?rev=28ee9c224bcbdf619ad3f4f51c7a1d3d',0,'revision','',0),(560,1,'2016-03-17 12:20:22','2016-03-17 16:20:22','<p>OTTAWA – Buying a new car is an expensive proposition that for many Canadians means borrowing money.</p>\n<p>But financial experts caution shoppers not to be lured into spending more than they can afford through long-term auto loans that offer lower monthly payments, but ultimately cost more.</p>\n<p>Brigitte Goulard, deputy commissioner at the Financial Consumer Agency of Canada, says consumers need to consider more than the monthly payment.</p>\n<p>“One of the most common pitfalls we see are people just thinking about the type of car that they want,” she said.</p>\n<p>Goulard say by extending the term of a car loan to seven or eight years, it will drop the monthly payment, but borrowers will pay more in interest.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/auto/why-96-month-car-loans-should-worry-you/\">Why longer car loans should worry you » </a></p>\n<p>“You walk into a dealer and sometimes the first question they’ll ask you is how much can you afford monthly,” she said.</p>\n<p>“You need to think about monthly in terms of the car that you can afford. So if you think you can only afford a small compact, go for the small compact. Don’t go for the SUV just because you can afford the monthly payment over eight years.”</p>\n<p>Goulard says when considering how long it will take to pay off a car, people need to think about long they expect to keep it. If they think they are going to want a new car in four years, they should not be taking out a loan with a term longer than that, she says.</p>\n<p>The car people want when they are 25 might not be the car they need when they’re 30. An infant car seat may not easily fit into the back seat of that two-door sports car and that could cost you when you find yourself needing a more practical four-door sedan.</p>\n<p>While longer term loans will cost more in interest, what may be even more trouble is needing to buy another car before you have paid off the one you’re driving.</p>\n<p>The FCAC recently said that the country’s long-term auto finance market has nearly doubled in the last eight years as the average new car loan last year had a term longer than 72 months or six years, up from approximately 65 months in 2010.</p>\n<p>However, despite the longer loans, drivers are still changing their vehicles every four years, rolling the outstanding balance on the previous loan into the loan for the new vehicle.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/auto/why-96-month-car-loans-should-worry-you/\">Why longer car loans should worry you » </a></p>\n<p>“You end up paying for a car that you don’t own anymore for several years,” Goulard said.</p>\n<p>Credit counsellor Pamela George says she wouldn’t borrow money to buy a new car, but if people are going to, they need to do their homework before walking into a dealership.</p>\n<p>“Not just look at the monthly figure and say, ‘I can afford this.’ Ask yourself, ‘How will this impact my savings?&#8217;” says George, who works at the Credit Counselling Society in Ottawa.</p>\n<p>George said if people feel they must take a loan, try to make a large down payment.</p>\n<p>“If you can go in with a down payment and assume part of the risk, then I’m sure you now have negotiating power,” she said.</p>\n<p>To help car shoppers, the FCAC provides information and tips on its website.</p>\n<p>Goulard says be sure to shop around for financing when buying a new car.</p>\n<p>“You can go directly to a bank. You can go directly to a credit union. There’s various lenders in the market.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/debt/drivers-may-want-to-avoid-long-term-car-loans/\">Why a long-term car loan is a bad idea</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why a long-term car loan is a bad idea','<p>Despite low monthly payments, you may end up paying more</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/debt/drivers-may-want-to-avoid-long-term-car-loans/\">Why a long-term car loan is a bad idea</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-17 12:20:22','2016-03-17 16:20:22','',0,'http://www.moneysense.ca/?p=150106',0,'post','',0),(561,1,'2016-03-17 12:20:22','2016-03-17 16:20:22','<p>OTTAWA – Buying a new car is an expensive proposition that for many Canadians means borrowing money.</p>\n<p>But financial experts caution shoppers not to be lured into spending more than they can afford through long-term auto loans that offer lower monthly payments, but ultimately cost more.</p>\n<p>Brigitte Goulard, deputy commissioner at the Financial Consumer Agency of Canada, says consumers need to consider more than the monthly payment.</p>\n<p>“One of the most common pitfalls we see are people just thinking about the type of car that they want,” she said.</p>\n<p>Goulard say by extending the term of a car loan to seven or eight years, it will drop the monthly payment, but borrowers will pay more in interest.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/auto/why-96-month-car-loans-should-worry-you/\">Why longer car loans should worry you » </a></p>\n<p>“You walk into a dealer and sometimes the first question they’ll ask you is how much can you afford monthly,” she said.</p>\n<p>“You need to think about monthly in terms of the car that you can afford. So if you think you can only afford a small compact, go for the small compact. Don’t go for the SUV just because you can afford the monthly payment over eight years.”</p>\n<p>Goulard says when considering how long it will take to pay off a car, people need to think about long they expect to keep it. If they think they are going to want a new car in four years, they should not be taking out a loan with a term longer than that, she says.</p>\n<p>The car people want when they are 25 might not be the car they need when they’re 30. An infant car seat may not easily fit into the back seat of that two-door sports car and that could cost you when you find yourself needing a more practical four-door sedan.</p>\n<p>While longer term loans will cost more in interest, what may be even more trouble is needing to buy another car before you have paid off the one you’re driving.</p>\n<p>The FCAC recently said that the country’s long-term auto finance market has nearly doubled in the last eight years as the average new car loan last year had a term longer than 72 months or six years, up from approximately 65 months in 2010.</p>\n<p>However, despite the longer loans, drivers are still changing their vehicles every four years, rolling the outstanding balance on the previous loan into the loan for the new vehicle.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/auto/why-96-month-car-loans-should-worry-you/\">Why longer car loans should worry you » </a></p>\n<p>“You end up paying for a car that you don’t own anymore for several years,” Goulard said.</p>\n<p>Credit counsellor Pamela George says she wouldn’t borrow money to buy a new car, but if people are going to, they need to do their homework before walking into a dealership.</p>\n<p>“Not just look at the monthly figure and say, ‘I can afford this.’ Ask yourself, ‘How will this impact my savings?&#8217;” says George, who works at the Credit Counselling Society in Ottawa.</p>\n<p>George said if people feel they must take a loan, try to make a large down payment.</p>\n<p>“If you can go in with a down payment and assume part of the risk, then I’m sure you now have negotiating power,” she said.</p>\n<p>To help car shoppers, the FCAC provides information and tips on its website.</p>\n<p>Goulard says be sure to shop around for financing when buying a new car.</p>\n<p>“You can go directly to a bank. You can go directly to a credit union. There’s various lenders in the market.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/debt/drivers-may-want-to-avoid-long-term-car-loans/\">Why a long-term car loan is a bad idea</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why a long-term car loan is a bad idea','<p>Despite low monthly payments, you may end up paying more</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/debt/drivers-may-want-to-avoid-long-term-car-loans/\">Why a long-term car loan is a bad idea</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','560-revision-v1','','','2016-03-17 12:20:22','2016-03-17 16:20:22','',560,'http://feedwordpress.radgeek.com/?rev=ab8c3402b706057376d8b29b9e8698e0',0,'revision','',0),(562,1,'2016-03-17 10:56:54','2016-03-17 14:56:54','<p>NEW YORK, United States of America – Prime Minister Justin Trudeau says next week’s federal budget will restore the age of eligibility for old age security to 65.</p>\n<p>Trudeau says the decision by the previous government to increase it to 67 was not the right approach and there needs to be more thought given to the system of supporting Canada’s seniors.</p>\n<p>The Liberals had pledged during the campaign to undo the Conservatives’ decision to raise the age of eligibility for OAS, which wasn’t going to take effect until 2023.</p>\n<p><a href=\"http://www.moneysense.ca/news/what-trudeau-means-for-your-budget/\">Will Trudeau make me pay more taxes? » </a></p>\n<p>The budget is to be tabled on March 22 and Trudeau says the Canadian economy doesn’t need to be jolted into life as it did after the 2008 recession.</p>\n<p>He says it is more important to lay the foundation for longer term growth.</p>\n<p>He made the comments during an interview with Bloomberg in New York where he is travelling this week meeting with political and business leaders.</p>\n<p><a href=\"http://www.benefitscanada.com/pensions/governance-law/the-impact-of-returning-oas-to-age-65-78462\">So OAS eligibility is going back to 65. Here&#8217;s what it means for you » </a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/trudeau-budget-will-restore-oas-eligibility-to-65/\">Trudeau: Budget will restore OAS eligibility to 65</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Trudeau: Budget will restore OAS eligibility to 65','<p>The budget is to be tabled on March 22</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/trudeau-budget-will-restore-oas-eligibility-to-65/\">Trudeau: Budget will restore OAS eligibility to 65</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','557-revision-v1','','','2016-03-17 10:56:54','2016-03-17 14:56:54','',557,'http://feedwordpress.radgeek.com/?rev=96936d25980a3341c22ac76e5a4c70bb',0,'revision','',0),(563,1,'2016-03-16 14:43:16','2016-03-16 18:43:16','<div id=\"attachment_150038\" style=\"width: 657px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-150038\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-12.55.12-PM.png\" alt=\"(Century 21/Paul Indrigo)\" width=\"647\" height=\"433\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-12.55.12-PM-300x201.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-12.55.12-PM.png 647w\" sizes=\"(max-width: 647px) 100vw, 647px\" /><p class=\"wp-caption-text\">(Century 21 / Paul Indrigo)</p></div>\n<p>Would you pay $1 for a century-old, 25,000-square-foot mansion that needs a little TLC?</p>\n<p>That&#8217;s how much Toronto&#8217;s William Harris House is being <a href=\"http://www.suttonwestrealty.com/450-pape-ave-e3435967\" >listed for</a>, in a city where the average price for a semi-detached home is closer to $1 million.</p>\n<p>The $1 price tag sounds too good to be true and that&#8217;s because it is: The taxes on the abandoned building (a former home for single mothers that the Salvation Army purchased in the 1930s) adds up to an estimated $35,207 per year.</p>\n<p>Using the City of Toronto&#8217;s handy <a href=\"http://wx.toronto.ca/inter/fin/tax.nsf/tax?openform\" >property tax calculator</a>, the more than $35,000 bill would put the actual value of the mansion at around $5 million, <a href=\"http://www.ctvnews.ca/canada/derelict-toronto-mansion-listed-for-sale-at-1-1.2819032\" >according to CTV News</a>.</p>\n<p>Despite its dilapidated condition, this way exceeds the average price of <a href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2016-full-toronto-neighbourhood-rankings/\" >$808,000 for its Riverdale neighbourhood</a> (which came in at 406 out of 431 in our annual ranking of Toronto &#8216;hoods) where the property can be found.</p>\n<p>But as is <a href=\"http://www.theglobeandmail.com/life/home-and-garden/real-estate/this-toronto-bungalow-sold-for-421800-over-asking-yes-really/article4092559/\" >often the case</a> in Toronto&#8217;s booming real estate market, realtors expect the house will be sold for significantly over asking.</p>\n<p>“We’re just putting it out there and seeing what potential it has,&#8221; told real estate agent Matthew Pringle to <a href=\"http://www.metronews.ca/news/toronto/2016/03/14/why-this-toronto-heritage-home-is-selling-for-one-dollar.html\" >Metro Toronto</a>. &#8220;There’s no point putting a certain number on it because for some people it will be overpriced and for some it will be a steal.&#8221;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buy-this-toronto-mansion-for-just-1/\">Buy this Toronto mansion for just $1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Buy this Toronto mansion for just $1','<p>The 25K square-foot property is expected to be sold over asking</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buy-this-toronto-mansion-for-just-1/\">Buy this Toronto mansion for just $1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','548-revision-v1','','','2016-03-16 14:43:16','2016-03-16 18:43:16','',548,'http://feedwordpress.radgeek.com/?rev=374d7ed63144297721042a7a40428452',0,'revision','',0),(564,1,'2016-03-17 10:56:54','2016-03-17 14:56:54','<p>NEW YORK, United States of America – Next week’s federal budget will restore the eligibility for old-age security to 65 as promised, Prime Minister Justin Trudeau announced Thursday, committing to undo one of his predecessor’s policies.</p>\n<p>It was part of a wide-ranging discussion where he shared some of his intentions for the budget, specifically, and for longer-term economic policy before a New York audience.</p>\n<p>Trudeau noted the irony of the setting. It was also in a public forum abroad, hosted by a foreign news organization, where Stephen Harper announced the policy the Liberals are undoing — the plan to raise the retirement age two years to 67.</p>\n<p>“There’s a nice parallel here,” Trudeau told a moderator at Bloomberg.</p>\n<p>“We will confirm that we are keeping the old retirement age at 65 — not raising it to 67. Because how we care for our most vulnerable in society is really important.”</p>\n<p><a href=\"http://www.moneysense.ca/news/what-trudeau-means-for-your-budget/\">Will Trudeau make me pay more taxes? » </a></p>\n<p>The moderator pressed him on the soundness of his economics. He noted that numerous countries are raising the age, in order to protect the solvency of their pension systems amid the twin pressures of an aging population and longer lifespans.</p>\n<p>But Trudeau suggested the system could be designed with flexibility. He called Harper’s two-year extension a simplistic solution, amid numerous other policies that could entice people to work longer.</p>\n<p>“There needs to be a little bit of sophistication,” the prime minister replied.</p>\n<p>“Obviously for someone who’s worked as an investment banker or as a lawyer all their life, 65 is not necessarily an age where they need to retire…. Anyone who has worked with their hands as a labourer… and has been in a much more physical job, once you reach 65… there are real challenges…</p>\n<p>“A nuanced and responsible discussion around that is what we’re waiting for.”</p>\n<p>The Conservatives announced in 2012 that they would raise the eligibility age beginning in 2023, arguing the system was not sustainable. The Liberals pledged during the campaign to reverse that.</p>\n<p>Trudeau also downplayed expectations of an immediate gusher of stimulus spending. He said the Canadian economy doesn’t need to be jolted to life as it did with the 2008 crisis.</p>\n<p><a href=\"http://www.benefitscanada.com/pensions/governance-law/the-impact-of-returning-oas-to-age-65-78462\">So OAS eligibility is going back to 65. Here&#8217;s what it means for you » </a></p>\n<p>He said he is focused on a longer-term infrastructure spending program introduced over 10 years, with investments in projects that will lead to economic benefits for the country.</p>\n<p>But the program will start with more modest ambitions. Trudeau said the government will spend the first two years focusing on what he called “unsexy” things — maintenance, upgrades, recapitalization. He mentioned fixing subway signals as an example.</p>\n<p>“Things (where) you don’t get to cut a ribbon and announce a shiny new building,” he said.</p>\n<p>“(Things) that don’t get the flash but are desperately needed. That’s what we’re really focusing on in the coming couple of years, and then we get into the bigger, longer-term things once we’ve been able to plan them.”</p>\n<p>As for deficit-spending, he said he’d be responsible. However, he did credit his promise to run a deficit with helping him get elected. He shared a story about the day he made the big-spending pledge.</p>\n<p>The Liberals were in third place.</p>\n<p>But when he saw the NDP aligning itself with the zero-deficit policy of the Harper Tories, he said: “I got home to my wife (that night) and I said, ‘I’m pretty sure we just won the election.’</p>\n<p>“And of course the next morning (Sophie) opened up the newspaper and she said, ‘Well, it doesn’t say anything about that — that you just won the election.’ And I said, ‘It’s going to take a while for people to figure it out.&#8217;”</p>\n<p>Trudeau got a warm introduction to the Bloomberg interview.</p>\n<p>Former New York mayor and company founder Michael Bloomberg walked him into the building, after having written a glowing op-ed for the prime minister headlined: “Canada’s New Hope.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/trudeau-budget-will-restore-oas-eligibility-to-65/\">Trudeau: Budget will restore OAS eligibility to 65</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Trudeau: Budget will restore OAS eligibility to 65','<p>The budget is to be tabled on March 22</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/trudeau-budget-will-restore-oas-eligibility-to-65/\">Trudeau: Budget will restore OAS eligibility to 65</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','557-revision-v1','','','2016-03-17 10:56:54','2016-03-17 14:56:54','',557,'http://feedwordpress.radgeek.com/?rev=6c3e12ea6c77d74e9efe3473676e7d7f',0,'revision','',0),(565,1,'2016-03-17 15:50:46','2016-03-17 19:50:46','<div class=\"autoSection\">\n\n<img class=\"wp-image-77 size-full aligncenter\" src=\"http://www.presagemedia.com/l2o/wp-content/uploads/2016/01/200-CashBack.jpg\" alt=\"$200-CashBack\" width=\"800\" height=\"203\" />\n\n&nbsp;\n\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]1.[/mks_dropcap]\n<h3>Fill Out Your Basic Information</h3>\nFill out the form here and we will contact you to answer any of your questions, get your story, and finish the application process.\n\n</div>\n<div class=\"autoSection\">\n\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]2.[/mks_dropcap]\n<h3>Choose A Vehicle From Inventory</h3>\nThere is a large selection of vehicles to choose from.  We will help you choose the best car to suit your needs and fit your budget. Rest assured that none of the vehicles have been in an accident and all have under 100,000 kms.  We want you in a safe and reliable car.  It will be hard, but don\'t fall in love with your vehicle. <strong>GET $200 CASH-BACK + FOR LIMITED TIME A $50 GAS CARD.</strong>\n\n</div>\n<div class=\"autoSection\">\n\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]3.[/mks_dropcap]\n<h3>10-Months, Trade-In</h3>\nYou made your payments on time for 10-Months, time to Trade-In for a vehicle you will love and get a better interest rate too.  Of course, if you did fall in love with it, you can continue with your payments and trade-in at a later time.\n\n</div>','Auto Financing','','inherit','closed','closed','','26-autosave-v1','','','2016-03-17 15:50:46','2016-03-17 19:50:46','',26,'http://www.l2ocredit.com/2016/03/17/26-autosave-v1/',0,'revision','',0),(566,1,'2016-03-17 15:51:22','2016-03-17 19:51:22','<div class=\"autoSection\">\r\n\r\n<img class=\"wp-image-77 size-full aligncenter\" src=\"http://www.presagemedia.com/l2o/wp-content/uploads/2016/01/200-CashBack.jpg\" alt=\"$200-CashBack\" width=\"800\" height=\"203\" />\r\n\r\n&nbsp;\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]1.[/mks_dropcap]\r\n<h3>Fill Out Your Basic Information</h3>\r\nFill out the form here and we will contact you to answer any of your questions, get your story, and finish the application process.\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]2.[/mks_dropcap]\r\n<h3>Choose A Vehicle From Inventory</h3>\r\nThere is a large selection of vehicles to choose from.  We will help you choose the best car to suit your needs and fit your budget. Rest assured that none of the vehicles have been in an accident and all have under 100,000 kms.  We want you in a safe and reliable car.  It will be hard, but don\'t fall in love with your vehicle. <strong>GET $200 CASH-BACK + FOR LIMITED TIME A $50 GAS CARD.</strong>\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]3.[/mks_dropcap]\r\n<h3>10-Months, Trade-In</h3>\r\nYou made your payments on time for 10-Months, time to Trade-In for a vehicle you will love and get a better interest rate too.  Of course, if you did fall in love with it, you can continue with your payments and trade-in at a later time.\r\n\r\n</div>','Auto Financing','','inherit','closed','closed','','26-revision-v1','','','2016-03-17 15:51:22','2016-03-17 19:51:22','',26,'http://www.l2ocredit.com/2016/03/17/26-revision-v1/',0,'revision','',0),(567,1,'2016-03-17 15:20:49','2016-03-17 19:20:49','Registered Retirement Savings Plans (RRSPs) and Tax Free Savings Accounts (TFSAs) are the go-to products for Canadians who are serious about socking away some money for the future, whether it’s for retirement or for a big purchase, like a house. While the two products are similar in many ways, there are also a number of areas in which they are not. These differences may seem a little ‘duh’ for some, but laying out the obvious is a good start as you consider the more complicated question of <a href=\"http://www.moneysense.ca/save/investing/rrsp/rrsp-vs-tfsa-which-is-right-for-you/\">which one is right for you</a>—whether you’re just beginning to make the decision or if you’re rethinking your current strategy. Here are seven simple things that differentiate RRSPs from TFSAs.\r\n<h3>1. How old they are</h3>\r\nRRSPs have been around a lot longer than their tax-free cousin. The RRSP was introduced in 1957 by the Liberal government of Prime Minister Louis St. Laurent. Fifty-one years later in 2008, the Conservative government of Prime Minister Stephen Harper rolled out the Tax-Free Savings Account.\r\n<h3>2. Age restrictions</h3>\r\nThere is no minimum age for starting an RRSP, but you do need to have an income. The very last day you’re allowed to contribute to your RRSP is December 31 of your seventy-first year. Meanwhile, you can’t open a TFSA until you’re at least 18 years old and there’s no upper age limit for contributing to the tax-free savings vehicle.\r\n<h3>3. Contribution limits</h3>\r\nIf you are not a member of a registered pension plan (RRP) or deferred profit sharing plan (DPSP) through your employer, the RRSP contribution limit for 2016 is 18% of your 2015 income up to a maximum of $25,370. So if you earned $45,000 last year, your contribution limit this year will be $8,100. The TFSA contribution limit this year for all Canadians over 18 years of age is $5,500, regardless of income. Also, any unused TFSA contribution room rolls over each year. In fact, an adult who was 18 when the savings tool was introduced in 2009, would have accumulated $46,500 in contribution room, as of 2016.\r\n<h3>4. How your money gets taxed going in</h3>\r\nThis one’s a biggie. Contributions to RRSPs are made with <em>before-</em>tax money. In other words, you don’t pay income tax on RRSP contributions, which makes for a larger tax refund when you file your return. Alternately, TFSA contributions are made with <em>after-</em>tax money. This means you have already paid the income tax on any money put into your TFSA so it can’t help lower your tax burden like the RRSP.\r\n<h3>5. How your money gets taxed while inside</h3>\r\nPsych! No difference here. Both RRSPs and TFSAs allow money and investments to grow tax-free while inside the respective products.\r\n<h3>6. How your money gets taxed at withdrawal</h3>\r\nAnother biggie. As RRSP contributions are tax deductible, any withdrawals made from your RRSP are taxed in accordance with your income that year. Contributions to your TFSA have already been taxed, so any withdrawals you make are tax-free. This means that any growth you earned inside your RRSP is taxable but the growth earned inside your TFSA is, well, tax-free.\r\n<h3>7. What happens after you withdraw</h3>\r\nBoth RRSPs and TFSAs allow you to carry forward unused contribution room. However, if you choose to withdraw funds from your RRSP, the contribution room is lost and you don’t get to replenish it later. On the other hand, if you take money out of a TFSA, the amount withdrawn will be added back to the next year’s contribution room.\r\n\r\nBoth RRSPs and TFSAs are excellent products to help you grow your savings, and understanding their differences will help you <a href=\"http://www.moneysense.ca/save/retirement/moneysense-answers-should-i-use-an-rrsp-or-tfsa/\">choose which one is right for you</a>.\r\n\r\nThe post <a href=\"http://www.moneysense.ca/save/7-simple-differences-between-rrsps-and-tfsas/\" rel=\"nofollow\">7 simple differences between RRSPs and TFSAs</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','7 simple differences between RRSPs and TFSAs','<p>Contribution limits &amp; taxation&mdash;here are the basics </p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/7-simple-differences-between-rrsps-and-tfsas/\">7 simple differences between RRSPs and TFSAs</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','7-simple-differences-between-rrsps-and-tfsas','','','2016-03-17 17:19:24','2016-03-17 21:19:24','',0,'http://www.moneysense.ca/?p=147868',0,'post','',0),(568,1,'2016-03-17 15:20:49','2016-03-17 19:20:49','<p>Registered Retirement Savings Plans (RRSPs) and Tax Free Savings Accounts (TFSAs) are the go-to products for Canadians who are serious about socking away some money for the future, whether it&#8217;s for retirement or for a big purchase, like a house. While the two products are similar in many ways, there are also a number of areas in which they are not. These differences may seem a little &#8216;duh&#8217; for some, but laying out the obvious is a good start as you consider the more complicated question of <a href=\"http://www.moneysense.ca/save/investing/rrsp/rrsp-vs-tfsa-which-is-right-for-you/\" >which one is right for you</a>—whether you&#8217;re just beginning to make the decision or if you&#8217;re rethinking your current strategy. Here are seven simple things that differentiate RRSPs from TFSAs.</p>\n<h3>1. How old they are</h3>\n<p>RRSPs have been around a lot longer than their tax-free cousin. The RRSP was introduced in 1957 by the Liberal government of Prime Minister Louis St. Laurent. Fifty-one years later in 2008, the Conservative government of Prime Minister Stephen Harper rolled out the Tax-Free Savings Account.</p>\n<h3>2. Age restrictions</h3>\n<p>There is no minimum age for starting an RRSP, but you do need to have an income. The very last day you&#8217;re allowed to contribute to your RRSP is December 31 of your seventy-first year. Meanwhile, you can’t open a TFSA until you&#8217;re at least 18 years old and there&#8217;s no upper age limit for contributing to the tax-free savings vehicle.</p>\n<h3>3. Contribution limits</h3>\n<p>If you are not a member of a registered pension plan (RRP) or deferred profit sharing plan (DPSP) through your employer, the RRSP contribution limit for 2016 is 18% of your 2015 income up to a maximum of $25,370. So if you earned $45,000 last year, your contribution limit this year will be $8,100. The TFSA contribution limit this year for all Canadians over 18 years of age is $5,500, regardless of income. Also, any unused TFSA contribution room rolls over each year. In fact, an adult who was 18 when the savings tool was introduced in 2009, would have accumulated $46,500 in contribution room, as of 2016.</p>\n<h3>4. How your money gets taxed going in</h3>\n<p>This one’s a biggie. Contributions to RRSPs are made with <em>before-</em>tax money. In other words, you don’t pay income tax on RRSP contributions, which makes for a larger tax refund when you file your return. Alternately, TFSA contributions are made with <em>after-</em>tax money. This means you have already paid the income tax on any money put into your TFSA so it can’t help lower your tax burden like the RRSP.</p>\n<h3>5. How your money gets taxed while inside</h3>\n<p>Psych! No difference here. Both RRSPs and TFSAs allow money and investments to grow tax-free while inside the respective products.</p>\n<h3>6. How your money gets taxed at withdrawal</h3>\n<p>Another biggie. As RRSP contributions are tax deductible, any withdrawals made from your RRSP are taxed in accordance with your income that year. Contributions to your TFSA have already been taxed, so any withdrawals you make are tax-free. This means that any growth you earned inside your RRSP is taxable but the growth earned inside your TFSA is, well, tax-free.</p>\n<h3>7. What happens after you withdraw</h3>\n<p>Both RRSPs and TFSAs allow you to carry forward unused contribution room. However, if you choose to withdraw funds from your RRSP, the contribution room is lost and you don’t get to replenish it later. On the other hand, if you take money out of a TFSA, the amount withdrawn will be added back to the next year’s contribution room.</p>\n<p>Both RRSPs and TFSAs are excellent products to help you grow your savings, and understanding their differences will help you <a href=\"http://www.moneysense.ca/save/retirement/moneysense-answers-should-i-use-an-rrsp-or-tfsa/\" >choose which one is right for you</a>.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/7-simple-differences-between-rrsps-and-tfsas/\">7 simple differences between RRSPs and TFSAs</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','7 simple differences between RRSPs and TFSAs','<p>Contribution limits &amp; taxation&mdash;here are the basics </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/7-simple-differences-between-rrsps-and-tfsas/\">7 simple differences between RRSPs and TFSAs</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','567-revision-v1','','','2016-03-17 15:20:49','2016-03-17 19:20:49','',567,'http://feedwordpress.radgeek.com/?rev=2c76cc8efb164f47510b73f8dfa3d090',0,'revision','',0),(569,1,'2016-03-17 14:44:49','2016-03-17 18:44:49','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT10M43S\" />\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=\"myExperience4805676853001\" 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=\"4805676853001\" />\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/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\" />\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/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\">Calgary neighbourhoods on the upswing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Calgary neighbourhoods on the upswing','<p>These low-priced &amp; undervalued \'hoods are the city\'s best bets</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\">Calgary neighbourhoods on the upswing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-17 14:44:49','2016-03-17 18:44:49','',0,'http://www.moneysense.ca/?p=150136',0,'post','',0),(570,1,'2016-03-17 14:44:49','2016-03-17 18:44:49','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT10M43S\" />\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=\"myExperience4805676853001\" 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=\"4805676853001\" />\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/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\" />\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/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\">Calgary neighbourhoods on the upswing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Calgary neighbourhoods on the upswing','<p>These low-priced &amp; undervalued \'hoods are the city\'s best bets</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\">Calgary neighbourhoods on the upswing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','569-revision-v1','','','2016-03-17 14:44:49','2016-03-17 18:44:49','',569,'http://feedwordpress.radgeek.com/?rev=e14fc99e7b434cd11a4132485457c8b1',0,'revision','',0),(571,1,'2016-03-16 13:30:22','2016-03-16 17:30:22','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT11M20S\" />\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=\"myExperience4804114639001\" 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=\"4804114639001\" />\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/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\" />\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/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\">This $2.2M neighbourhood is Vancouver&#8217;s best</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','This $2.2M neighbourhood is Vancouver’s best','<p>Here\'s what top \'hood Ambleside has to offer buyers</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-why-this-2-2m-neighbourhood-is-the-best-in-vancouver/\">This $2.2M neighbourhood is Vancouver&rsquo;s best</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','550-revision-v1','','','2016-03-16 13:30:22','2016-03-16 17:30:22','',550,'http://feedwordpress.radgeek.com/?rev=c0d43f321c969cd4c4f0790714985055',0,'revision','',0),(572,1,'2016-03-17 17:02:47','2016-03-17 21:02:47','Registered Retirement Savings Plans (RRSPs) and Tax Free Savings Accounts (TFSAs) are the go-to products for Canadians who are serious about socking away some money for the future, whether it’s for retirement or for a big purchase, like a house. While the two products are similar in many ways, there are also a number of areas in which they are not. These differences may seem a little ‘duh’ for some, but laying out the obvious is a good start as you consider the more complicated question of <a href=\"http://www.moneysense.ca/save/investing/rrsp/rrsp-vs-tfsa-which-is-right-for-you/\">which one is right for you</a>—whether you’re just beginning to make the decision or if you’re rethinking your current strategy. Here are seven simple things that differentiate RRSPs from TFSAs.\r\n<h3>1. How old they are</h3>\r\nRRSPs have been around a lot longer than their tax-free cousin. The RRSP was introduced in 1957 by the Liberal government of Prime Minister Louis St. Laurent. Fifty-one years later in 2008, the Conservative government of Prime Minister Stephen Harper rolled out the Tax-Free Savings Account.\r\n<h3>2. Age restrictions</h3>\r\nThere is no minimum age for starting an RRSP, but you do need to have an income. The very last day you’re allowed to contribute to your RRSP is December 31 of your seventy-first year. Meanwhile, you can’t open a TFSA until you’re at least 18 years old and there’s no upper age limit for contributing to the tax-free savings vehicle.\r\n<h3>3. Contribution limits</h3>\r\nIf you are not a member of a registered pension plan (RRP) or deferred profit sharing plan (DPSP) through your employer, the RRSP contribution limit for 2016 is 18% of your 2015 income up to a maximum of $25,370. So if you earned $45,000 last year, your contribution limit this year will be $8,100. The TFSA contribution limit this year for all Canadians over 18 years of age is $5,500, regardless of income. Also, any unused TFSA contribution room rolls over each year. In fact, an adult who was 18 when the savings tool was introduced in 2009, would have accumulated $46,500 in contribution room, as of 2016.\r\n<h3>4. How your money gets taxed going in</h3>\r\nThis one’s a biggie. Contributions to RRSPs are made with <em>before-</em>tax money. In other words, you don’t pay income tax on RRSP contributions, which makes for a larger tax refund when you file your return. Alternately, TFSA contributions are made with <em>after-</em>tax money. This means you have already paid the income tax on any money put into your TFSA so it can’t help lower your tax burden like the RRSP.\r\n<h3>5. How your money gets taxed while inside</h3>\r\nPsych! No difference here. Both RRSPs and TFSAs allow money and investments to grow tax-free while inside the respective products.\r\n<h3>6. How your money gets taxed at withdrawal</h3>\r\nAnother biggie. As RRSP contributions are tax deductible, any withdrawals made from your RRSP are taxed in accordance with your income that year. Contributions to your TFSA have already been taxed, so any withdrawals you make are tax-free. This means that any growth you earned inside your RRSP is taxable but the growth earned inside your TFSA is, well, tax-free.\r\n<h3>7. What happens after you withdraw</h3>\r\nBoth RRSPs and TFSAs allow you to carry forward unused contribution room. However, if you choose to withdraw funds from your RRSP, the contribution room is lost and you don’t get to replenish it later. On the other hand, if you take money out of a TFSA, the amount withdrawn will be added back to the next year’s contribution room.\r\n\r\nBoth RRSPs and TFSAs are excellent products to help you grow your savings, and understanding their differences will help you <a href=\"http://www.moneysense.ca/save/retirement/moneysense-answers-should-i-use-an-rrsp-or-tfsa/\">choose which one is right for you</a>.\r\n\r\nThe post <a href=\"http://www.moneysense.ca/save/7-simple-differences-between-rrsps-and-tfsas/\" rel=\"nofollow\">7 simple differences between RRSPs and TFSAs</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','7 simple differences between RRSPs and TFSAs','<p>Contribution limits &amp; taxation&mdash;here are the basics </p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/7-simple-differences-between-rrsps-and-tfsas/\">7 simple differences between RRSPs and TFSAs</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','567-revision-v1','','','2016-03-17 17:02:47','2016-03-17 21:02:47','',567,'http://www.l2ocredit.com/2016/03/17/567-revision-v1/',0,'revision','',0),(573,1,'2016-03-17 17:04:11','2016-03-17 21:04:11','<p style=\"text-align: center;\"><img class=\"alignnone size-full wp-image-389\" src=\"http://www.moneydebate.com/wp-content/uploads/use-credit-cards-wisely.jpg\" alt=\"use-credit-cards-wisely\" width=\"600\" height=\"350\" /></p>\r\nCredit cards are one of the most common modes of payment in many countries. This is understandable, as credit cards allow you to purchase more at a given time while carrying less. You only get to carry one slim plastic card with you and you can surely do a lot as well as purchase a lot.\r\n\r\nIt also helps in keeping an organized track of all the spending you make through monthly credit card statements. Aside from that, when you use credit cards to pay for your purchases, you can easily note or discuss charges about the items you bought, which were not delivered or defective.\r\n\r\nHowever, even if these benefits are truly good, it cannot be denied that credit cards also help in easily overspending especially if there are holidays or special occasions. That said, there are ways on how you can wisely manage your credit cards so you can make the most out of every usage while steering away from what seems to be infinite debt.\r\n<h3>Practice the habit of paying credit card bills as soon as possible</h3>\r\nCredit card companies always provide monthly statements so you will be able to see how much your total balance is. It would be better to practice the habit of paying your monthly credit card bill as soon as you receive your statement. You will be able to lower your balance soon if you pay off dues on time and on a regular basis since interest will not pile up too much. In addition, keep in mind that paying bills later than their due dates accrue late fees and may make your interest rate higher.\r\n<h3>Practice paying more than the set minimum balance</h3>\r\nWhen your monthly credit card statements arrive, a minimum balance is always set. You can pay this minimum balance or if you can pay for a little bit more so you may be able to zero out your total credit card balance faster. Now, if you notice that your minimum balance has decreased since you are paying more than what is due, try to stick to the previous amount you are paying. This will help you get your credit card balance clean in no time.\r\n<h3>Focus on using one rewards card only</h3>\r\nA credit card usually comes with a rewards card that may be used to store some points from the shopping you made. If you were using many credit cards, it would be wise to focus on using one rewards card only. This will ensure that you will be accumulating points on one card, which you can use to claim a reward earlier instead of having these points all scattered out.\r\n\r\nCredit cards can truly help in more ways than one. In turn, you must also do your share in using them wisely so you may enjoy their benefits better. In doing smart credit card management, you are also doing yourself a huge favor since you will not be engulfed by huge debts, which may ruin your personal finance.','3 Ways To Use Your Credit Card Wisely','Credit cards are one of the most common modes of payment in many countries. This is understandable, as credit cards allow you to purchase more at a given time while carrying less. You only get to carry one slim plastic card with you and you can surely do a lot as well as purchase a [&amp;hellip','inherit','closed','closed','','165-revision-v1','','','2016-03-17 17:04:11','2016-03-17 21:04:11','',165,'http://www.l2ocredit.com/2016/03/17/165-revision-v1/',0,'revision','',0),(574,1,'2016-03-17 17:18:57','2016-03-17 21:18:57','','TFSAvsRRSP','','inherit','open','closed','','tfsavsrrsp','','','2016-03-17 17:18:57','2016-03-17 21:18:57','',567,'http://www.l2ocredit.com/wp-content/uploads/2016/03/TFSAvsRRSP.jpg',0,'attachment','image/jpeg',0),(575,1,'2016-03-17 17:33:48','2016-03-17 21:33:48','','Green-Car-Ontario-Incentives','','inherit','open','closed','','green-car-ontario-incentives','','','2016-03-17 17:33:48','2016-03-17 21:33:48','',343,'http://www.l2ocredit.com/wp-content/uploads/2016/02/Green-Car-Ontario-Incentives.jpg',0,'attachment','image/jpeg',0),(576,1,'2016-03-17 17:34:36','2016-03-17 21:34:36','&nbsp;\r\n<div style=\"display: none;\"></div>\r\n<script src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\" type=\"text/javascript\"></script>\r\n<script src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\" type=\"text/javascript\"></script>\r\n\r\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\" width=\"300\" height=\"150\">    <param name=\"bgcolor\" value=\"#FFFFFF\" />    <param name=\"width\" value=\"640\" />    <param name=\"height\" value=\"360\" />    <param name=\"playerID\" value=\"2659807263001\" />    <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />    <param name=\"isVid\" value=\"true\" />    <param name=\"isUI\" value=\"true\" />    <param name=\"dynamicStreaming\" value=\"true\" />    <param name=\"includeAPI\" value=\"true\" />    <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />    <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />    <param name=\"@videoPlayer\" value=\"2025448020001\" />        <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\" />        <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" />    <param name=\"autoStart\" value=\"false\" />    <param name=\"wmode\" value=\"transparent\" /></object>\r\n\r\n<script type=\"text/javascript\">// <![CDATA[\r\nbrightcove.createExperiences();\r\n// ]]></script>\r\n\r\nTORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.\r\n\r\nCurrent incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a>\r\n\r\nDrivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.\r\n\r\nBut for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.\r\n\r\nThis announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.\r\n\r\nThere are currently about 5,800 electric vehicles in Ontario.\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" rel=\"nofollow\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','343-revision-v1','','','2016-03-17 17:34:36','2016-03-17 21:34:36','',343,'http://www.l2ocredit.com/2016/03/17/343-revision-v1/',0,'revision','',0),(577,1,'2016-03-17 17:43:14','2016-03-17 21:43:14','','RRSP-to-buy-house','','inherit','open','closed','','rrsp-to-buy-house','','','2016-03-17 17:43:14','2016-03-17 21:43:14','',295,'http://www.l2ocredit.com/wp-content/uploads/2016/02/RRSP-to-buy-house.jpg',0,'attachment','image/jpeg',0),(578,1,'2016-03-17 17:06:37','2016-03-17 21:06:37','<p>OTTAWA – Consumers frustrated by their cable or satellite bills, or upset by the new, so-called skinny basic TV, will soon have a new place to take their complaints.</p>\n<p>The mandate of the country’s telecom watchdog is being expanded to include television services, the Canadian Radio-television and Telecommunications Commission announced Thursday.</p>\n<p>The decision comes as the broadcast regulator fields hundreds of calls about the slimmed-down basic TV packages that came into effect March 1.</p>\n<p>As of Thursday, the CRTC had received 587 calls from consumers about the new $25 basic TV packages, said commission spokeswoman Patricia Valladao.</p>\n<p>“But keep in mind, that may not only be complaints, but questions etc,” she said in an email.</p>\n<p>Come September 2017, the Commissioner for Complaints for Telecommunications (CCTS) will handle TV service complaints as well as dealing with unresolved problems consumers have with their cell phone, land line and Internet providers.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/skinny-basic-cable-packages-are-here/\">Skinny basic cable packages are here » </a></p>\n<p>And if the recent past is any indication, it will field thousands of gripes from people unable to resolve issues with those providers.</p>\n<p>The complaints commissioner has dealt with roughly 10,000 complaints a year over telecom service since the body was created in 2007.</p>\n<p>At the same time, it had to turn away thousands of people who complained about TV service providers, because cable and satellite services were not in its mandate.</p>\n<p>With bundling of different communication and entertainment services becoming more popular, it only makes sense that consumers have a single place to bring their problems, said the CRTC.</p>\n<p>“If a Canadian cannot resolve a complaint with a communications service provider — regardless if it is a television service provider, Internet service provider, wireless service provider or telephone service provider — the CCTS will become the single point of contact for obtaining a resolution,” the regulator said in a statement.</p>\n<p>Consumers must first contact their communication service provider to try to resolve any disputes before going to the watchdog.</p>\n<p>If it’s determined that a service provider has wronged a consumer, the CCTS can require the company to apologize for its mistake or at the very least offer an explanation.</p>\n<p>It can also force service providers to compensate complainants, to a maximum of $5,000 per complaint, for certain losses, on top of reimbursements for any billing errors.</p>\n<p><a href=\"http://www.moneysense.ca/news/more-canadians-scrapping-traditional-cable-subscriptions/\">More Canadians scrapping traditional cable » </a></p>\n<p>Advocacy group OpenMedia welcomed the announcement, calling the recent roll-out of new TV service requirements a stark reminder of why consumers need a strong complaints mechanism.</p>\n<p>“Canadians have long suffered mistreatment at the hands of Big Telecom, and these common-sense steps should help level the playing field,” said OpenMedia communications manager David Christopher.</p>\n<p>The CRTC decision also requires the CCTS to improve the transparency of its operations and to put more effort into promoting awareness among consumers about its existence, a move commended by consumer advocates.</p>\n<p>“The more Canadians are aware of the CCTS, the more effective the CCTS will be in fulfilling its mandate to resolve consumer complaints with communication service providers,” said Jonathan Bishop, a research analyst for the Public Interest Advocacy Centre.</p>\n<p>Telecom service providers, who pay the CCTS fees based on the revenues they earn and for each complaint handled, have been reticent to make their customers aware of when and how to contact the independent body, often obscuring the information on their websites, say consumer advocates.</p>\n<p>The complaints commissioner in its latest annual report said it had planned to survey Canadians about how much they know about the CCTS and whether the television service providers were doing enough to promote it, either through their websites or by direct customer contact.</p>\n<p>Rather than simply urge the CCTS to release the survey results quickly, the regulator has ordered it to do so — a move that came as a pleasant surprise to Howard Deane of the Consumer Council of Canada, who has been pushing the watchdog on the issue.</p>\n<p>“There’s a larger focus on this than I expected,” said Deane.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/tv-customers-have-a-new-place-to-take-complaints/\">TV customers have a new place to take complaints</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','TV customers have a new place to take complaints','<p>The CRTC has received at least 587 calls about \'skinny basic\' TV</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/tv-customers-have-a-new-place-to-take-complaints/\">TV customers have a new place to take complaints</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-17 17:06:37','2016-03-17 21:06:37','',0,'http://www.moneysense.ca/?p=150188',0,'post','',0),(579,1,'2016-03-17 17:06:37','2016-03-17 21:06:37','<p>OTTAWA – Consumers frustrated by their cable or satellite bills, or upset by the new, so-called skinny basic TV, will soon have a new place to take their complaints.</p>\n<p>The mandate of the country’s telecom watchdog is being expanded to include television services, the Canadian Radio-television and Telecommunications Commission announced Thursday.</p>\n<p>The decision comes as the broadcast regulator fields hundreds of calls about the slimmed-down basic TV packages that came into effect March 1.</p>\n<p>As of Thursday, the CRTC had received 587 calls from consumers about the new $25 basic TV packages, said commission spokeswoman Patricia Valladao.</p>\n<p>“But keep in mind, that may not only be complaints, but questions etc,” she said in an email.</p>\n<p>Come September 2017, the Commissioner for Complaints for Telecommunications (CCTS) will handle TV service complaints as well as dealing with unresolved problems consumers have with their cell phone, land line and Internet providers.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/skinny-basic-cable-packages-are-here/\">Skinny basic cable packages are here » </a></p>\n<p>And if the recent past is any indication, it will field thousands of gripes from people unable to resolve issues with those providers.</p>\n<p>The complaints commissioner has dealt with roughly 10,000 complaints a year over telecom service since the body was created in 2007.</p>\n<p>At the same time, it had to turn away thousands of people who complained about TV service providers, because cable and satellite services were not in its mandate.</p>\n<p>With bundling of different communication and entertainment services becoming more popular, it only makes sense that consumers have a single place to bring their problems, said the CRTC.</p>\n<p>“If a Canadian cannot resolve a complaint with a communications service provider — regardless if it is a television service provider, Internet service provider, wireless service provider or telephone service provider — the CCTS will become the single point of contact for obtaining a resolution,” the regulator said in a statement.</p>\n<p>Consumers must first contact their communication service provider to try to resolve any disputes before going to the watchdog.</p>\n<p>If it’s determined that a service provider has wronged a consumer, the CCTS can require the company to apologize for its mistake or at the very least offer an explanation.</p>\n<p>It can also force service providers to compensate complainants, to a maximum of $5,000 per complaint, for certain losses, on top of reimbursements for any billing errors.</p>\n<p><a href=\"http://www.moneysense.ca/news/more-canadians-scrapping-traditional-cable-subscriptions/\">More Canadians scrapping traditional cable » </a></p>\n<p>Advocacy group OpenMedia welcomed the announcement, calling the recent roll-out of new TV service requirements a stark reminder of why consumers need a strong complaints mechanism.</p>\n<p>“Canadians have long suffered mistreatment at the hands of Big Telecom, and these common-sense steps should help level the playing field,” said OpenMedia communications manager David Christopher.</p>\n<p>The CRTC decision also requires the CCTS to improve the transparency of its operations and to put more effort into promoting awareness among consumers about its existence, a move commended by consumer advocates.</p>\n<p>“The more Canadians are aware of the CCTS, the more effective the CCTS will be in fulfilling its mandate to resolve consumer complaints with communication service providers,” said Jonathan Bishop, a research analyst for the Public Interest Advocacy Centre.</p>\n<p>Telecom service providers, who pay the CCTS fees based on the revenues they earn and for each complaint handled, have been reticent to make their customers aware of when and how to contact the independent body, often obscuring the information on their websites, say consumer advocates.</p>\n<p>The complaints commissioner in its latest annual report said it had planned to survey Canadians about how much they know about the CCTS and whether the television service providers were doing enough to promote it, either through their websites or by direct customer contact.</p>\n<p>Rather than simply urge the CCTS to release the survey results quickly, the regulator has ordered it to do so — a move that came as a pleasant surprise to Howard Deane of the Consumer Council of Canada, who has been pushing the watchdog on the issue.</p>\n<p>“There’s a larger focus on this than I expected,” said Deane.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/tv-customers-have-a-new-place-to-take-complaints/\">TV customers have a new place to take complaints</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','TV customers have a new place to take complaints','<p>The CRTC has received at least 587 calls about \'skinny basic\' TV</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/tv-customers-have-a-new-place-to-take-complaints/\">TV customers have a new place to take complaints</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','578-revision-v1','','','2016-03-17 17:06:37','2016-03-17 21:06:37','',578,'http://feedwordpress.radgeek.com/?rev=43c0b85818a51548d29ea36d4b88c8fc',0,'revision','',0),(580,1,'2016-03-17 17:06:37','2016-03-17 21:06:37','<p>OTTAWA – Consumers frustrated by their cable or satellite bills, or upset by the new, so-called skinny basic TV, will soon have a new place to take their complaints.</p>\n<p>The mandate of the country’s telecom watchdog is being expanded to include television services, the Canadian Radio-television and Telecommunications Commission announced Thursday.</p>\n<p>The decision comes as the broadcast regulator fields hundreds of calls about the slimmed-down basic TV packages that came into effect March 1.</p>\n<p>As of Thursday, the CRTC had received 587 calls from consumers about the new $25 basic TV packages, said commission spokeswoman Patricia Valladao.</p>\n<p>“But keep in mind, that may not only be complaints, but questions etc,” she said in an email.</p>\n<p>Come September 2017, the Commissioner for Complaints for Telecommunications (CCTS) will handle TV service complaints as well as dealing with unresolved problems consumers have with their cell phone, land line and Internet providers.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/skinny-basic-cable-packages-are-here/\">Skinny basic cable packages are here » </a></p>\n<p>And if the recent past is any indication, it will field thousands of gripes from people unable to resolve issues with those providers.</p>\n<p>The complaints commissioner has dealt with roughly 10,000 complaints a year over telecom service since the body was created in 2007.</p>\n<p>At the same time, it had to turn away thousands of people who complained about TV service providers, because cable and satellite services were not in its mandate.</p>\n<p>With bundling of different communication and entertainment services becoming more popular, it only makes sense that consumers have a single place to bring their problems, said the CRTC.</p>\n<p>“If a Canadian cannot resolve a complaint with a communications service provider — regardless if it is a television service provider, Internet service provider, wireless service provider or telephone service provider — the CCTS will become the single point of contact for obtaining a resolution,” the regulator said in a statement.</p>\n<p>Consumers must first contact their communication service provider to try to resolve any disputes before going to the watchdog.</p>\n<p>If it’s determined that a service provider has wronged a consumer, the CCTS can require the company to apologize for its mistake or at the very least offer an explanation.</p>\n<p>It can also force service providers to compensate complainants, to a maximum of $5,000 per complaint, for certain losses, on top of reimbursements for any billing errors.</p>\n<p><a href=\"http://www.moneysense.ca/news/more-canadians-scrapping-traditional-cable-subscriptions/\">More Canadians scrapping traditional cable » </a></p>\n<p>Advocacy group OpenMedia welcomed the announcement, calling the recent roll-out of new TV service requirements a stark reminder of why consumers need a strong complaints mechanism.</p>\n<p>“Canadians have long suffered mistreatment at the hands of Big Telecom, and these common-sense steps should help level the playing field,” said OpenMedia communications manager David Christopher.</p>\n<p>The CRTC decision also requires the CCTS to improve the transparency of its operations and to put more effort into promoting awareness among consumers about its existence, a move commended by consumer advocates.</p>\n<p>“The more Canadians are aware of the CCTS, the more effective the CCTS will be in fulfilling its mandate to resolve consumer complaints with communication service providers,” said Jonathan Bishop, a research analyst for the Public Interest Advocacy Centre.</p>\n<p>Telecom service providers, who pay the CCTS fees based on the revenues they earn and for each complaint handled, have been reticent to make their customers aware of when and how to contact the independent body, often obscuring the information on their websites, say consumer advocates.</p>\n<p>The complaints commissioner in its latest annual report said it had planned to survey Canadians about how much they know about the CCTS and whether the television service providers were doing enough to promote it, either through their websites or by direct customer contact.</p>\n<p>Rather than simply urge the CCTS to release the survey results quickly, the regulator has ordered it to do so — a move that came as a pleasant surprise to Howard Deane of the Consumer Council of Canada, who has been pushing the watchdog on the issue.</p>\n<p>“There’s a larger focus on this than I expected,” said Deane.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/tv-customers-have-a-new-place-to-take-complaints/\">TV customers have a new place to take complaints</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','TV customers have a new place to take complaints','<p>The CRTC has received at least 587 calls about \'skinny basic\' TV</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/tv-customers-have-a-new-place-to-take-complaints/\">TV customers have a new place to take complaints</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','578-revision-v1','','','2016-03-17 17:06:37','2016-03-17 21:06:37','',578,'http://feedwordpress.radgeek.com/?rev=43c0b85818a51548d29ea36d4b88c8fc',0,'revision','',0),(581,1,'2016-03-17 18:06:26','2016-03-17 22:06:26','','VarageSale','','inherit','open','closed','','varagesale','','','2016-03-17 18:06:26','2016-03-17 22:06:26','',289,'http://www.l2ocredit.com/wp-content/uploads/2016/02/VarageSale.jpg',0,'attachment','image/jpeg',0),(582,1,'2016-03-17 18:14:55','2016-03-17 22:14:55','','Estate-Jewelry-Finance','','inherit','open','closed','','estate-jewelry-finance','','','2016-03-17 18:14:55','2016-03-17 22:14:55','',291,'http://www.l2ocredit.com/wp-content/uploads/2016/02/Estate-Jewelry-Finance.jpg',0,'attachment','image/jpeg',0),(583,1,'2016-03-17 18:15:25','2016-03-17 22:15:25','<img class=\"size-medium wp-image-582 aligncenter\" src=\"http://www.l2ocredit.com/wp-content/uploads/2016/02/Estate-Jewelry-Finance-300x175.jpg\" alt=\"Estate-Jewelry-Finance\" width=\"300\" height=\"175\" />\r\n\r\nOTTAWA – Anne Wallner carefully removes a platinum-and-diamond clip made by Cartier from a cabinet in her jewellery store.\r\n\r\nOften worn in pairs, she only has one of the handmade, mid-century pieces for sale.\r\n\r\nWith more than seven carats of diamonds, including a 1.25-carat centre stone, the price tag is $28,000.\r\n\r\n“A comparable piece new would be more in the neighbourhood of $50,000,” says Wallner, the owner of Alyea’s Jewellers in Ottawa.\r\n\r\nThat’s the appeal of shopping for estate jewellery.\r\n\r\n“Estate jewellery is generally priced 40, 50, even 60 per cent lower than a comparable new piece,” she says.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/style/rework-old-jewellery-to-make-stylish-pieces-for-less/\">Rework old jewellery to make stylish pieces for less » </a>\r\n\r\nBut it can offer more for those seeking a distinctive bauble as Valentine’s Day approaches.\r\n\r\nCollectors looking for authentic period pieces hunt estate sales, and those looking to minimize their environmental footprint may also want to take a look.\r\n\r\n“Certainly today the fact that this is, in a sense recycled goods, so has very low environmental impact, is very appealing, particularly to younger people,” Wallner says.\r\n\r\nEstate jewellery is jewellery that has been owned by someone else previously.\r\n\r\nIt may be just a few years old or could be an antique piece that’s more than 100 years old with a fascinating provenance.\r\n\r\nWhen examining a piece of estate jewellery, it’s important to consider the quality of the materials including the metals, the gemstones and workmanship. You should be sure that the clasps work, the gems aren’t wiggling and that the claws holding them in position are in good condition.\r\n\r\n“Those claws that are holding the stones in place will actually wear down and then stones can become loose, so you want to make sure that the stones aren’t loose,” says Lee Rock, a gemologist, certified diamond grader and registered master valuer.\r\n\r\nRock, who also teaches diamond grading and jewellery appraisal at George Brown College in Toronto, says if it’s an antique piece, potential buyers need to know the circa date, when it was produced and find out if it comes with its original box.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/sweetheart-deals-for-valentines-day/\">Sweetheart deals » </a>\r\n\r\n“The value almost doubles on antique jewellery if it comes with the original box,” she says.\r\n\r\nHallmarks stamped on a piece will show the type of gold or silver used, while a trademark will show the manufacturer, but not every piece will have them. Diamonds may be laser-inscribed with a traceable identification number.\r\n\r\nRock says jewellery made in Canada could include both a hallmark and a trademark, or neither.\r\n\r\n“Both are legal,” she said, noting that small independent jewellers may not have a registered trademark.\r\n\r\nDonna Hawrelko, president of the Canadian Gemmological Association and a gemology instructor at Vancouver Community College, advises people to ask the shop if you can have the piece appraised independently.\r\n\r\n“If it does not appraise out at what the store is selling it for or more, then you want the option to bring it back,” she said.\r\n\r\nIf the store doesn’t agree to allow you to have the item appraised before you buy it or to return the piece after purchasing it, Hawrelko says to consider bringing an appraiser to the store with you if it’s something you still want to buy “especially if you’re spending thousands of dollars on a piece,” Hawrelko said.\r\n\r\n“It is worth your while to spend maybe $100 or $150 to have an appraiser come in and make sure it is what it says,” she said.\r\n\r\nShopping for estate jewellery means that choices might be limited by more than just the amount of money potential buyers want to spend.\r\n\r\nFinding the right piece that fits your taste — or that of your Valentine — might be more difficult. But with a little luck and patience, it’s possible to find a beautiful piece with the added bonus of a history.\r\n\r\nHawrelko owns a combination of estate and contemporary pieces of jewellery, but she says she prefers the estate items.\r\n\r\n“I’m personally an art deco fan, so I like the designs of the period,” she said. “That kind of jewellery appeals to me, so I love when I see those kinds of pieces.”\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/style/shopping-for-valentines-day-try-estate-jewellery/\" rel=\"nofollow\">Shopping for Valentine’s Day? Try estate jewellery</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Shopping for Valentine’s Day? Try estate jewellery','<p>It\'s priced 60% lower than comparable pieces </p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/style/shopping-for-valentines-day-try-estate-jewellery/\">Shopping for Valentine&rsquo;s Day? Try estate jewellery</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','291-revision-v1','','','2016-03-17 18:15:25','2016-03-17 22:15:25','',291,'http://www.l2ocredit.com/2016/03/17/291-revision-v1/',0,'revision','',0),(584,1,'2016-03-17 18:20:47','2016-03-17 22:20:47','','Used-Car-Make-More-Money','','inherit','open','closed','','used-car-make-more-money','','','2016-03-17 18:20:47','2016-03-17 22:20:47','',293,'http://www.l2ocredit.com/wp-content/uploads/2016/02/Used-Car-Make-More-Money.jpg',0,'attachment','image/jpeg',0),(585,1,'2016-03-17 18:22:31','2016-03-17 22:22:31','<img class=\"alignnone size-medium wp-image-584 aligncenter\" src=\"http://www.l2ocredit.com/wp-content/uploads/2016/02/Used-Car-Make-More-Money-300x175.jpg\" alt=\"Used-Car-Make-More-Money\" width=\"300\" height=\"175\" />\r\n\r\n“How can I get more money for my used vehicle?”\r\n\r\n—M.E.\r\n\r\nSelling your vehicle privately will almost always result in more money, especially if it’s a popular model that sells easily. A good rule when trying to obtain more for a used vehicle from a dealer is to stay with the same make. A franchised dealer with in-house parts and robust marketing support from the manufacturer for their brand will almost certainly offer more than a dealer selling a competing brand. If you are planning to buy a different make or not trading against another vehicle, you should go directly to the used car department of the dealership for an appraisal. That’s because the policy in some vehicle showrooms is to refuse to appraise your used car unless you commit to purchasing a new vehicle from the same dealership.\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\" rel=\"nofollow\">Make more money when selling a used car</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Make more money when selling a used car','<p>The first tip? Sell privately</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\">Make more money when selling a used car</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','293-revision-v1','','','2016-03-17 18:22:31','2016-03-17 22:22:31','',293,'http://www.l2ocredit.com/2016/03/17/293-revision-v1/',0,'revision','',0),(586,1,'2016-03-17 18:30:54','2016-03-17 22:30:54','','Charities-That-Pay-You-Back','','inherit','open','closed','','charities-that-pay-you-back-2','','','2016-03-17 18:30:54','2016-03-17 22:30:54','',345,'http://www.l2ocredit.com/wp-content/uploads/2016/02/Charities-That-Pay-You-Back.jpg',0,'attachment','image/jpeg',0),(587,1,'2016-03-17 18:53:19','2016-03-17 22:53:19','','Cost-of-love','','inherit','open','closed','','cost-of-love','','','2016-03-17 18:53:19','2016-03-17 22:53:19','',351,'http://www.l2ocredit.com/wp-content/uploads/2016/02/Cost-of-love.jpg',0,'attachment','image/jpeg',0),(588,1,'2016-03-17 18:54:12','2016-03-17 22:54:12','Turns out, love does have a price—and it’s $61,821.60, according to the fourth annual Cost of Love study from <a href=\"https://www.ratesupermarket.ca/\">RateSupermarket.ca</a>.\n\nWhy $61,821.60? To come up with this rather precise number, the mortgage rate comparison site tallied up all the financial outlays associated with a one-year courtship period, one-year engagement and the average Canadian wedding. Baked into their calculations are various assumptions: Among other things, a prosperous and successful romance<em> must</em> include one beach vacation (with an average cost of $3,523), two weekend getaways (with an average cost of $625.75 ) and exactly 12 fancy dates (with an average cost of $277.54).\n\nWant an easy way to shave $9,092.21 to $10,889.42 off of this formidable expense? Skip your fancy plans for Valentine’s Day and invest that money in a tax-sheltered savings vehicle like a TFSA or RESP.\n\nKeep on reading, we’ll show you how it all works.\n<h3>Putting a price on romance</h3>\nRateSupermarket defines a “fancy” $277.54 date as the cost of a nice dinner and a pair of theatre tickets. Forgoing such a cost this Valentine’s Day (and for the next dozen years or more) would save you a hefty chunk of change. Now, if you were to invest that money in accounts that allow you to take advantage of tax-free, compound interest growth, well you’d really start building a lovely nest egg.\n<h3>Tax-free savings solutions</h3>\nFor instance, let’s say you’re expectant parents. Putting that $277.54 Valentine’s Day expense into a Registered Education Savings Plan (RESP) every year until your child turns 18 would give you a total balance of $10,889.42. Over that time period, your personal RESP contributions would add up to about $4,986, the Canada Education Savings Grant (CESG) the government chips in would account for $997.20, and your projected earnings (assuming a 6% rate of return) would be $4,906.22. (This scenario assumes net household income is $89,401 or more.)\n\nNot bad for skipping an overhyped evening associated with poor restaurant service thanks to subpar prix-fixe menus and increased head counts, right?\n\nBut what if you don’t have kids and have no use for an RESP? A Tax-Free Savings Account (TFSA) is another great tool that can make your investments work harder for you. Using the same savings timeline as the previous scenario (18 years), $277.54 invested annually into a TFSA would earn you $9,092.21 (assuming the same 6% rate of return). And, of course, the longer you do this, the better: $277.54 invested annually into a TFSA for 25 years, with a 6% interest rate, would grow to $16,140.72.\n<h3>The rising cost of love</h3>\nStill not convinced that you should do away with Valentine’s Day all together? This might influence you: The costs of coupledom are rapidly ascending. According to RateSupermarket, the cost of love has increased 22.8% from last year and a budget-busting 41% since the study’s 2013 debut.\n\nPenelope Graham, Editor at RateSupermarket, attributes these spikes to the increasing costs of travel and dining out, which have only been exacerbated by the diminished strength of our loonie.\n\nNow, just because I’m espousing you ignore all the overblown fanfare surrounding Feb. 14, please don’t think me some hard-hearted type. Imagine that you do opt to put that annual $277.84 Valentine’s Day expense into your TFSA for 25 years and grow it to more than $16,000. That’s going to provide one hell of a budget for you and your partner to jet off to some far-flung romantic destination for the trip of a lifetime. (I hear Paris is nice.)\n\n&nbsp;\n\n&nbsp;\n\n&nbsp;\n\nThe post <a href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\" rel=\"nofollow\">Shave $9,092.21 off the cost of love</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Shave $9,092.21 off the cost of love','<p>The surprisingly lucrative case for being a Valentine\'s Day grinch</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\">Shave $9,092.21 off the cost of love</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','351-autosave-v1','','','2016-03-17 18:54:12','2016-03-17 22:54:12','',351,'http://www.l2ocredit.com/2016/03/17/351-autosave-v1/',0,'revision','',0),(589,1,'2016-03-17 18:54:19','2016-03-17 22:54:19','Turns out, love does have a price—and it’s $61,821.60, according to the fourth annual Cost of Love study from <a href=\"https://www.ratesupermarket.ca/\">RateSupermarket.ca</a>.\r\n\r\nWhy $61,821.60? To come up with this rather precise number, the mortgage rate comparison site tallied up all the financial outlays associated with a one-year courtship period, one-year engagement and the average Canadian wedding. Baked into their calculations are various assumptions: Among other things, a prosperous and successful romance<em> must</em> include one beach vacation (with an average cost of $3,523), two weekend getaways (with an average cost of $625.75 ) and exactly 12 fancy dates (with an average cost of $277.54).\r\n\r\nWant an easy way to shave $9,092.21 to $10,889.42 off of this formidable expense? Skip your fancy plans for Valentine’s Day and invest that money in a tax-sheltered savings vehicle like a TFSA or RESP.\r\n\r\nKeep on reading, we’ll show you how it all works.\r\n<h3>Putting a price on romance</h3>\r\nRateSupermarket defines a “fancy” $277.54 date as the cost of a nice dinner and a pair of theatre tickets. Forgoing such a cost this Valentine’s Day (and for the next dozen years or more) would save you a hefty chunk of change. Now, if you were to invest that money in accounts that allow you to take advantage of tax-free, compound interest growth, well you’d really start building a lovely nest egg.\r\n<h3>Tax-free savings solutions</h3>\r\nFor instance, let’s say you’re expectant parents. Putting that $277.54 Valentine’s Day expense into a Registered Education Savings Plan (RESP) every year until your child turns 18 would give you a total balance of $10,889.42. Over that time period, your personal RESP contributions would add up to about $4,986, the Canada Education Savings Grant (CESG) the government chips in would account for $997.20, and your projected earnings (assuming a 6% rate of return) would be $4,906.22. (This scenario assumes net household income is $89,401 or more.)\r\n\r\nNot bad for skipping an overhyped evening associated with poor restaurant service thanks to subpar prix-fixe menus and increased head counts, right?\r\n\r\nBut what if you don’t have kids and have no use for an RESP? A Tax-Free Savings Account (TFSA) is another great tool that can make your investments work harder for you. Using the same savings timeline as the previous scenario (18 years), $277.54 invested annually into a TFSA would earn you $9,092.21 (assuming the same 6% rate of return). And, of course, the longer you do this, the better: $277.54 invested annually into a TFSA for 25 years, with a 6% interest rate, would grow to $16,140.72.\r\n<h3>The rising cost of love</h3>\r\nStill not convinced that you should do away with Valentine’s Day all together? This might influence you: The costs of coupledom are rapidly ascending. According to RateSupermarket, the cost of love has increased 22.8% from last year and a budget-busting 41% since the study’s 2013 debut.\r\n\r\nPenelope Graham, Editor at RateSupermarket, attributes these spikes to the increasing costs of travel and dining out, which have only been exacerbated by the diminished strength of our loonie.\r\n\r\nNow, just because I’m espousing you ignore all the overblown fanfare surrounding Feb. 14, please don’t think me some hard-hearted type. Imagine that you do opt to put that annual $277.84 Valentine’s Day expense into your TFSA for 25 years and grow it to more than $16,000. That’s going to provide one hell of a budget for you and your partner to jet off to some far-flung romantic destination for the trip of a lifetime. (I hear Paris is nice.)\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\" rel=\"nofollow\">Shave $9,092.21 off the cost of love</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Shave $9,092.21 off the cost of love','<p>The surprisingly lucrative case for being a Valentine\'s Day grinch</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\">Shave $9,092.21 off the cost of love</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','351-revision-v1','','','2016-03-17 18:54:19','2016-03-17 22:54:19','',351,'http://www.l2ocredit.com/2016/03/17/351-revision-v1/',0,'revision','',0),(590,1,'2016-03-17 19:26:43','2016-03-17 23:26:43','<div class=\"autoSection\">\r\n\r\n<img class=\"wp-image-77 size-full aligncenter\" src=\"http://www.presagemedia.com/l2o/wp-content/uploads/2016/01/200-CashBack.jpg\" alt=\"$200-CashBack\" width=\"800\" height=\"203\" />\r\n\r\n&nbsp;\r\n<h3>Good Credit, Bad Credit, Super Bad Credit.  We\'ll help you get into a vehicle fast.</h3>\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]1.[/mks_dropcap]\r\n<h3>Fill Out Your Basic Information</h3>\r\nFill out the form here and we will contact you to answer any of your questions, get your story, and finish the application process.\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]2.[/mks_dropcap]\r\n<h3>Choose A Vehicle From Inventory</h3>\r\nThere is a large selection of vehicles to choose from.  We will help you choose the best car to suit your needs and fit your budget. Rest assured that none of the vehicles have been in an accident and all have under 100,000 kms.  We want you in a safe and reliable car.  It will be hard, but don\'t fall in love with your vehicle. <strong>GET $200 CASH-BACK + FOR LIMITED TIME A $50 GAS CARD.</strong>\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]3.[/mks_dropcap]\r\n<h3>10-Months, Trade-In</h3>\r\nYou made your payments on time for 10-Months, time to Trade-In for a vehicle you will love and get a better interest rate too.  Of course, if you did fall in love with it, you can continue with your payments and trade-in at a later time.\r\n\r\n</div>','Get $200 CASH BACK + $50 Gas Card','','publish','open','open','','get-200-cash-back-50-gas-card','','','2016-03-21 01:17:22','2016-03-21 05:17:22','',0,'http://www.l2ocredit.com/?p=590',0,'post','',0),(591,1,'2016-03-17 19:26:43','2016-03-17 23:26:43','<div class=\"autoSection\">\r\n\r\n<img class=\"wp-image-77 size-full aligncenter\" src=\"http://www.presagemedia.com/l2o/wp-content/uploads/2016/01/200-CashBack.jpg\" alt=\"$200-CashBack\" width=\"800\" height=\"203\" />\r\n\r\n&nbsp;\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]1.[/mks_dropcap]\r\n<h3>Fill Out Your Basic Information</h3>\r\nFill out the form here and we will contact you to answer any of your questions, get your story, and finish the application process.\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]2.[/mks_dropcap]\r\n<h3>Choose A Vehicle From Inventory</h3>\r\nThere is a large selection of vehicles to choose from.  We will help you choose the best car to suit your needs and fit your budget. Rest assured that none of the vehicles have been in an accident and all have under 100,000 kms.  We want you in a safe and reliable car.  It will be hard, but don\'t fall in love with your vehicle. <strong>GET $200 CASH-BACK + FOR LIMITED TIME A $50 GAS CARD.</strong>\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]3.[/mks_dropcap]\r\n<h3>10-Months, Trade-In</h3>\r\nYou made your payments on time for 10-Months, time to Trade-In for a vehicle you will love and get a better interest rate too.  Of course, if you did fall in love with it, you can continue with your payments and trade-in at a later time.\r\n\r\n</div>','Get $200 CASH BACK + $50 Gas Card','','inherit','closed','closed','','590-revision-v1','','','2016-03-17 19:26:43','2016-03-17 23:26:43','',590,'http://www.l2ocredit.com/2016/03/17/590-revision-v1/',0,'revision','',0),(592,1,'2016-03-17 19:31:51','2016-03-17 23:31:51','','$200-CashBack-2','','inherit','open','closed','','200-cashback-2','','','2016-03-17 19:31:51','2016-03-17 23:31:51','',590,'http://www.l2ocredit.com/wp-content/uploads/2016/03/200-CashBack-2.jpg',0,'attachment','image/jpeg',0),(593,1,'2016-03-17 19:36:23','2016-03-17 23:36:23','<div class=\"autoSection\">\n\n<img class=\"wp-image-77 size-full aligncenter\" src=\"http://www.presagemedia.com/l2o/wp-content/uploads/2016/01/200-CashBack.jpg\" alt=\"$200-CashBack\" width=\"800\" height=\"203\" />\n\n&nbsp;\n<h3>Good Credit, Bad Credit, Super Bad Credit.  We\'ll help you get into a vehicle fast.</h3>\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]1.[/mks_dropcap]\n<h3>Fill Out Your Basic Information</h3>\nFill out the form here and we will contact you to answer any of your questions, get your story, and finish the application process.\n\n</div>\n<div class=\"autoSection\">\n\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]2.[/mks_dropcap]\n<h3>Choose A Vehicle From Inventory</h3>\nThere is a large selection of vehicles to choose from.  We will help you choose the best car to suit your needs and fit your budget. Rest assured that none of the vehicles have been in an accident and all have under 100,000 kms.  We want you in a safe and reliable car.  It will be hard, but don\'t fall in love with your vehicle. <strong>GET $200 CASH-BACK + FOR LIMITED TIME A $50 GAS CARD.</strong>\n\n</div>\n<div class=\"autoSection\">\n\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]3.[/mks_dropcap]\n<h3>10-Months, Trade-In</h3>\nYou made your payments on time for 10-Months, time to Trade-In for a vehicle you will love and get a better interest rate too.  Of course, if you did fall in love with it, you can continue with your payments and trade-in at a later time.\n\n</div>','Get $200 CASH BACK + $50 Gas Card','','inherit','closed','closed','','590-autosave-v1','','','2016-03-17 19:36:23','2016-03-17 23:36:23','',590,'http://www.l2ocredit.com/2016/03/17/590-autosave-v1/',0,'revision','',0),(594,1,'2016-03-17 19:33:40','2016-03-17 23:33:40','<div class=\"autoSection\">\r\n\r\n<img class=\"wp-image-77 size-full aligncenter\" src=\"http://www.presagemedia.com/l2o/wp-content/uploads/2016/01/200-CashBack.jpg\" alt=\"$200-CashBack\" width=\"800\" height=\"203\" />\r\n\r\n&nbsp;\r\nGood Credit, Bad Credit, Super Bad Credit.  We\'ll help you get into a vehicle fast.\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]1.[/mks_dropcap]\r\n<h3>Fill Out Your Basic Information</h3>\r\nFill out the form here and we will contact you to answer any of your questions, get your story, and finish the application process.\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]2.[/mks_dropcap]\r\n<h3>Choose A Vehicle From Inventory</h3>\r\nThere is a large selection of vehicles to choose from.  We will help you choose the best car to suit your needs and fit your budget. Rest assured that none of the vehicles have been in an accident and all have under 100,000 kms.  We want you in a safe and reliable car.  It will be hard, but don\'t fall in love with your vehicle. <strong>GET $200 CASH-BACK + FOR LIMITED TIME A $50 GAS CARD.</strong>\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]3.[/mks_dropcap]\r\n<h3>10-Months, Trade-In</h3>\r\nYou made your payments on time for 10-Months, time to Trade-In for a vehicle you will love and get a better interest rate too.  Of course, if you did fall in love with it, you can continue with your payments and trade-in at a later time.\r\n\r\n</div>','Get $200 CASH BACK + $50 Gas Card','','inherit','closed','closed','','590-revision-v1','','','2016-03-17 19:33:40','2016-03-17 23:33:40','',590,'http://www.l2ocredit.com/2016/03/17/590-revision-v1/',0,'revision','',0),(595,1,'2016-03-17 19:36:26','2016-03-17 23:36:26','<div class=\"autoSection\">\r\n\r\n<img class=\"wp-image-77 size-full aligncenter\" src=\"http://www.presagemedia.com/l2o/wp-content/uploads/2016/01/200-CashBack.jpg\" alt=\"$200-CashBack\" width=\"800\" height=\"203\" />\r\n\r\n&nbsp;\r\n<h3>Good Credit, Bad Credit, Super Bad Credit.  We\'ll help you get into a vehicle fast.</h3>\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]1.[/mks_dropcap]\r\n<h3>Fill Out Your Basic Information</h3>\r\nFill out the form here and we will contact you to answer any of your questions, get your story, and finish the application process.\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]2.[/mks_dropcap]\r\n<h3>Choose A Vehicle From Inventory</h3>\r\nThere is a large selection of vehicles to choose from.  We will help you choose the best car to suit your needs and fit your budget. Rest assured that none of the vehicles have been in an accident and all have under 100,000 kms.  We want you in a safe and reliable car.  It will be hard, but don\'t fall in love with your vehicle. <strong>GET $200 CASH-BACK + FOR LIMITED TIME A $50 GAS CARD.</strong>\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]3.[/mks_dropcap]\r\n<h3>10-Months, Trade-In</h3>\r\nYou made your payments on time for 10-Months, time to Trade-In for a vehicle you will love and get a better interest rate too.  Of course, if you did fall in love with it, you can continue with your payments and trade-in at a later time.\r\n\r\n</div>','Get $200 CASH BACK + $50 Gas Card','','inherit','closed','closed','','590-revision-v1','','','2016-03-17 19:36:26','2016-03-17 23:36:26','',590,'http://www.l2ocredit.com/2016/03/17/590-revision-v1/',0,'revision','',0),(596,1,'2016-03-17 19:37:29','2016-03-17 23:37:29','<div class=\"autoSection\">\r\n\r\n<img class=\"wp-image-77 size-full aligncenter\" src=\"http://www.presagemedia.com/l2o/wp-content/uploads/2016/01/200-CashBack.jpg\" alt=\"$200-CashBack\" width=\"800\" height=\"203\" />\r\n\r\n&nbsp;\r\n<h3>Good Credit, Bad Credit, Super Bad Credit.  We\'ll help you get into a vehicle fast.</h3>\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]1.[/mks_dropcap]\r\n<h3>Fill Out Your Basic Information</h3>\r\nFill out the form here and we will contact you to answer any of your questions, get your story, and finish the application process.\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]2.[/mks_dropcap]\r\n<h3>Choose A Vehicle From Inventory</h3>\r\nThere is a large selection of vehicles to choose from.  We will help you choose the best car to suit your needs and fit your budget. Rest assured that none of the vehicles have been in an accident and all have under 100,000 kms.  We want you in a safe and reliable car.  It will be hard, but don\'t fall in love with your vehicle. <strong>GET $200 CASH-BACK + FOR LIMITED TIME A $50 GAS CARD.</strong>\r\n\r\n</div>\r\n<div class=\"autoSection\">\r\n\r\n[mks_dropcap style=\"letter\" size=\"104\" bg_color=\"#ffffff\" txt_color=\"#f9ae00\"]3.[/mks_dropcap]\r\n<h3>10-Months, Trade-In</h3>\r\nYou made your payments on time for 10-Months, time to Trade-In for a vehicle you will love and get a better interest rate too.  Of course, if you did fall in love with it, you can continue with your payments and trade-in at a later time.\r\n\r\n</div>','Auto Financing','','inherit','closed','closed','','26-revision-v1','','','2016-03-17 19:37:29','2016-03-17 23:37:29','',26,'http://www.l2ocredit.com/2016/03/17/26-revision-v1/',0,'revision','',0),(597,1,'2016-03-18 08:30:49','2016-03-18 12:30:49','<div id=\"attachment_128704\" style=\"width: 411px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-128704\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/08/mortgage-debt.jpg\" alt=\"(John Lund/Getty Images)\" width=\"401\" height=\"217\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/08/mortgage-debt-300x162.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2015/08/mortgage-debt.jpg 401w, http://www.moneysense.ca/wp-content/uploads/2015/08/mortgage-debt-400x217.jpg 400w\" sizes=\"(max-width: 401px) 100vw, 401px\" /><p class=\"wp-caption-text\">(John Lund/Getty Images)</p></div>\n<p><strong>Q: </strong><span style=\"font-weight: 400;\">I’ve read a lot about the possibility of first ­time home buyers ending up with an underwater mortgage? I’m not sure what this is, but it doesn’t sound good. Can you explain what an underwater mortgage is and how to avoid it? </span></p>\n<p><em>— Trying to be responsible, Calgary, Alta.</em></p>\n<hr />\n<p><strong>Answer from Robert McLister, mortgage planner with Ratespy:  </strong>No homeowner wants an underwater mortgage. It means you have negative equity—i.e., you owe your lender more than your home is worth.</p>\n<p><span style=\"font-weight: 400;\">If you’re making a small down payment, it’s easy to become submerged. Imagine you’re buying a $400,000 home with only 5% down, for instance (that works out to $20,000). The day you close that mortgage you’ll owe $393,680 including mandatory default insurance fees. That’s a whopping 98.4% of the purchase price.</span></p>\n<p><span style=\"font-weight: 400;\">Now imagine unemployment soars and incomes drop or people just stop buying as many houses, which sends the market into a 20% correction. Suddenly owe about $390,000 on a property worth only $320,000. Now, my friend, you’re underwater…waaay underwater.</span></p>\n<p><span style=\"font-weight: 400;\">Negative equity causes real-life problems. For instance:</span></p>\n<p><span style=\"font-weight: 400;\">→ If you need to move (e.g., you got a job offer in another city or you split from your significant other), you&#8217;ll owe more than your home is worth and if you can’t pay it off, you’re stuck. You’d be trapped in your home with practically no way of selling it (because you can’t release the lender’s lien).</span></p>\n<p><span style=\"font-weight: 400;\">→ Lenders may be less likely to give you great rates at renewal if their internal valuation systems suggest you’re underwater.</span></p>\n<p><span style=\"font-weight: 400;\">→ You’ll have virtually no way to switch lenders at renewal if you want to get a great rate elsewhere.</span></p>\n<p><span style=\"font-weight: 400;\">How do you avoid all this? Here&#8217;s four suggestions: </span></p>\n<ol>\n<li><span style=\"font-weight: 400;\">You rent a little longer to save up a bigger down payment</span></li>\n<li><span style=\"font-weight: 400;\">Buy a home as a long-term hold</span></li>\n<li><span style=\"font-weight: 400;\">Make extra prepayments when possible</span></li>\n<li><span style=\"font-weight: 400;\">and don’t overpay.</span></li>\n</ol>\n<p><b><i><br />\n<img class=\"size-thumbnail wp-image-140588 alignleft\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-150x150.jpg\" alt=\"RE EXPERT: RobertMcLister\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-128x128.jpg 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" />Robert McLister</i></b><i><span style=\"font-weight: 400;\"> is a mortgage planner at</span></i><a href=\"https://www.intellimortgage.com/\"> <i><span style=\"font-weight: 400;\">intelliMortgage</span></i></a> <i><span style=\"font-weight: 400;\">and founder of</span></i><a href=\"http://www.ratespy.com/\"> <i><span style=\"font-weight: 400;\">RateSpy</span></i></a><i><span style=\"font-weight: 400;\">. You can follow him on Twitter at</span></i><a href=\"https://twitter.com/RateSpy\"> <i><span style=\"font-weight: 400;\">@RateSpy</span></i></a>.</p>\n<hr />\n<p><strong>Answer from Walter Melanson, lead analyst at PropertyGuys.com:</strong>  <span style=\"font-weight: 400;\">An underwater mortgage is when your mortgage balance is higher than the fair-market value of the home. Try to sell your home in this scenario and you&#8217;ll have to pay the extra costs out of pocket.  For example, if your mortgage is $250,000, but the home is only worth $225,000 then you would need to come up with the additional $25,000 to repay the outstanding mortgage balance.</span></p>\n<p><span style=\"font-weight: 400;\">An underwater mortgage can happen for a variety of reasons, but the most common is when a buyer puts down a relatively small down payment when purchasing a home only to have the home&#8217;s value decline.  T</span><strong><span style=\"font-weight: 400;\">he likelihood of this happening is not great, explains <strong><span style=\"font-weight: 400;\">PropertyGuys.com, mortgage b<strong><span style=\"font-weight: 400;\"><strong><span style=\"font-weight: 400;\">roker </span></strong></span></strong>Sarah Albert, because </span></strong></span></strong><strong><span style=\"font-weight: 400;\">Canadian lenders and consumers are very prudent. &#8220;There&#8217;s a saying in the banking industry,&#8221; says Albert, &#8220;that g</span></strong><strong><span style=\"font-weight: 400;\">ood loans happen in bad times and bad loans happen in good times.”</span></strong></p>\n<p><strong><span style=\"font-weight: 400;\">Given that Canada&#8217;s banking industry is heavily regulated and that, on the whole, our real estate values have increased, on average, by 3% annually, even buyers with a 5% down payment can avoid ending up with an underwater mortgage situation. With 5% down and even with the addition of the 3.6%  default insurance premium, you&#8217;ll still have 1.4% of equity in your house.  This may not seem like much but combine that with your monthly payments and your property&#8217;s appreciation, and it&#8217;s unlikely you&#8217;ll go under. That said, there are always anomalies in the market.</span></strong></p>\n<p>The best way to avoid owing more than your home is worth is to put as much money down on your property when you first buy. You can also choose a fixed rate mortgage to keep your payments and budget stable. You could also pay for a certified appraisal prior to buying to verify that you&#8217;re not overpaying for a home. While this can cost you $1,000 or more, it could end up saving you thousands in the end.</p>\n<p><span style=\"font-weight: 400;\">But, in the end, the key to avoiding this situation is to do your research before buying. Know the market, understand the difference between what a home is listed for versus what it is sold for, and keep an eye on changing market conditions, such as job losses. By paying attention and getting educated, you will make better more informed decisions. </span></p>\n<p><b><i><a href=\"http://www.propertyguys.com/\">Walter Melanson</a><a href=\"http://www.propertyguys.com/\"><img class=\"alignleft wp-image-140486 size-thumbnail\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg\" alt=\"RE Expert - Walter Melanson\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-128x128.jpg 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" /></a></i></b><b><i> </i></b><b><i><i><span style=\"font-weight: 400;\">is the co-founder and lead analyst at </span></i><i><span style=\"font-weight: 400;\"><a href=\"http://www.propertyguys.com/\" >PropertyGuys.com</a></span></i></i></b><b><i><i><span style=\"font-weight: 400;\">, Canada&#8217;s largest private sale franchise network. A background in finance, economics and technology, Walter&#8217;s true passion lies in building a more modern approach to buying and selling real estate.</span></i></i></b></p>\n<hr />\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:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\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/mortgages/how-to-avoid-the-underwater-mortgage/\">How to avoid the underwater mortgage</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to avoid the underwater mortgage','<p>Tips to avoid owing more than your home is worth</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/mortgages/how-to-avoid-the-underwater-mortgage/\">How to avoid the underwater mortgage</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-18 08:30:49','2016-03-18 12:30:49','',0,'http://www.moneysense.ca/?p=149918',0,'post','',0),(598,1,'2016-03-18 08:30:49','2016-03-18 12:30:49','<div id=\"attachment_128704\" style=\"width: 411px\" class=\"wp-caption aligncenter\"><img class=\"size-full wp-image-128704\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/08/mortgage-debt.jpg\" alt=\"(John Lund/Getty Images)\" width=\"401\" height=\"217\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/08/mortgage-debt-300x162.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2015/08/mortgage-debt.jpg 401w, http://www.moneysense.ca/wp-content/uploads/2015/08/mortgage-debt-400x217.jpg 400w\" sizes=\"(max-width: 401px) 100vw, 401px\" /><p class=\"wp-caption-text\">(John Lund/Getty Images)</p></div>\n<p><strong>Q: </strong><span style=\"font-weight: 400;\">I’ve read a lot about the possibility of first ­time home buyers ending up with an underwater mortgage? I’m not sure what this is, but it doesn’t sound good. Can you explain what an underwater mortgage is and how to avoid it? </span></p>\n<p><em>— Trying to be responsible, Calgary, Alta.</em></p>\n<hr />\n<p><strong>Answer from Robert McLister, mortgage planner with Ratespy:  </strong>No homeowner wants an underwater mortgage. It means you have negative equity—i.e., you owe your lender more than your home is worth.</p>\n<p><span style=\"font-weight: 400;\">If you’re making a small down payment, it’s easy to become submerged. Imagine you’re buying a $400,000 home with only 5% down, for instance (that works out to $20,000). The day you close that mortgage you’ll owe $393,680 including mandatory default insurance fees. That’s a whopping 98.4% of the purchase price.</span></p>\n<p><span style=\"font-weight: 400;\">Now imagine unemployment soars and incomes drop or people just stop buying as many houses, which sends the market into a 20% correction. Suddenly owe about $390,000 on a property worth only $320,000. Now, my friend, you’re underwater…waaay underwater.</span></p>\n<p><span style=\"font-weight: 400;\">Negative equity causes real-life problems. For instance:</span></p>\n<p><span style=\"font-weight: 400;\">→ If you need to move (e.g., you got a job offer in another city or you split from your significant other), you&#8217;ll owe more than your home is worth and if you can’t pay it off, you’re stuck. You’d be trapped in your home with practically no way of selling it (because you can’t release the lender’s lien).</span></p>\n<p><span style=\"font-weight: 400;\">→ Lenders may be less likely to give you great rates at renewal if their internal valuation systems suggest you’re underwater.</span></p>\n<p><span style=\"font-weight: 400;\">→ You’ll have virtually no way to switch lenders at renewal if you want to get a great rate elsewhere.</span></p>\n<p><span style=\"font-weight: 400;\">How do you avoid all this? Here&#8217;s four suggestions: </span></p>\n<ol>\n<li><span style=\"font-weight: 400;\">You rent a little longer to save up a bigger down payment</span></li>\n<li><span style=\"font-weight: 400;\">Buy a home as a long-term hold</span></li>\n<li><span style=\"font-weight: 400;\">Make extra prepayments when possible</span></li>\n<li><span style=\"font-weight: 400;\">and don’t overpay.</span></li>\n</ol>\n<p><b><i><br />\n<img class=\"size-thumbnail wp-image-140588 alignleft\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-150x150.jpg\" alt=\"RE EXPERT: RobertMcLister\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-128x128.jpg 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" />Robert McLister</i></b><i><span style=\"font-weight: 400;\"> is a mortgage planner at</span></i><a href=\"https://www.intellimortgage.com/\"> <i><span style=\"font-weight: 400;\">intelliMortgage</span></i></a> <i><span style=\"font-weight: 400;\">and founder of</span></i><a href=\"http://www.ratespy.com/\"> <i><span style=\"font-weight: 400;\">RateSpy</span></i></a><i><span style=\"font-weight: 400;\">. You can follow him on Twitter at</span></i><a href=\"https://twitter.com/RateSpy\"> <i><span style=\"font-weight: 400;\">@RateSpy</span></i></a>.</p>\n<hr />\n<p><strong>Answer from Walter Melanson, lead analyst at PropertyGuys.com:</strong>  <span style=\"font-weight: 400;\">An underwater mortgage is when your mortgage balance is higher than the fair-market value of the home. Try to sell your home in this scenario and you&#8217;ll have to pay the extra costs out of pocket.  For example, if your mortgage is $250,000, but the home is only worth $225,000 then you would need to come up with the additional $25,000 to repay the outstanding mortgage balance.</span></p>\n<p><span style=\"font-weight: 400;\">An underwater mortgage can happen for a variety of reasons, but the most common is when a buyer puts down a relatively small down payment when purchasing a home only to have the home&#8217;s value decline.  T</span><strong><span style=\"font-weight: 400;\">he likelihood of this happening is not great, explains <strong><span style=\"font-weight: 400;\">PropertyGuys.com, mortgage b<strong><span style=\"font-weight: 400;\"><strong><span style=\"font-weight: 400;\">roker </span></strong></span></strong>Sarah Albert, because </span></strong></span></strong><strong><span style=\"font-weight: 400;\">Canadian lenders and consumers are very prudent. &#8220;There&#8217;s a saying in the banking industry,&#8221; says Albert, &#8220;that g</span></strong><strong><span style=\"font-weight: 400;\">ood loans happen in bad times and bad loans happen in good times.”</span></strong></p>\n<p><strong><span style=\"font-weight: 400;\">Given that Canada&#8217;s banking industry is heavily regulated and that, on the whole, our real estate values have increased, on average, by 3% annually, even buyers with a 5% down payment can avoid ending up with an underwater mortgage situation. With 5% down and even with the addition of the 3.6%  default insurance premium, you&#8217;ll still have 1.4% of equity in your house.  This may not seem like much but combine that with your monthly payments and your property&#8217;s appreciation, and it&#8217;s unlikely you&#8217;ll go under. That said, there are always anomalies in the market.</span></strong></p>\n<p>The best way to avoid owing more than your home is worth is to put as much money down on your property when you first buy. You can also choose a fixed rate mortgage to keep your payments and budget stable. You could also pay for a certified appraisal prior to buying to verify that you&#8217;re not overpaying for a home. While this can cost you $1,000 or more, it could end up saving you thousands in the end.</p>\n<p><span style=\"font-weight: 400;\">But, in the end, the key to avoiding this situation is to do your research before buying. Know the market, understand the difference between what a home is listed for versus what it is sold for, and keep an eye on changing market conditions, such as job losses. By paying attention and getting educated, you will make better more informed decisions. </span></p>\n<p><b><i><a href=\"http://www.propertyguys.com/\">Walter Melanson</a><a href=\"http://www.propertyguys.com/\"><img class=\"alignleft wp-image-140486 size-thumbnail\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg\" alt=\"RE Expert - Walter Melanson\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-128x128.jpg 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" /></a></i></b><b><i> </i></b><b><i><i><span style=\"font-weight: 400;\">is the co-founder and lead analyst at </span></i><i><span style=\"font-weight: 400;\"><a href=\"http://www.propertyguys.com/\" >PropertyGuys.com</a></span></i></i></b><b><i><i><span style=\"font-weight: 400;\">, Canada&#8217;s largest private sale franchise network. A background in finance, economics and technology, Walter&#8217;s true passion lies in building a more modern approach to buying and selling real estate.</span></i></i></b></p>\n<hr />\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:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\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/mortgages/how-to-avoid-the-underwater-mortgage/\">How to avoid the underwater mortgage</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to avoid the underwater mortgage','<p>Tips to avoid owing more than your home is worth</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/mortgages/how-to-avoid-the-underwater-mortgage/\">How to avoid the underwater mortgage</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','597-revision-v1','','','2016-03-18 08:30:49','2016-03-18 12:30:49','',597,'http://feedwordpress.radgeek.com/?rev=e586fd0105a04ece01e5d35e86241491',0,'revision','',0),(599,1,'2016-03-18 08:00:20','2016-03-18 12:00:20','<p class=\"p1\"><img class=\"aligncenter size-large wp-image-150158\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-1024x568.png\" alt=\"Screen Shot 2016-03-17 at 2.39.46 PM\" width=\"1024\" height=\"568\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-300x166.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-768x426.png 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-1024x568.png 1024w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-660x366.png 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM.png 1123w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" />When Ontario became the first province to loosen restrictions for investing in private capital markets earlier this year, it opened the floodgates to mil<span class=\"s1\">lions who may not have qualified </span>previously. As of April 30, similar changes are also coming to Alberta, Saskatchewan, Quebec, <span class=\"s1\">New Brunswick and Nova Scotia. Until now, it’s primarily been the wealthy who have had access to </span>alternative investments in private markets. While returns with these products can be higher, so too can the risks.</p>\n<p class=\"p2\">In the past, an investor required financial assets of at least $1 million, income in excess of $200,000 in the past two years <span class=\"s2\">($300,000 combined with a </span>spouse), or a net worth of over $5 million to get into private capital markets. Now anybody can invest up to $10,000 annu<span class=\"s1\">ally—and so-called “eligible in</span>vestors”<span class=\"Apple-converted-space\">  </span>can invest up to $30,000 provided they have $75,000 of personal income in the past two years ($125,000 combined with a spouse), or $400,000 in total net assets. Want an even bigger piece of the action? Eligible investors who <span class=\"s2\">obtain suitability advice from </span>a licensed exempt market pro<span class=\"s2\">fessional can invest up to </span>$100,000 every year.</p>\n<p class=\"p2\">To be sure, the private capital market is appealing for those seeking out unique investments like green energy or private equity. There are also more conventional investment options like mortgages and real estate—but with the potential to earn higher returns since costs involved with raising private capital are lower.</p>\n<p class=\"p2\">Less desirable, however, is the fact that private investments aren’t always as transparent as publicly traded securities. And they may be less liquid, require holding periods or have little secondary market for selling.</p>\n<p class=\"p2\">Few investors will hear about private capital market investments from their advisors, who may not be licensed or approved to offer them. But that’s probably a good thing, since many investors would be ill-suited for these products. Only seasoned investors with diversified core portfolios should consider exploring what they have to offer. There’s no requirement for eligible investors to obtain suitability advice, but they should get advice from an exempt market professional.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/investing-in-private-capital-markets/\">Be wary of private capital markets</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Be wary of private capital markets','<p>Average investors now have options previously restricted to the rich&mdash;with all the risks</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/investing-in-private-capital-markets/\">Be wary of private capital markets</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-18 08:00:20','2016-03-18 12:00:20','',0,'http://www.moneysense.ca/?p=150102',0,'post','',0),(600,1,'2016-03-18 08:00:20','2016-03-18 12:00:20','<p class=\"p1\"><img class=\"aligncenter size-large wp-image-150158\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-1024x568.png\" alt=\"Screen Shot 2016-03-17 at 2.39.46 PM\" width=\"1024\" height=\"568\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-300x166.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-768x426.png 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-1024x568.png 1024w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-660x366.png 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM.png 1123w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" />When Ontario became the first province to loosen restrictions for investing in private capital markets earlier this year, it opened the floodgates to mil<span class=\"s1\">lions who may not have qualified </span>previously. As of April 30, similar changes are also coming to Alberta, Saskatchewan, Quebec, <span class=\"s1\">New Brunswick and Nova Scotia. Until now, it’s primarily been the wealthy who have had access to </span>alternative investments in private markets. While returns with these products can be higher, so too can the risks.</p>\n<p class=\"p2\">In the past, an investor required financial assets of at least $1 million, income in excess of $200,000 in the past two years <span class=\"s2\">($300,000 combined with a </span>spouse), or a net worth of over $5 million to get into private capital markets. Now anybody can invest up to $10,000 annu<span class=\"s1\">ally—and so-called “eligible in</span>vestors”<span class=\"Apple-converted-space\">  </span>can invest up to $30,000 provided they have $75,000 of personal income in the past two years ($125,000 combined with a spouse), or $400,000 in total net assets. Want an even bigger piece of the action? Eligible investors who <span class=\"s2\">obtain suitability advice from </span>a licensed exempt market pro<span class=\"s2\">fessional can invest up to </span>$100,000 every year.</p>\n<p class=\"p2\">To be sure, the private capital market is appealing for those seeking out unique investments like green energy or private equity. There are also more conventional investment options like mortgages and real estate—but with the potential to earn higher returns since costs involved with raising private capital are lower.</p>\n<p class=\"p2\">Less desirable, however, is the fact that private investments aren’t always as transparent as publicly traded securities. And they may be less liquid, require holding periods or have little secondary market for selling.</p>\n<p class=\"p2\">Few investors will hear about private capital market investments from their advisors, who may not be licensed or approved to offer them. But that’s probably a good thing, since many investors would be ill-suited for these products. Only seasoned investors with diversified core portfolios should consider exploring what they have to offer. There’s no requirement for eligible investors to obtain suitability advice, but they should get advice from an exempt market professional.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/investing-in-private-capital-markets/\">Be wary of private capital markets</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Be wary of private capital markets','<p>Average investors now have options previously restricted to the rich&mdash;with all the risks</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/investing-in-private-capital-markets/\">Be wary of private capital markets</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','599-revision-v1','','','2016-03-18 08:00:20','2016-03-18 12:00:20','',599,'http://feedwordpress.radgeek.com/?rev=06f6152b97f72371626dc26238acec49',0,'revision','',0),(601,1,'2016-03-17 14:44:49','2016-03-17 18:44:49','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT10M43S\" />\n        <meta itemprop=\"thumbnailUrl\" content=\"http://newsandbusiness.rogersdigitalmedia.com.edgesuite.net/bcassets/13639244001/13639244001_4805736346001_WTB-Calgary---Brightcove.jpg?pubId=13639244001\" />\n        <meta itemprop=\"name\" content=\"Best Deals in Real Estate 2016: Where to buy in Calgary\" />\n        <meta itemprop=\"description\" content=\"Senior editors Mark Brown and Romana King discuss the top neighbourhoods to buy in Calgary.\" />\n        <meta itemprop=\"uploadDate\" content=\"2016-03-17T14:44:49-04:00\" />\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=\"myExperience4805676853001\" 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=\"4805676853001\" />\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/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods/\" />\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/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\">Calgary neighbourhoods on the upswing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Calgary neighbourhoods on the upswing','<p>These low-priced &amp; undervalued \'hoods are the city\'s best bets</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\">Calgary neighbourhoods on the upswing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','569-revision-v1','','','2016-03-17 14:44:49','2016-03-17 18:44:49','',569,'http://feedwordpress.radgeek.com/?rev=8af7d7a6936d4bd43d840f9dc048661e',0,'revision','',0),(602,1,'2016-03-18 08:30:49','2016-03-18 12:30:49','<div id=\"attachment_150202\" style=\"width: 2157px\" class=\"wp-caption alignnone\"><img class=\"wp-image-150202 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390.jpg\" alt=\"underwater mortgage\" width=\"2147\" height=\"1398\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390-300x195.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390-768x500.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390-1024x667.jpg 1024w, http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390-660x430.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390.jpg 2147w\" sizes=\"(max-width: 2147px) 100vw, 2147px\" /><p class=\"wp-caption-text\">(John Lund/Getty Images)</p></div>\n<p><strong>Q: </strong><span style=\"font-weight: 400;\">I’ve read a lot about the possibility of first ­time home buyers ending up with an underwater mortgage? I’m not sure what this is, but it doesn’t sound good. Can you explain what an underwater mortgage is and how to avoid it? </span></p>\n<p><em>— Trying to be responsible, Calgary, Alta.</em></p>\n<hr />\n<p><strong>Answer from Robert McLister, mortgage planner with Ratespy:  </strong>No homeowner wants an underwater mortgage. It means you have negative equity—i.e., you owe your lender more than your home is worth.</p>\n<p><span style=\"font-weight: 400;\">If you’re making a small down payment, it’s easy to become submerged. Imagine you’re buying a $400,000 home with only 5% down, for instance (that works out to $20,000). The day you close that mortgage you’ll owe $393,680 including mandatory default insurance fees. That’s a whopping 98.4% of the purchase price.</span></p>\n<p><span style=\"font-weight: 400;\">Now imagine unemployment soars and incomes drop or people just stop buying as many houses, which sends the market into a 20% correction. Suddenly you owe about $390,000 on a property worth only $320,000. Now, my friend, you’re underwater…<em>waaay</em> underwater.</span></p>\n<p><span style=\"font-weight: 400;\">Negative equity causes real-life problems. For instance:</span></p>\n<p><span style=\"font-weight: 400;\">→ If you need to move (e.g., you got a job offer in another city or you split from your significant other), you&#8217;ll owe more than your home is worth and if you can’t pay it off, you’re stuck. You’d be trapped in your home with practically no way of selling it (because you can’t release the lender’s lien).</span></p>\n<p><span style=\"font-weight: 400;\">→ Lenders may be less likely to give you great rates at renewal if their internal valuation systems suggest you’re underwater.</span></p>\n<p><span style=\"font-weight: 400;\">→ You’ll have virtually no way to switch lenders at renewal if you want to get a great rate elsewhere.</span></p>\n<p><span style=\"font-weight: 400;\">How do you avoid all this? Here&#8217;s four suggestions: </span></p>\n<ol>\n<li><span style=\"font-weight: 400;\">You rent a little longer to save up a bigger down payment</span></li>\n<li><span style=\"font-weight: 400;\">Buy a home as a long-term hold</span></li>\n<li><span style=\"font-weight: 400;\">Make extra prepayments when possible</span></li>\n<li><span style=\"font-weight: 400;\">Don’t overpay</span></li>\n</ol>\n<p><b><i><br />\n<img class=\"size-thumbnail wp-image-140588 alignleft\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-150x150.jpg\" alt=\"RE EXPERT: RobertMcLister\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-128x128.jpg 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" />Robert McLister</i></b><i><span style=\"font-weight: 400;\"> is a mortgage planner at</span></i><a href=\"https://www.intellimortgage.com/\" > <i><span style=\"font-weight: 400;\">intelliMortgage</span></i></a> <i><span style=\"font-weight: 400;\">and founder of</span></i><a href=\"http://www.ratespy.com/\" > <i><span style=\"font-weight: 400;\">RateSpy</span></i></a><i><span style=\"font-weight: 400;\">. You can follow him on Twitter at</span></i><a href=\"https://twitter.com/RateSpy\" > <i><span style=\"font-weight: 400;\">@RateSpy</span></i></a>.</p>\n<hr />\n<p><strong>Answer from Walter Melanson, lead analyst at PropertyGuys.com:</strong>  <span style=\"font-weight: 400;\">An underwater mortgage is when your mortgage balance is higher than the fair-market value of the home. Try to sell your home in this scenario and you&#8217;ll have to pay the extra costs out of pocket. For example, if your mortgage is $250,000, but the home is only worth $225,000 then you would need to come up with the additional $25,000 to repay the outstanding mortgage balance.</span></p>\n<p><span style=\"font-weight: 400;\">An underwater mortgage can happen for a variety of reasons, but the most common is when a buyer puts down a relatively small down payment when purchasing a home only to have the home&#8217;s value decline.  T</span><strong><span style=\"font-weight: 400;\">he likelihood of this happening is not great, explains <strong><span style=\"font-weight: 400;\">PropertyGuys.com mortgage b<strong><span style=\"font-weight: 400;\"><strong><span style=\"font-weight: 400;\">roker </span></strong></span></strong>Sarah Albert, because </span></strong></span></strong><strong><span style=\"font-weight: 400;\">Canadian lenders and consumers are very prudent. &#8220;There&#8217;s a saying in the banking industry,&#8221; says Albert, &#8220;that g</span></strong><strong><span style=\"font-weight: 400;\">ood loans happen in bad times and bad loans happen in good times.”</span></strong></p>\n<p><strong><span style=\"font-weight: 400;\">Given that Canada&#8217;s banking industry is heavily regulated and that, on the whole, our real estate values have increased, on average, by 3% annually, even buyers with a 5% down payment can avoid ending up with an underwater mortgage situation. With 5% down and even with the addition of the 3.6% default insurance premium, you&#8217;ll still have 1.4% of equity in your house.  This may not seem like much but combine that with your monthly payments and your property&#8217;s appreciation, and it&#8217;s unlikely you&#8217;ll go under. That said, there are always anomalies in the market.</span></strong></p>\n<p>The best way to avoid owing more than your home is worth is to put as much money down on your property when you first buy. You can also choose a fixed rate mortgage to keep your payments and budget stable. You could also pay for a certified appraisal prior to buying to verify that you&#8217;re not overpaying for a home. While this can cost you $1,000 or more, it could end up saving you thousands in the end.</p>\n<p><span style=\"font-weight: 400;\">But, in the end, the key to avoiding this situation is to do your research before buying. Know the market, understand the difference between what a home is listed for versus what it is sold for, and keep an eye on changing market conditions, such as job losses. By paying attention and getting educated, you will make better more informed decisions. </span></p>\n<p><b><i><a href=\"http://www.propertyguys.com/\" >Walter Melanson</a><a href=\"http://www.propertyguys.com/\"><img class=\"alignleft wp-image-140486 size-thumbnail\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg\" alt=\"RE Expert - Walter Melanson\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-128x128.jpg 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" /></a></i></b><b><i> </i></b><b><i><i><span style=\"font-weight: 400;\">is the co-founder and lead analyst at </span></i><i><span style=\"font-weight: 400;\"><a href=\"http://www.propertyguys.com/\" >PropertyGuys.com</a></span></i></i></b><b><i><i><span style=\"font-weight: 400;\">, Canada&#8217;s largest private sale franchise network. A background in finance, economics and technology, Walter&#8217;s true passion lies in building a more modern approach to buying and selling real estate.</span></i></i></b></p>\n<hr />\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:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\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/mortgages/how-to-avoid-the-underwater-mortgage/\">How to avoid the underwater mortgage</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to avoid the underwater mortgage','<p>Tips to ensure you don\'t owe more than your home is worth</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/mortgages/how-to-avoid-the-underwater-mortgage/\">How to avoid the underwater mortgage</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','597-revision-v1','','','2016-03-18 08:30:49','2016-03-18 12:30:49','',597,'http://feedwordpress.radgeek.com/?rev=6d43136282ebdbb848cadaa9ee172df9',0,'revision','',0),(603,1,'2016-03-18 08:30:49','2016-03-18 12:30:49','<div id=\"attachment_150202\" style=\"width: 2157px\" class=\"wp-caption alignnone\"><img class=\"wp-image-150202 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390.jpg\" alt=\"underwater mortgage\" width=\"2147\" height=\"1398\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390-300x195.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390-768x500.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390-1024x667.jpg 1024w, http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390-660x430.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/GettyImages-166346390.jpg 2147w\" sizes=\"(max-width: 2147px) 100vw, 2147px\" /><p class=\"wp-caption-text\">(John Lund/Getty Images)</p></div>\n<p><strong>Q: </strong><span style=\"font-weight: 400;\">I’ve read a lot about the possibility of first ­time home buyers ending up with an underwater mortgage? I’m not sure what this is, but it doesn’t sound good. Can you explain what an underwater mortgage is and how to avoid it? </span></p>\n<p><em>— Trying to be responsible, Calgary, Alta.</em></p>\n<hr />\n<p><strong>Answer from Robert McLister, mortgage planner with Ratespy:  </strong>No homeowner wants an underwater mortgage. It means you have negative equity—i.e., you owe your lender more than your home is worth.</p>\n<p><span style=\"font-weight: 400;\">If you’re making a small down payment, it’s easy to become submerged. Imagine you’re buying a $400,000 home with only 5% down, for instance (that works out to $20,000). The day you close that mortgage you’ll owe $393,680 including mandatory default insurance fees. That’s a whopping 98.4% of the purchase price.</span></p>\n<p><span style=\"font-weight: 400;\">Now imagine unemployment soars and incomes drop or people just stop buying as many houses, which sends the market into a 20% correction. Suddenly you owe about $390,000 on a property worth only $320,000. Now, my friend, you’re underwater…<em>waaay</em> underwater.</span></p>\n<p><span style=\"font-weight: 400;\">Negative equity causes real-life problems. For instance:</span></p>\n<p><span style=\"font-weight: 400;\">→ If you need to move (e.g., you got a job offer in another city or you split from your significant other), you&#8217;ll owe more than your home is worth and if you can’t pay it off, you’re stuck. You’d be trapped in your home with practically no way of selling it (because you can’t release the lender’s lien).</span></p>\n<p><span style=\"font-weight: 400;\">→ Lenders may be less likely to give you great rates at renewal if their internal valuation systems suggest you’re underwater.</span></p>\n<p><span style=\"font-weight: 400;\">→ You’ll have virtually no way to switch lenders at renewal if you want to get a great rate elsewhere.</span></p>\n<p><span style=\"font-weight: 400;\">How do you avoid all this? Here&#8217;s four suggestions: </span></p>\n<ol>\n<li><span style=\"font-weight: 400;\">You rent a little longer to save up a bigger down payment</span></li>\n<li><span style=\"font-weight: 400;\">Buy a home as a long-term hold</span></li>\n<li><span style=\"font-weight: 400;\">Make extra prepayments when possible</span></li>\n<li><span style=\"font-weight: 400;\">Don’t overpay</span></li>\n</ol>\n<p><b><i><br />\n<img class=\"size-thumbnail wp-image-140588 alignleft\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-150x150.jpg\" alt=\"RE EXPERT: RobertMcLister\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-RobertMcLister-128x128.jpg 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" />Robert McLister</i></b><i><span style=\"font-weight: 400;\"> is a mortgage planner at</span></i><a href=\"https://www.intellimortgage.com/\" > <i><span style=\"font-weight: 400;\">intelliMortgage</span></i></a> <i><span style=\"font-weight: 400;\">and founder of</span></i><a href=\"http://www.ratespy.com/\" > <i><span style=\"font-weight: 400;\">RateSpy</span></i></a><i><span style=\"font-weight: 400;\">. You can follow him on Twitter at</span></i><a href=\"https://twitter.com/RateSpy\" > <i><span style=\"font-weight: 400;\">@RateSpy</span></i></a>.</p>\n<hr />\n<p><strong>Answer from Walter Melanson, lead analyst at PropertyGuys.com:</strong>  <span style=\"font-weight: 400;\">An underwater mortgage is when your mortgage balance is higher than the fair-market value of the home. Try to sell your home in this scenario and you&#8217;ll have to pay the extra costs out of pocket. For example, if your mortgage is $250,000, but the home is only worth $225,000 then you would need to come up with the additional $25,000 to repay the outstanding mortgage balance.</span></p>\n<p><span style=\"font-weight: 400;\">An underwater mortgage can happen for a variety of reasons, but the most common is when a buyer puts down a relatively small down payment when purchasing a home only to have the home&#8217;s value decline.  T</span><strong><span style=\"font-weight: 400;\">he likelihood of this happening is not great, explains <strong><span style=\"font-weight: 400;\">PropertyGuys.com mortgage b<strong><span style=\"font-weight: 400;\"><strong><span style=\"font-weight: 400;\">roker </span></strong></span></strong>Sarah Albert, because </span></strong></span></strong><strong><span style=\"font-weight: 400;\">Canadian lenders and consumers are very prudent. &#8220;There&#8217;s a saying in the banking industry,&#8221; says Albert, &#8220;that g</span></strong><strong><span style=\"font-weight: 400;\">ood loans happen in bad times and bad loans happen in good times.”</span></strong></p>\n<p><strong><span style=\"font-weight: 400;\">Given that Canada&#8217;s banking industry is heavily regulated and that, on the whole, our real estate values have increased, on average, by 3% annually, even buyers with a 5% down payment can avoid ending up with an underwater mortgage situation. With 5% down and even with the addition of the 3.6% default insurance premium, you&#8217;ll still have 1.4% of equity in your house.  This may not seem like much but combine that with your monthly payments and your property&#8217;s appreciation, and it&#8217;s unlikely you&#8217;ll go under. That said, there are always anomalies in the market.</span></strong></p>\n<p>The best way to avoid owing more than your home is worth is to put as much money down on your property when you first buy. You can also choose a fixed rate mortgage to keep your payments and budget stable. You could also pay for a certified appraisal prior to buying to verify that you&#8217;re not overpaying for a home. While this can cost you $1,000 or more, it could end up saving you thousands in the end.</p>\n<p><span style=\"font-weight: 400;\">But, in the end, the key to avoiding this situation is to do your research before buying. Know the market, understand the difference between what a home is listed for versus what it is sold for, and keep an eye on changing market conditions, such as job losses. By paying attention and getting educated, you will make better more informed decisions. </span></p>\n<p><b><i><a href=\"http://www.propertyguys.com/\" >Walter Melanson</a><a href=\"http://www.propertyguys.com/\"><img class=\"alignleft wp-image-140486 size-thumbnail\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg\" alt=\"RE Expert - Walter Melanson\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-128x128.jpg 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" /></a></i></b><b><i> </i></b><b><i><i><span style=\"font-weight: 400;\">is the co-founder and lead analyst at </span></i><i><span style=\"font-weight: 400;\"><a href=\"http://www.propertyguys.com/\" >PropertyGuys.com</a></span></i></i></b><b><i><i><span style=\"font-weight: 400;\">, Canada&#8217;s largest private sale franchise network. A background in finance, economics and technology, Walter&#8217;s true passion lies in building a more modern approach to buying and selling real estate.</span></i></i></b></p>\n<hr />\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:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\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/mortgages/how-to-avoid-the-underwater-mortgage/\">How to avoid the underwater mortgage</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to avoid the underwater mortgage','<p>Tips to ensure you don\'t owe more than your home is worth</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/mortgages/how-to-avoid-the-underwater-mortgage/\">How to avoid the underwater mortgage</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','597-revision-v1','','','2016-03-18 08:30:49','2016-03-18 12:30:49','',597,'http://feedwordpress.radgeek.com/?rev=6d43136282ebdbb848cadaa9ee172df9',0,'revision','',0),(604,1,'2016-03-18 08:00:20','2016-03-18 12:00:20','<div id=\"attachment_150158\" style=\"width: 1034px\" class=\"wp-caption aligncenter\"><img class=\"wp-image-150158 size-large\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-1024x568.png\" alt=\"private capital markets\" width=\"1024\" height=\"568\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-300x166.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-768x426.png 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-1024x568.png 1024w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-660x366.png 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM.png 1123w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" /><p class=\"wp-caption-text\">(Illustration by Sebastien Thibault)</p></div>\n<p class=\"p1\">When Ontario became the first province to loosen restrictions for investing in private capital markets earlier this year, it opened the floodgates to mil<span class=\"s1\">lions who may not have qualified </span>previously. As of April 30, similar changes are also coming to Alberta, Saskatchewan, Quebec, <span class=\"s1\">New Brunswick and Nova Scotia. Until now, it’s primarily been the wealthy who have had access to </span>alternative investments in private markets. While returns with these products can be higher, so too can the risks.</p>\n<p class=\"p2\">In the past, an investor required financial assets of at least $1 million, income in excess of $200,000 in the past two years <span class=\"s2\">($300,000 combined with a </span>spouse), or a net worth of over $5 million to get into private capital markets. Now anybody can invest up to $10,000 annu<span class=\"s1\">ally—and so-called “eligible in</span>vestors”<span class=\"Apple-converted-space\">  </span>can invest up to $30,000 provided they have $75,000 of personal income in the past two years ($125,000 combined with a spouse), or $400,000 in total net assets. Want an even bigger piece of the action? Eligible investors who <span class=\"s2\">obtain suitability advice from </span>a licensed exempt market pro<span class=\"s2\">fessional can invest up to </span>$100,000 every year.</p>\n<p class=\"p2\">To be sure, the private capital market is appealing for those seeking out unique investments like green energy or private equity. There are also more conventional investment options like mortgages and real estate—but with the potential to earn higher returns since costs involved with raising private capital are lower.</p>\n<p class=\"p2\">Less desirable, however, is the fact that private investments aren’t always as transparent as publicly traded securities. And they may be less liquid, require holding periods or have little secondary market for selling.</p>\n<p class=\"p2\">Few investors will hear about private capital market investments from their advisors, who may not be licensed or approved to offer them. But that’s probably a good thing, since many investors would be ill-suited for these products. Only seasoned investors with diversified core portfolios should consider exploring what they have to offer. There’s no requirement for eligible investors to obtain suitability advice, but they should get advice from an exempt market professional.</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/investing-in-private-capital-markets/\">Be wary of private capital markets</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Be wary of private capital markets','<p>Average investors now have options previously restricted to the rich&mdash;with all the risks</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/investing-in-private-capital-markets/\">Be wary of private capital markets</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','599-revision-v1','','','2016-03-18 08:00:20','2016-03-18 12:00:20','',599,'http://feedwordpress.radgeek.com/?rev=f5e44a42b5178275af1a7c45456618be',0,'revision','',0),(605,1,'2016-03-18 08:00:20','2016-03-18 12:00:20','<div id=\"attachment_150158\" style=\"width: 1034px\" class=\"wp-caption aligncenter\"><img class=\"wp-image-150158 size-large\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-1024x568.png\" alt=\"private capital markets\" width=\"1024\" height=\"568\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-300x166.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-768x426.png 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-1024x568.png 1024w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM-660x366.png 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-17-at-2.39.46-PM.png 1123w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" /><p class=\"wp-caption-text\">(Illustration by Sebastien Thibault)</p></div>\n<p class=\"p1\">When Ontario became the first province to loosen restrictions for investing in private capital markets earlier this year, it opened the floodgates to mil<span class=\"s1\">lions who may not have qualified </span>previously. As of April 30, similar changes are also coming to Alberta, Saskatchewan, Quebec, <span class=\"s1\">New Brunswick and Nova Scotia. Until now, it’s primarily been the wealthy who have had access to </span>alternative investments in private markets. While returns with these products can be higher, so too can the risks.</p>\n<p class=\"p2\">In the past, an investor required financial assets of at least $1 million, income in excess of $200,000 in the past two years <span class=\"s2\">($300,000 combined with a </span>spouse), or a net worth of over $5 million to get into private capital markets. Now anybody can invest up to $10,000 annu<span class=\"s1\">ally—and so-called “eligible in</span>vestors”<span class=\"Apple-converted-space\">  </span>can invest up to $30,000 provided they have $75,000 of personal income in the past two years ($125,000 combined with a spouse), or $400,000 in total net assets. Want an even bigger piece of the action? Eligible investors who <span class=\"s2\">obtain suitability advice from </span>a licensed exempt market pro<span class=\"s2\">fessional can invest up to </span>$100,000 every year.</p>\n<p class=\"p2\">To be sure, the private capital market is appealing for those seeking out unique investments like green energy or private equity. There are also more conventional investment options like mortgages and real estate—but with the potential to earn higher returns since costs involved with raising private capital are lower.</p>\n<p class=\"p2\">Less desirable, however, is the fact that private investments aren’t always as transparent as publicly traded securities. And they may be less liquid, require holding periods or have little secondary market for selling.</p>\n<p class=\"p2\">Few investors will hear about private capital market investments from their advisors, who may not be licensed or approved to offer them. But that’s probably a good thing, since many investors would be ill-suited for these products. Only seasoned investors with diversified core portfolios should consider exploring what they have to offer. There’s no requirement for eligible investors to obtain suitability advice, but they should get advice from an exempt market professional.</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/investing-in-private-capital-markets/\">Be wary of private capital markets</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Be wary of private capital markets','<p>Average investors now have options previously restricted to the rich&mdash;with all the risks</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/investing-in-private-capital-markets/\">Be wary of private capital markets</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','599-revision-v1','','','2016-03-18 08:00:20','2016-03-18 12:00:20','',599,'http://feedwordpress.radgeek.com/?rev=f5e44a42b5178275af1a7c45456618be',0,'revision','',0),(606,1,'2016-03-18 11:37:17','2016-03-18 15:37:17','<p>TORONTO – Ontario’s minimum wage will increase from $11.25 an hour to $11.40 an hour starting Oct. 1.</p>\n<p>The minimum wage for liquor servers will increase by 10 cents to $9.90 an hour in the fall.</p>\n<p>The minimum wage for students under 18 working less than 28 hours a week will increase to $10.70 per hour from $10.55 at the same time.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/how-to-ask-for-a-raise/\">How to ask for a raise » </a></p>\n<p>People who work in their own homes for an employer will see their minimum wage increase from $12.40 to $12.55 an hour.</p>\n<p>The province announces the new minimum wage before April 1 each year to give businesses time to adjust before it takes effect six months later.</p>\n<p>The government passed legislation in 2014 to tie annual increases in the minimum wage to the rate of inflation for Ontario.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/ontario-minimum-wage-to-rise-to-11-40-starting-oct-1/\">Ontario minimum wage to rise to $11.40 starting Oct. 1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Ontario minimum wage to rise to $11.40 starting Oct. 1','<p>Students will earn $10.70 per hour rather than $10.55 </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/ontario-minimum-wage-to-rise-to-11-40-starting-oct-1/\">Ontario minimum wage to rise to $11.40 starting Oct. 1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-18 11:37:17','2016-03-18 15:37:17','',0,'http://www.moneysense.ca/?p=150214',0,'post','',0),(607,1,'2016-03-18 11:37:17','2016-03-18 15:37:17','<p>TORONTO – Ontario’s minimum wage will increase from $11.25 an hour to $11.40 an hour starting Oct. 1.</p>\n<p>The minimum wage for liquor servers will increase by 10 cents to $9.90 an hour in the fall.</p>\n<p>The minimum wage for students under 18 working less than 28 hours a week will increase to $10.70 per hour from $10.55 at the same time.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/how-to-ask-for-a-raise/\">How to ask for a raise » </a></p>\n<p>People who work in their own homes for an employer will see their minimum wage increase from $12.40 to $12.55 an hour.</p>\n<p>The province announces the new minimum wage before April 1 each year to give businesses time to adjust before it takes effect six months later.</p>\n<p>The government passed legislation in 2014 to tie annual increases in the minimum wage to the rate of inflation for Ontario.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/ontario-minimum-wage-to-rise-to-11-40-starting-oct-1/\">Ontario minimum wage to rise to $11.40 starting Oct. 1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Ontario minimum wage to rise to $11.40 starting Oct. 1','<p>Students will earn $10.70 per hour rather than $10.55 </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/ontario-minimum-wage-to-rise-to-11-40-starting-oct-1/\">Ontario minimum wage to rise to $11.40 starting Oct. 1</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','606-revision-v1','','','2016-03-18 11:37:17','2016-03-18 15:37:17','',606,'http://feedwordpress.radgeek.com/?rev=4750d08e58802406b7d7e707665eac69',0,'revision','',0),(608,1,'2016-03-17 14:44:49','2016-03-17 18:44:49','\n        <meta itemprop=\"duration\" content=\"PT10M43S\" />\n        <meta itemprop=\"thumbnailUrl\" content=\"http://www.moneysense.ca/wp-content/uploads/2016/03/WTB-Calgary_401-150x150.jpg\" />\n        <meta itemprop=\"name\" content=\"Calgary neighbourhoods on the upswing\" />\n        <meta itemprop=\"description\" content=\"These low-priced &amp; undervalued &#039;hoods are the city&#039;s best bets\" />\n        <meta itemprop=\"uploadDate\" content=\"2016-03-17T22:44:49+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=\"myExperience4805676853001\" 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=\"4805676853001\" />\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/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\" />\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>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\">Calgary neighbourhoods on the upswing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Calgary neighbourhoods on the upswing','<p>These low-priced &amp; undervalued \'hoods are the city\'s best bets</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2016-calgary-neighbourhoods-on-the-upswing/\">Calgary neighbourhoods on the upswing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','569-revision-v1','','','2016-03-17 14:44:49','2016-03-17 18:44:49','',569,'http://feedwordpress.radgeek.com/?rev=7f20e1265d8991a10544871420b90279',0,'revision','',0),(609,1,'2016-03-18 15:15:59','2016-03-18 19:15:59','<p><a href=\"http://moneysense.ca/tag/budget-2016/\"><img class=\"alignnone wp-image-150316 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg\" alt=\"Budget 2016 banner V2\" width=\"885\" height=\"300\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-300x102.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-768x260.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-660x224.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg 885w\" sizes=\"(max-width: 885px) 100vw, 885px\" /></a><br />\n<span style=\"font-weight: 400;\">With a sluggish economy as a backdrop and election promises fresh in our minds, the nation is about to get its first glimpse into the fiscal priorities of the newly elected Liberal government. At <em><a href=\"http://www.canadianbusiness.com/\" >Canadian Business</a></em>,</span> Mike Moffat, assistant professor in the Business, Economics and Public Policy (BEPP) group at the Ivey Business School, highlighted <a href=\"http://www.canadianbusiness.com/economy/eight-things-to-watch-for-in-the-budget-beyond-the-deficits-size/\" >eight things he&#8217;ll be on the look out for in this Tuesday’s Budget</a>. Among them: A simplification of the <em>Income Tax Act</em>, a <a href=\"http://www.canadianbusiness.com/blogs-and-comment/a-fast-and-cheap-way-to-stimulate-the-economy-a-food-rebate/\" >food rebate program</a> for low-income families and a possible guaranteed income program, much like the one recently announced in the Ontario budget. He writes:</p>\n<blockquote><p><span style=\"font-weight: 400;\">The Ontario budget contained a clause committing to a </span><a href=\"http://www.cbc.ca/news/canada/windsor/charles-sousa-guaranteed-income-1.3490107\"><span style=\"font-weight: 400;\">basic income pilot</span></a><span style=\"font-weight: 400;\"> and it is possible that the federal government </span><a href=\"http://www.cbc.ca/news/politics/guaranteed-minimum-income-merits-further-study-pre-budget-report-says-1.3490157\"><span style=\"font-weight: 400;\">may consider the same</span></a><span style=\"font-weight: 400;\">. I am </span><a href=\"https://www.eventbrite.ca/e/basic-income-a-deeper-look-an-oxford-style-debate-tickets-21833801488\"><span style=\"font-weight: 400;\">highly skeptical</span></a><span style=\"font-weight: 400;\"> of many of the proposals floated by proponents of a Guaranteed Minimum Income, so I will be looking to see if the federal government is considering moving in this direction</span></p></blockquote>\n<p>Already, a few personal finance promises have been announced, including Thursday&#8217;s pledge to restore Old Age Security eligibility to 65 years old. But taxpayers can expect many more changes and announcements to be released in Tuesday&#8217;s budget. In particular, here are four issues we&#8217;ll be looking for that could impact your pocketbook:</p>\n<ol>\n<li>\n<h3><b>More income and investment changes</b></h3>\n</li>\n</ol>\n<p><span style=\"font-weight: 400;\">As promised, the Liberals have already made changes to the federal income tax brackets. Starting 2016, the middle income tax bracket dropped from 22% to 20.5%. Those who earn between $45,282 and $216,987 will pay less tax. However, those earning upwards of that can expect to pay more income tax, with the introduction of a new 33% tax bracket for income over $200,000. As well, the Liberals&#8217;</span> reduction of the TFSA contribution limit, from $10,000 to $5,500 annually, took effect on Jan. 1, 2016.</p>\n<p>However, those counting on a boost to their income from stock options will need to pay particular attention to this upcoming budget, as the Liberals have hinted at possible changes. One change: a cap on the favourable tax treatment of stock options. At present, investors and employees are taxed on 50% of the gains of stock options. Budget 2016 could see introduce a cap of $100,000 on this favourable tax treatment of stock options, with the remaining gains taxed as ordinary income.</p>\n<p>Investors who&#8217;ve come to rely on investments with favourably taxed capital gains may be in for a shock. There have been rumours the Liberals could increase the percentage of the gain that&#8217;s taxed at your marginal rate. At present, only 50% of any capital gains on an investment are taxed at your marginal tax rate. After this budget, as much as two-thirds or three-quarters of the profit could be taxed at your marginal tax rate.</p>\n<ol start=\"2\">\n<li>\n<h3><b>Increased flexibility with parental benefits</b></h3>\n</li>\n</ol>\n<p><span style=\"font-weight: 400;\">We already know that starting in July 2016, the Universal Child Care Benefit (UCCB) and the Canada Child Tax Benefit (CCTB) will be replaced with one non-taxable Canada Child Benefit. However, we should expect to get more details in the budget documents. A major question</span> is whether or not the Liberals will make good on their promise to create a more flexible parental benefits plan, that includes up to 18 months of time off to care for an infant (six months of which would be unpaid).</p>\n<ol start=\"3\">\n<li>\n<h3><b>A boost to guaranteed income for seniors</b></h3>\n</li>\n</ol>\n<p><span style=\"font-weight: 400;\">During the 2015 election, the Liberals pledged to restore Old Age Security eligibility to age 65. This was in response to the Conservative government’s decision to increase the age of eligibility to 67, for those born after 1958. On Thursday, Prime Minister Justin Trudeau confirmed that the Liberals are keeping the old retirement age at 65.  </span>Other items to look out for this budget include: a potential increase of 10% to the Guaranteed Income Supplement (GIS) for low-income seniors as well as indexing senior benefits (such as the GIS) to inflation as well as a promise to expand compassionate care benefits to family members caring for sick or aging relatives.</p>\n<ol start=\"4\">\n<li>\n<h3><b>An expansion of the Home Buyers&#8217; Plan</b></h3>\n</li>\n</ol>\n<p><span style=\"font-weight: 400;\">In the weeks and days leading up to Budget 2016, tax experts have begun to suspect some announcement on the Liberals promise to </span><a href=\"http://www.moneysense.ca/spend/real-estate/liberal-win-good-for-first-time-home-buyers-investors/\"><span style=\"font-weight: 400;\">loosen the requirements</span></a><span style=\"font-weight: 400;\"> of the Home Buyers’ Plan (HBP). The initial promise was to open up the plan beyond first-time homebuyers to allow Canadians to use the HBP when dealing with life events such as work relocation, divorce or the death of a spouse. </span>Another way the Liberals may be able to help home buyers, particularly in potentially overheated markets like Toronto and Vancouver, is to announce more in depth data collection and analysis of the real estate marketplace.</p>\n<h3>And more to come&#8230;</h3>\n<p><em>MoneySense</em> will be on Parliament Hill for Budget 2016 on Tuesday and available to answer your personal finance questions afterward. Join us live immediately following the announcement at <a href=\"http://www.moneysense.ca/\" >moneysense.ca</a>.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-things-to-expect-from-the-upcoming-federal-budget/\">4 things to expect from Budget 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','4 things to expect from Budget 2016','<p>Seniors, families and homebuyers appear to have the most to gain in Budget 2016, but investors could take a hit</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-things-to-expect-from-the-upcoming-federal-budget/\">4 things to expect from Budget 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-18 15:15:59','2016-03-18 19:15:59','',0,'http://www.moneysense.ca/?p=150222',0,'post','',0),(610,1,'2016-03-18 15:15:59','2016-03-18 19:15:59','<p><a href=\"http://moneysense.ca/tag/budget-2016/\"><img class=\"alignnone wp-image-150316 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg\" alt=\"Budget 2016 banner V2\" width=\"885\" height=\"300\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-300x102.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-768x260.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-660x224.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg 885w\" sizes=\"(max-width: 885px) 100vw, 885px\" /></a><br />\n<span style=\"font-weight: 400;\">With a sluggish economy as a backdrop and election promises fresh in our minds, the nation is about to get its first glimpse into the fiscal priorities of the newly elected Liberal government. At <em><a href=\"http://www.canadianbusiness.com/\" >Canadian Business</a></em>,</span> Mike Moffat, assistant professor in the Business, Economics and Public Policy (BEPP) group at the Ivey Business School, highlighted <a href=\"http://www.canadianbusiness.com/economy/eight-things-to-watch-for-in-the-budget-beyond-the-deficits-size/\" >eight things he&#8217;ll be on the look out for in this Tuesday’s Budget</a>. Among them: A simplification of the <em>Income Tax Act</em>, a <a href=\"http://www.canadianbusiness.com/blogs-and-comment/a-fast-and-cheap-way-to-stimulate-the-economy-a-food-rebate/\" >food rebate program</a> for low-income families and a possible guaranteed income program, much like the one recently announced in the Ontario budget. He writes:</p>\n<blockquote><p><span style=\"font-weight: 400;\">The Ontario budget contained a clause committing to a </span><a href=\"http://www.cbc.ca/news/canada/windsor/charles-sousa-guaranteed-income-1.3490107\"><span style=\"font-weight: 400;\">basic income pilot</span></a><span style=\"font-weight: 400;\"> and it is possible that the federal government </span><a href=\"http://www.cbc.ca/news/politics/guaranteed-minimum-income-merits-further-study-pre-budget-report-says-1.3490157\"><span style=\"font-weight: 400;\">may consider the same</span></a><span style=\"font-weight: 400;\">. I am </span><a href=\"https://www.eventbrite.ca/e/basic-income-a-deeper-look-an-oxford-style-debate-tickets-21833801488\"><span style=\"font-weight: 400;\">highly skeptical</span></a><span style=\"font-weight: 400;\"> of many of the proposals floated by proponents of a Guaranteed Minimum Income, so I will be looking to see if the federal government is considering moving in this direction</span></p></blockquote>\n<p>Already, a few personal finance promises have been announced, including Thursday&#8217;s pledge to restore Old Age Security eligibility to 65 years old. But taxpayers can expect many more changes and announcements to be released in Tuesday&#8217;s budget. In particular, here are four issues we&#8217;ll be looking for that could impact your pocketbook:</p>\n<ol>\n<li>\n<h3><b>More income and investment changes</b></h3>\n</li>\n</ol>\n<p><span style=\"font-weight: 400;\">As promised, the Liberals have already made changes to the federal income tax brackets. Starting 2016, the middle income tax bracket dropped from 22% to 20.5%. Those who earn between $45,282 and $216,987 will pay less tax. However, those earning upwards of that can expect to pay more income tax, with the introduction of a new 33% tax bracket for income over $200,000. As well, the Liberals&#8217;</span> reduction of the TFSA contribution limit, from $10,000 to $5,500 annually, took effect on Jan. 1, 2016.</p>\n<p>However, those counting on a boost to their income from stock options will need to pay particular attention to this upcoming budget, as the Liberals have hinted at possible changes. One change: a cap on the favourable tax treatment of stock options. At present, investors and employees are taxed on 50% of the gains of stock options. Budget 2016 could see introduce a cap of $100,000 on this favourable tax treatment of stock options, with the remaining gains taxed as ordinary income.</p>\n<p>Investors who&#8217;ve come to rely on investments with favourably taxed capital gains may be in for a shock. There have been rumours the Liberals could increase the percentage of the gain that&#8217;s taxed at your marginal rate. At present, only 50% of any capital gains on an investment are taxed at your marginal tax rate. After this budget, as much as two-thirds or three-quarters of the profit could be taxed at your marginal tax rate.</p>\n<ol start=\"2\">\n<li>\n<h3><b>Increased flexibility with parental benefits</b></h3>\n</li>\n</ol>\n<p><span style=\"font-weight: 400;\">We already know that starting in July 2016, the Universal Child Care Benefit (UCCB) and the Canada Child Tax Benefit (CCTB) will be replaced with one non-taxable Canada Child Benefit. However, we should expect to get more details in the budget documents. A major question</span> is whether or not the Liberals will make good on their promise to create a more flexible parental benefits plan, that includes up to 18 months of time off to care for an infant (six months of which would be unpaid).</p>\n<ol start=\"3\">\n<li>\n<h3><b>A boost to guaranteed income for seniors</b></h3>\n</li>\n</ol>\n<p><span style=\"font-weight: 400;\">During the 2015 election, the Liberals pledged to restore Old Age Security eligibility to age 65. This was in response to the Conservative government’s decision to increase the age of eligibility to 67, for those born after 1958. On Thursday, Prime Minister Justin Trudeau confirmed that the Liberals are keeping the old retirement age at 65.  </span>Other items to look out for this budget include: a potential increase of 10% to the Guaranteed Income Supplement (GIS) for low-income seniors as well as indexing senior benefits (such as the GIS) to inflation as well as a promise to expand compassionate care benefits to family members caring for sick or aging relatives.</p>\n<ol start=\"4\">\n<li>\n<h3><b>An expansion of the Home Buyers&#8217; Plan</b></h3>\n</li>\n</ol>\n<p><span style=\"font-weight: 400;\">In the weeks and days leading up to Budget 2016, tax experts have begun to suspect some announcement on the Liberals promise to </span><a href=\"http://www.moneysense.ca/spend/real-estate/liberal-win-good-for-first-time-home-buyers-investors/\"><span style=\"font-weight: 400;\">loosen the requirements</span></a><span style=\"font-weight: 400;\"> of the Home Buyers’ Plan (HBP). The initial promise was to open up the plan beyond first-time homebuyers to allow Canadians to use the HBP when dealing with life events such as work relocation, divorce or the death of a spouse. </span>Another way the Liberals may be able to help home buyers, particularly in potentially overheated markets like Toronto and Vancouver, is to announce more in depth data collection and analysis of the real estate marketplace.</p>\n<h3>And more to come&#8230;</h3>\n<p><em>MoneySense</em> will be on Parliament Hill for Budget 2016 on Tuesday and available to answer your personal finance questions afterward. Join us live immediately following the announcement at <a href=\"http://www.moneysense.ca/\" >moneysense.ca</a>.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-things-to-expect-from-the-upcoming-federal-budget/\">4 things to expect from Budget 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','4 things to expect from Budget 2016','<p>Seniors, families and homebuyers appear to have the most to gain in Budget 2016, but investors could take a hit</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-things-to-expect-from-the-upcoming-federal-budget/\">4 things to expect from Budget 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','609-revision-v1','','','2016-03-18 15:15:59','2016-03-18 19:15:59','',609,'http://feedwordpress.radgeek.com/?rev=d7081cc06db4bce148cd3c89c931132a',0,'revision','',0),(611,1,'2016-03-18 17:58:10','2016-03-18 21:58:10','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT9M56S\" />\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=\"myExperience4807589081001\" 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=\"4807589081001\" />\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/real-estate/montreal-housing-offers-value-at-all-price-points/\" />\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/real-estate/montreal-housing-offers-value-at-all-price-points/\">Why Montreal housing offers value at all price points</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why Montreal housing offers value at all price points','<p>Low-end or high-end, these \'hoods are great buys</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/montreal-housing-offers-value-at-all-price-points/\">Why Montreal housing offers value at all price points</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-18 17:58:10','2016-03-18 21:58:10','',0,'http://www.moneysense.ca/?p=150334',0,'post','',0),(612,1,'2016-03-18 17:58:10','2016-03-18 21:58:10','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT9M56S\" />\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=\"myExperience4807589081001\" 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=\"4807589081001\" />\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/real-estate/montreal-housing-offers-value-at-all-price-points/\" />\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/real-estate/montreal-housing-offers-value-at-all-price-points/\">Why Montreal housing offers value at all price points</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why Montreal housing offers value at all price points','<p>Low-end or high-end, these \'hoods are great buys</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/montreal-housing-offers-value-at-all-price-points/\">Why Montreal housing offers value at all price points</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','611-revision-v1','','','2016-03-18 17:58:10','2016-03-18 21:58:10','',611,'http://feedwordpress.radgeek.com/?rev=5ccc3a2f389f39367fc9f0ae9a120471',0,'revision','',0),(613,1,'2016-03-19 23:32:34','2016-03-20 03:32:34','&nbsp;\r\n<div style=\"display: none;\"></div>\r\n<script src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\" type=\"text/javascript\"></script>\r\n<script src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\" type=\"text/javascript\"></script>\r\n\r\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\" width=\"300\" height=\"150\">    <param name=\"bgcolor\" value=\"#FFFFFF\" />    <param name=\"width\" value=\"640\" />    <param name=\"height\" value=\"360\" />    <param name=\"playerID\" value=\"2659807263001\" />    <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />    <param name=\"isVid\" value=\"true\" />    <param name=\"isUI\" value=\"true\" />    <param name=\"dynamicStreaming\" value=\"true\" />    <param name=\"includeAPI\" value=\"true\" />    <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />    <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />    <param name=\"@videoPlayer\" value=\"2025448020001\" />        <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\" />        <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" />    <param name=\"autoStart\" value=\"false\" />    <param name=\"wmode\" value=\"transparent\" /></object>\r\n\r\n<script type=\"text/javascript\">// <![CDATA[\r\nbrightcove.createExperiences();\r\n// ]]></script><br/>\r\n\r\nTORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.\r\n\r\nCurrent incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a>\r\n\r\nDrivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.\r\n\r\nBut for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.\r\n\r\nThis announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.\r\n\r\nThere are currently about 5,800 electric vehicles in Ontario.\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" rel=\"nofollow\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','343-revision-v1','','','2016-03-19 23:32:34','2016-03-20 03:32:34','',343,'http://www.l2ocredit.com/2016/03/19/343-revision-v1/',0,'revision','',0),(614,1,'2016-03-19 23:33:28','2016-03-20 03:33:28','<p style=\"text-align: center;\"></p>\r\n\r\n<div style=\"display: none;\"></div>\r\n<script src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\" type=\"text/javascript\"></script>\r\n<script src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\" type=\"text/javascript\"></script>\r\n\r\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\" width=\"300\" height=\"150\">    <param name=\"bgcolor\" value=\"#FFFFFF\" />    <param name=\"width\" value=\"640\" />    <param name=\"height\" value=\"360\" />    <param name=\"playerID\" value=\"2659807263001\" />    <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />    <param name=\"isVid\" value=\"true\" />    <param name=\"isUI\" value=\"true\" />    <param name=\"dynamicStreaming\" value=\"true\" />    <param name=\"includeAPI\" value=\"true\" />    <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />    <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />    <param name=\"@videoPlayer\" value=\"2025448020001\" />        <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\" />        <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" />    <param name=\"autoStart\" value=\"false\" />    <param name=\"wmode\" value=\"transparent\" /></object>\r\n\r\n<script type=\"text/javascript\">// <![CDATA[\r\nbrightcove.createExperiences();\r\n// ]]></script>\r\n\r\nTORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.\r\n\r\nCurrent incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a>\r\n\r\nDrivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.\r\n\r\nBut for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.\r\n\r\nThis announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.\r\n\r\nThere are currently about 5,800 electric vehicles in Ontario.\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" rel=\"nofollow\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','343-revision-v1','','','2016-03-19 23:33:28','2016-03-20 03:33:28','',343,'http://www.l2ocredit.com/2016/03/19/343-revision-v1/',0,'revision','',0),(615,1,'2016-03-19 23:33:53','2016-03-20 03:33:53','<div style=\"display: none;\"></div>\r\n<script src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\" type=\"text/javascript\"></script>\r\n<script src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\" type=\"text/javascript\"></script>\r\n\r\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\" width=\"300\" height=\"150\">    <param name=\"bgcolor\" value=\"#FFFFFF\" />    <param name=\"width\" value=\"640\" />    <param name=\"height\" value=\"360\" />    <param name=\"playerID\" value=\"2659807263001\" />    <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />    <param name=\"isVid\" value=\"true\" />    <param name=\"isUI\" value=\"true\" />    <param name=\"dynamicStreaming\" value=\"true\" />    <param name=\"includeAPI\" value=\"true\" />    <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />    <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />    <param name=\"@videoPlayer\" value=\"2025448020001\" />        <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\" />        <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" />    <param name=\"autoStart\" value=\"false\" />    <param name=\"wmode\" value=\"transparent\" /></object>\r\n\r\n<script type=\"text/javascript\">// <![CDATA[\r\nbrightcove.createExperiences();\r\n// ]]></script>\r\n\r\n&nbsp;\r\n\r\nTORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.\r\n\r\nCurrent incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a>\r\n\r\nDrivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.\r\n\r\nBut for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.\r\n\r\nThis announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.\r\n\r\nThere are currently about 5,800 electric vehicles in Ontario.\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" rel=\"nofollow\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','343-revision-v1','','','2016-03-19 23:33:53','2016-03-20 03:33:53','',343,'http://www.l2ocredit.com/2016/03/19/343-revision-v1/',0,'revision','',0),(616,1,'2016-03-19 23:54:48','2016-03-20 03:54:48','<div style=\"display: none;\"></div>\r\n<p><script src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\" type=\"text/javascript\"></script>\r\n<script src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\" type=\"text/javascript\"></script>\r\n\r\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\" width=\"300\" height=\"150\">    <param name=\"bgcolor\" value=\"#FFFFFF\" />    <param name=\"width\" value=\"640\" />    <param name=\"height\" value=\"360\" />    <param name=\"playerID\" value=\"2659807263001\" />    <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />    <param name=\"isVid\" value=\"true\" />    <param name=\"isUI\" value=\"true\" />    <param name=\"dynamicStreaming\" value=\"true\" />    <param name=\"includeAPI\" value=\"true\" />    <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />    <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />    <param name=\"@videoPlayer\" value=\"2025448020001\" />        <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\" />        <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" />    <param name=\"autoStart\" value=\"false\" />    <param name=\"wmode\" value=\"transparent\" /></object>\r\n\r\n<script type=\"text/javascript\">// <![CDATA[\r\nbrightcove.createExperiences();\r\n// ]]></script></p>\r\n\r\n&nbsp;\r\n\r\n<p>TORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.\r\n\r\nCurrent incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a>\r\n\r\nDrivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.\r\n\r\nBut for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.\r\n\r\nThis announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.\r\n\r\nThere are currently about 5,800 electric vehicles in Ontario.\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" rel=\"nofollow\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.</p>','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','343-revision-v1','','','2016-03-19 23:54:48','2016-03-20 03:54:48','',343,'http://www.l2ocredit.com/2016/03/19/343-revision-v1/',0,'revision','',0),(617,1,'2016-03-19 23:55:40','2016-03-20 03:55:40','<div style=\"display: none;\"></div>\r\n&nbsp;\r\n\r\n<script src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\" type=\"text/javascript\"></script>\r\n<script src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\" type=\"text/javascript\"></script>\r\n\r\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\" width=\"300\" height=\"150\">    <param name=\"bgcolor\" value=\"#FFFFFF\" />    <param name=\"width\" value=\"640\" />    <param name=\"height\" value=\"360\" />    <param name=\"playerID\" value=\"2659807263001\" />    <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />    <param name=\"isVid\" value=\"true\" />    <param name=\"isUI\" value=\"true\" />    <param name=\"dynamicStreaming\" value=\"true\" />    <param name=\"includeAPI\" value=\"true\" />    <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />    <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />    <param name=\"@videoPlayer\" value=\"2025448020001\" />        <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\" />        <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" />    <param name=\"autoStart\" value=\"false\" />    <param name=\"wmode\" value=\"transparent\" /></object>\r\n\r\n<script type=\"text/javascript\">// <![CDATA[\r\nbrightcove.createExperiences();\r\n// ]]></script>\r\n\r\n&nbsp;\r\n\r\nTORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.\r\n\r\nCurrent incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a>\r\n\r\nDrivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.\r\n\r\nBut for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.\r\n\r\nThis announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.\r\n\r\nThere are currently about 5,800 electric vehicles in Ontario.\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" rel=\"nofollow\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','343-revision-v1','','','2016-03-19 23:55:40','2016-03-20 03:55:40','',343,'http://www.l2ocredit.com/2016/03/19/343-revision-v1/',0,'revision','',0),(618,1,'2016-03-19 23:57:03','2016-03-20 03:57:03','<div style=\"display: none;\"></div>\r\n<p>&nbsp;</p>\r\n\r\n<p><script src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\" type=\"text/javascript\"></script>\r\n<script src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\" type=\"text/javascript\"></script>\r\n\r\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\" width=\"300\" height=\"150\">    <param name=\"bgcolor\" value=\"#FFFFFF\" />    <param name=\"width\" value=\"640\" />    <param name=\"height\" value=\"360\" />    <param name=\"playerID\" value=\"2659807263001\" />    <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />    <param name=\"isVid\" value=\"true\" />    <param name=\"isUI\" value=\"true\" />    <param name=\"dynamicStreaming\" value=\"true\" />    <param name=\"includeAPI\" value=\"true\" />    <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />    <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />    <param name=\"@videoPlayer\" value=\"2025448020001\" />        <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\" />        <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" />    <param name=\"autoStart\" value=\"false\" />    <param name=\"wmode\" value=\"transparent\" /></object>\r\n\r\n<script type=\"text/javascript\">// <![CDATA[\r\nbrightcove.createExperiences();\r\n// ]]></script></p>\r\n\r\n&nbsp;\r\n\r\nTORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.\r\n\r\nCurrent incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a>\r\n\r\nDrivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.\r\n\r\nBut for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.\r\n\r\nThis announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.\r\n\r\nThere are currently about 5,800 electric vehicles in Ontario.\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" rel=\"nofollow\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','343-revision-v1','','','2016-03-19 23:57:03','2016-03-20 03:57:03','',343,'http://www.l2ocredit.com/2016/03/19/343-revision-v1/',0,'revision','',0),(619,1,'2016-03-18 15:15:59','2016-03-18 19:15:59','<p><a href=\"http://moneysense.ca/tag/budget-2016/\"><img class=\"alignnone wp-image-150316 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg\" alt=\"Budget 2016 banner V2\" width=\"885\" height=\"300\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-300x102.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-768x260.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-660x224.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg 885w\" sizes=\"(max-width: 885px) 100vw, 885px\" /></a><br />\n<span style=\"font-weight: 400;\">With a sluggish economy as a backdrop and election promises fresh in our minds, the nation is about to get its first glimpse into the fiscal priorities of the newly elected Liberal government. At <em><a href=\"http://www.canadianbusiness.com/\" >Canadian Business</a></em>,</span> Mike Moffat, assistant professor in the Business, Economics and Public Policy (BEPP) group at the Ivey Business School, highlighted <a href=\"http://www.canadianbusiness.com/economy/eight-things-to-watch-for-in-the-budget-beyond-the-deficits-size/\" >eight things he&#8217;ll be on the look out for in this Tuesday’s Budget</a>. Among them: A simplification of the <em>Income Tax Act</em>, a <a href=\"http://www.canadianbusiness.com/blogs-and-comment/a-fast-and-cheap-way-to-stimulate-the-economy-a-food-rebate/\" >food rebate program</a> for low-income families and a possible guaranteed income program, much like the one recently announced in the Ontario budget. He writes:</p>\n<blockquote><p><span style=\"font-weight: 400;\">The Ontario budget contained a clause committing to a </span><a href=\"http://www.cbc.ca/news/canada/windsor/charles-sousa-guaranteed-income-1.3490107\"><span style=\"font-weight: 400;\">basic income pilot</span></a><span style=\"font-weight: 400;\"> and it is possible that the federal government </span><a href=\"http://www.cbc.ca/news/politics/guaranteed-minimum-income-merits-further-study-pre-budget-report-says-1.3490157\"><span style=\"font-weight: 400;\">may consider the same</span></a><span style=\"font-weight: 400;\">. I am </span><a href=\"https://www.eventbrite.ca/e/basic-income-a-deeper-look-an-oxford-style-debate-tickets-21833801488\"><span style=\"font-weight: 400;\">highly skeptical</span></a><span style=\"font-weight: 400;\"> of many of the proposals floated by proponents of a Guaranteed Minimum Income, so I will be looking to see if the federal government is considering moving in this direction</span></p></blockquote>\n<p>Already, a few personal finance promises have been announced, including Thursday&#8217;s pledge to restore Old Age Security eligibility to 65 years old. But taxpayers can expect many more changes and announcements to be released in Tuesday&#8217;s budget. In particular, here are four issues we&#8217;ll be looking for that could impact your pocketbook:</p>\n<h3><b>1. More income and investment changes</b></h3>\n<p><span style=\"font-weight: 400;\">As promised, the Liberals have already made changes to the federal income tax brackets. Starting 2016, the middle income tax bracket dropped from 22% to 20.5%. Those who earn between $45,282 and $216,987 will pay less tax. However, those earning upwards of that can expect to pay more income tax, with the introduction of a new 33% tax bracket for income over $200,000. As well, the Liberals&#8217;</span> reduction of the TFSA contribution limit, from $10,000 to $5,500 annually, took effect on Jan. 1, 2016.</p>\n<p>However, those counting on a boost to their income from stock options will need to pay particular attention to this upcoming budget, as the Liberals have hinted at possible changes. One change: a cap on the favourable tax treatment of stock options. At present, investors and employees are taxed on 50% of the gains of stock options. Budget 2016 could see introduce a cap of $100,000 on this favourable tax treatment of stock options, with the remaining gains taxed as ordinary income.</p>\n<p>Investors who&#8217;ve come to rely on investments with favourably taxed capital gains may be in for a shock. <a href=\"http://www.moneysense.ca/news/prepare-for-a-possible-increase-in-capital-gains-taxes/\" >There have been rumours the Liberals could increase the percentage of the gain that&#8217;s taxed at your marginal rate.</a> At present, only 50% of any capital gains on an investment are taxed at your marginal tax rate. After this budget, as much as two-thirds or three-quarters of the profit could be taxed at your marginal tax rate.</p>\n<h3><b>2. Increased flexibility with parental benefits</b></h3>\n<p><span style=\"font-weight: 400;\">We already know that starting in July 2016, the Universal Child Care Benefit (UCCB) and the Canada Child Tax Benefit (CCTB) will be replaced with one non-taxable Canada Child Benefit. However, we should expect to get more details in the budget documents. A major question</span> is whether or not the Liberals will make good on their promise to create a more flexible parental benefits plan, that includes up to 18 months of time off to care for an infant (six months of which would be unpaid).</p>\n<h3><b>3. A boost to guaranteed income for seniors</b></h3>\n<p><span style=\"font-weight: 400;\">During the 2015 election, the Liberals pledged to restore Old Age Security eligibility to age 65. This was in response to the Conservative government’s decision to increase the age of eligibility to 67, for those born after 1958. On Thursday, Prime Minister Justin Trudeau confirmed that the Liberals are keeping the old retirement age at 65. </span>Other items to look out for this budget include: a potential increase of 10% to the Guaranteed Income Supplement (GIS) for low-income seniors as well as indexing senior benefits (such as the GIS) to inflation as well as a promise to expand compassionate care benefits to family members caring for sick or aging relatives.</p>\n<h3><b>4. An expansion of the Home Buyers&#8217; Plan</b></h3>\n<p><span style=\"font-weight: 400;\">In the weeks and days leading up to Budget 2016, tax experts have begun to suspect some announcement on the Liberals promise to </span><a href=\"http://www.moneysense.ca/spend/real-estate/liberal-win-good-for-first-time-home-buyers-investors/\"><span style=\"font-weight: 400;\">loosen the requirements</span></a><span style=\"font-weight: 400;\"> of the Home Buyers’ Plan (HBP). The initial promise was to open up the plan beyond first-time homebuyers to allow Canadians to use the HBP when dealing with life events such as work relocation, divorce or the death of a spouse. </span>Another way the Liberals may be able to help home buyers, particularly in potentially overheated markets like Toronto and Vancouver, is to announce more in-depth data collection and analysis of the real estate marketplace.</p>\n<h3>And more to come&#8230;</h3>\n<p><em>MoneySense</em> will be on Parliament Hill for Budget 2016 on Tuesday and available to answer your personal finance questions afterward. Join us live immediately following the announcement at <a href=\"http://www.moneysense.ca/\" >moneysense.ca</a>.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-things-to-expect-from-the-upcoming-federal-budget/\">4 things to expect from Budget 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','4 things to expect from Budget 2016','<p>Seniors, families and homebuyers appear to have the most to gain in Budget 2016, but investors could take a hit</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-things-to-expect-from-the-upcoming-federal-budget/\">4 things to expect from Budget 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','609-revision-v1','','','2016-03-18 15:15:59','2016-03-18 19:15:59','',609,'http://feedwordpress.radgeek.com/?rev=6ef1213a291975b8841d42a371cf20b5',0,'revision','',0),(620,1,'2016-03-21 00:45:06','2016-03-21 04:45:06','','Motormouth Canada','','publish','closed','closed','','motormouth-canada','','','2016-03-21 00:53:12','2016-03-21 04:53:12','',0,'http://www.l2ocredit.com/yvi_yt_playlist/motormouth-canada/',0,'yvi_yt_playlist','',0),(621,1,'2016-03-21 00:48:36','2016-03-21 04:48:36','','Cameron\'s Car Reviews','','publish','closed','closed','','camerons-car-reviews','','','2016-03-21 00:52:48','2016-03-21 04:52:48','',0,'http://www.l2ocredit.com/yvi_yt_playlist/camerons-car-reviews/',0,'yvi_yt_playlist','',0),(622,1,'2016-03-21 00:49:39','2016-03-21 04:49:39','','Kelley Blue Book','','publish','closed','closed','','kelley-blue-book','','','2016-03-21 00:51:34','2016-03-21 04:51:34','',0,'http://www.l2ocredit.com/yvi_yt_playlist/kelley-blue-book/',0,'yvi_yt_playlist','',0),(623,1,'2016-03-21 00:54:50','2016-03-21 04:54:50','','AutoGuide.com','','publish','closed','closed','','autoguide-com','','','2016-03-21 00:56:24','2016-03-21 04:56:24','',0,'http://www.l2ocredit.com/yvi_yt_playlist/autoguide-com/',0,'yvi_yt_playlist','',0),(624,1,'2016-03-21 00:57:14','2016-03-21 04:57:14','','MotoManTV','','publish','closed','closed','','motomantv','','','2016-03-21 00:58:44','2016-03-21 04:58:44','',0,'http://www.l2ocredit.com/yvi_yt_playlist/motomantv/',0,'yvi_yt_playlist','',0),(625,1,'2016-03-14 00:30:15','2016-03-14 00:30:15','The Hyundai Elantra is a compact car with seating for 5-passengers. This new 2017 Hyundai Elantra gets new interior technology and convenience features plus advanced safety features. Styling has been updated for the 2017 Hyundai Elantra making it look in keeping with other Hyundai products. The Elantra uses the same platform as the Kia Forte. This Korean company is building some very good cars but is it better than the award winning Honda Civic?\nCompetitors to the Hyundai Elantra are the Honda Civic, the Toyota Corolla, Ford Focus, Ford Fiesta, Kia Soul, Nissan Versa, Chevy Sonic, Chevrolet Sonic, Kia Rio, Honda Fit, Honda HR-V, Toyota Yaris, Chevy Spark, Chevrolet Spark, Chevy Cruze, Chevrolet Cruze, also the Kia Forte, VW Jetta, VW Golf, Volkswagen Jetta, Volkswagen Golf, Dodge Dart, Hyundai Accent, maybe the Hyundai Elantra, Nissan Sentra, Fiat 500, Fiat 500X, Mazda3, Mazda2, Mazda6, Scion iM and Mitsubishi Lancer.\n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','2017 Hyundai Elantra review. 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Or is it? Join KBB’s Micah Muzio to find out. \n\nFor the latest Honda Civic pricing and information:\nhttp://www.kbb.com/honda/civic/2016/\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, and comparison tests. 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 Honda Civic - Review and Road Test','','publish','open','open','','2016-honda-civic-review-and-road-test','','','2016-03-14 10:00:01','2016-03-14 10:00:01','',0,'http://www.l2ocredit.com/2016/03/14/2016-honda-civic-review-and-road-test/',0,'post','',0),(637,0,'2016-03-21 02:45:10','2016-03-21 06:45:10','','2016 Honda Civic &#8211; Review and Road Test','','inherit','open','closed','','2016-honda-civic-review-and-road-test-2','','','2016-03-21 02:45:10','2016-03-21 06:45:10','',636,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-honda-civic-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(638,1,'2016-03-16 20:30:01','2016-03-16 20:30:01','Listen to that supercharger whine in the 640-HP 2017 Chevrolet Camaro ZL1.\nWatch as AutoGuide features editor Sami Haj-Assaad gets a hot lap in the ZL1 at Spring Mountain Motorsports Ranch outside Las Vegas.\n\nRead More: http://www.autoguide.com/auto-news/2016/03/join-us-for-a-hot-lap-in-the-2017-chevrolet-camaro-zl1.html\nSubscribe\nhttp://www.youtube.com/subscription_c...\n\nYouTube - http://www.youtube.com/user/Autoguide...\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.','2017 Chevrolet Camaro ZL1 Hot Lap','','publish','open','open','','2017-chevrolet-camaro-zl1-hot-lap','','','2016-03-16 20:30:01','2016-03-16 20:30:01','',0,'http://www.l2ocredit.com/2016/03/16/2017-chevrolet-camaro-zl1-hot-lap/',0,'post','',0),(639,0,'2016-03-21 03:00:32','2016-03-21 07:00:32','','2017 Chevrolet Camaro ZL1 Hot Lap','','inherit','open','closed','','2017-chevrolet-camaro-zl1-hot-lap-2','','','2016-03-21 03:00:32','2016-03-21 07:00:32','',638,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-chevrolet-camaro-zl1-hot-lap-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(640,0,'2016-03-21 03:00:32','2016-03-21 07:00:32','','2017 Chevrolet Camaro ZL1 Hot Lap','','inherit','open','closed','','2017-chevrolet-camaro-zl1-hot-lap-3','','','2016-03-21 03:00:32','2016-03-21 07:00:32','',638,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-chevrolet-camaro-zl1-hot-lap-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(641,1,'2016-03-19 13:00:01','2016-03-19 13:00:01','MotoMan is joined by friend of the show and serious race-car driver, Emme Hall, as they drive the 2016 MINI Cooper S Convertible. Along the ridge of the Santa Monica mountains they demonstrate the engineering and driving dynamics that go into transforming the all new MINI Cooper S into a convertible. As things progress, they debate the nuances of the 2016 MINI convertible as well as a raft of other topics . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nDownload our MotoManTV App!\n\niTunes/iOS:\nhttps://itunes.apple.com/us/app/motomantv/id1049061634?mt=8\n\nGoogle Play/Android: https://play.google.com/store/apps/details?id=com.openpath.motoman&amp;hl=en\n\nTWICE A WEEK, MotoMan you on car guy adventures like going behind the scenes and hands on at factories, design studios and race tracks to unique driving experiences – everything from the latest cars to military prototype vehicles.\n\nEACH 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\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nCheck out our MINI Playlist:\nhttps://www.youtube.com/playlist?list=PLF6ek7dWy48rFnBUehSSldIYcsqK_bmbT\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nInstagram – http://instagram.com/motomantv\n\nWebsite - http://www.MotoMan.TV\n\nNEW MUSIC including Raw by Kevin MacLeod/incompetech.com &amp; Jahzzar','2016 MINI Cooper S Convertible FIRST DRIVE REVIEW with Emme Hall of C|NET • Roadshow','','publish','open','open','','2016-mini-cooper-s-convertible-first-drive-review-with-emme-hall-of-cnet-%e2%80%a2-roadshow','','','2016-03-19 13:00:01','2016-03-19 13:00:01','',0,'http://www.l2ocredit.com/2016/03/19/2016-mini-cooper-s-convertible-first-drive-review-with-emme-hall-of-cnet-%e2%80%a2-roadshow/',0,'post','',0),(642,0,'2016-03-21 03:39:58','2016-03-21 07:39:58','','2016 MINI Cooper S Convertible FIRST DRIVE REVIEW with Emme Hall of C|NET • Roadshow','','inherit','open','closed','','2016-mini-cooper-s-convertible-first-drive-review-with-emme-hall-of-cnet-%e2%80%a2-roadshow-2','','','2016-03-21 03:39:58','2016-03-21 07:39:58','',641,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-mini-cooper-s-convertible-first-drive-review-with-emme-hall-of-cnet-roadshow-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(643,0,'2016-03-21 03:39:58','2016-03-21 07:39:58','','2016 MINI Cooper S Convertible FIRST DRIVE REVIEW with Emme Hall of C|NET • Roadshow','','inherit','open','closed','','2016-mini-cooper-s-convertible-first-drive-review-with-emme-hall-of-cnet-%e2%80%a2-roadshow-2','','','2016-03-21 03:39:58','2016-03-21 07:39:58','',641,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-mini-cooper-s-convertible-first-drive-review-with-emme-hall-of-cnet-roadshow-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(644,0,'2016-03-21 03:39:58','2016-03-21 07:39:58','','2016 MINI Cooper S Convertible FIRST DRIVE REVIEW with Emme Hall of C|NET • Roadshow','','inherit','open','closed','','2016-mini-cooper-s-convertible-first-drive-review-with-emme-hall-of-cnet-%e2%80%a2-roadshow-2','','','2016-03-21 03:39:58','2016-03-21 07:39:58','',641,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-mini-cooper-s-convertible-first-drive-review-with-emme-hall-of-cnet-roadshow-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(645,1,'2016-03-19 02:25:59','2016-03-19 02:25:59','For 2016 BMW continues their tradition of making incremental rather than revolutionary changes to their bread and butter sedan. The 2016 340 is a little sharper, a little more powerful and a little more polished than the 2015 335i. \n\nMore videos: http://goo.gl/Kj1FlI\nBest cars in 2016: http://goo.gl/3xAVJi\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nThe Mountain Garden: http://goo.gl/icFWcd','2016 BMW 3-Series (340i) Review and Road Test - DETAILED in 4K UHD!','','publish','open','open','','2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd','','','2016-03-19 02:25:59','2016-03-19 02:25:59','',0,'http://www.l2ocredit.com/2016/03/19/2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd/',0,'post','',0),(646,0,'2016-03-21 03:56:35','2016-03-21 07:56:35','','2016 BMW 3-Series (340i) Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-2','','','2016-03-21 03:56:35','2016-03-21 07:56:35','',645,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(647,0,'2016-03-21 03:56:35','2016-03-21 07:56:35','','2016 BMW 3-Series (340i) Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-3','','','2016-03-21 03:56:35','2016-03-21 07:56:35','',645,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(648,0,'2016-03-21 03:56:36','2016-03-21 07:56:36','','2016 BMW 3-Series (340i) Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-4','','','2016-03-21 03:56:36','2016-03-21 07:56:36','',645,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(649,0,'2016-03-21 03:56:36','2016-03-21 07:56:36','','2016 BMW 3-Series (340i) Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-5','','','2016-03-21 03:56:36','2016-03-21 07:56:36','',645,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(650,0,'2016-03-21 03:56:36','2016-03-21 07:56:36','','2016 BMW 3-Series (340i) Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-6','','','2016-03-21 03:56:36','2016-03-21 07:56:36','',645,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(651,0,'2016-03-21 03:56:36','2016-03-21 07:56:36','','2016 BMW 3-Series (340i) Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-7','','','2016-03-21 03:56:36','2016-03-21 07:56:36','',645,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(652,0,'2016-03-21 03:56:36','2016-03-21 07:56:36','','2016 BMW 3-Series (340i) Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-8','','','2016-03-21 03:56:36','2016-03-21 07:56:36','',645,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-3-series-340i-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-6.jpg',0,'attachment','image/jpeg',0),(653,1,'2016-03-16 20:26:11','2016-03-16 20:26:11','Take a ride in Chevy\'s most powerful Camaro yet.  Full Article: http://wp.me/p3LQCT-11NG\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','First Ride | 2016 Camaro ZL1 | Driving.ca','','publish','open','open','','first-ride-2016-camaro-zl1-driving-ca','','','2016-03-16 20:26:11','2016-03-16 20:26:11','',0,'http://www.l2ocredit.com/2016/03/16/first-ride-2016-camaro-zl1-driving-ca/',0,'post','',0),(654,0,'2016-03-21 04:15:27','2016-03-21 08:15:27','','First Ride | 2016 Camaro ZL1 | Driving.ca','','inherit','open','closed','','first-ride-2016-camaro-zl1-driving-ca-2','','','2016-03-21 04:15:27','2016-03-21 08:15:27','',653,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-ride-2016-camaro-zl1-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(655,0,'2016-03-21 04:15:27','2016-03-21 08:15:27','','First Ride | 2016 Camaro ZL1 | Driving.ca','','inherit','open','closed','','first-ride-2016-camaro-zl1-driving-ca-3','','','2016-03-21 04:15:27','2016-03-21 08:15:27','',653,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-ride-2016-camaro-zl1-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(656,0,'2016-03-21 04:15:27','2016-03-21 08:15:27','','First Ride | 2016 Camaro ZL1 | Driving.ca','','inherit','open','closed','','first-ride-2016-camaro-zl1-driving-ca-4','','','2016-03-21 04:15:27','2016-03-21 08:15:27','',653,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-ride-2016-camaro-zl1-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(657,0,'2016-03-21 04:15:27','2016-03-21 08:15:27','','First Ride | 2016 Camaro ZL1 | Driving.ca','','inherit','open','closed','','first-ride-2016-camaro-zl1-driving-ca-5','','','2016-03-21 04:15:27','2016-03-21 08:15:27','',653,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-ride-2016-camaro-zl1-driving-ca-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(658,1,'2016-03-16 16:15:42','2016-03-16 16:15:42','A commendable mid-sized crossover and some weird advertising might help Lincoln escape Mercury’s fate.','2016 Lincoln MKX','','publish','open','open','','2016-lincoln-mkx','','','2016-03-16 16:15:42','2016-03-16 16:15:42','',0,'http://www.l2ocredit.com/2016/03/16/2016-lincoln-mkx/',0,'post','',0),(659,0,'2016-03-21 04:31:26','2016-03-21 08:31:26','','2016 Lincoln MKX','','inherit','open','closed','','2016-lincoln-mkx-2','','','2016-03-21 04:31:26','2016-03-21 08:31:26','',658,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-lincoln-mkx-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(660,0,'2016-03-21 04:31:26','2016-03-21 08:31:26','','2016 Lincoln MKX','','inherit','open','closed','','2016-lincoln-mkx-2','','','2016-03-21 04:31:26','2016-03-21 08:31:26','',658,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-lincoln-mkx-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(661,0,'2016-03-21 04:31:26','2016-03-21 08:31:26','','2016 Lincoln MKX','','inherit','open','closed','','2016-lincoln-mkx-2','','','2016-03-21 04:31:26','2016-03-21 08:31:26','',658,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-lincoln-mkx-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(662,0,'2016-03-21 04:31:27','2016-03-21 08:31:27','','2016 Lincoln MKX','','inherit','open','closed','','2016-lincoln-mkx-3','','','2016-03-21 04:31:27','2016-03-21 08:31:27','',658,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-lincoln-mkx-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(663,1,'2016-03-13 21:09:10','2016-03-13 21:09:10','Ted Lancaster, VP of Kia Canada joins Motormouth Canada to talk about the all-new 2017 Kia Sportage compact utility, the 2016 Kia Soul, JD Power quality scorers and the perception of the brand. Kia is on the move with new products and wonderful styling.\nCompetitors to the Kia Sportage are the Hyundai Tucson, the Toyota RAV4, Subaru Crosstrek, Jeep Renegade, Jeep Patriot, Ford Escape, Jeep Compass, Honda HR-V, Mitsubishi Outlander, Mazda CX-3, Fiat 500X, Chevy Trax, Chevrolet Trax, Nissan Rogue, Nissan Juke, Mazda CX-5, Mazda CX-3, Hyundai Tucson, Hyundai Santa Fe, Kia Sorento, Toyota Venza, also the Toyota Highllander, Kia Sportage, Subaru Forester, Mini Countryman, Honda CR-V, Toyota RAV4, Buick Encore, Volkswagen Tiguan, VW Tiguan, BMW X1, Audi Q3, BMW X3, Chevy Equinox, maybe the Chevy Trax, Dodge Journey, Fiat 500X, Fiat 500, Ford Escape, Mazda5, Honda CR-V, Hyundai Tucson, Nissan Juke, Subaru Forester, Toyota RAV4, Subaru Outback, Kia Soul, Mitsubishi RVR, \n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','Kia Q&amp;A. Sportage, Soul, JD Power and more  (Video Blog #47)','','publish','open','open','','kia-qa-sportage-soul-jd-power-and-more-video-blog-47','','','2016-03-13 21:09:10','2016-03-13 21:09:10','',0,'http://www.l2ocredit.com/2016/03/13/kia-qa-sportage-soul-jd-power-and-more-video-blog-47/',0,'post','',0),(664,0,'2016-03-21 04:55:05','2016-03-21 08:55:05','','Kia Q&amp;A. Sportage, Soul, JD Power and more  (Video Blog #47)','','inherit','open','closed','','kia-qa-sportage-soul-jd-power-and-more-video-blog-47-2','','','2016-03-21 04:55:05','2016-03-21 08:55:05','',663,'http://www.l2ocredit.com/wp-content/uploads/2016/03/kia-qa-sportage-soul-jd-power-and-more-video-blog-47-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(665,0,'2016-03-21 04:55:06','2016-03-21 08:55:06','','Kia Q&amp;A. 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Is driving through the snow driving you insane? Are you ready to call it a day and hibernate until spring’s eventual arrival?\n\nFull story: http://www.autoguide.com/auto-news/2016/03/we-drive-the-nissan-rogue-warrior-the-most-badass-cure-for-the-winter-blues.html\n\nSubscribe\nhttp://www.youtube.com/subscription_c...\n\nYouTube - http://www.youtube.com/user/Autoguide...\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.','Nissan Rogue Warrior Review - First Drive','','publish','open','open','','nissan-rogue-warrior-review-first-drive','','','2016-03-16 17:24:15','2016-03-16 17:24:15','',0,'http://www.l2ocredit.com/2016/03/16/nissan-rogue-warrior-review-first-drive/',0,'post','',0),(670,0,'2016-03-21 06:40:49','2016-03-21 10:40:49','','Nissan Rogue Warrior Review &#8211; First Drive','','inherit','open','closed','','nissan-rogue-warrior-review-first-drive-2','','','2016-03-21 06:40:49','2016-03-21 10:40:49','',669,'http://www.l2ocredit.com/wp-content/uploads/2016/03/nissan-rogue-warrior-review-first-drive-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(671,0,'2016-03-21 06:40:50','2016-03-21 10:40:50','','Nissan Rogue Warrior Review &#8211; First Drive','','inherit','open','closed','','nissan-rogue-warrior-review-first-drive-3','','','2016-03-21 06:40:50','2016-03-21 10:40:50','',669,'http://www.l2ocredit.com/wp-content/uploads/2016/03/nissan-rogue-warrior-review-first-drive-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(672,0,'2016-03-21 06:40:50','2016-03-21 10:40:50','','Nissan Rogue Warrior Review &#8211; First Drive','','inherit','open','closed','','nissan-rogue-warrior-review-first-drive-4','','','2016-03-21 06:40:50','2016-03-21 10:40:50','',669,'http://www.l2ocredit.com/wp-content/uploads/2016/03/nissan-rogue-warrior-review-first-drive-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(673,1,'2016-03-17 13:00:01','2016-03-17 13:00:01','MotoMan drives the 2017 Kia Sportage CUV away from its natural habitat in order to demonstrate if an entirely new method of construction in a Kia Crossover that looks similar to the Kia Sportage it replaces .changes this Kia’s driving dynamics. Along they way, he may or may not have taken this Soft Roading Kia off roads . . . #DiscoverSportage\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\nDownload our MotoManTV App!\n\niTunes/iOS:\nhttps://itunes.apple.com/us/app/motomantv/id1049061634?mt=8\n\nGoogle Play/Android: https://play.google.com/store/apps/details?id=com.openpath.motoman&amp;hl=en\n\nCheck out our Kia playlist:\nhttps://www.youtube.com/playlist?list=PLF6ek7dWy48qhqNPKIWWs6o-FM1rKZrVX\n\nCheck out MotoMan’s Playlist:\nhttp://goo.gl/79fTTj\n\nEach 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\nInstagram – http://instagram.com/motomantv\n\nWebsite - http://www.MotoMan.TV\n\nNEW MUSIC including Raw by Kevin MacLeod/incompetech.com &amp; Jahzzar','2017 Kia Sportage SX Turbo FIRST DRIVE REVIEW REVIEW (2 of 2)','','publish','open','open','','2017-kia-sportage-sx-turbo-first-drive-review-review-2-of-2','','','2016-03-17 13:00:01','2016-03-17 13:00:01','',0,'http://www.l2ocredit.com/2016/03/17/2017-kia-sportage-sx-turbo-first-drive-review-review-2-of-2/',0,'post','',0),(674,0,'2016-03-21 06:56:55','2016-03-21 10:56:55','','2017 Kia Sportage SX Turbo FIRST DRIVE REVIEW REVIEW (2 of 2)','','inherit','open','closed','','2017-kia-sportage-sx-turbo-first-drive-review-review-2-of-2-2','','','2016-03-21 06:56:55','2016-03-21 10:56:55','',673,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-sx-turbo-first-drive-review-review-2-of-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(675,0,'2016-03-21 06:56:55','2016-03-21 10:56:55','','2017 Kia Sportage SX Turbo FIRST DRIVE REVIEW REVIEW (2 of 2)','','inherit','open','closed','','2017-kia-sportage-sx-turbo-first-drive-review-review-2-of-2-2','','','2016-03-21 06:56:55','2016-03-21 10:56:55','',673,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-sx-turbo-first-drive-review-review-2-of-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(676,1,'2016-03-19 02:17:06','2016-03-19 02:17:06','You asked for my thoughts on BMW, well here they are. It may upset some and encourage others. Who knows...\n\nMore videos: http://goo.gl/Kj1FlI\nBest cars in 2016: http://goo.gl/3xAVJi\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nThe Mountain Garden: http://goo.gl/icFWcd','Is BMW the Ultimate Driving or Luxury Machine?','','publish','open','open','','is-bmw-the-ultimate-driving-or-luxury-machine','','','2016-03-19 02:17:06','2016-03-19 02:17:06','',0,'http://www.l2ocredit.com/2016/03/19/is-bmw-the-ultimate-driving-or-luxury-machine/',0,'post','',0),(677,0,'2016-03-21 07:14:35','2016-03-21 11:14:35','','Is BMW the Ultimate Driving or Luxury Machine?','','inherit','open','closed','','is-bmw-the-ultimate-driving-or-luxury-machine-2','','','2016-03-21 07:14:35','2016-03-21 11:14:35','',676,'http://www.l2ocredit.com/wp-content/uploads/2016/03/is-bmw-the-ultimate-driving-or-luxury-machine-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(678,0,'2016-03-21 07:14:35','2016-03-21 11:14:35','','Is BMW the Ultimate Driving or Luxury Machine?','','inherit','open','closed','','is-bmw-the-ultimate-driving-or-luxury-machine-2','','','2016-03-21 07:14:35','2016-03-21 11:14:35','',676,'http://www.l2ocredit.com/wp-content/uploads/2016/03/is-bmw-the-ultimate-driving-or-luxury-machine-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(679,0,'2016-03-21 07:14:35','2016-03-21 11:14:35','','Is BMW the Ultimate Driving or Luxury Machine?','','inherit','open','closed','','is-bmw-the-ultimate-driving-or-luxury-machine-3','','','2016-03-21 07:14:35','2016-03-21 11:14:35','',676,'http://www.l2ocredit.com/wp-content/uploads/2016/03/is-bmw-the-ultimate-driving-or-luxury-machine-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(680,0,'2016-03-21 07:14:35','2016-03-21 11:14:35','','Is BMW the Ultimate Driving or Luxury Machine?','','inherit','open','closed','','is-bmw-the-ultimate-driving-or-luxury-machine-4','','','2016-03-21 07:14:35','2016-03-21 11:14:35','',676,'http://www.l2ocredit.com/wp-content/uploads/2016/03/is-bmw-the-ultimate-driving-or-luxury-machine-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(681,1,'2016-03-15 20:58:49','2016-03-15 20:58:49','The Chevy spark is one of the most affordable cars on the market today. But it sure doesn\'t drive like you\'d expect. Full Article: http://wp.me/p3LQCT-11LX\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','First Drive | 2016 Chevrolet Spark | Driving.ca','','publish','open','open','','first-drive-2016-chevrolet-spark-driving-ca','','','2016-03-15 20:58:49','2016-03-15 20:58:49','',0,'http://www.l2ocredit.com/2016/03/15/first-drive-2016-chevrolet-spark-driving-ca/',0,'post','',0),(682,0,'2016-03-21 07:32:25','2016-03-21 11:32:25','','First Drive | 2016 Chevrolet Spark | Driving.ca','','inherit','open','closed','','first-drive-2016-chevrolet-spark-driving-ca-2','','','2016-03-21 07:32:25','2016-03-21 11:32:25','',681,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-drive-2016-chevrolet-spark-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(683,0,'2016-03-21 07:32:26','2016-03-21 11:32:26','','First Drive | 2016 Chevrolet Spark | Driving.ca','','inherit','open','closed','','first-drive-2016-chevrolet-spark-driving-ca-3','','','2016-03-21 07:32:26','2016-03-21 11:32:26','',681,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-drive-2016-chevrolet-spark-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(684,0,'2016-03-21 07:32:26','2016-03-21 11:32:26','','First Drive | 2016 Chevrolet Spark | Driving.ca','','inherit','open','closed','','first-drive-2016-chevrolet-spark-driving-ca-3','','','2016-03-21 07:32:26','2016-03-21 11:32:26','',681,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-drive-2016-chevrolet-spark-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(685,1,'2016-03-09 07:00:55','2016-03-09 07:00:55','Lexus builds an extroverted V8-powered fun machine to challenge Cadillac ATS-V and BMW M4. It may want to drop by Jenny Craig on its way to the track though.','2016 Lexus RC F','','publish','open','open','','2016-lexus-rc-f','','','2016-03-09 07:00:55','2016-03-09 07:00:55','',0,'http://www.l2ocredit.com/2016/03/09/2016-lexus-rc-f/',0,'post','',0),(686,0,'2016-03-21 07:49:39','2016-03-21 11:49:39','','2016 Lexus RC F','','inherit','open','closed','','2016-lexus-rc-f-2','','','2016-03-21 07:49:39','2016-03-21 11:49:39','',685,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-lexus-rc-f-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(687,1,'2016-03-13 01:49:42','2016-03-13 01:49:42','The all-new 2017 Kia Sportage is the latest compact crossover, or SUV, to compete in this highly competitive compact utility set. The Kia Sportage has seating for 5-passengers and is available with FWD or AWD. The top Sportage SX model has a powerful turbocharged engine and advanced safety systems. This Korean compact utility shares some components with its cousin, the Hyundai Tucson, but Kia has taken a different approach, featuring a 6-speed automatic and larger available turbo engine.\nCompetitors to the Kia Sportage are the Hyundai Tucson, the Toyota RAV4, Subaru Crosstrek, Jeep Renegade, Jeep Patriot, Ford Escape, Jeep Compass, Honda HR-V, Mitsubishi Outlander, Mazda CX-3, Fiat 500X, Chevy Trax, Chevrolet Trax, Nissan Rogue, Nissan Juke, Mazda CX-5, Mazda CX-3, Hyundai Tucson, Hyundai Santa Fe, Kia Sorento, Toyota Venza, also the Toyota Highllander, Kia Sportage, Subaru Forester, Mini Countryman, Honda CR-V, Toyota RAV4, Buick Encore, Volkswagen Tiguan, VW Tiguan, BMW X1, Audi Q3, BMW X3, Chevy Equinox, maybe the Chevy Trax, Dodge Journey, Fiat 500X, Fiat 500, Ford Escape, Mazda5, Honda CR-V, Hyundai Tucson, Nissan Juke, Subaru Forester, Toyota RAV4, Subaru Outback, Kia Soul, Mitsubishi RVR, \n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','2017 Kia Sportage Review. ALL-NEW SPORTAGE','','publish','open','open','','2017-kia-sportage-review-all-new-sportage','','','2016-03-13 01:49:42','2016-03-13 01:49:42','',0,'http://www.l2ocredit.com/2016/03/13/2017-kia-sportage-review-all-new-sportage/',0,'post','',0),(688,0,'2016-03-21 08:11:42','2016-03-21 12:11:42','','2017 Kia Sportage Review. ALL-NEW SPORTAGE','','inherit','open','closed','','2017-kia-sportage-review-all-new-sportage-2','','','2016-03-21 08:11:42','2016-03-21 12:11:42','',687,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-review-all-new-sportage-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(689,0,'2016-03-21 08:11:42','2016-03-21 12:11:42','','2017 Kia Sportage Review. ALL-NEW SPORTAGE','','inherit','open','closed','','2017-kia-sportage-review-all-new-sportage-2','','','2016-03-21 08:11:42','2016-03-21 12:11:42','',687,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-review-all-new-sportage-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(690,0,'2016-03-21 08:11:42','2016-03-21 12:11:42','','2017 Kia Sportage Review. ALL-NEW SPORTAGE','','inherit','open','closed','','2017-kia-sportage-review-all-new-sportage-3','','','2016-03-21 08:11:42','2016-03-21 12:11:42','',687,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-review-all-new-sportage-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(691,1,'2016-03-15 00:10:56','2016-03-15 00:10:56','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nFollow Us on Instagram: cameronscarreviews \nSnapchat: camscarreviews \nCamerons Car Reviews Score: 4.5/5 \nPowertrain Options: 3.5 L V6 with a 6-Speed Automatic FWD or AWD \nEngine &amp; Performance\nBASE ENGINE SIZE 3.5 L \nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS V6 \nVALVES 24\nVALVE TIMING Variable \nTORQUE 252 ft-lbs. @ 4900 rpm\nHORSEPOWER 279 hp @ 6200 rpm \nTURNING CIRCLE 38.9 ft. \nWeights and Capacities\nEPA INTERIOR VOLUME 129.6 cu.ft. \nCURB WEIGHT 3931 lbs.\nANGLE OF APPROACH 14.9 degrees \nANGLE OF DEPARTURE 19.4 degrees\nCARGO CAPACITY, ALL SEATS IN PLACE 26.1 cu.ft. \nMAXIMUM CARGO CAPACITY 76.9 cu.ft. \nFuel\nENGINE TYPE Gas FUEL TYPE Premium unleaded (recommended)\nFUEL TANK CAPACITY 16.0 gal. \nRANGE IN MILES (CTY/HWY) 304.0/448.0 mi.\nEPA MILEAGE EST. (CTY/HWY) 19/28 mpg \nCompetitors: Mercedes GLC, BMW X3, Audi Q5','2017 Acura RDX 3.5 L V6 Review | Camerons Car Reviews','','publish','open','open','','2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews','','','2016-03-15 00:10:56','2016-03-15 00:10:56','',0,'http://www.l2ocredit.com/2016/03/15/2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews/',0,'post','',0),(692,0,'2016-03-21 08:34:21','2016-03-21 12:34:21','','2017 Acura RDX 3.5 L V6 Review | Camerons Car Reviews','','inherit','open','closed','','2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-2','','','2016-03-21 08:34:21','2016-03-21 12:34:21','',691,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(693,0,'2016-03-21 08:34:21','2016-03-21 12:34:21','','2017 Acura RDX 3.5 L V6 Review | Camerons Car Reviews','','inherit','open','closed','','2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-3','','','2016-03-21 08:34:21','2016-03-21 12:34:21','',691,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(694,0,'2016-03-21 08:34:21','2016-03-21 12:34:21','','2017 Acura RDX 3.5 L V6 Review | Camerons Car Reviews','','inherit','open','closed','','2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-4','','','2016-03-21 08:34:21','2016-03-21 12:34:21','',691,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(695,0,'2016-03-21 08:34:21','2016-03-21 12:34:21','','2017 Acura RDX 3.5 L V6 Review | Camerons Car Reviews','','inherit','open','closed','','2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-5','','','2016-03-21 08:34:21','2016-03-21 12:34:21','',691,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(696,0,'2016-03-21 08:34:22','2016-03-21 12:34:22','','2017 Acura RDX 3.5 L V6 Review | Camerons Car Reviews','','inherit','open','closed','','2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-6','','','2016-03-21 08:34:22','2016-03-21 12:34:22','',691,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-acura-rdx-3-5-l-v6-review-camerons-car-reviews-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(697,1,'2016-03-10 11:00:02','2016-03-10 11:00:02','Compact SUVs became the best-selling vehicle category in the country last year, outpacing the mighty midsize car for the first time ever. Compared to their midsize sedan counterparts, compact SUVs offer far greater cargo versatility and a higher driving position, with similar pricing and sensible fuel economy. And all small SUVs are offered with all-wheel drive, increasing their appeal to those who regularly drive on the slippery stuff. Here are the five best SUVs available today for less than $25,000.\n\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, and comparison tests. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb','KBB.com\'s 5 Best SUVs Starting Under $25,000','','publish','open','open','','kbb-coms-5-best-suvs-starting-under-25000','','','2016-03-10 11:00:02','2016-03-10 11:00:02','',0,'http://www.l2ocredit.com/2016/03/10/kbb-coms-5-best-suvs-starting-under-25000/',0,'post','',0),(698,0,'2016-03-21 08:50:47','2016-03-21 12:50:47','','KBB.com&#8217;s 5 Best SUVs Starting Under $25,000','','inherit','open','closed','','kbb-coms-5-best-suvs-starting-under-25000-2','','','2016-03-21 08:50:47','2016-03-21 12:50:47','',697,'http://www.l2ocredit.com/wp-content/uploads/2016/03/kbb-coms-5-best-suvs-starting-under-25000-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(699,0,'2016-03-21 08:50:48','2016-03-21 12:50:48','','KBB.com&#8217;s 5 Best SUVs Starting Under $25,000','','inherit','open','closed','','kbb-coms-5-best-suvs-starting-under-25000-3','','','2016-03-21 08:50:48','2016-03-21 12:50:48','',697,'http://www.l2ocredit.com/wp-content/uploads/2016/03/kbb-coms-5-best-suvs-starting-under-25000-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(700,0,'2016-03-21 08:50:48','2016-03-21 12:50:48','','KBB.com&#8217;s 5 Best SUVs Starting Under $25,000','','inherit','open','closed','','kbb-coms-5-best-suvs-starting-under-25000-4','','','2016-03-21 08:50:48','2016-03-21 12:50:48','',697,'http://www.l2ocredit.com/wp-content/uploads/2016/03/kbb-coms-5-best-suvs-starting-under-25000-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(701,1,'2016-03-21 08:05:30','2016-03-21 12:05:30','<div id=\"attachment_140574\" style=\"width: 411px\" class=\"wp-caption aligncenter\"><img class=\"wp-image-140574 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/Child-damage-home-Getty-KidStock.jpeg\" alt=\"(Getty / KidStock)\" width=\"401\" height=\"217\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/Child-damage-home-Getty-KidStock-300x162.jpeg 300w, http://www.moneysense.ca/wp-content/uploads/2015/12/Child-damage-home-Getty-KidStock.jpeg 401w, http://www.moneysense.ca/wp-content/uploads/2015/12/Child-damage-home-Getty-KidStock-400x217.jpeg 400w\" sizes=\"(max-width: 401px) 100vw, 401px\" /><p class=\"wp-caption-text\">(Getty / KidStock)</p></div>\n<p><strong>Q: <span style=\"font-weight: 400;\">We plan on listing our home for sale soon but we’re a little concerned about how to decorate and stage our three­-bedroom bungalow, so that we can still live in it with our two small children (ages 5 and 3). Do you have any suggestions on how to stage a home to sell but still keep it livable?  </span></strong></p>\n<p><em>— Taking the crayons away, Burlington, Ont.</em></p>\n<hr />\n<p><strong><strong>Answer from Hellen Buttigieg, life management expert and professional organizer</strong>: </strong><span style=\"font-weight: 400;\">Keeping a home neat, tidy and magazine-ready for those last minute showings is challenging enough, and living in it with young children makes it even more taxing. But with a few staging tricks, you can make your home attractive to buyers and reduce the time it’s on the market.</span></p>\n<p><span style=\"font-weight: 400;\">Begin by removing excess clutter, toys and furniture. Bulky toys like play kitchens and plastic picnic tables take up valuable floor space and can overwhelm the home, making it appear crowded and much smaller than it actually is – so remove these items.</span></p>\n<p><span style=\"font-weight: 400;\">Ask your kids to pick a few of their favorite toys and store these in an attractive, easily accessible box during showings. (One option is to use canvas baskets on cubical storage shelves, which makes tidying up fast and easy). All other toys should be stored out of sight in opaque plastic bins.</span></p>\n<p><span style=\"font-weight: 400;\">Remove kids’ artwork from the fridge for a streamlined look and c</span><span style=\"font-weight: 400;\">onvert playrooms to multi-purpose rooms. For instance, stage the playroom as an office, den or bedroom by placing a small sofa, bed or desk in the space. This makes your home more appealing to buyers without children.</span></p>\n<p><span style=\"font-weight: 400;\"> A fresh coat of paint will not only remove grimy fingerprints and marks from the walls, but choosing a neutral colour for all your rooms will help sell your home more quickly and easily.</span></p>\n<p><b><i><img class=\"alignleft size-thumbnail wp-image-150086\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-150x150.png\" alt=\"Hellen Buttigieg\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-150x150.png 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-32x32.png 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-64x64.png 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-96x96.png 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-128x128.png 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" />Hellen Buttigieg</i></b><i><span style=\"font-weight: 400;\"> is an internationally recognized life management expert and founder of We Organize U. She is an award-winning Certified Professional Organizer, life coach, and Gemini-nominated TV personality. Visit</span></i><a href=\"http://weorganizeu.com/\"> <i><span style=\"font-weight: 400;\">weorganizeu.com</span></i></a><i><span style=\"font-weight: 400;\"> and get your complimentary copy of &#8220;7 Habits That Rob You of Your Time, Energy and Inner Peace.&#8221;</span></i></p>\n<hr />\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:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\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/selling/how-to-stage-a-home-when-you-have-young-children/\">How to stage a home when you have young children</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to stage a home when you have young children','<p>It will take more than just decluttering, but the extra effort will be worth it</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/selling/how-to-stage-a-home-when-you-have-young-children/\">How to stage a home when you have young children</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-21 08:05:30','2016-03-21 12:05:30','',0,'http://www.moneysense.ca/?p=150084',0,'post','',0),(702,1,'2016-03-21 08:05:30','2016-03-21 12:05:30','<div id=\"attachment_140574\" style=\"width: 411px\" class=\"wp-caption aligncenter\"><img class=\"wp-image-140574 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/Child-damage-home-Getty-KidStock.jpeg\" alt=\"(Getty / KidStock)\" width=\"401\" height=\"217\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2015/12/Child-damage-home-Getty-KidStock-300x162.jpeg 300w, http://www.moneysense.ca/wp-content/uploads/2015/12/Child-damage-home-Getty-KidStock.jpeg 401w, http://www.moneysense.ca/wp-content/uploads/2015/12/Child-damage-home-Getty-KidStock-400x217.jpeg 400w\" sizes=\"(max-width: 401px) 100vw, 401px\" /><p class=\"wp-caption-text\">(Getty / KidStock)</p></div>\n<p><strong>Q: <span style=\"font-weight: 400;\">We plan on listing our home for sale soon but we’re a little concerned about how to decorate and stage our three­-bedroom bungalow, so that we can still live in it with our two small children (ages 5 and 3). Do you have any suggestions on how to stage a home to sell but still keep it livable?  </span></strong></p>\n<p><em>— Taking the crayons away, Burlington, Ont.</em></p>\n<hr />\n<p><strong><strong>Answer from Hellen Buttigieg, life management expert and professional organizer</strong>: </strong><span style=\"font-weight: 400;\">Keeping a home neat, tidy and magazine-ready for those last minute showings is challenging enough, and living in it with young children makes it even more taxing. But with a few staging tricks, you can make your home attractive to buyers and reduce the time it’s on the market.</span></p>\n<p><span style=\"font-weight: 400;\">Begin by removing excess clutter, toys and furniture. Bulky toys like play kitchens and plastic picnic tables take up valuable floor space and can overwhelm the home, making it appear crowded and much smaller than it actually is – so remove these items.</span></p>\n<p><span style=\"font-weight: 400;\">Ask your kids to pick a few of their favorite toys and store these in an attractive, easily accessible box during showings. (One option is to use canvas baskets on cubical storage shelves, which makes tidying up fast and easy). All other toys should be stored out of sight in opaque plastic bins.</span></p>\n<p><span style=\"font-weight: 400;\">Remove kids’ artwork from the fridge for a streamlined look and c</span><span style=\"font-weight: 400;\">onvert playrooms to multi-purpose rooms. For instance, stage the playroom as an office, den or bedroom by placing a small sofa, bed or desk in the space. This makes your home more appealing to buyers without children.</span></p>\n<p><span style=\"font-weight: 400;\"> A fresh coat of paint will not only remove grimy fingerprints and marks from the walls, but choosing a neutral colour for all your rooms will help sell your home more quickly and easily.</span></p>\n<p><b><i><img class=\"alignleft size-thumbnail wp-image-150086\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-150x150.png\" alt=\"Hellen Buttigieg\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-150x150.png 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-32x32.png 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-64x64.png 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-96x96.png 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-128x128.png 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" />Hellen Buttigieg</i></b><i><span style=\"font-weight: 400;\"> is an internationally recognized life management expert and founder of We Organize U. She is an award-winning Certified Professional Organizer, life coach, and Gemini-nominated TV personality. Visit</span></i><a href=\"http://weorganizeu.com/\"> <i><span style=\"font-weight: 400;\">weorganizeu.com</span></i></a><i><span style=\"font-weight: 400;\"> and get your complimentary copy of &#8220;7 Habits That Rob You of Your Time, Energy and Inner Peace.&#8221;</span></i></p>\n<hr />\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:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\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/selling/how-to-stage-a-home-when-you-have-young-children/\">How to stage a home when you have young children</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to stage a home when you have young children','<p>It will take more than just decluttering, but the extra effort will be worth it</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/selling/how-to-stage-a-home-when-you-have-young-children/\">How to stage a home when you have young children</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','701-revision-v1','','','2016-03-21 08:05:30','2016-03-21 12:05:30','',701,'http://feedwordpress.radgeek.com/?rev=259b2499013b2db8a3f99fded58471b2',0,'revision','',0),(703,1,'2016-03-18 17:58:10','2016-03-18 21:58:10','\n        <meta itemprop=\"duration\" 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href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','611-revision-v1','','','2016-03-18 17:58:10','2016-03-18 21:58:10','',611,'http://feedwordpress.radgeek.com/?rev=ebf74d0db574a6b2f74b336406d6cae4',0,'revision','',0),(704,1,'2016-03-14 12:00:00','2016-03-14 12:00:00','The new Acura NSX is all about immediacy. It uses electric torque, class-leading chassis rigidity and next-level all-wheel drive electronics to ensure it responds to inputs with urgency. But for a car that goes so damn fast, it sure took it’s sweet time to get here. Then again, perhaps the one thing you can’t rush is greatness, and that’s what we\'re here to find out.\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.','2017 Acura NSX Review - First Drive','','publish','open','open','','2017-acura-nsx-review-first-drive','','','2016-03-14 12:00:00','2016-03-14 12:00:00','',0,'http://www.l2ocredit.com/2016/03/14/2017-acura-nsx-review-first-drive/',0,'post','',0),(705,0,'2016-03-21 09:13:58','2016-03-21 13:13:58','','2017 Acura NSX Review &#8211; First Drive','','inherit','open','closed','','2017-acura-nsx-review-first-drive-2','','','2016-03-21 09:13:58','2016-03-21 13:13:58','',704,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-acura-nsx-review-first-drive-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(706,1,'2016-03-13 16:32:50','2016-03-13 16:32:50','Friend of the Show &amp; Cadillac Design Director, Bob Boniface is back but this time, with one of his personal classic cars – a 1991 Lancia Delta HF Integrale – a car he just acquired and imported to the US under the NHTSA 25 year import rule. Bob takes over the tech review duties throughout the episode sharing the story of the winning Lanicia’s engineering, design and even how Lancia dominated Group B and World Rally Championships for years . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nDownload our MotoManTV App!\n\niTunes/iOS:\nhttps://itunes.apple.com/us/app/motomantv/id1049061634?mt=8\n\nGoogle Play/Android: https://play.google.com/store/apps/details?id=com.openpath.motoman&amp;hl=en\n\nTWICE A WEEK, MotoMan you on car guy adventures like going behind the scenes and hands on at factories, design studios and race tracks to unique driving experiences – everything from the latest cars to military prototype vehicles.\n\nEACH 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\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nCheck out our other CLASSIC CAR episodes with our RETRO DRIVE REVIEW playlist:\nhttps://www.youtube.com/playlist?list=PLF6ek7dWy48qhZks8pbQlSyA1wNAiqNC2\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nInstagram – http://instagram.com/motomantv\n\nWebsite - http://www.MotoMan.TV','1991 Lancia Delta HF Integrale RETRO DRIVE REVIEW with Bob Boniface &amp; Lancia Rally History','','publish','open','open','','1991-lancia-delta-hf-integrale-retro-drive-review-with-bob-boniface-lancia-rally-history','','','2016-03-13 16:32:50','2016-03-13 16:32:50','',0,'http://www.l2ocredit.com/2016/03/13/1991-lancia-delta-hf-integrale-retro-drive-review-with-bob-boniface-lancia-rally-history/',0,'post','',0),(707,0,'2016-03-21 09:29:32','2016-03-21 13:29:32','','1991 Lancia Delta HF Integrale RETRO DRIVE REVIEW with Bob Boniface &amp; Lancia Rally History','','inherit','open','closed','','1991-lancia-delta-hf-integrale-retro-drive-review-with-bob-boniface-lancia-rally-history-2','','','2016-03-21 09:29:32','2016-03-21 13:29:32','',706,'http://www.l2ocredit.com/wp-content/uploads/2016/03/1991-lancia-delta-hf-integrale-retro-drive-review-with-bob-boniface-lancia-rally-history-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(708,1,'2016-03-14 21:39:09','2016-03-14 21:39:09','The 2016 XF combines the handling feel of a Cadillac CTS with the acceleration of the Audi A6 and a price tag that\'s only a hair higher than the Lexus GS. That makes the 2016 XF 35t my second favorite in this segment. \n\nMore videos: http://goo.gl/Kj1FlI\nBest cars in 2016: http://goo.gl/3xAVJi\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nThe Mountain Garden: http://goo.gl/icFWcd','2016 Jaguar XF 35t Review and Road Test - DETAILED in 4K UHD!','','publish','open','open','','2016-jaguar-xf-35t-review-and-road-test-detailed-in-4k-uhd','','','2016-03-14 21:39:09','2016-03-14 21:39:09','',0,'http://www.l2ocredit.com/2016/03/14/2016-jaguar-xf-35t-review-and-road-test-detailed-in-4k-uhd/',0,'post','',0),(709,0,'2016-03-21 09:44:40','2016-03-21 13:44:40','','2016 Jaguar XF 35t Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-jaguar-xf-35t-review-and-road-test-detailed-in-4k-uhd-2','','','2016-03-21 09:44:40','2016-03-21 13:44:40','',708,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jaguar-xf-35t-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(710,0,'2016-03-21 09:44:40','2016-03-21 13:44:40','','2016 Jaguar XF 35t Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-jaguar-xf-35t-review-and-road-test-detailed-in-4k-uhd-3','','','2016-03-21 09:44:40','2016-03-21 13:44:40','',708,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jaguar-xf-35t-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(711,0,'2016-03-21 09:44:41','2016-03-21 13:44:41','','2016 Jaguar XF 35t Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-jaguar-xf-35t-review-and-road-test-detailed-in-4k-uhd-4','','','2016-03-21 09:44:41','2016-03-21 13:44:41','',708,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jaguar-xf-35t-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(712,1,'2016-03-02 07:08:18','2016-03-02 07:08:18','BMW installs a plug-in hybrid powertrain in its biggest SUV. Offering a painless way to use less gasoline it also helps to meet those pesky governmental requirements.','2016 BMW X5 xDrive 40e','','publish','open','open','','2016-bmw-x5-xdrive-40e','','','2016-03-02 07:08:18','2016-03-02 07:08:18','',0,'http://www.l2ocredit.com/2016/03/02/2016-bmw-x5-xdrive-40e/',0,'post','',0),(713,0,'2016-03-21 10:18:56','2016-03-21 14:18:56','','2016 BMW X5 xDrive 40e','','inherit','open','closed','','2016-bmw-x5-xdrive-40e-2','','','2016-03-21 10:18:56','2016-03-21 14:18:56','',712,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-x5-xdrive-40e-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(714,0,'2016-03-21 10:18:56','2016-03-21 14:18:56','','2016 BMW X5 xDrive 40e','','inherit','open','closed','','2016-bmw-x5-xdrive-40e-2','','','2016-03-21 10:18:56','2016-03-21 14:18:56','',712,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-x5-xdrive-40e-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(715,0,'2016-03-21 10:18:56','2016-03-21 14:18:56','','2016 BMW X5 xDrive 40e','','inherit','open','closed','','2016-bmw-x5-xdrive-40e-2','','','2016-03-21 10:18:56','2016-03-21 14:18:56','',712,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-x5-xdrive-40e-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(716,0,'2016-03-21 10:18:56','2016-03-21 14:18:56','','2016 BMW X5 xDrive 40e','','inherit','open','closed','','2016-bmw-x5-xdrive-40e-2','','','2016-03-21 10:18:56','2016-03-21 14:18:56','',712,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-x5-xdrive-40e-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(717,0,'2016-03-21 10:18:56','2016-03-21 14:18:56','','2016 BMW X5 xDrive 40e','','inherit','open','closed','','2016-bmw-x5-xdrive-40e-2','','','2016-03-21 10:18:56','2016-03-21 14:18:56','',712,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-x5-xdrive-40e-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(718,0,'2016-03-21 10:18:56','2016-03-21 14:18:56','','2016 BMW X5 xDrive 40e','','inherit','open','closed','','2016-bmw-x5-xdrive-40e-2','','','2016-03-21 10:18:56','2016-03-21 14:18:56','',712,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-x5-xdrive-40e-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(719,1,'2016-03-21 08:05:30','2016-03-21 12:05:30','<p><strong>Q: <span style=\"font-weight: 400;\">We plan on listing our home for sale soon but we’re a little concerned about how to decorate and stage our three­-bedroom bungalow so that we can still live in it with our two small children (ages 5 and 3). Do you have any suggestions on how to stage a home to sell but still keep it livable?  </span></strong></p>\n<p><em>— Taking the crayons away, Burlington, Ont.</em></p>\n<hr />\n<p><strong><strong>Answer from Hellen Buttigieg, life management expert and professional organizer</strong>: </strong><span style=\"font-weight: 400;\">Keeping a home neat, tidy and magazine-ready for those last-minute showings is challenging enough, and living in it with young children makes it even more taxing. But with a few staging tricks, you can make your home attractive to buyers and reduce the time it’s on the market.</span></p>\n<p><span style=\"font-weight: 400;\">Begin by removing excess clutter, toys and furniture. Bulky toys like play kitchens and plastic picnic tables take up valuable floor space and can overwhelm the home, making it appear crowded and much smaller than it actually is–so remove these items.</span></p>\n<p><span style=\"font-weight: 400;\">Ask your kids to pick a few of their favourite toys and store these in an attractive, easily accessible box during showings. (One option is to use canvas baskets on cubical storage shelves, which makes tidying up fast and easy). All other toys should be stored out of sight in opaque plastic bins.</span></p>\n<p><span style=\"font-weight: 400;\">Remove kids’ artwork from the fridge for a streamlined look and c</span><span style=\"font-weight: 400;\">onvert playrooms to multi-purpose rooms. For instance, stage the playroom as an office, den or bedroom by placing a small sofa, bed or desk in the space. This makes your home more appealing to buyers without children.</span></p>\n<p><span style=\"font-weight: 400;\"> A fresh coat of paint will not only remove grimy fingerprints and marks from the walls, but choosing a neutral colour for all your rooms will help sell your home more quickly and easily.</span></p>\n<p><b><i><img class=\"alignleft size-thumbnail wp-image-150086\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-150x150.png\" alt=\"Hellen Buttigieg\" width=\"150\" height=\"150\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-150x150.png 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-32x32.png 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-64x64.png 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-96x96.png 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-03-16-at-6.12.02-PM-128x128.png 128w\" sizes=\"(max-width: 150px) 100vw, 150px\" />Hellen Buttigieg</i></b><span style=\"font-weight: 400;\"><i> is an internationally recognized life management expert and founder of We Organize U. She is an award-winning Certified Professional Organizer, life coach, and Gemini-nominated TV personality. Visit</i> </span><a href=\"http://weorganizeu.com/\"><i><span style=\"font-weight: 400;\">weorganizeu.com</span></i></a><i><span style=\"font-weight: 400;\"> and get your complimentary copy of &#8220;7 Habits That Rob You of Your Time, Energy and Inner Peace.&#8221;</span></i></p>\n<hr />\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:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\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/selling/how-to-stage-a-home-when-you-have-young-children/\">How to stage a home when you have young children</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to stage a home when you have young children','<p>It will take more than just decluttering, but the extra effort will be worth it</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/selling/how-to-stage-a-home-when-you-have-young-children/\">How to stage a home when you have young children</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','701-revision-v1','','','2016-03-21 08:05:30','2016-03-21 12:05:30','',701,'http://feedwordpress.radgeek.com/?rev=35d482b5f1a11cb63124ff8cfa5cd686',0,'revision','',0),(720,1,'2016-03-06 01:11:08','2016-03-06 01:11:08','The 2016 Honda Civic has won the North American and Canadian Car of the Year awards and for good reason. This compact sedan has grown in size, it has a more powerful base engine and now can be ordered with a turbo. The Civic has seating for 5-passengers and is a comfortable car. Honda equips the car well including available advanced safety systems like Honda\'s Sensing system.\n\nCompetitors to the Honda Civic are the Toyota Corolla, Ford Focus, Ford Fiesta, Kia Soul, Nissan Versa, Chevy Sonic, Chevrolet Sonic, Kia Rio, Honda Fit, Honda HR-V, Toyota Yaris, Chevy Spark, Chevrolet Spark, Chevy Cruze, Chevrolet Cruze, Kia Forte, VW Jetta, VW Golf, Volkswagen Jetta, Volkswagen Golf, Dodge Dart, Hyundai Accent, Hyundai Elantra, Nissan Sentra, Fiat 500, Fiat 500X, Mazda3, Mazda2, Mazda6, Scion iM and Mitsubishi Lancer.\n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','2016 Honda Civic Review-2nd Take, Base Engine.','','publish','open','open','','2016-honda-civic-review-2nd-take-base-engine','','','2016-03-06 01:11:08','2016-03-06 01:11:08','',0,'http://www.l2ocredit.com/2016/03/06/2016-honda-civic-review-2nd-take-base-engine/',0,'post','',0),(721,0,'2016-03-21 10:38:04','2016-03-21 14:38:04','','2016 Honda Civic Review-2nd Take, Base Engine.','','inherit','open','closed','','2016-honda-civic-review-2nd-take-base-engine-2','','','2016-03-21 10:38:04','2016-03-21 14:38:04','',720,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-honda-civic-review-2nd-take-base-engine-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(722,1,'2016-03-14 16:41:56','2016-03-14 16:41:56','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nFollow Us on Instagram: cameronscarreviews \nSnapchat: camscarreviews','2017 Mercedes AMG-E43, 2017 Subaru Impreza, 2016 Honda Civic Coupe-CCR','','publish','open','open','','2017-mercedes-amg-e43-2017-subaru-impreza-2016-honda-civic-coupe-ccr','','','2016-03-14 16:41:56','2016-03-14 16:41:56','',0,'http://www.l2ocredit.com/2016/03/14/2017-mercedes-amg-e43-2017-subaru-impreza-2016-honda-civic-coupe-ccr/',0,'post','',0),(723,0,'2016-03-21 11:00:46','2016-03-21 15:00:46','','2017 Mercedes AMG-E43, 2017 Subaru Impreza, 2016 Honda Civic Coupe-CCR','','inherit','open','closed','','2017-mercedes-amg-e43-2017-subaru-impreza-2016-honda-civic-coupe-ccr-2','','','2016-03-21 11:00:46','2016-03-21 15:00:46','',722,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-mercedes-amg-e43-2017-subaru-impreza-2016-honda-civic-coupe-ccr-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(724,0,'2016-03-21 11:00:46','2016-03-21 15:00:46','','2017 Mercedes AMG-E43, 2017 Subaru Impreza, 2016 Honda Civic Coupe-CCR','','inherit','open','closed','','2017-mercedes-amg-e43-2017-subaru-impreza-2016-honda-civic-coupe-ccr-3','','','2016-03-21 11:00:46','2016-03-21 15:00:46','',722,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-mercedes-amg-e43-2017-subaru-impreza-2016-honda-civic-coupe-ccr-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(725,1,'2016-03-21 11:10:27','2016-03-21 15:10:27','<h2>We Are Canadian!</h2>\r\nOur team is busy looking for new inventory and credit solutions for you, but if you have any questions please, feel free to contact us.\r\n\r\nOur inventory of cars is in the GTA, Ottawa ON, and Laval QC, and our homes are primarily in the GTA.  If you\'re from outside of these areas, still contact us.  We have a network of contacts to fall back on, or we can make other arrangements.\r\n\r\n[mks_col][mks_one_half]\r\n<h2>FAQ</h2>\r\n[ms_accordion style=\"simple\" type=\"1\" class=\"\" id=\"\"][ms_accordion_item title=\'If I have gone bankrupt or had a consumer proposal in the past, can I still apply?\' icon=\'fa-angle-double-right\' status=\'open\']Yes, absolutely.  We want to help everyone get a second chance, discharged or not.  We will guide you back to the path of recovery.[/ms_accordion_item] [ms_accordion_item title=\'How long does it take to repair my credit rating?\' icon=\'fa-angle-double-right\' status=\'close\']Your score will start improving within months.  However, it will take at least 10 months to get a better interest rate.  For most, recovery will be 1-2 years with consistent effort. [/ms_accordion_item] [ms_accordion_item title=\'If I have a good credit rating should I still apply\' icon=\'fa-angle-double-right\' status=\'close\']For sure.  We often find favourable rates on loans and mortgages, even better than you can get elsewhere.[/ms_accordion_item][ms_accordion_item title=\'What are the advantages of dealing with your company?\' icon=\'fa-angle-double-right\' status=\'close\']We are here to help and consider your best interest.  Most of what we do is refer you to businesses who we’ve used in the past, who are good at what they do, and help people with credit issues or no down payment.  We want to help as many people get into home ownership who would normally have thought that it wasn’t possible. We have seen our partners come through on some difficult cases where others have failed and we would recommend them hands down.[/ms_accordion_item] [ms_accordion_item title=\'How do I know that my information is safe?\' icon=\'fa-angle-double-right\' status=\'close\']L2O doesn’t collect any sensitive information on our website.  We ask that you tell us how we can help you, with a home or a car, and a way to reach you.  We can then refer you to the right team and they will gather the rest securely.  That way your information is reaching the minimalist amount of hands.[/ms_accordion_item][/ms_accordion]\r\n\r\n[/mks_one_half]\r\n\r\n[mks_one_half]\r\n<h2>REACH US</h2>\r\n[contact-form-7 id=\"32\" title=\"Contact form 1\"][/mks_one_half]\r\n\r\n[/mks_col]\r\n\r\n&nbsp;','Contact Us','','inherit','closed','closed','','2-revision-v1','','','2016-03-21 11:10:27','2016-03-21 15:10:27','',2,'http://www.l2ocredit.com/2016/03/21/2-revision-v1/',0,'revision','',0),(726,1,'2016-03-07 11:00:02','2016-03-07 11:00:02','The Mercedes-Benz GLE is the new name for the outgoing M-Class SUV. Join Micah Muzio as he gives you the 411 on the new GLE. \n\nFor the latest Mercedes-Benz GLE SUV and Coupe pricing and information:\nhttp://www.kbb.com/mercedes-benz/gle/2016/\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, and comparison tests. 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 Mercedes-Benz GLE - Review and Road Test','','publish','open','open','','2016-mercedes-benz-gle-review-and-road-test','','','2016-03-07 11:00:02','2016-03-07 11:00:02','',0,'http://www.l2ocredit.com/2016/03/07/2016-mercedes-benz-gle-review-and-road-test/',0,'post','',0),(727,0,'2016-03-21 11:21:08','2016-03-21 15:21:08','','2016 Mercedes-Benz GLE &#8211; Review and Road Test','','inherit','open','closed','','2016-mercedes-benz-gle-review-and-road-test-2','','','2016-03-21 11:21:08','2016-03-21 15:21:08','',726,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-mercedes-benz-gle-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(728,0,'2016-03-21 11:21:08','2016-03-21 15:21:08','','2016 Mercedes-Benz GLE &#8211; Review and Road Test','','inherit','open','closed','','2016-mercedes-benz-gle-review-and-road-test-2','','','2016-03-21 11:21:08','2016-03-21 15:21:08','',726,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-mercedes-benz-gle-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(729,0,'2016-03-21 11:21:09','2016-03-21 15:21:09','','2016 Mercedes-Benz GLE &#8211; Review and Road Test','','inherit','open','closed','','2016-mercedes-benz-gle-review-and-road-test-3','','','2016-03-21 11:21:09','2016-03-21 15:21:09','',726,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-mercedes-benz-gle-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(730,1,'2016-03-04 00:53:42','2016-03-04 00:53:42','AutoGuide ranks the top automotive reveals from the most supercar-dominated show of them all, the 2016 Geneva Motor Show.\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 5 Debuts of the 2016 Geneva Motor Show','','publish','open','open','','top-5-debuts-of-the-2016-geneva-motor-show','','','2016-03-04 00:53:42','2016-03-04 00:53:42','',0,'http://www.l2ocredit.com/2016/03/04/top-5-debuts-of-the-2016-geneva-motor-show/',0,'post','',0),(731,0,'2016-03-21 11:42:58','2016-03-21 15:42:58','','Top 5 Debuts of the 2016 Geneva Motor Show','','inherit','open','closed','','top-5-debuts-of-the-2016-geneva-motor-show-2','','','2016-03-21 11:42:58','2016-03-21 15:42:58','',730,'http://www.l2ocredit.com/wp-content/uploads/2016/03/top-5-debuts-of-the-2016-geneva-motor-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(732,0,'2016-03-21 11:42:58','2016-03-21 15:42:58','','Top 5 Debuts of the 2016 Geneva Motor Show','','inherit','open','closed','','top-5-debuts-of-the-2016-geneva-motor-show-3','','','2016-03-21 11:42:58','2016-03-21 15:42:58','',730,'http://www.l2ocredit.com/wp-content/uploads/2016/03/top-5-debuts-of-the-2016-geneva-motor-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(733,0,'2016-03-21 11:42:59','2016-03-21 15:42:59','','Top 5 Debuts of the 2016 Geneva Motor Show','','inherit','open','closed','','top-5-debuts-of-the-2016-geneva-motor-show-4','','','2016-03-21 11:42:59','2016-03-21 15:42:59','',730,'http://www.l2ocredit.com/wp-content/uploads/2016/03/top-5-debuts-of-the-2016-geneva-motor-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(734,1,'2016-03-18 15:15:59','2016-03-18 19:15:59','<p><a href=\"http://moneysense.ca/tag/budget-2016/\"><img class=\"alignnone wp-image-150316 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg\" alt=\"Budget 2016 banner V2\" width=\"885\" height=\"300\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-300x102.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-768x260.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-660x224.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg 885w\" sizes=\"(max-width: 885px) 100vw, 885px\" /></a><br />\n<span style=\"font-weight: 400;\">With a sluggish economy as a backdrop and election promises fresh in our minds, the nation is about to get its first glimpse into the fiscal priorities of the newly elected Liberal government. At <em><a href=\"http://www.canadianbusiness.com/\" >Canadian Business</a></em>,</span> Mike Moffat, assistant professor in the Business, Economics and Public Policy (BEPP) group at the Ivey Business School, highlighted <a href=\"http://www.canadianbusiness.com/economy/eight-things-to-watch-for-in-the-budget-beyond-the-deficits-size/\" >eight things he&#8217;ll be on the look out for in this Tuesday’s Budget</a>. Among them: A simplification of the <em>Income Tax Act</em>, a <a href=\"http://www.canadianbusiness.com/blogs-and-comment/a-fast-and-cheap-way-to-stimulate-the-economy-a-food-rebate/\" >food rebate program</a> for low-income families and a possible guaranteed income program, much like the one recently announced in the Ontario budget. He writes:</p>\n<blockquote><p><span style=\"font-weight: 400;\">The Ontario budget contained a clause committing to a </span><a href=\"http://www.cbc.ca/news/canada/windsor/charles-sousa-guaranteed-income-1.3490107\"><span style=\"font-weight: 400;\">basic income pilot</span></a><span style=\"font-weight: 400;\"> and it is possible that the federal government </span><a href=\"http://www.cbc.ca/news/politics/guaranteed-minimum-income-merits-further-study-pre-budget-report-says-1.3490157\"><span style=\"font-weight: 400;\">may consider the same</span></a><span style=\"font-weight: 400;\">. I am </span><a href=\"https://www.eventbrite.ca/e/basic-income-a-deeper-look-an-oxford-style-debate-tickets-21833801488\"><span style=\"font-weight: 400;\">highly skeptical</span></a><span style=\"font-weight: 400;\"> of many of the proposals floated by proponents of a Guaranteed Minimum Income, so I will be looking to see if the federal government is considering moving in this direction</span></p></blockquote>\n<p>Already, a few personal finance promises have been announced, including Thursday&#8217;s pledge to restore Old Age Security eligibility to 65 years old. But taxpayers can expect many more changes and announcements to be released in Tuesday&#8217;s budget. In particular, here are four issues we&#8217;ll be looking for that could impact your pocketbook:</p>\n<h3><b>1. More income and investment changes</b></h3>\n<p><span style=\"font-weight: 400;\">As promised, the Liberals have already made changes to the federal income tax brackets. Starting 2016, the middle income tax bracket dropped from 22% to 20.5%. Those who earn between $45,282 and $216,987 will pay less tax. However, those earning upwards of that can expect to pay more income tax, with the introduction of a new 33% tax bracket for income over $200,000. As well, the Liberals&#8217;</span> reduction of the TFSA contribution limit, from $10,000 to $5,500 annually, took effect on Jan. 1, 2016.</p>\n<p>However, those counting on a boost to their income from stock options will need to pay particular attention to this upcoming budget, as the Liberals have hinted at possible changes. One change: a cap on the favourable tax treatment of stock options. At present, investors and employees are taxed on 50% of the gains of stock options. Budget 2016 could see introduce a cap of $100,000 on this favourable tax treatment of stock options, with the remaining gains taxed as ordinary income.</p>\n<p>Investors who&#8217;ve come to rely on investments with favourably taxed capital gains may be in for a shock. <a href=\"http://www.moneysense.ca/news/prepare-for-a-possible-increase-in-capital-gains-taxes/\" >There have been rumours the Liberals could increase the percentage of the gain that&#8217;s taxed at your marginal rate.</a> At present, only 50% of any capital gains on an investment are taxed at your marginal tax rate. After this budget, as much as two-thirds or three-quarters of the profit could be taxed at your marginal tax rate.</p>\n<h3><b>2. Increased flexibility with parental benefits</b></h3>\n<p><span style=\"font-weight: 400;\">We already know that starting in July 2016, the Universal Child Care Benefit (UCCB) and the Canada Child Tax Benefit (CCTB) will be replaced with one non-taxable Canada Child Benefit. However, we should expect to get more details in the budget documents. A major question</span> is whether or not the Liberals will make good on their promise to create a more flexible parental benefits plan, that includes up to 18 months of time off to care for an infant (six months of which would be unpaid).</p>\n<h3><b>3. A boost to guaranteed income for seniors</b></h3>\n<p><span style=\"font-weight: 400;\">During the 2015 election, the Liberals pledged to restore Old Age Security eligibility to age 65. This was in response to the Conservative government’s decision to increase the age of eligibility to 67, for those born after 1958. On Thursday, Prime Minister Justin Trudeau confirmed that the Liberals are keeping the old retirement age at 65. </span>Other items to look out for this budget include: a potential increase of 10% to the Guaranteed Income Supplement (GIS) for low-income seniors as well as indexing senior benefits (such as the GIS) to inflation as well as a promise to expand compassionate care benefits to family members caring for sick or aging relatives.</p>\n<h3><b>4. An expansion of the Home Buyers&#8217; Plan</b></h3>\n<p><span style=\"font-weight: 400;\">In the weeks and days leading up to Budget 2016, tax experts have begun to suspect some announcement on the Liberals promise to </span><a href=\"http://www.moneysense.ca/spend/real-estate/liberal-win-good-for-first-time-home-buyers-investors/\"><span style=\"font-weight: 400;\">loosen the requirements</span></a><span style=\"font-weight: 400;\"> of the Home Buyers’ Plan (HBP). The initial promise was to open up the plan beyond first-time homebuyers to allow Canadians to use the HBP when dealing with life events such as work relocation, divorce or the death of a spouse. </span>Another way the Liberals may be able to help home buyers, particularly in potentially overheated markets like Toronto and Vancouver, is to announce more in-depth data collection and analysis of the real estate marketplace.</p>\n<h3>And more to come&#8230;</h3>\n<p><em>MoneySense</em> will be on Parliament Hill for Budget 2016 on Tuesday and available to answer your personal finance questions afterward. Join us on <a href=\"http://moneysense.ca/\" >moneysense.ca</a> for a live-chat on Wednesday at 1 p.m. Tweet your questions with the hashtag #BudgetChat or comment on the livestream and our experts will answer.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-things-to-expect-from-the-upcoming-federal-budget/\">4 things to expect from Budget 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','4 things to expect from Budget 2016','<p>Seniors, families and homebuyers appear to have the most to gain in Budget 2016, but investors could take a hit</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/4-things-to-expect-from-the-upcoming-federal-budget/\">4 things to expect from Budget 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','609-revision-v1','','','2016-03-18 15:15:59','2016-03-18 19:15:59','',609,'http://feedwordpress.radgeek.com/?rev=c01b7c7a5b312cb029ddc94fe6217a61',0,'revision','',0),(735,1,'2016-03-09 13:00:01','2016-03-09 13:00:01','MotoMan drives the 2017 Cadillac XT5 crossover. Along the way he demonstrates an all new 3.6 V6 engine as well as points out some of the key differences in an almost 10% reduction in weight from the Cadillac SRX. Putting the engineering aside, he demonstrates flash tech – everything from a special clutch in the AWD system to the now third integration of Apple Car Play in a Cadillac – as well as functional design elements . . . \n\nFor more information, check out our 2017 Cadillac XT5 TECH REVIEW @ https://www.youtube.com/watch?v=v7VyFHuuNSA\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nDownload our MotoManTV App!\n\niTunes/iOS:\nhttps://itunes.apple.com/us/app/motomantv/id1049061634?mt=8\n\nGoogle Play/Android: https://play.google.com/store/apps/details?id=com.openpath.motoman&amp;hl=en\n\nTWICE A WEEK, MotoMan you on car guy adventures like going behind the scenes and hands on at factories, design studios and race tracks to unique driving experiences – everything from the latest cars to military prototype vehicles.\n\nEACH 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\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nCheck out our Cadillac Playlist:\nhttps://www.youtube.com/playlist?list=PLF6ek7dWy48rriuQI9OjyiLvXA1R2UPKf\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nInstagram – http://instagram.com/motomantv\n\nWebsite - http://www.MotoMan.TV','2017 Cadillac XT5 FIRST DRIVE REVIEW  (2 of 2)','','publish','open','open','','2017-cadillac-xt5-first-drive-review-2-of-2','','','2016-03-09 13:00:01','2016-03-09 13:00:01','',0,'http://www.l2ocredit.com/2016/03/09/2017-cadillac-xt5-first-drive-review-2-of-2/',0,'post','',0),(736,0,'2016-03-21 12:35:05','2016-03-21 16:35:05','','2017 Cadillac XT5 FIRST DRIVE REVIEW  (2 of 2)','','inherit','open','closed','','2017-cadillac-xt5-first-drive-review-2-of-2-2','','','2016-03-21 12:35:05','2016-03-21 16:35:05','',735,'http://www.l2ocredit.com/2016/03/09/2017-cadillac-xt5-first-drive-review-2-of-2/2017-cadillac-xt5-first-drive-review-2-of-2-2/',0,'attachment','image/jpeg',0),(737,1,'2016-03-12 01:02:03','2016-03-12 01:02:03','Jag\'s new infotainment system is a huge leap forward but I\'m more excited about their upcoming InControl Pro system. My apologies for calling it InCommand...\n\nMore videos: http://goo.gl/Kj1FlI\nBest cars in 2016: http://goo.gl/3xAVJi\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nThe Mountain Garden: http://goo.gl/icFWcd','2016 Jaguar InControl Infotainment System Review','','publish','open','open','','2016-jaguar-incontrol-infotainment-system-review','','','2016-03-12 01:02:03','2016-03-12 01:02:03','',0,'http://www.l2ocredit.com/2016/03/12/2016-jaguar-incontrol-infotainment-system-review/',0,'post','',0),(738,0,'2016-03-21 12:53:10','2016-03-21 16:53:10','','2016 Jaguar InControl Infotainment System Review','','inherit','open','closed','','2016-jaguar-incontrol-infotainment-system-review-2','','','2016-03-21 12:53:10','2016-03-21 16:53:10','',737,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jaguar-incontrol-infotainment-system-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(739,0,'2016-03-21 12:53:10','2016-03-21 16:53:10','','2016 Jaguar InControl Infotainment System Review','','inherit','open','closed','','2016-jaguar-incontrol-infotainment-system-review-3','','','2016-03-21 12:53:10','2016-03-21 16:53:10','',737,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jaguar-incontrol-infotainment-system-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(740,0,'2016-03-21 12:53:10','2016-03-21 16:53:10','','2016 Jaguar InControl Infotainment System Review','','inherit','open','closed','','2016-jaguar-incontrol-infotainment-system-review-4','','','2016-03-21 12:53:10','2016-03-21 16:53:10','',737,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jaguar-incontrol-infotainment-system-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(741,1,'2016-03-08 23:00:00','2016-03-08 23:00:00','Mercedes has redesigned and revised its E Class sedan. Here\'s what you can expect for the future of the E Class. Full Article: http://wp.me/p3LQCT-11q5\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','First Drive | 2016 Mercedes E Class | Driving.ca','','publish','open','open','','first-drive-2016-mercedes-e-class-driving-ca','','','2016-03-08 23:00:00','2016-03-08 23:00:00','',0,'http://www.l2ocredit.com/2016/03/08/first-drive-2016-mercedes-e-class-driving-ca/',0,'post','',0),(742,0,'2016-03-21 13:08:14','2016-03-21 17:08:14','','First Drive | 2016 Mercedes E Class | Driving.ca','','inherit','open','closed','','first-drive-2016-mercedes-e-class-driving-ca-2','','','2016-03-21 13:08:14','2016-03-21 17:08:14','',741,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-drive-2016-mercedes-e-class-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(743,0,'2016-03-21 13:08:14','2016-03-21 17:08:14','','First Drive | 2016 Mercedes E Class | Driving.ca','','inherit','open','closed','','first-drive-2016-mercedes-e-class-driving-ca-3','','','2016-03-21 13:08:14','2016-03-21 17:08:14','',741,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-drive-2016-mercedes-e-class-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(744,0,'2016-03-21 13:08:14','2016-03-21 17:08:14','','First Drive | 2016 Mercedes E Class | Driving.ca','','inherit','open','closed','','first-drive-2016-mercedes-e-class-driving-ca-4','','','2016-03-21 13:08:14','2016-03-21 17:08:14','',741,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-drive-2016-mercedes-e-class-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(745,0,'2016-03-21 13:08:14','2016-03-21 17:08:14','','First Drive | 2016 Mercedes E Class | Driving.ca','','inherit','open','closed','','first-drive-2016-mercedes-e-class-driving-ca-5','','','2016-03-21 13:08:14','2016-03-21 17:08:14','',741,'http://www.l2ocredit.com/wp-content/uploads/2016/03/first-drive-2016-mercedes-e-class-driving-ca-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(746,1,'2016-02-25 06:37:47','2016-02-25 06:37:47','The second-generation XF is a party animal on twisty roads, dropping weight and adding some needed backseat room.','2016 Jaguar XF 35t R Sport','','publish','open','open','','2016-jaguar-xf-35t-r-sport','','','2016-02-25 06:37:47','2016-02-25 06:37:47','',0,'http://www.l2ocredit.com/2016/02/25/2016-jaguar-xf-35t-r-sport/',0,'post','',0),(747,0,'2016-03-21 14:43:51','2016-03-21 18:43:51','','2016 Jaguar XF 35t R Sport','','inherit','open','closed','','2016-jaguar-xf-35t-r-sport-2','','','2016-03-21 14:43:51','2016-03-21 18:43:51','',746,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jaguar-xf-35t-r-sport-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(748,0,'2016-03-21 14:43:51','2016-03-21 18:43:51','','2016 Jaguar XF 35t R Sport','','inherit','open','closed','','2016-jaguar-xf-35t-r-sport-3','','','2016-03-21 14:43:51','2016-03-21 18:43:51','',746,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jaguar-xf-35t-r-sport-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(749,0,'2016-03-21 14:43:51','2016-03-21 18:43:51','','2016 Jaguar XF 35t R Sport','','inherit','open','closed','','2016-jaguar-xf-35t-r-sport-4','','','2016-03-21 14:43:51','2016-03-21 18:43:51','',746,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jaguar-xf-35t-r-sport-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(750,1,'2016-03-05 00:42:21','2016-03-05 00:42:21','The Toyota Highlander is large 3-row, 7-passenger or 8-passenger SUV, or Crossover. This practical people mover can be equipped with FWD or AWD and it is also offered as an AWD Hybrid. The Highlander is big, with plenty of space for all passengers. It is practical and good value.\n\nCompetitors to the Toyota Highlander are the Honda Pilot, the Acura MDX, Acura RDX, Audi Q5, Audi Q7, BMW X5, Buick Enclave, Chevy Traverse, Chevrolet Traverse, Dodge Journey, GMC Terrain, GMC Acadia, Honda CR-V, Hyundai Sanata Fe, Hyundai Tucson, Infiniti QX50, Infiniti QX70, Jeep Grand Cherokee, Land Rover LR4, Land Rover Discovery, Lincolm MKX, Lincoln MKT, Mazda CX-9, Mercedes GL, Mercedes GLE, Mitsubishi Outlander, Nissan Murano, Nissan Pathfinder, Subaru Forester, Toyota Highlander, Toyota RAV4, Toota Venza, VW Touareg, Volkswagen Touareg.\n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','2016 Toyota Highlander Review-Great Use of Space','','publish','open','open','','2016-toyota-highlander-review-great-use-of-space','','','2016-03-05 00:42:21','2016-03-05 00:42:21','',0,'http://www.l2ocredit.com/2016/03/05/2016-toyota-highlander-review-great-use-of-space/',0,'post','',0),(751,0,'2016-03-21 14:58:55','2016-03-21 18:58:55','','2016 Toyota Highlander Review-Great Use of Space','','inherit','open','closed','','2016-toyota-highlander-review-great-use-of-space-2','','','2016-03-21 14:58:55','2016-03-21 18:58:55','',750,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-toyota-highlander-review-great-use-of-space-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(752,0,'2016-03-21 14:58:55','2016-03-21 18:58:55','','2016 Toyota Highlander Review-Great Use of Space','','inherit','open','closed','','2016-toyota-highlander-review-great-use-of-space-3','','','2016-03-21 14:58:55','2016-03-21 18:58:55','',750,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-toyota-highlander-review-great-use-of-space-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(753,1,'2016-03-21 15:34:58','2016-03-21 19:34:58','<p>The recent story of A Surrey, B.C., couple&#8217;s vacation gone wrong just goes to show how important it is for Canadians to fully understand the so-called &#8220;cheap&#8221; insurance policies they&#8217;re buying. Mel Milaney and her husband, Tom, were going on a three-week trip to Florida and the Caribbean in 2012. They considered purchasing health insurance from Pacific Blue Cross, their provider, but instead opted for a cheaper policy from RBC Insurance.</p>\n<p><a href=\"http://as%20they%20recounted%20to%20the%20cbc/\" >As they recounted to the CBC</a>, Mel fell incredibly ill during the trip and the total cost of her treatment ended up exceeding $200,000 U.S. Their RBC Insurance covered it, but months later, the Milaney&#8217;s learned the bank had passed much of the bill along to Pacific Blue Cross, under the widely-overlooked (and totally standard) &#8220;first payer&#8221; clause. The fine print stated: &#8220;Any of our policies are <strong>excess insurance</strong> and are the last payers. All other sources of recovery, indemnity payments or insurance coverage must be exhausted before any payments will be made under any of our policies.&#8221;</p>\n<p>Mel&#8217;s lifetime maximum coverage from her group insurer is $500,000 and this incident alone, with the help of the &#8220;first payer&#8221; clause, meant she had burned through nearly one-fifth of this maximum. With a host of other monthly health costs, this clause means she could find herself without extended coverage in the future.</p>\n<p>The lesson learned? Read the fine print closely and make sure you know what you&#8217;re buying to avoid getting into a seriously bad situation.</p>\n<p>Here are a few other things to keep in mind when considering travel insurance, from our own <a href=\"http://www.moneysense.ca/save/financial-planning/the-only-insurance-guide-you-need/\" >easy-to-understand insurance</a> guide:</p>\n<p><strong>1. You may already have it</strong><br />\nStart by checking your employer benefits plan to see if you’re already covered. Some credit cards also include travel medical and trip cancellation insurance. But check your policy closely to make sure you understand what coverage you have. Insurers often limit how much they’ll pay out for claims and restrict coverage to shorter trips—typically seven days or so.</p>\n<p><strong>2. Your travel agent rarely sells the good stuff</strong><br />\nTravel agents usually sell travel insurance and may offer it when you’re booking your trip. “These policies can often be much more expensive than getting insurance from an online provider such as Travel Guard,” says Gavin Prout, vice president of Special Benefits Insurance Services in Port Perry, Ont. To compare costs, use a service such as <span class=\"skimlinks-unlinked\">Kanetix.ca</span>. You’ll get quotes from several providers on the spot.</p>\n<p><strong>3. If you travel twice a year, it’s cheaper to buy an annual plan</strong><br />\nFor instance, a 40-year-old would pay $25 for emergency medical coverage during a one-week trip to Acapulco. By contrast, he could get an annual plan that would cover him for unlimited trips of 10 days or less in duration—almost anywhere in the world—for $60. An added benefit? If you just want to go across the border for a weekend, you’ll have a plan already in place.</p>\n<p>Got more questions about travel disability, life, auto or home insurance? Read &#8220;<a href=\"http://www.moneysense.ca/save/financial-planning/the-only-insurance-guide-you-need/\" >The Only Insurance Guide You Need</a>.&#8221; It&#8217;s, well, the only insurance guide you need.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/insurance/travel-insurance/ignoring-this-travel-insurance-clause-could-cost-you/\">The one travel insurance clause you shouldn&#8217;t ignore</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The one travel insurance clause you shouldn’t ignore','<p>Read the fine print to avoid the same fate as this B.C. couple</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/insurance/travel-insurance/ignoring-this-travel-insurance-clause-could-cost-you/\">The one travel insurance clause you shouldn&rsquo;t ignore</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-21 15:34:58','2016-03-21 19:34:58','',0,'http://www.moneysense.ca/?p=150386',0,'post','',0),(754,1,'2016-03-21 15:34:58','2016-03-21 19:34:58','<p>The recent story of A Surrey, B.C., couple&#8217;s vacation gone wrong just goes to show how important it is for Canadians to fully understand the so-called &#8220;cheap&#8221; insurance policies they&#8217;re buying. Mel Milaney and her husband, Tom, were going on a three-week trip to Florida and the Caribbean in 2012. They considered purchasing health insurance from Pacific Blue Cross, their provider, but instead opted for a cheaper policy from RBC Insurance.</p>\n<p><a href=\"http://as%20they%20recounted%20to%20the%20cbc/\" >As they recounted to the CBC</a>, Mel fell incredibly ill during the trip and the total cost of her treatment ended up exceeding $200,000 U.S. Their RBC Insurance covered it, but months later, the Milaney&#8217;s learned the bank had passed much of the bill along to Pacific Blue Cross, under the widely-overlooked (and totally standard) &#8220;first payer&#8221; clause. The fine print stated: &#8220;Any of our policies are <strong>excess insurance</strong> and are the last payers. All other sources of recovery, indemnity payments or insurance coverage must be exhausted before any payments will be made under any of our policies.&#8221;</p>\n<p>Mel&#8217;s lifetime maximum coverage from her group insurer is $500,000 and this incident alone, with the help of the &#8220;first payer&#8221; clause, meant she had burned through nearly one-fifth of this maximum. With a host of other monthly health costs, this clause means she could find herself without extended coverage in the future.</p>\n<p>The lesson learned? Read the fine print closely and make sure you know what you&#8217;re buying to avoid getting into a seriously bad situation.</p>\n<p>Here are a few other things to keep in mind when considering travel insurance, from our own <a href=\"http://www.moneysense.ca/save/financial-planning/the-only-insurance-guide-you-need/\" >easy-to-understand insurance</a> guide:</p>\n<p><strong>1. You may already have it</strong><br />\nStart by checking your employer benefits plan to see if you’re already covered. Some credit cards also include travel medical and trip cancellation insurance. But check your policy closely to make sure you understand what coverage you have. Insurers often limit how much they’ll pay out for claims and restrict coverage to shorter trips—typically seven days or so.</p>\n<p><strong>2. Your travel agent rarely sells the good stuff</strong><br />\nTravel agents usually sell travel insurance and may offer it when you’re booking your trip. “These policies can often be much more expensive than getting insurance from an online provider such as Travel Guard,” says Gavin Prout, vice president of Special Benefits Insurance Services in Port Perry, Ont. To compare costs, use a service such as <span class=\"skimlinks-unlinked\">Kanetix.ca</span>. You’ll get quotes from several providers on the spot.</p>\n<p><strong>3. If you travel twice a year, it’s cheaper to buy an annual plan</strong><br />\nFor instance, a 40-year-old would pay $25 for emergency medical coverage during a one-week trip to Acapulco. By contrast, he could get an annual plan that would cover him for unlimited trips of 10 days or less in duration—almost anywhere in the world—for $60. An added benefit? If you just want to go across the border for a weekend, you’ll have a plan already in place.</p>\n<p>Got more questions about travel disability, life, auto or home insurance? Read &#8220;<a href=\"http://www.moneysense.ca/save/financial-planning/the-only-insurance-guide-you-need/\" >The Only Insurance Guide You Need</a>.&#8221; It&#8217;s, well, the only insurance guide you need.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/insurance/travel-insurance/ignoring-this-travel-insurance-clause-could-cost-you/\">The one travel insurance clause you shouldn&#8217;t ignore</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The one travel insurance clause you shouldn’t ignore','<p>Read the fine print to avoid the same fate as this B.C. couple</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/insurance/travel-insurance/ignoring-this-travel-insurance-clause-could-cost-you/\">The one travel insurance clause you shouldn&rsquo;t ignore</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','753-revision-v1','','','2016-03-21 15:34:58','2016-03-21 19:34:58','',753,'http://feedwordpress.radgeek.com/?rev=d767b3eb68404e620ee2484745ca133e',0,'revision','',0),(755,1,'2016-03-11 20:31:33','2016-03-11 20:31:33','Like Us on Facebook! https://www.facebook.com/pages/Camero... \nFollow Us on Instagram: cameronscarreviews \nSnapchat: camscarreviews \nCamerons Car Reviews Score: 4.5/5 \nEngine &amp; Performance\nBASE ENGINE SIZE 2.0 L \nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS Inline 4 \nVALVES 16\nVALVE TIMING Variable \nTORQUE 295 ft-lbs. @ 1800 rpm\nHORSEPOWER 302 hp @ 5700 rpm \nTURNING CIRCLE 38.4 ft. \nWeights and Capacities\nMAXIMUM TOWING CAPACITY** 3500 lbs. \nMAXIMUM PAYLOAD** 950 lbs.\nEPA INTERIOR VOLUME 132.7 cu.ft. \nGROSS WEIGHT 5140 lbs.\nCURB WEIGHT 4043 lbs. \nANGLE OF APPROACH 22.0 degrees\nANGLE OF DEPARTURE 27.0 degrees \nCARGO CAPACITY, ALL SEATS IN PLACE 30.8 cu.ft.\nMAXIMUM CARGO CAPACITY 67.4 cu.ft. \nFuel\nENGINE TYPE Gas \nFUEL TYPE Regular unleaded\nFUEL TANK CAPACITY 18.5 gal. \nRANGE IN MILES (CTY/HWY) 370.0/518.0 mi.\nEPA MILEAGE EST. (CTY/HWY) 20/28 mpg \nCompetitors: Acura RDX, Audi Q5, Mercedes GLC, BMW X3','2016 Volvo XC60 T6 2.0 L Super &amp; Turbo Charged 4-Cylinder Review | Camerons Car Reviews','','publish','open','open','','2016-volvo-xc60-t6-2-0-l-super-turbo-charged-4-cylinder-review-camerons-car-reviews','','','2016-03-11 20:31:33','2016-03-11 20:31:33','',0,'http://www.l2ocredit.com/2016/03/11/2016-volvo-xc60-t6-2-0-l-super-turbo-charged-4-cylinder-review-camerons-car-reviews/',0,'post','',0),(756,0,'2016-03-21 15:45:28','2016-03-21 19:45:28','','2016 Volvo XC60 T6 2.0 L Super &amp; Turbo Charged 4-Cylinder Review | Camerons Car Reviews','','inherit','open','closed','','2016-volvo-xc60-t6-2-0-l-super-turbo-charged-4-cylinder-review-camerons-car-reviews-2','','','2016-03-21 15:45:28','2016-03-21 19:45:28','',755,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-volvo-xc60-t6-2-0-l-super-turbo-charged-4-cylinder-review-camerons-car-reviews-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(757,0,'2016-03-21 15:45:28','2016-03-21 19:45:28','','2016 Volvo XC60 T6 2.0 L Super &amp; Turbo Charged 4-Cylinder Review | Camerons Car Reviews','','inherit','open','closed','','2016-volvo-xc60-t6-2-0-l-super-turbo-charged-4-cylinder-review-camerons-car-reviews-2','','','2016-03-21 15:45:28','2016-03-21 19:45:28','',755,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-volvo-xc60-t6-2-0-l-super-turbo-charged-4-cylinder-review-camerons-car-reviews-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(758,0,'2016-03-21 15:45:28','2016-03-21 19:45:28','','2016 Volvo XC60 T6 2.0 L Super &amp; Turbo Charged 4-Cylinder Review | Camerons Car Reviews','','inherit','open','closed','','2016-volvo-xc60-t6-2-0-l-super-turbo-charged-4-cylinder-review-camerons-car-reviews-3','','','2016-03-21 15:45:28','2016-03-21 19:45:28','',755,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-volvo-xc60-t6-2-0-l-super-turbo-charged-4-cylinder-review-camerons-car-reviews-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(759,1,'2016-03-03 11:00:01','2016-03-03 11:00:01','After roughly 13 months of ownership, Kelley Blue Book waves goodbye to its long-term Ram 1500 EcoDiesel. \n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, and comparison tests. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_c...','2014 Ram 1500 EcoDiesel - Long-Term Conclusion','','publish','open','open','','2014-ram-1500-ecodiesel-long-term-conclusion','','','2016-03-03 11:00:01','2016-03-03 11:00:01','',0,'http://www.l2ocredit.com/2016/03/03/2014-ram-1500-ecodiesel-long-term-conclusion/',0,'post','',0),(760,0,'2016-03-21 16:02:15','2016-03-21 20:02:15','','2014 Ram 1500 EcoDiesel &#8211; Long-Term Conclusion','','inherit','open','closed','','2014-ram-1500-ecodiesel-long-term-conclusion-2','','','2016-03-21 16:02:15','2016-03-21 20:02:15','',759,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2014-ram-1500-ecodiesel-long-term-conclusion-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(761,0,'2016-03-21 16:02:15','2016-03-21 20:02:15','','2014 Ram 1500 EcoDiesel &#8211; Long-Term Conclusion','','inherit','open','closed','','2014-ram-1500-ecodiesel-long-term-conclusion-3','','','2016-03-21 16:02:15','2016-03-21 20:02:15','',759,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2014-ram-1500-ecodiesel-long-term-conclusion-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(762,1,'2016-03-03 09:46:48','2016-03-03 09:46:48','Volkswagen is looking to succeed where Nissan failed with its Murano CrossCabriolet.\n\nFull story: http://www.autoguide.com/auto-news/2016/03/vw-tries-to-succeed-where-the-ugly-nissan-crosscab-failed.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.','Volkswagen T-Cross Breeze Concept First Look - 2016 Geneva Motor Show','','publish','open','open','','volkswagen-t-cross-breeze-concept-first-look-2016-geneva-motor-show','','','2016-03-03 09:46:48','2016-03-03 09:46:48','',0,'http://www.l2ocredit.com/2016/03/03/volkswagen-t-cross-breeze-concept-first-look-2016-geneva-motor-show/',0,'post','',0),(763,0,'2016-03-21 16:21:33','2016-03-21 20:21:33','','Volkswagen T-Cross Breeze Concept First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','volkswagen-t-cross-breeze-concept-first-look-2016-geneva-motor-show-2','','','2016-03-21 16:21:33','2016-03-21 20:21:33','',762,'http://www.l2ocredit.com/wp-content/uploads/2016/03/volkswagen-t-cross-breeze-concept-first-look-2016-geneva-motor-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(764,0,'2016-03-21 16:21:34','2016-03-21 20:21:34','','Volkswagen T-Cross Breeze Concept First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','volkswagen-t-cross-breeze-concept-first-look-2016-geneva-motor-show-3','','','2016-03-21 16:21:34','2016-03-21 20:21:34','',762,'http://www.l2ocredit.com/wp-content/uploads/2016/03/volkswagen-t-cross-breeze-concept-first-look-2016-geneva-motor-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(765,1,'2016-03-06 14:00:00','2016-03-06 14:00:00','MotoMan takes another look at Kia – this time the first vehicle that was redesigned by Peter Schreyer at the beginning of Kia’s resurgence – the Kia Sportage. For 2017, it is a totally new Crossover Vehicle, however like the Kia Optima, Kia has elected to keep the familiar shape but has completely changed the method of manufacture which can have a huge impact everything from the interior to driving dynamics. MotoMan goes on a deep dive of the details in this TECH REVIEW in advance of the FIRST DRIVE REVIEW . . .\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\nDownload our MotoManTV App!\n\niTunes/iOS:\nhttps://itunes.apple.com/us/app/motomantv/id1049061634?mt=8\n\nGoogle Play/Android: https://play.google.com/store/apps/details?id=com.openpath.motoman&amp;hl=en\n\nCheck out our Kia playlist:\nhttps://www.youtube.com/playlist?list=PLF6ek7dWy48qhqNPKIWWs6o-FM1rKZrVX\n\nCheck out MotoMan’s Playlist:\nhttp://goo.gl/79fTTj\n\nEach 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\nInstagram – http://instagram.com/motomantv\n\nWebsite - http://www.MotoMan.TV\n\nNEW MUSIC including Raw by Kevin MacLeod/incompetech.com &amp; Jahzzar','2017 Kia Sportage SX Turbo TECH REVIEW (1 of 2)','','publish','open','open','','2017-kia-sportage-sx-turbo-tech-review-1-of-2','','','2016-03-06 14:00:00','2016-03-06 14:00:00','',0,'http://www.l2ocredit.com/2016/03/06/2017-kia-sportage-sx-turbo-tech-review-1-of-2/',0,'post','',0),(766,0,'2016-03-21 16:41:33','2016-03-21 20:41:33','','2017 Kia Sportage SX Turbo TECH REVIEW (1 of 2)','','inherit','open','closed','','2017-kia-sportage-sx-turbo-tech-review-1-of-2-2','','','2016-03-21 16:41:33','2016-03-21 20:41:33','',765,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-sx-turbo-tech-review-1-of-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(767,0,'2016-03-21 16:41:33','2016-03-21 20:41:33','','2017 Kia Sportage SX Turbo TECH REVIEW (1 of 2)','','inherit','open','closed','','2017-kia-sportage-sx-turbo-tech-review-1-of-2-3','','','2016-03-21 16:41:33','2016-03-21 20:41:33','',765,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-sx-turbo-tech-review-1-of-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(768,0,'2016-03-21 16:41:33','2016-03-21 20:41:33','','2017 Kia Sportage SX Turbo TECH REVIEW (1 of 2)','','inherit','open','closed','','2017-kia-sportage-sx-turbo-tech-review-1-of-2-4','','','2016-03-21 16:41:33','2016-03-21 20:41:33','',765,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-sx-turbo-tech-review-1-of-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(769,1,'2016-03-02 12:34:39','2016-03-02 12:34:39','Kia completely redesigned the Sportage for 2017 making it one of the most dynamic compact crossovers on the market. Join me as we take a quick first look at their smallest crossover. \n\n\nMore videos: http://goo.gl/Kj1FlI\nBest cars in 2016: http://goo.gl/3xAVJi\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nThe Mountain Garden: http://goo.gl/icFWcd','2017 Kia Sportage Review and Road Test - In 4K UHD!','','publish','open','open','','2017-kia-sportage-review-and-road-test-in-4k-uhd','','','2016-03-02 12:34:39','2016-03-02 12:34:39','',0,'http://www.l2ocredit.com/2016/03/02/2017-kia-sportage-review-and-road-test-in-4k-uhd/',0,'post','',0),(770,0,'2016-03-21 17:17:51','2016-03-21 21:17:51','','2017 Kia Sportage Review and Road Test &#8211; In 4K UHD!','','inherit','open','closed','','2017-kia-sportage-review-and-road-test-in-4k-uhd-2','','','2016-03-21 17:17:51','2016-03-21 21:17:51','',769,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-review-and-road-test-in-4k-uhd-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(771,0,'2016-03-21 17:17:51','2016-03-21 21:17:51','','2017 Kia Sportage Review and Road Test &#8211; In 4K UHD!','','inherit','open','closed','','2017-kia-sportage-review-and-road-test-in-4k-uhd-2','','','2016-03-21 17:17:51','2016-03-21 21:17:51','',769,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-review-and-road-test-in-4k-uhd-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(772,0,'2016-03-21 17:17:51','2016-03-21 21:17:51','','2017 Kia Sportage Review and Road Test &#8211; In 4K UHD!','','inherit','open','closed','','2017-kia-sportage-review-and-road-test-in-4k-uhd-2','','','2016-03-21 17:17:51','2016-03-21 21:17:51','',769,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-review-and-road-test-in-4k-uhd-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(773,0,'2016-03-21 17:17:51','2016-03-21 21:17:51','','2017 Kia Sportage Review and Road Test &#8211; In 4K UHD!','','inherit','open','closed','','2017-kia-sportage-review-and-road-test-in-4k-uhd-2','','','2016-03-21 17:17:51','2016-03-21 21:17:51','',769,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-kia-sportage-review-and-road-test-in-4k-uhd-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(774,1,'2016-03-08 15:00:01','2016-03-08 15:00:01','It might be cute, but having your dog ride shotgun unbelted is about the worst way to take man\'s best friend along for the ride. Here\'s how to do it safely. \n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','The safest way for dogs to ride in the car | Driving.ca','','publish','open','open','','the-safest-way-for-dogs-to-ride-in-the-car-driving-ca','','','2016-03-08 15:00:01','2016-03-08 15:00:01','',0,'http://www.l2ocredit.com/2016/03/08/the-safest-way-for-dogs-to-ride-in-the-car-driving-ca/',0,'post','',0),(775,0,'2016-03-21 17:44:43','2016-03-21 21:44:43','','The safest way for dogs to ride in the car | Driving.ca','','inherit','open','closed','','the-safest-way-for-dogs-to-ride-in-the-car-driving-ca-2','','','2016-03-21 17:44:43','2016-03-21 21:44:43','',774,'http://www.l2ocredit.com/wp-content/uploads/2016/03/the-safest-way-for-dogs-to-ride-in-the-car-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(776,0,'2016-03-21 17:44:43','2016-03-21 21:44:43','','The safest way for dogs to ride in the car | Driving.ca','','inherit','open','closed','','the-safest-way-for-dogs-to-ride-in-the-car-driving-ca-3','','','2016-03-21 17:44:43','2016-03-21 21:44:43','',774,'http://www.l2ocredit.com/wp-content/uploads/2016/03/the-safest-way-for-dogs-to-ride-in-the-car-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(777,0,'2016-03-21 17:44:44','2016-03-21 21:44:44','','The safest way for dogs to ride in the car | Driving.ca','','inherit','open','closed','','the-safest-way-for-dogs-to-ride-in-the-car-driving-ca-4','','','2016-03-21 17:44:44','2016-03-21 21:44:44','',774,'http://www.l2ocredit.com/wp-content/uploads/2016/03/the-safest-way-for-dogs-to-ride-in-the-car-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(778,1,'2016-02-17 06:04:36','2016-02-17 06:04:36','There’s a lot of tech to be amped up about in the second-generation Volt but its most impressive feature is that it drives like a normal car.','2016 Chevrolet Volt Premier','','publish','open','open','','2016-chevrolet-volt-premier','','','2016-02-17 06:04:36','2016-02-17 06:04:36','',0,'http://www.l2ocredit.com/2016/02/17/2016-chevrolet-volt-premier/',0,'post','',0),(779,0,'2016-03-21 18:03:38','2016-03-21 22:03:38','','2016 Chevrolet Volt Premier','','inherit','open','closed','','2016-chevrolet-volt-premier-2','','','2016-03-21 18:03:38','2016-03-21 22:03:38','',778,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-chevrolet-volt-premier-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(780,0,'2016-03-21 18:03:38','2016-03-21 22:03:38','','2016 Chevrolet Volt Premier','','inherit','open','closed','','2016-chevrolet-volt-premier-3','','','2016-03-21 18:03:38','2016-03-21 22:03:38','',778,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-chevrolet-volt-premier-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(781,0,'2016-03-21 18:03:38','2016-03-21 22:03:38','','2016 Chevrolet Volt Premier','','inherit','open','closed','','2016-chevrolet-volt-premier-3','','','2016-03-21 18:03:38','2016-03-21 22:03:38','',778,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-chevrolet-volt-premier-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(782,0,'2016-03-21 18:03:38','2016-03-21 22:03:38','','2016 Chevrolet Volt Premier','','inherit','open','closed','','2016-chevrolet-volt-premier-4','','','2016-03-21 18:03:38','2016-03-21 22:03:38','',778,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-chevrolet-volt-premier-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(783,1,'2016-03-21 17:29:51','2016-03-21 21:29:51','<p>Skinny basic cable was optioned by the CRTC nearly a year ago and finally entered the broadcast TV realm to mixed reviews. Some of the country&#8217;s major TV providers <a href=\"http://www.moneysense.ca/spend/shopping/skinny-basic-cable-packages-are-here/\" >revealed their bare-bones offerings last month</a>, in time for the March 1 mandated by the broadcast regulator. Just a few weeks later, the CRTC disclosed that they&#8217;d been hounded by <a href=\"http://www.moneysense.ca/spend/shopping/tv-customers-have-a-new-place-to-take-complaints/\" >more than 500 questions and complaints</a> about the slimmed down channel package. The grievances ranged from frustration at lack of choice, to extra fees paid on top of the supposed &#8220;bargain&#8221; price. If you&#8217;re thinking about trading in your expensive, souped-up cable package for the simpler subscription, keep in mind that most major providers charge extra fees for renting digital boxes (an expense that is often included in the cost of other premium offerings). Also, fair warning: The &#8220;pick and pay&#8221; and &#8220;theme pack&#8221; options add up quickly.</p>\n<p>Here&#8217;s how much the switch to skinny basic cable would cost for Rogers, Bell and Shaw customers. We had a look at the basic cost of skinny basic, plus what you&#8217;d pay if you added a sports and/or movies theme pack. Keep in mind that our cost calculations don&#8217;t include taxes, which may differ depending on which province you live in.</p>\n<h3><strong>Rogers* &#8220;Starter&#8221; package<br />\n</strong><strong>$24.99 for 35 channels</strong></h3>\n<p><strong>The Skinny:</strong> Rogers calls its <a href=\"https://www.rogers.com/consumer/tv/starter-package\" >skinny basic cable package</a> the &#8220;Starter&#8221; package. It costs $24.99 for 35 basic channels, but doesn&#8217;t include the cost to rent a digital box. That costs an additional $12.95 per month, which brings the total for a skinny package to $37.94 per month.</p>\n<p><strong>The Add-ons:</strong> If you add a sports theme pack, which includes an extra seven channels, you pay an additional $18 per month, bringing the total cost to $55.94 per month for 42 channels. Adding a movie package (which includes 10 channels like FX, AMC and MovieTime) costs a little less. You&#8217;d pay a total of $47.94 per month for 45 channels. Adding both theme packs would shoot up to $65.94 per month for 52 channels. Another option is to skip the themes altogether and add individual channels to your starter pack for anywhere between $2.79 and $19.95— but keep in mind that many popular channels are only available in packages and theme packs.</p>\n<p><strong>The Bottom Line:</strong> So, how does this compare to one of Rogers&#8217; existing packages? The next one up from the Starter package is &#8220;Basic TV,&#8221; which runs $40.48, plus an additional $12.95 for the digital box, bringing the totalto $53.43 for 112 channels, including plenty of sports offering and some movie and entertainment options.</p>\n<h3><strong>Bell &#8220;Starter&#8221; package<br />\n$24.95 for 26 channels</strong></h3>\n<p><strong>The Skinny:</strong> Bell&#8217;s <a href=\"http://www.bell.ca/Bell_TV/TV-Programming-Packages/Sports.tab#rsx-tab-icon-container\" >skinny basic package</a> is also called the &#8220;Starter&#8221; and costs $24.95 per month for 26 channels. This plan is in addition to the required HD receiver, which will set you back another $7 month. Stick to just the plain old skinny offering and you&#8217;ll be spending $31.95 monthly.</p>\n<p><strong>The Add-ons:</strong> Bell&#8217;s more robust sports theme pack offering includes a total of seven TSN and Sportsnet channels for $25 per month, meaning you&#8217;d pay $56.95 for 33 channels monthly. If you only want to add a bit of movie magic to your cable viewing experience, Bell&#8217;s Super Channel theme pack would cost $15 a month, meaning you&#8217;d pay a total of $46.95 monthly for 30 channels. Add both sports and movies and your monthly bill would skyrocket to a total of $71.95 a month for 37 channels. You can forgo the theme pack altogether and just stick to adding a channel here or there, a la carte for $4 or $7 each. Sports or movie channels are not offered a la carte.</p>\n<p><strong>The Bottom Line:</strong> Bell&#8217;s next cheapest cable TV package option, called &#8220;Good&#8221; (helpfully descriptive) would set you back $49.95 for 98 channels, including a full host of sports channels but no movie channels of note. The cost of the HD PVR equipment rental is included in the price.</p>\n<h3><strong>Shaw &#8220;Limited TV&#8221;<br />\n$25 for 39 channels</strong></h3>\n<p><strong>The Skinny:</strong> If you&#8217;re with Shaw, your <a href=\"https://www.shaw.ca/television/plans/\" >skinny basic cable package</a> option is called &#8220;Limited TV&#8221; and offers a total of 39 channels for $25 per month. The rental of an HD box is required for an extra $5 a month, meaning the true cost of Shaw&#8217;s skinny basic offering is $30 for 39 channels.</p>\n<p><strong>The Add-ons:</strong> Sports lovers can opt to spruce up their Limited TV viewing experience with an extra six channels for $8 a month, bringing your skinny basic bill to $38 monthly for 45 channels. If you&#8217;d rather up your movie intake (but don&#8217;t want Shomi), you can add an extra 10 channels for $6 a month, meaning you&#8217;d pay $36 monthly for 49 channels. Get both and pay a total of $44 per month for 55 channels. Individual channels cost just $3. As with other providers, it seems that popular sports and entertainment channels are only available as part of theme packs.</p>\n<p><strong>The Bottom Line:</strong> The next priciest plan on Shaw&#8217;s roster is called &#8220;Personal TV&#8221; and costs $43 per month (HD equipment included), and comes with six sports channels and no movie channels of note. This price excludes any promotional intro offers they may have going on, for consistency&#8217;s sake.</p>\n<h3>The verdict?</h3>\n<p>Whether you should switch to skinny basic or not relies solely on what you&#8217;re looking for when you collapse on the couch. Skinny basic is just that—pretty basic. The <a href=\"http://news.gc.ca/web/article-en.do?nid=952659\" >CRTC touted</a> that it would &#8220;maximize choice&#8221; and it does: It gives you the choice to downgrade and save if you want cable but spend most of your time soaking up the major Canadian networks. The fact is, if you want anything more than basic—movies, sports or otherwise—you&#8217;ll quickly find your cable bill climbing back up and over pre-skinny basic levels.</p>\n<p><em>*Full disclosure: Rogers is a parent company of MoneySense </em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/should-you-switch-to-skinny-basic-cable/\">Should you switch to skinny basic cable?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you switch to skinny basic cable?','<p>That depends on if bare-bones is all you want </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/should-you-switch-to-skinny-basic-cable/\">Should you switch to skinny basic cable?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-21 17:29:51','2016-03-21 21:29:51','',0,'http://www.moneysense.ca/?p=150378',0,'post','',0),(784,1,'2016-03-21 17:29:51','2016-03-21 21:29:51','<p>Skinny basic cable was optioned by the CRTC nearly a year ago and finally entered the broadcast TV realm to mixed reviews. Some of the country&#8217;s major TV providers <a href=\"http://www.moneysense.ca/spend/shopping/skinny-basic-cable-packages-are-here/\" >revealed their bare-bones offerings last month</a>, in time for the March 1 mandated by the broadcast regulator. Just a few weeks later, the CRTC disclosed that they&#8217;d been hounded by <a href=\"http://www.moneysense.ca/spend/shopping/tv-customers-have-a-new-place-to-take-complaints/\" >more than 500 questions and complaints</a> about the slimmed down channel package. The grievances ranged from frustration at lack of choice, to extra fees paid on top of the supposed &#8220;bargain&#8221; price. If you&#8217;re thinking about trading in your expensive, souped-up cable package for the simpler subscription, keep in mind that most major providers charge extra fees for renting digital boxes (an expense that is often included in the cost of other premium offerings). Also, fair warning: The &#8220;pick and pay&#8221; and &#8220;theme pack&#8221; options add up quickly.</p>\n<p>Here&#8217;s how much the switch to skinny basic cable would cost for Rogers, Bell and Shaw customers. We had a look at the basic cost of skinny basic, plus what you&#8217;d pay if you added a sports and/or movies theme pack. Keep in mind that our cost calculations don&#8217;t include taxes, which may differ depending on which province you live in.</p>\n<h3><strong>Rogers* &#8220;Starter&#8221; package<br />\n</strong><strong>$24.99 for 35 channels</strong></h3>\n<p><strong>The Skinny:</strong> Rogers calls its <a href=\"https://www.rogers.com/consumer/tv/starter-package\" >skinny basic cable package</a> the &#8220;Starter&#8221; package. It costs $24.99 for 35 basic channels, but doesn&#8217;t include the cost to rent a digital box. That costs an additional $12.95 per month, which brings the total for a skinny package to $37.94 per month.</p>\n<p><strong>The Add-ons:</strong> If you add a sports theme pack, which includes an extra seven channels, you pay an additional $18 per month, bringing the total cost to $55.94 per month for 42 channels. Adding a movie package (which includes 10 channels like FX, AMC and MovieTime) costs a little less. You&#8217;d pay a total of $47.94 per month for 45 channels. Adding both theme packs would shoot up to $65.94 per month for 52 channels. Another option is to skip the themes altogether and add individual channels to your starter pack for anywhere between $2.79 and $19.95— but keep in mind that many popular channels are only available in packages and theme packs.</p>\n<p><strong>The Bottom Line:</strong> So, how does this compare to one of Rogers&#8217; existing packages? The next one up from the Starter package is &#8220;Basic TV,&#8221; which runs $40.48, plus an additional $12.95 for the digital box, bringing the totalto $53.43 for 112 channels, including plenty of sports offering and some movie and entertainment options.</p>\n<h3><strong>Bell &#8220;Starter&#8221; package<br />\n$24.95 for 26 channels</strong></h3>\n<p><strong>The Skinny:</strong> Bell&#8217;s <a href=\"http://www.bell.ca/Bell_TV/TV-Programming-Packages/Sports.tab#rsx-tab-icon-container\" >skinny basic package</a> is also called the &#8220;Starter&#8221; and costs $24.95 per month for 26 channels. This plan is in addition to the required HD receiver, which will set you back another $7 month. Stick to just the plain old skinny offering and you&#8217;ll be spending $31.95 monthly.</p>\n<p><strong>The Add-ons:</strong> Bell&#8217;s more robust sports theme pack offering includes a total of seven TSN and Sportsnet channels for $25 per month, meaning you&#8217;d pay $56.95 for 33 channels monthly. If you only want to add a bit of movie magic to your cable viewing experience, Bell&#8217;s Super Channel theme pack would cost $15 a month, meaning you&#8217;d pay a total of $46.95 monthly for 30 channels. Add both sports and movies and your monthly bill would skyrocket to a total of $71.95 a month for 37 channels. You can forgo the theme pack altogether and just stick to adding a channel here or there, a la carte for $4 or $7 each. Sports or movie channels are not offered a la carte.</p>\n<p><strong>The Bottom Line:</strong> Bell&#8217;s next cheapest cable TV package option, called &#8220;Good&#8221; (helpfully descriptive) would set you back $49.95 for 98 channels, including a full host of sports channels but no movie channels of note. The cost of the HD PVR equipment rental is included in the price.</p>\n<h3><strong>Shaw &#8220;Limited TV&#8221;<br />\n$25 for 39 channels</strong></h3>\n<p><strong>The Skinny:</strong> If you&#8217;re with Shaw, your <a href=\"https://www.shaw.ca/television/plans/\" >skinny basic cable package</a> option is called &#8220;Limited TV&#8221; and offers a total of 39 channels for $25 per month. The rental of an HD box is required for an extra $5 a month, meaning the true cost of Shaw&#8217;s skinny basic offering is $30 for 39 channels.</p>\n<p><strong>The Add-ons:</strong> Sports lovers can opt to spruce up their Limited TV viewing experience with an extra six channels for $8 a month, bringing your skinny basic bill to $38 monthly for 45 channels. If you&#8217;d rather up your movie intake (but don&#8217;t want Shomi), you can add an extra 10 channels for $6 a month, meaning you&#8217;d pay $36 monthly for 49 channels. Get both and pay a total of $44 per month for 55 channels. Individual channels cost just $3. As with other providers, it seems that popular sports and entertainment channels are only available as part of theme packs.</p>\n<p><strong>The Bottom Line:</strong> The next priciest plan on Shaw&#8217;s roster is called &#8220;Personal TV&#8221; and costs $43 per month (HD equipment included), and comes with six sports channels and no movie channels of note. This price excludes any promotional intro offers they may have going on, for consistency&#8217;s sake.</p>\n<h3>The verdict?</h3>\n<p>Whether you should switch to skinny basic or not relies solely on what you&#8217;re looking for when you collapse on the couch. Skinny basic is just that—pretty basic. The <a href=\"http://news.gc.ca/web/article-en.do?nid=952659\" >CRTC touted</a> that it would &#8220;maximize choice&#8221; and it does: It gives you the choice to downgrade and save if you want cable but spend most of your time soaking up the major Canadian networks. The fact is, if you want anything more than basic—movies, sports or otherwise—you&#8217;ll quickly find your cable bill climbing back up and over pre-skinny basic levels.</p>\n<p><em>*Full disclosure: Rogers is a parent company of MoneySense </em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/should-you-switch-to-skinny-basic-cable/\">Should you switch to skinny basic cable?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you switch to skinny basic cable?','<p>That depends on if bare-bones is all you want </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/should-you-switch-to-skinny-basic-cable/\">Should you switch to skinny basic cable?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','783-revision-v1','','','2016-03-21 17:29:51','2016-03-21 21:29:51','',783,'http://feedwordpress.radgeek.com/?rev=b4dc412037f1205ef67182fc9098611c',0,'revision','',0),(785,1,'2016-02-29 13:00:30','2016-02-29 13:00:30','This Video Blog is about the new Infiniti Q50 and QX60 vehicles. New styling on one and new engines in the other.\nThe Infiniti, or Infinity, Q50 is the compact luxury sedan from Infiniti that competes with cars like the BMW 3 Series. This stylish car now gets three engine choices from a 2.0L turbo 4-cylinder, shared with Mercedes-Benz or a 300hp V6 and a 400hp V6. The new twin turbo V6 is a blast to drive and called Q50 Sport, the 400hp car is called the Q50 Red Sport 400. The Q50 is a 5-passenger premium sedan with good looks and impressive power.\nThe 2016 Infiniti QX60 is the updated three-row, seven-passenger crossover, or SUV vehicle, that is based on the Nissan Pathfinder. The Infiniti QX60 used to be called the Infiniti JX. For 2016 it gets a new look on the outside with a sleeker design. On the inside it gets a mild refresh but the same luxury refinement is still here.It is powered by a V6 engine to help get this people mover and minivan replacement down the road.\n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','Infiniti Q&amp;A  (Video Blog #46)','','publish','open','open','','infiniti-qa-video-blog-46','','','2016-02-29 13:00:30','2016-02-29 13:00:30','',0,'http://www.l2ocredit.com/2016/02/29/infiniti-qa-video-blog-46/',0,'post','',0),(786,0,'2016-03-21 18:20:16','2016-03-21 22:20:16','','Infiniti Q&amp;A  (Video Blog #46)','','inherit','open','closed','','infiniti-qa-video-blog-46-2','','','2016-03-21 18:20:16','2016-03-21 22:20:16','',785,'http://www.l2ocredit.com/wp-content/uploads/2016/03/infiniti-qa-video-blog-46-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(787,0,'2016-03-21 18:20:16','2016-03-21 22:20:16','','Infiniti Q&amp;A  (Video Blog #46)','','inherit','open','closed','','infiniti-qa-video-blog-46-3','','','2016-03-21 18:20:16','2016-03-21 22:20:16','',785,'http://www.l2ocredit.com/wp-content/uploads/2016/03/infiniti-qa-video-blog-46-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(788,1,'2016-03-07 15:31:18','2016-03-07 15:31:18','Full Review: https://www.youtube.com/watch?v=oR1Me...\nLike Us on Facebook! https://www.facebook.com/pages/Camero... \nFollow Us on Instagram: cameronscarreviews \nSnapchat: camscarreviews','2017 Hyundai Santa Fe Sport Walkaround, Interior, Exterior, &amp; Engine | CCR Walkarounds','','publish','open','open','','2017-hyundai-santa-fe-sport-walkaround-interior-exterior-engine-ccr-walkarounds','','','2016-03-07 15:31:18','2016-03-07 15:31:18','',0,'http://www.l2ocredit.com/2016/03/07/2017-hyundai-santa-fe-sport-walkaround-interior-exterior-engine-ccr-walkarounds/',0,'post','',0),(789,0,'2016-03-21 18:35:28','2016-03-21 22:35:28','','2017 Hyundai Santa Fe Sport Walkaround, Interior, Exterior, &amp; Engine | CCR Walkarounds','','inherit','open','closed','','2017-hyundai-santa-fe-sport-walkaround-interior-exterior-engine-ccr-walkarounds-2','','','2016-03-21 18:35:28','2016-03-21 22:35:28','',788,'http://www.l2ocredit.com/2016/03/07/2017-hyundai-santa-fe-sport-walkaround-interior-exterior-engine-ccr-walkarounds/2017-hyundai-santa-fe-sport-walkaround-interior-exterior-engine-ccr-walkarounds-2/',0,'attachment','image/jpeg',0),(790,1,'2016-02-23 11:00:01','2016-02-23 11:00:01','*Please use a mobile device for optimum viewing experience\n\nThe Lamborghini Huracán Spyder is an eyeball magnet, even in South Beach Miami where Lamborghinis are almost as abundant as power boats and gym memberships. While in town to review the Huracán Spyder, we stuck a 360° camera on the back and drove around the block. Judging by all the pictures-taking and comments the locals dig the open-air Huracán as much as we do. \n\nFor the full review, please visit: https://www.youtube.com/watch?v=LN7autjEVZo\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, and comparison tests. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb','360° Lamborghini Huracán Spyder - South Beach Miami','','publish','open','open','','360-lamborghini-huracan-spyder-south-beach-miami','','','2016-02-23 11:00:01','2016-02-23 11:00:01','',0,'http://www.l2ocredit.com/2016/02/23/360-lamborghini-huracan-spyder-south-beach-miami/',0,'post','',0),(791,0,'2016-03-21 19:20:55','2016-03-21 23:20:55','','360° Lamborghini Huracán Spyder &#8211; South Beach Miami','','inherit','open','closed','','360-lamborghini-huracan-spyder-south-beach-miami-2','','','2016-03-21 19:20:55','2016-03-21 23:20:55','',790,'http://www.l2ocredit.com/2016/02/23/360-lamborghini-huracan-spyder-south-beach-miami/360-lamborghini-huracan-spyder-south-beach-miami-2/',0,'attachment','image/jpeg',0),(792,1,'2016-03-03 09:01:44','2016-03-03 09:01:44','Move over Bugatti Chiron, the Koenigsegg Regera has arrived.\n\nFull story: http://www.autoguide.com/auto-news/2016/03/the-koenigsegg-regera-is-a-crazy-1500-hp-hybrid-megacar.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.','2017 Koenigsegg Regera First Look - 2016 Geneva Motor Show','','publish','open','open','','2017-koenigsegg-regera-first-look-2016-geneva-motor-show','','','2016-03-03 09:01:44','2016-03-03 09:01:44','',0,'http://www.l2ocredit.com/2016/03/03/2017-koenigsegg-regera-first-look-2016-geneva-motor-show/',0,'post','',0),(793,0,'2016-03-21 19:39:00','2016-03-21 23:39:00','','2017 Koenigsegg Regera First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-koenigsegg-regera-first-look-2016-geneva-motor-show-2','','','2016-03-21 19:39:00','2016-03-21 23:39:00','',792,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-koenigsegg-regera-first-look-2016-geneva-motor-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(794,0,'2016-03-21 19:39:01','2016-03-21 23:39:01','','2017 Koenigsegg Regera First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-koenigsegg-regera-first-look-2016-geneva-motor-show-3','','','2016-03-21 19:39:01','2016-03-21 23:39:01','',792,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-koenigsegg-regera-first-look-2016-geneva-motor-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(795,1,'2016-03-02 15:00:30','2016-03-02 15:00:30','The second vehicle from Cadillac to focus heavily on mass reduction, the 2017 Cadillac XT5 turns up on our doorstep. MotoMan covers an entirely new 3.6 V6 engine as well points out some of the key differences in the light weight technology between this Cadillac XT5 and the also new Cadillac CT6. Additionally, he covers some of the key design elements and the interior in advance of the FIRST DRIVE REVIEW . . .\n\nFor more information, check out our 2017 Cadillac XT5 FIRST DRIVE REVIEW @ https://www.youtube.com/watch?v=DsC3CxXZryY\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nDownload our MotoManTV App!\n\niTunes/iOS:\nhttps://itunes.apple.com/us/app/motom...\n\nGoogle Play/Android: https://play.google.com/store/apps/de...\n\nTWICE A WEEK, MotoMan you on car guy adventures like going behind the scenes and hands on at factories, design studios and race tracks to unique driving experiences – everything from the latest cars to military prototype vehicles.\n\nEACH 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\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_c...\n\nCheck out our Cadillac Playlist:\nhttps://www.youtube.com/playlist?list...\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nInstagram – http://instagram.com/motomantv\n\nWebsite - http://www.MotoMan.TV','2017 Cadillac XT5 TECH REVIEW  (1 of 2)','','publish','open','open','','2017-cadillac-xt5-tech-review-1-of-2','','','2016-03-02 15:00:30','2016-03-02 15:00:30','',0,'http://www.l2ocredit.com/2016/03/02/2017-cadillac-xt5-tech-review-1-of-2/',0,'post','',0),(796,0,'2016-03-21 19:56:36','2016-03-21 23:56:36','','2017 Cadillac XT5 TECH REVIEW  (1 of 2)','','inherit','open','closed','','2017-cadillac-xt5-tech-review-1-of-2-2','','','2016-03-21 19:56:36','2016-03-21 23:56:36','',795,'http://www.l2ocredit.com/2016/03/02/2017-cadillac-xt5-tech-review-1-of-2/2017-cadillac-xt5-tech-review-1-of-2-2/',0,'attachment','image/jpeg',0),(797,1,'2016-02-29 13:00:02','2016-02-29 13:00:02','For 2016 Infiniti drops three new turbo engines into the Q50. In this video we sample the all-new 400 HP twin-turbo V6 but we also chat about the 208HP base engine and the 300HP turbo model as well. \n\nMore videos: http://goo.gl/Kj1FlI\nBest cars in 2016: http://goo.gl/3xAVJi\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nThe Mountain Garden: http://goo.gl/icFWcd','2016 Infiniti Q50 Red Sport 400 Review and Road Test In 4K UHD!','','publish','open','open','','2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd','','','2016-02-29 13:00:02','2016-02-29 13:00:02','',0,'http://www.l2ocredit.com/2016/02/29/2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd/',0,'post','',0),(798,0,'2016-03-21 20:13:36','2016-03-22 00:13:36','','2016 Infiniti Q50 Red Sport 400 Review and Road Test In 4K UHD!','','inherit','open','closed','','2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-2','','','2016-03-21 20:13:36','2016-03-22 00:13:36','',797,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(799,0,'2016-03-21 20:13:37','2016-03-22 00:13:37','','2016 Infiniti Q50 Red Sport 400 Review and Road Test In 4K UHD!','','inherit','open','closed','','2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-3','','','2016-03-21 20:13:37','2016-03-22 00:13:37','',797,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(800,0,'2016-03-21 20:13:37','2016-03-22 00:13:37','','2016 Infiniti Q50 Red Sport 400 Review and Road Test In 4K UHD!','','inherit','open','closed','','2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-3','','','2016-03-21 20:13:37','2016-03-22 00:13:37','',797,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(801,0,'2016-03-21 20:13:38','2016-03-22 00:13:38','','2016 Infiniti Q50 Red Sport 400 Review and Road Test In 4K UHD!','','inherit','open','closed','','2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-4','','','2016-03-21 20:13:38','2016-03-22 00:13:38','',797,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(802,0,'2016-03-21 20:13:38','2016-03-22 00:13:38','','2016 Infiniti Q50 Red Sport 400 Review and Road Test In 4K UHD!','','inherit','open','closed','','2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-5','','','2016-03-21 20:13:38','2016-03-22 00:13:38','',797,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-q50-red-sport-400-review-and-road-test-in-4k-uhd-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(803,1,'2016-03-03 15:00:03','2016-03-03 15:00:03','The Toyota Tundra is no longer a bit-player in the pickup truck market. Full story: http://wp.me/p3LQCT-112i\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','Pickup Review | 2016 Toyota Tundra | Driving.ca','','publish','open','open','','pickup-review-2016-toyota-tundra-driving-ca','','','2016-03-03 15:00:03','2016-03-03 15:00:03','',0,'http://www.l2ocredit.com/2016/03/03/pickup-review-2016-toyota-tundra-driving-ca/',0,'post','',0),(804,0,'2016-03-21 20:30:16','2016-03-22 00:30:16','','Pickup Review | 2016 Toyota Tundra | Driving.ca','','inherit','open','closed','','pickup-review-2016-toyota-tundra-driving-ca-2','','','2016-03-21 20:30:16','2016-03-22 00:30:16','',803,'http://www.l2ocredit.com/wp-content/uploads/2016/03/pickup-review-2016-toyota-tundra-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(805,0,'2016-03-21 20:30:16','2016-03-22 00:30:16','','Pickup Review | 2016 Toyota Tundra | Driving.ca','','inherit','open','closed','','pickup-review-2016-toyota-tundra-driving-ca-2','','','2016-03-21 20:30:16','2016-03-22 00:30:16','',803,'http://www.l2ocredit.com/wp-content/uploads/2016/03/pickup-review-2016-toyota-tundra-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(806,0,'2016-03-21 20:30:16','2016-03-22 00:30:16','','Pickup Review | 2016 Toyota Tundra | Driving.ca','','inherit','open','closed','','pickup-review-2016-toyota-tundra-driving-ca-2','','','2016-03-21 20:30:16','2016-03-22 00:30:16','',803,'http://www.l2ocredit.com/wp-content/uploads/2016/03/pickup-review-2016-toyota-tundra-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(807,0,'2016-03-21 20:30:17','2016-03-22 00:30:17','','Pickup Review | 2016 Toyota Tundra | Driving.ca','','inherit','open','closed','','pickup-review-2016-toyota-tundra-driving-ca-3','','','2016-03-21 20:30:17','2016-03-22 00:30:17','',803,'http://www.l2ocredit.com/wp-content/uploads/2016/03/pickup-review-2016-toyota-tundra-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(808,0,'2016-03-21 20:30:17','2016-03-22 00:30:17','','Pickup Review | 2016 Toyota Tundra | Driving.ca','','inherit','open','closed','','pickup-review-2016-toyota-tundra-driving-ca-4','','','2016-03-21 20:30:17','2016-03-22 00:30:17','',803,'http://www.l2ocredit.com/wp-content/uploads/2016/03/pickup-review-2016-toyota-tundra-driving-ca-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(809,1,'2016-02-11 05:18:40','2016-02-11 05:18:40','Volvo raises the ability to get a sedan filthy to new heights, just don’t expect to haul much camping gear.','2016 Volvo S60 Cross Country','','publish','open','open','','2016-volvo-s60-cross-country','','','2016-02-11 05:18:40','2016-02-11 05:18:40','',0,'http://www.l2ocredit.com/2016/02/11/2016-volvo-s60-cross-country/',0,'post','',0),(810,0,'2016-03-21 20:59:24','2016-03-22 00:59:24','','2016 Volvo S60 Cross Country','','inherit','open','closed','','2016-volvo-s60-cross-country-2','','','2016-03-21 20:59:24','2016-03-22 00:59:24','',809,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-volvo-s60-cross-country-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(811,0,'2016-03-21 20:59:24','2016-03-22 00:59:24','','2016 Volvo S60 Cross Country','','inherit','open','closed','','2016-volvo-s60-cross-country-2','','','2016-03-21 20:59:24','2016-03-22 00:59:24','',809,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-volvo-s60-cross-country-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(812,0,'2016-03-21 20:59:24','2016-03-22 00:59:24','','2016 Volvo S60 Cross Country','','inherit','open','closed','','2016-volvo-s60-cross-country-2','','','2016-03-21 20:59:24','2016-03-22 00:59:24','',809,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-volvo-s60-cross-country-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(813,0,'2016-03-21 20:59:25','2016-03-22 00:59:25','','2016 Volvo S60 Cross Country','','inherit','open','closed','','2016-volvo-s60-cross-country-3','','','2016-03-21 20:59:25','2016-03-22 00:59:25','',809,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-volvo-s60-cross-country-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(814,0,'2016-03-21 20:59:25','2016-03-22 00:59:25','','2016 Volvo S60 Cross Country','','inherit','open','closed','','2016-volvo-s60-cross-country-4','','','2016-03-21 20:59:25','2016-03-22 00:59:25','',809,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-volvo-s60-cross-country-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(815,1,'2016-02-29 13:00:01','2016-02-29 13:00:01','The Infiniti, or Infinity, Q50 is the compact luxury sedan from Infiniti that competes with cars like the BMW 3 Series. This stylish car now gets three engine choices from a 2.0L turbo 4-cylinder, shared with Mercedes-Benz or a 300hp V6 and a 400hp V6. The new twin turbo V6 is a blast to drive and called Q50 Sport, the 400hp car is called the Q50 Red Sport 400. The Q50 is a 5-passenger premium sedan with good looks and impressive power.\n\nCompetitors to the Infiniti Q50 are the # Series from BMW, the Mercedes-Benz C-Class and the Audi A4, along with others like the  Jaguar XF, the Audi A7,  Tesla Model S, Mercedes E-Class, Mercedes S-Class, Mercedes GLE, Mercedes, Mercedes GL, Mercedes G, BMW 5 Series, BMW 7 Series, BMW 6 Series, BMW X5, BMW i8, BMW i3, Audi A6, Audi A7, Audi A8, Audi Q5, Audi Q6, Audi Q7, Audi E-tron, Audi electric SUV, Volvo XC60, Volvo XC90, Lexus LS450h, Lexus GS, Lexus LX, Infiniti Q70, Infiniti QX70, Acura RL, Acura RLX, Jaguar XF, Jaguar XJ, Jaguar F-Pace, Jaguar XE, Cadillac CTS, Cadillac ELR, cadillac CT6, Genesis, Aston Martin, Porsche Panamera, Lincoln MKS, Lincoln MKC, Lincoln MKZ, Land Rover Discovery Sport, Land Rover Discovery, Range Rover Sport, Range Rover, \n\n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','2016 Infiniti Q50 Review-Now with 400hp!!','','publish','open','open','','2016-infiniti-q50-review-now-with-400hp','','','2016-02-29 13:00:01','2016-02-29 13:00:01','',0,'http://www.l2ocredit.com/2016/02/29/2016-infiniti-q50-review-now-with-400hp/',0,'post','',0),(816,0,'2016-03-21 21:19:33','2016-03-22 01:19:33','','2016 Infiniti Q50 Review-Now with 400hp!!','','inherit','open','closed','','2016-infiniti-q50-review-now-with-400hp-2','','','2016-03-21 21:19:33','2016-03-22 01:19:33','',815,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-q50-review-now-with-400hp-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(817,0,'2016-03-21 21:19:33','2016-03-22 01:19:33','','2016 Infiniti Q50 Review-Now with 400hp!!','','inherit','open','closed','','2016-infiniti-q50-review-now-with-400hp-2','','','2016-03-21 21:19:33','2016-03-22 01:19:33','',815,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-q50-review-now-with-400hp-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(818,1,'2016-03-07 01:48:25','2016-03-07 01:48:25','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nFollow Us on Instagram: cameronscarreviews \nSnapchat: camscarreviews','IMPORTANT UPDATE- Camerons Car Reviews','','publish','open','open','','important-update-camerons-car-reviews','','','2016-03-07 01:48:25','2016-03-07 01:48:25','',0,'http://www.l2ocredit.com/2016/03/07/important-update-camerons-car-reviews/',0,'post','',0),(819,0,'2016-03-21 21:38:00','2016-03-22 01:38:00','','IMPORTANT UPDATE- Camerons Car Reviews','','inherit','open','closed','','important-update-camerons-car-reviews-2','','','2016-03-21 21:38:00','2016-03-22 01:38:00','',818,'http://www.l2ocredit.com/wp-content/uploads/2016/03/important-update-camerons-car-reviews-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(820,0,'2016-03-21 21:38:00','2016-03-22 01:38:00','','IMPORTANT UPDATE- Camerons Car Reviews','','inherit','open','closed','','important-update-camerons-car-reviews-3','','','2016-03-21 21:38:00','2016-03-22 01:38:00','',818,'http://www.l2ocredit.com/wp-content/uploads/2016/03/important-update-camerons-car-reviews-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(821,0,'2016-03-21 21:38:02','2016-03-22 01:38:02','','IMPORTANT UPDATE- Camerons Car Reviews','','inherit','open','closed','','important-update-camerons-car-reviews-4','','','2016-03-21 21:38:02','2016-03-22 01:38:02','',818,'http://www.l2ocredit.com/wp-content/uploads/2016/03/important-update-camerons-car-reviews-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(822,0,'2016-03-21 21:38:04','2016-03-22 01:38:04','','IMPORTANT UPDATE- Camerons Car Reviews','','inherit','open','closed','','important-update-camerons-car-reviews-5','','','2016-03-21 21:38:04','2016-03-22 01:38:04','',818,'http://www.l2ocredit.com/wp-content/uploads/2016/03/important-update-camerons-car-reviews-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(823,1,'2016-02-22 11:00:01','2016-02-22 11:00:01','We’ve already driven and loved the fixed-roof Huracan. But does removing the roof help or hinder this supercar’s curb appeal? Join KBB’s Micah Muzio to find out.  \n\nFor the latest Lamborghini Huracan pricing and information:\nhttp://www.kbb.com/lamborghini/huraca...\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, and comparison tests. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_c...\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2016 Lamborghini Huracan Spyder - Review and Road Test','','publish','open','open','','2016-lamborghini-huracan-spyder-review-and-road-test','','','2016-02-22 11:00:01','2016-02-22 11:00:01','',0,'http://www.l2ocredit.com/2016/02/22/2016-lamborghini-huracan-spyder-review-and-road-test/',0,'post','',0),(824,0,'2016-03-21 22:30:30','2016-03-22 02:30:30','','2016 Lamborghini Huracan Spyder &#8211; Review and Road Test','','inherit','open','closed','','2016-lamborghini-huracan-spyder-review-and-road-test-2','','','2016-03-21 22:30:30','2016-03-22 02:30:30','',823,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-lamborghini-huracan-spyder-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(825,0,'2016-03-21 22:30:30','2016-03-22 02:30:30','','2016 Lamborghini Huracan Spyder &#8211; Review and Road Test','','inherit','open','closed','','2016-lamborghini-huracan-spyder-review-and-road-test-3','','','2016-03-21 22:30:30','2016-03-22 02:30:30','',823,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-lamborghini-huracan-spyder-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(826,0,'2016-03-21 22:30:31','2016-03-22 02:30:31','','2016 Lamborghini Huracan Spyder &#8211; Review and Road Test','','inherit','open','closed','','2016-lamborghini-huracan-spyder-review-and-road-test-4','','','2016-03-21 22:30:31','2016-03-22 02:30:31','',823,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-lamborghini-huracan-spyder-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(827,0,'2016-03-21 22:30:31','2016-03-22 02:30:31','','2016 Lamborghini Huracan Spyder &#8211; Review and Road Test','','inherit','open','closed','','2016-lamborghini-huracan-spyder-review-and-road-test-5','','','2016-03-21 22:30:31','2016-03-22 02:30:31','',823,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-lamborghini-huracan-spyder-review-and-road-test-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(828,1,'2016-03-03 01:45:53','2016-03-03 01:45:53','If the Fiat 124 Spider is a bit too tame for you, perhaps the Abarth 124 Spider is more fitting.\n\nFull story: http://www.autoguide.com/auto-news/2016/03/abarth-124-spider-bows-with-aggressive-styling-and-170-hp.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.','2017 Fiat Abarth 124 Spider First Look - 2016 Geneva Motor Show','','publish','open','open','','2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show','','','2016-03-03 01:45:53','2016-03-03 01:45:53','',0,'http://www.l2ocredit.com/2016/03/03/2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show/',0,'post','',0),(829,0,'2016-03-21 22:46:01','2016-03-22 02:46:01','','2017 Fiat Abarth 124 Spider First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-2','','','2016-03-21 22:46:01','2016-03-22 02:46:01','',828,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(830,0,'2016-03-21 22:46:01','2016-03-22 02:46:01','','2017 Fiat Abarth 124 Spider First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-2','','','2016-03-21 22:46:01','2016-03-22 02:46:01','',828,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(831,0,'2016-03-21 22:46:01','2016-03-22 02:46:01','','2017 Fiat Abarth 124 Spider First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-3','','','2016-03-21 22:46:01','2016-03-22 02:46:01','',828,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(832,0,'2016-03-21 22:46:01','2016-03-22 02:46:01','','2017 Fiat Abarth 124 Spider First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-4','','','2016-03-21 22:46:01','2016-03-22 02:46:01','',828,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(833,0,'2016-03-21 22:46:01','2016-03-22 02:46:01','','2017 Fiat Abarth 124 Spider First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-5','','','2016-03-21 22:46:01','2016-03-22 02:46:01','',828,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(834,0,'2016-03-21 22:46:01','2016-03-22 02:46:01','','2017 Fiat Abarth 124 Spider First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-6','','','2016-03-21 22:46:01','2016-03-22 02:46:01','',828,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(835,0,'2016-03-21 22:46:01','2016-03-22 02:46:01','','2017 Fiat Abarth 124 Spider First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-7','','','2016-03-21 22:46:01','2016-03-22 02:46:01','',828,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(836,0,'2016-03-21 22:46:01','2016-03-22 02:46:01','','2017 Fiat Abarth 124 Spider First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-8','','','2016-03-21 22:46:01','2016-03-22 02:46:01','',828,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-fiat-abarth-124-spider-first-look-2016-geneva-motor-show-youtube-thumbnail-6.jpg',0,'attachment','image/jpeg',0),(837,1,'2016-02-27 23:00:45','2016-02-27 23:00:45','MotoMan drives the Mercedes Benz SL63 AMG – a 577 HP twin turbo V8 with an inventive folding roof. However, for 2017, Mercedes Benz and AMG have made a number of changes to the old girl – yes, some flashy new looks, a revised transmission but most importantly, borrowed a page out of the old hot rodders book with a mechanical rear differential – for this Mercedes AMG convertible with 664 pounds of thrust . . . MotoMan finds fitting roads outside of San Diego, California to find out if this racer trick makes a difference on this Mercedes Benz luxury GT convertible . . .\n \nFor more information, check out our full 2017 #Mercedes #Benz #SL Series TECH REVIEW https://www.youtube.com/watch?v=SJPTmhfLcV8\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n \nTWICE A WEEK, MotoMan you on car guy adventures like going behind the scenes and hands on at factories, design studios and race tracks to unique driving experiences – everything from the latest cars to military prototype vehicles.\n \nEACH 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 \nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_c...\n \nDownload our MotoManTV App!\n \niTunes/iOS:\nhttps://itunes.apple.com/us/app/motom...\n \nGoogle Play/Android: https://play.google.com/store/apps/de...\n \nCheck out our Mercedes Playlist:\nhttps://www.youtube.com/playlist?list...\n \nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nInstagram – http://instagram.com/motomantv\n \nWebsite - http://www.MotoMan.TV\n \nNEW MUSIC including Son of a Rocket and Raw by Kevin MacLeod/incompetech.com &amp; Jahzzar','2017 Mercedes Benz SL63 AMG FIRST DRIVE REVIEW (2 of 3)','','publish','open','open','','2017-mercedes-benz-sl63-amg-first-drive-review-2-of-3','','','2016-02-27 23:00:45','2016-02-27 23:00:45','',0,'http://www.l2ocredit.com/2016/02/27/2017-mercedes-benz-sl63-amg-first-drive-review-2-of-3/',0,'post','',0),(838,0,'2016-03-21 23:28:12','2016-03-22 03:28:12','','2017 Mercedes Benz SL63 AMG FIRST DRIVE REVIEW (2 of 3)','','inherit','open','closed','','2017-mercedes-benz-sl63-amg-first-drive-review-2-of-3-2','','','2016-03-21 23:28:12','2016-03-22 03:28:12','',837,'http://www.l2ocredit.com/2016/02/27/2017-mercedes-benz-sl63-amg-first-drive-review-2-of-3/2017-mercedes-benz-sl63-amg-first-drive-review-2-of-3-2/',0,'attachment','image/jpeg',0),(839,1,'2016-02-28 00:26:23','2016-02-28 00:26:23','For 2016 Infiniti refreshed the QX60 with a more luxurious interior, a new front end and a re-tuned suspension. Although it\'s not as sporty as the X5 it\'s refreshing to see a family friendly luxury crossover with a great highway ride. \n\nMore videos: http://goo.gl/Kj1FlI\nBest cars in 2016: http://goo.gl/3xAVJi\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nThe Mountain Garden: http://goo.gl/icFWcd','2016 Infiniti QX60 First Drive Review','','publish','open','open','','2016-infiniti-qx60-first-drive-review','','','2016-02-28 00:26:23','2016-02-28 00:26:23','',0,'http://www.l2ocredit.com/2016/02/28/2016-infiniti-qx60-first-drive-review/',0,'post','',0),(840,0,'2016-03-22 00:09:46','2016-03-22 04:09:46','','2016 Infiniti QX60 First Drive Review','','inherit','open','closed','','2016-infiniti-qx60-first-drive-review-2','','','2016-03-22 00:09:46','2016-03-22 04:09:46','',839,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-qx60-first-drive-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(841,0,'2016-03-22 00:09:46','2016-03-22 04:09:46','','2016 Infiniti QX60 First Drive Review','','inherit','open','closed','','2016-infiniti-qx60-first-drive-review-3','','','2016-03-22 00:09:46','2016-03-22 04:09:46','',839,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-qx60-first-drive-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(842,0,'2016-03-22 00:09:47','2016-03-22 04:09:47','','2016 Infiniti QX60 First Drive Review','','inherit','open','closed','','2016-infiniti-qx60-first-drive-review-4','','','2016-03-22 00:09:47','2016-03-22 04:09:47','',839,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-qx60-first-drive-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(843,1,'2016-02-26 15:00:01','2016-02-26 15:00:01','The Mini 5-Door doesn\'t have AWD or big ground clearance. How does it cope with Canadian winter? Full Story: http://wp.me/p3LQCT-110G\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','Car Review | 2016 Mini Cooper five door | Driving.ca','','publish','open','open','','car-review-2016-mini-cooper-five-door-driving-ca','','','2016-02-26 15:00:01','2016-02-26 15:00:01','',0,'http://www.l2ocredit.com/2016/02/26/car-review-2016-mini-cooper-five-door-driving-ca/',0,'post','',0),(844,0,'2016-03-22 02:19:29','2016-03-22 06:19:29','','Car Review | 2016 Mini Cooper five door | Driving.ca','','inherit','open','closed','','car-review-2016-mini-cooper-five-door-driving-ca-2','','','2016-03-22 02:19:29','2016-03-22 06:19:29','',843,'http://www.l2ocredit.com/wp-content/uploads/2016/03/car-review-2016-mini-cooper-five-door-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(845,0,'2016-03-22 02:19:29','2016-03-22 06:19:29','','Car Review | 2016 Mini Cooper five door | Driving.ca','','inherit','open','closed','','car-review-2016-mini-cooper-five-door-driving-ca-3','','','2016-03-22 02:19:29','2016-03-22 06:19:29','',843,'http://www.l2ocredit.com/wp-content/uploads/2016/03/car-review-2016-mini-cooper-five-door-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(846,0,'2016-03-22 02:19:29','2016-03-22 06:19:29','','Car Review | 2016 Mini Cooper five door | Driving.ca','','inherit','open','closed','','car-review-2016-mini-cooper-five-door-driving-ca-3','','','2016-03-22 02:19:29','2016-03-22 06:19:29','',843,'http://www.l2ocredit.com/wp-content/uploads/2016/03/car-review-2016-mini-cooper-five-door-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(847,0,'2016-03-22 02:19:29','2016-03-22 06:19:29','','Car Review | 2016 Mini Cooper five door | Driving.ca','','inherit','open','closed','','car-review-2016-mini-cooper-five-door-driving-ca-4','','','2016-03-22 02:19:29','2016-03-22 06:19:29','',843,'http://www.l2ocredit.com/wp-content/uploads/2016/03/car-review-2016-mini-cooper-five-door-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(848,1,'2016-02-02 16:35:12','2016-02-02 16:35:12','Mercedes-Benz replaces the K with a C with its new mid-sized crossover. The result is straight A’s.','2016 Mercedes-Benz GLC300','','publish','open','open','','2016-mercedes-benz-glc300','','','2016-02-02 16:35:12','2016-02-02 16:35:12','',0,'http://www.l2ocredit.com/2016/02/02/2016-mercedes-benz-glc300/',0,'post','',0),(849,0,'2016-03-22 02:36:08','2016-03-22 06:36:08','','2016 Mercedes-Benz GLC300','','inherit','open','closed','','2016-mercedes-benz-glc300-2','','','2016-03-22 02:36:08','2016-03-22 06:36:08','',848,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-mercedes-benz-glc300-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(850,1,'2016-02-28 00:21:11','2016-02-28 00:21:11','The 2016 Infiniti QX60 is the updated three-row, seven-passenger crossover, or SUV vehicle, that is based on the Nissan Pathfinder. The Infiniti QX60 used to be called the Infiniti JX. For 2016 it gets a new look on the outside with a sleeker design. On the inside it gets a mild refresh but the same luxury refinement is still here.It is powered by a V6 engine to help get this people mover and minivan replacement down the road.\n\nThe all-new Volvo XC90 is a five or seven passenger mid-to-full-size luxury SUV. The Swedish design comes through with beautiful exterior and interior finish and room for up to 7-passengers. Equipped with a supercharged and turbocharged 4-cylinder engine, the Volvo XC90 T6 is a powerful machine. The Volvo XC90 T8 is a plug-in electric hybrid vehicle with over 400hp. Is this the return of Volvo into the Canadian market, have a look.\n\n\nCompetitors to the Infiniti QX60 are the Volvo XC90, the Land Rover Discovery Sport, Lexus RX, Mercedes GLE Coupe, Mercedes-Benz GLE, Mercedes GLE, Mercedes M-Class, Mercedes ML-Class, Mercedes GLK, Mercedes GLC, Mercedes GLA, Mercedes GL, Mercedes G, BMW X5, BMW X6, BMW X3, BMW X1, Audi Q3, Audi Q5, Audi Q7, Audi Q6, Audi A7, BMW 5 Series GT. Other vehciles to consider are the new BMW 4 Series GT, BMW 3 Series GT, Infiniti QX70, Infiniti QX70, Volvo CX60, Volvo CX90, Lexus RX350, Lexus GX, Lexus LX, Porsche Cayenne, Porsche Macan, Range Rover Sport, Range Rover, Land Rover Discovery Sport, Land Rover Discovery, Land Rover LR4, Range Rover Evoque, Acura MDX, Acura RDX, Lincoln MKX, Lincoln MKC, Cadillac SRX, Jeep Grand Cherokee, VW Touareg and Volkswagen Touareg.\n\n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','2016 Infiniti QX60 Review  -New, Sleeker design','','publish','open','open','','2016-infiniti-qx60-review-new-sleeker-design','','','2016-02-28 00:21:11','2016-02-28 00:21:11','',0,'http://www.l2ocredit.com/2016/02/28/2016-infiniti-qx60-review-new-sleeker-design/',0,'post','',0),(851,0,'2016-03-22 03:39:34','2016-03-22 07:39:34','','2016 Infiniti QX60 Review  -New, Sleeker design','','inherit','open','closed','','2016-infiniti-qx60-review-new-sleeker-design-2','','','2016-03-22 03:39:34','2016-03-22 07:39:34','',850,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-qx60-review-new-sleeker-design-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(852,0,'2016-03-22 03:39:34','2016-03-22 07:39:34','','2016 Infiniti QX60 Review  -New, Sleeker design','','inherit','open','closed','','2016-infiniti-qx60-review-new-sleeker-design-3','','','2016-03-22 03:39:34','2016-03-22 07:39:34','',850,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-qx60-review-new-sleeker-design-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(853,0,'2016-03-22 03:39:34','2016-03-22 07:39:34','','2016 Infiniti QX60 Review  -New, Sleeker design','','inherit','open','closed','','2016-infiniti-qx60-review-new-sleeker-design-4','','','2016-03-22 03:39:34','2016-03-22 07:39:34','',850,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-infiniti-qx60-review-new-sleeker-design-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(854,1,'2016-03-06 22:59:20','2016-03-06 22:59:20','Full Review:https://www.youtube.com/watch?v=IVgjLDeF10I \nLike Us on Facebook! https://www.facebook.com/pages/Camero... \nFollow Us on Instagram: cameronscarreviews \nSnapchat: camscarreviews','2017 Kia Sportage EX Walkaround, Exterior, Interior, and Engine | CCR Walkarounds','','publish','open','open','','2017-kia-sportage-ex-walkaround-exterior-interior-and-engine-ccr-walkarounds','','','2016-03-06 22:59:20','2016-03-06 22:59:20','',0,'http://www.l2ocredit.com/2016/03/06/2017-kia-sportage-ex-walkaround-exterior-interior-and-engine-ccr-walkarounds/',0,'post','',0),(855,0,'2016-03-22 03:55:23','2016-03-22 07:55:23','','2017 Kia Sportage EX Walkaround, Exterior, Interior, and Engine | CCR Walkarounds','','inherit','open','closed','','2017-kia-sportage-ex-walkaround-exterior-interior-and-engine-ccr-walkarounds-2','','','2016-03-22 03:55:23','2016-03-22 07:55:23','',854,'http://www.l2ocredit.com/2016/03/06/2017-kia-sportage-ex-walkaround-exterior-interior-and-engine-ccr-walkarounds/2017-kia-sportage-ex-walkaround-exterior-interior-and-engine-ccr-walkarounds-2/',0,'attachment','image/jpeg',0),(856,1,'2016-02-29 01:00:00','2016-02-29 01:00:00','Over the past year we\'ve had to say goodbye to a number of cars. Some left before their time, some stayed longer than we ever could have imagined. But in the end, we\'ll always have the memories...for better or worse. This is Kelley Blue Book\'s farewell to the cars we lost for 2016. \n\nTo see last year\'s list, please visit: \nhttps://www.youtube.com/edit?video_id=q4v1x4ggWBU&amp;video_referrer=watch\n\nKelley Blue Book is your source for new car reviews, features, auto show videos and comparison tests. Subscribe to catch all the latest Kelley Blue Book video reviews. \nhttp://www.youtube.com/subscription_center?add_user=kbb','In Memoriam 2016 - Farewell to the Cars We Lost','','publish','open','open','','in-memoriam-2016-farewell-to-the-cars-we-lost','','','2016-02-29 01:00:00','2016-02-29 01:00:00','',0,'http://www.l2ocredit.com/2016/02/29/in-memoriam-2016-farewell-to-the-cars-we-lost/',0,'post','',0),(857,0,'2016-03-22 04:21:51','2016-03-22 08:21:51','','In Memoriam 2016 &#8211; Farewell to the Cars We Lost','','inherit','open','closed','','in-memoriam-2016-farewell-to-the-cars-we-lost-2','','','2016-03-22 04:21:51','2016-03-22 08:21:51','',856,'http://www.l2ocredit.com/wp-content/uploads/2016/03/in-memoriam-2016-farewell-to-the-cars-we-lost-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(858,0,'2016-03-22 04:21:52','2016-03-22 08:21:52','','In Memoriam 2016 &#8211; Farewell to the Cars We Lost','','inherit','open','closed','','in-memoriam-2016-farewell-to-the-cars-we-lost-3','','','2016-03-22 04:21:52','2016-03-22 08:21:52','',856,'http://www.l2ocredit.com/wp-content/uploads/2016/03/in-memoriam-2016-farewell-to-the-cars-we-lost-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(859,1,'2016-03-03 00:14:28','2016-03-03 00:14:28','Maserati is following the trend and jumping into the SUV market with the all-new Levante.\n\nFull story: http://www.autoguide.com/auto-news/2016/03/maserati-levante-jumps-on-the-luxury-suv-bandwagon.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.','2017 Maserati Levante First Look - 2016 Geneva Motor Show','','publish','open','open','','2017-maserati-levante-first-look-2016-geneva-motor-show','','','2016-03-03 00:14:28','2016-03-03 00:14:28','',0,'http://www.l2ocredit.com/2016/03/03/2017-maserati-levante-first-look-2016-geneva-motor-show/',0,'post','',0),(860,0,'2016-03-22 04:47:35','2016-03-22 08:47:35','','2017 Maserati Levante First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-maserati-levante-first-look-2016-geneva-motor-show-2','','','2016-03-22 04:47:35','2016-03-22 08:47:35','',859,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-maserati-levante-first-look-2016-geneva-motor-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(861,0,'2016-03-22 04:47:35','2016-03-22 08:47:35','','2017 Maserati Levante First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-maserati-levante-first-look-2016-geneva-motor-show-3','','','2016-03-22 04:47:35','2016-03-22 08:47:35','',859,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-maserati-levante-first-look-2016-geneva-motor-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(862,0,'2016-03-22 04:47:35','2016-03-22 08:47:35','','2017 Maserati Levante First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-maserati-levante-first-look-2016-geneva-motor-show-4','','','2016-03-22 04:47:35','2016-03-22 08:47:35','',859,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-maserati-levante-first-look-2016-geneva-motor-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(863,0,'2016-03-22 04:47:35','2016-03-22 08:47:35','','2017 Maserati Levante First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-maserati-levante-first-look-2016-geneva-motor-show-5','','','2016-03-22 04:47:35','2016-03-22 08:47:35','',859,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-maserati-levante-first-look-2016-geneva-motor-show-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(864,0,'2016-03-22 04:47:35','2016-03-22 08:47:35','','2017 Maserati Levante First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-maserati-levante-first-look-2016-geneva-motor-show-6','','','2016-03-22 04:47:35','2016-03-22 08:47:35','',859,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-maserati-levante-first-look-2016-geneva-motor-show-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(865,0,'2016-03-22 04:47:35','2016-03-22 08:47:35','','2017 Maserati Levante First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-maserati-levante-first-look-2016-geneva-motor-show-7','','','2016-03-22 04:47:35','2016-03-22 08:47:35','',859,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-maserati-levante-first-look-2016-geneva-motor-show-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(866,0,'2016-03-22 04:47:36','2016-03-22 08:47:36','','2017 Maserati Levante First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-maserati-levante-first-look-2016-geneva-motor-show-8','','','2016-03-22 04:47:36','2016-03-22 08:47:36','',859,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-maserati-levante-first-look-2016-geneva-motor-show-youtube-thumbnail-6.jpg',0,'attachment','image/jpeg',0),(867,0,'2016-03-22 04:47:37','2016-03-22 08:47:37','','2017 Maserati Levante First Look &#8211; 2016 Geneva Motor Show','','inherit','open','closed','','2017-maserati-levante-first-look-2016-geneva-motor-show-9','','','2016-03-22 04:47:37','2016-03-22 08:47:37','',859,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-maserati-levante-first-look-2016-geneva-motor-show-youtube-thumbnail-7.jpg',0,'attachment','image/jpeg',0),(868,1,'2016-02-25 22:42:43','2016-02-25 22:42:43','Using the 2017 Mercedes Benz SL63 AMG as stand in, MotoMan breaks down the changes – design, engineering as well as some lessor known bits – of the 2017 Mercedes Benz SL series. He starts with the Turbo 6 Cylinder SL 400/450 and moves up through the SL500/SL550 then culminates with the two Mercedes AMG models – the SL 63 and SL65 . . .\n\nFor more information, check out our full 2017 #Mercedes #Benz #SL63 #AMG FIRST DRIVE REVIEW https://www.youtube.com/watch?v=sTd29TiRy9U﻿\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nTWICE A WEEK, MotoMan you on car guy adventures like going behind the scenes and hands on at factories, design studios and race tracks to unique driving experiences – everything from the latest cars to military prototype vehicles.\n\nEACH 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\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_c...\n\nDownload our MotoManTV App!\n\niTunes/iOS:\nhttps://itunes.apple.com/us/app/motom...\n\nGoogle Play/Android: https://play.google.com/store/apps/de...\n\nCheck out our Mercedes Playlist:\nhttps://www.youtube.com/playlist?list...\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nInstagram – http://instagram.com/motomantv\n\nWebsite - http://www.MotoMan.TV\n\nNEW MUSIC including Son of a Rocket and Raw by Kevin MacLeod/incompetech.com &amp; Jahzzar','2017 Mercedes Benz SL63 AMG/SL65 AMG &amp; SL500/550 SL 400/450 TECH REVIEW (1 of 3)','','publish','open','open','','2017-mercedes-benz-sl63-amgsl65-amg-sl500550-sl-400450-tech-review-1-of-3','','','2016-02-25 22:42:43','2016-02-25 22:42:43','',0,'http://www.l2ocredit.com/2016/02/25/2017-mercedes-benz-sl63-amgsl65-amg-sl500550-sl-400450-tech-review-1-of-3/',0,'post','',0),(869,0,'2016-03-22 05:12:06','2016-03-22 09:12:06','','2017 Mercedes Benz SL63 AMG/SL65 AMG &amp; SL500/550 SL 400/450 TECH REVIEW (1 of 3)','','inherit','open','closed','','2017-mercedes-benz-sl63-amgsl65-amg-sl500550-sl-400450-tech-review-1-of-3-2','','','2016-03-22 05:12:06','2016-03-22 09:12:06','',868,'http://www.l2ocredit.com/2016/02/25/2017-mercedes-benz-sl63-amgsl65-amg-sl500550-sl-400450-tech-review-1-of-3/2017-mercedes-benz-sl63-amgsl65-amg-sl500550-sl-400450-tech-review-1-of-3-2/',0,'attachment','image/jpeg',0),(870,1,'2016-02-26 17:31:13','2016-02-26 17:31:13','The 2016 RAV4 Hybrid is the most efficient compact crossover in America while at the same time being the fastest RAV4. If you\'re RAV shopping, the hybrid model should be tops on your list.\n\n2016 RAV4 FULL review: https://youtu.be/0Tcl_DnXImE\n\nMore videos: http://goo.gl/Kj1FlI\nBest cars in 2016: http://goo.gl/3xAVJi\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nThe Mountain Garden: http://goo.gl/icFWcd','2016 Toyota RAV4 Hybrid Review and Road Test - DETAILED in 4K UHD!','','publish','open','open','','2016-toyota-rav4-hybrid-review-and-road-test-detailed-in-4k-uhd','','','2016-02-26 17:31:13','2016-02-26 17:31:13','',0,'http://www.l2ocredit.com/2016/02/26/2016-toyota-rav4-hybrid-review-and-road-test-detailed-in-4k-uhd/',0,'post','',0),(871,0,'2016-03-22 05:32:11','2016-03-22 09:32:11','','2016 Toyota RAV4 Hybrid Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2016-toyota-rav4-hybrid-review-and-road-test-detailed-in-4k-uhd-2','','','2016-03-22 05:32:11','2016-03-22 09:32:11','',870,'http://www.l2ocredit.com/2016/02/26/2016-toyota-rav4-hybrid-review-and-road-test-detailed-in-4k-uhd/2016-toyota-rav4-hybrid-review-and-road-test-detailed-in-4k-uhd-2/',0,'attachment','image/jpeg',0),(872,1,'2016-02-24 15:00:00','2016-02-24 15:00:00','The Prius V is hardly for canyon carvers. But can it be a fuel-efficient substitute for a small crossover? Full Article: http://wp.me/p3LQCT-10YZ\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','Car Review | 2016 Toyota Prius V | Driving.ca','','publish','open','open','','car-review-2016-toyota-prius-v-driving-ca','','','2016-02-24 15:00:00','2016-02-24 15:00:00','',0,'http://www.l2ocredit.com/2016/02/24/car-review-2016-toyota-prius-v-driving-ca/',0,'post','',0),(873,0,'2016-03-22 05:48:16','2016-03-22 09:48:16','','Car Review | 2016 Toyota Prius V | Driving.ca','','inherit','open','closed','','car-review-2016-toyota-prius-v-driving-ca-2','','','2016-03-22 05:48:16','2016-03-22 09:48:16','',872,'http://www.l2ocredit.com/wp-content/uploads/2016/03/car-review-2016-toyota-prius-v-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(874,0,'2016-03-22 05:48:16','2016-03-22 09:48:16','','Car Review | 2016 Toyota Prius V | Driving.ca','','inherit','open','closed','','car-review-2016-toyota-prius-v-driving-ca-3','','','2016-03-22 05:48:16','2016-03-22 09:48:16','',872,'http://www.l2ocredit.com/wp-content/uploads/2016/03/car-review-2016-toyota-prius-v-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(875,0,'2016-03-22 05:48:18','2016-03-22 09:48:18','','Car Review | 2016 Toyota Prius V | Driving.ca','','inherit','open','closed','','car-review-2016-toyota-prius-v-driving-ca-4','','','2016-03-22 05:48:18','2016-03-22 09:48:18','',872,'http://www.l2ocredit.com/wp-content/uploads/2016/03/car-review-2016-toyota-prius-v-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(876,0,'2016-03-22 05:48:18','2016-03-22 09:48:18','','Car Review | 2016 Toyota Prius V | Driving.ca','','inherit','open','closed','','car-review-2016-toyota-prius-v-driving-ca-5','','','2016-03-22 05:48:18','2016-03-22 09:48:18','',872,'http://www.l2ocredit.com/wp-content/uploads/2016/03/car-review-2016-toyota-prius-v-driving-ca-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(877,1,'2016-01-20 05:14:41','2016-01-20 05:14:41','Toyota’s Scion brand gives America an honest-to-goodness hatchback, that’s efficient, affordable, and practical. 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This small crossover has a functional interior and a fun-to-drive attitude that makes it appealing. Sold with front wheel drive or all wheel drive this small SUV is designed in Korea for a worldwide market.\n\nCompetitors to Chevrolet, or Chevy Trax are the Fiat 500X, the Honda HR-V,  Subaru Crosstrek, Jeep Renegade, Jeep Patriot, Ford Escape, Jeep Compass, Honda HR-V, Mitsubishi Outlander, Mazda CX-3, Fiat 500X, Chevy Trax, Chevrolet Trax, Nissan Rogue, Nissan Juke, Mazda CX-5, Mazda CX-3, Hyundai Tucson, Kia Sportage, Subaru Forester, Mini Countryman, Honda CR-V, Toyota RAV4, Buick Encore, Volkswagen Tiguan, VW Tiguan, BMW X1, Audi Q3, BMW X3, Chevy Equinox, Chevy Trax, Dodge Journey, Fiat 500X, Fiat 500, Ford Escape, Mazda5, Honda CR-V, Hyundai Tucson, Nissan Juke, Subaru Forester, Toyota RAV4, \n\n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','2016 Chevy Trax Review.   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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 BMW M2 - First Look','','publish','open','open','','2016-bmw-m2-first-look','','','2016-02-18 06:01:49','2016-02-18 06:01:49','',0,'http://www.l2ocredit.com/2016/02/18/2016-bmw-m2-first-look/',0,'post','',0),(893,0,'2016-03-22 07:38:56','2016-03-22 11:38:56','','2016 BMW M2 &#8211; First Look','','inherit','open','closed','','2016-bmw-m2-first-look-2','','','2016-03-22 07:38:56','2016-03-22 11:38:56','',892,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-m2-first-look-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(894,0,'2016-03-22 07:38:56','2016-03-22 11:38:56','','2016 BMW M2 &#8211; First Look','','inherit','open','closed','','2016-bmw-m2-first-look-2','','','2016-03-22 07:38:56','2016-03-22 11:38:56','',892,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-m2-first-look-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(895,0,'2016-03-22 07:38:56','2016-03-22 11:38:56','','2016 BMW M2 &#8211; First Look','','inherit','open','closed','','2016-bmw-m2-first-look-2','','','2016-03-22 07:38:56','2016-03-22 11:38:56','',892,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-m2-first-look-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(896,0,'2016-03-22 07:38:56','2016-03-22 11:38:56','','2016 BMW M2 &#8211; First Look','','inherit','open','closed','','2016-bmw-m2-first-look-3','','','2016-03-22 07:38:56','2016-03-22 11:38:56','',892,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-m2-first-look-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(897,0,'2016-03-22 07:38:57','2016-03-22 11:38:57','','2016 BMW M2 &#8211; First Look','','inherit','open','closed','','2016-bmw-m2-first-look-4','','','2016-03-22 07:38:57','2016-03-22 11:38:57','',892,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-m2-first-look-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(898,1,'2016-03-22 08:00:19','2016-03-22 12:00:19','<p class=\"p1\">If a tight budget has you rethinking any trips abroad this year, you may be surprised how far you can stretch your vacation dollar. Travel website Kayak scoured its database to show the top destination cities that had the greatest drop in median airfares from Canada—even pinpointing the optimum time to book in advance to get the best deals. Whether your plans involve an excursion down south or across the pond, saving up to 26% on a flight will definitely free up more of your money.</p>\n<p class=\"p1\"><img class=\"aligncenter size-large wp-image-150174\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-shot-2016-03-17-at-4.10.46-PM-619x1024.png\" alt=\"Screen shot 2016-03-17 at 4.10.46 PM\" width=\"619\" height=\"1024\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-shot-2016-03-17-at-4.10.46-PM-619x1024.png 619w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-shot-2016-03-17-at-4.10.46-PM-399x660.png 399w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-shot-2016-03-17-at-4.10.46-PM.png 746w\" sizes=\"(max-width: 619px) 100vw, 619px\" /></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/cheaper-airfare-from-canada/\">Vacation deals you can&#8217;t pass up!</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Vacation deals you can’t pass up!','<p>Top destination cities with the greatest drop in median airfares</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/cheaper-airfare-from-canada/\">Vacation deals you can&rsquo;t pass up!</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-22 08:00:19','2016-03-22 12:00:19','',0,'http://www.moneysense.ca/?p=150172',0,'post','',0),(899,1,'2016-03-22 08:00:19','2016-03-22 12:00:19','<p class=\"p1\">If a tight budget has you rethinking any trips abroad this year, you may be surprised how far you can stretch your vacation dollar. Travel website Kayak scoured its database to show the top destination cities that had the greatest drop in median airfares from Canada—even pinpointing the optimum time to book in advance to get the best deals. Whether your plans involve an excursion down south or across the pond, saving up to 26% on a flight will definitely free up more of your money.</p>\n<p class=\"p1\"><img class=\"aligncenter size-large wp-image-150174\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-shot-2016-03-17-at-4.10.46-PM-619x1024.png\" alt=\"Screen shot 2016-03-17 at 4.10.46 PM\" width=\"619\" height=\"1024\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-shot-2016-03-17-at-4.10.46-PM-619x1024.png 619w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-shot-2016-03-17-at-4.10.46-PM-399x660.png 399w, http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-shot-2016-03-17-at-4.10.46-PM.png 746w\" sizes=\"(max-width: 619px) 100vw, 619px\" /></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/cheaper-airfare-from-canada/\">Vacation deals you can&#8217;t pass up!</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Vacation deals you can’t pass up!','<p>Top destination cities with the greatest drop in median airfares</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/cheaper-airfare-from-canada/\">Vacation deals you can&rsquo;t pass up!</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','898-revision-v1','','','2016-03-22 08:00:19','2016-03-22 12:00:19','',898,'http://feedwordpress.radgeek.com/?rev=d5458993c2fc8f3a040d7b59792710f8',0,'revision','',0),(900,1,'2016-03-02 21:20:10','2016-03-02 21:20:10','The 2017 Chevrolet Corvette Grand Sport is basically a Z06 for people who can\'t afford a Z06. http://www.autoguide.com/auto-news/2016/03/chevy-corvette-grand-sport-offers-z06-goodness-on-a-smaller-budget.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. 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So with the backcountry roads of Monterey County as a test track, MotoMan demonstrates what this BMW N55 turbo engine transplant and A LOT of suspension work does to an SUV and its driving dynamics . . .\n\nFor more information on the #BMW - check out our #BMW #M2 FIRST DRIVE REVIEW from Laguna Seca: https://www.youtube.com/watch?v=zn1VpNNdHyw&amp;list=PLF6ek7dWy48pH67nILSKoOv9ioCIMX3oW&amp;index=1\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nTWICE A WEEK, MotoMan you on car guy adventures like going behind the scenes and hands on at factories, design studios and race tracks to unique driving experiences – everything from the latest cars to military prototype vehicles.\n\nEACH 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\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nDownload our MotoManTV App!\n\niTunes/iOS:\nhttps://itunes.apple.com/us/app/motomantv/id1049061634?mt=8\n\nGoogle Play/Android: https://play.google.com/store/apps/details?id=com.openpath.motoman&amp;hl=en\n\nCheck out our BMW Playlist:\nhttps://www.youtube.com/playlist?list=PLF6ek7dWy48pH67nILSKoOv9ioCIMX3oW\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nInstagram – http://instagram.com/motomantv\n\nWebsite - http://www.MotoMan.TV\n\nNEW MUSIC including Raw by Kevin MacLeod/incompetech.com &amp; Jahzzar','2016 BMW X4 M40i FIRST DRIVE REVIEW','','publish','open','open','','2016-bmw-x4-m40i-first-drive-review','','','2016-02-21 14:00:01','2016-02-21 14:00:01','',0,'http://www.l2ocredit.com/2016/02/21/2016-bmw-x4-m40i-first-drive-review/',0,'post','',0),(905,0,'2016-03-22 08:26:29','2016-03-22 12:26:29','','2016 BMW X4 M40i FIRST DRIVE REVIEW','','inherit','open','closed','','2016-bmw-x4-m40i-first-drive-review-2','','','2016-03-22 08:26:29','2016-03-22 12:26:29','',904,'http://www.l2ocredit.com/2016/02/21/2016-bmw-x4-m40i-first-drive-review/2016-bmw-x4-m40i-first-drive-review-2/',0,'attachment','image/jpeg',0),(906,1,'2016-02-19 17:38:03','2016-02-19 17:38:03','The XC90 was the big 3-row news last year but Audi\'s new Q7 comes in swinging. Which is the king of crossovers? Let\'s find out. \n\nMore videos: http://goo.gl/Kj1FlI\nBest cars in 2016: http://goo.gl/3xAVJi\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nThe Mountain Garden: http://goo.gl/icFWcd','2017 Audi Q7 3.0T Review and Road Test - DETAILED in 4K UHD!','','publish','open','open','','2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd','','','2016-02-19 17:38:03','2016-02-19 17:38:03','',0,'http://www.l2ocredit.com/2016/02/19/2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd/',0,'post','',0),(907,0,'2016-03-22 08:48:11','2016-03-22 12:48:11','','2017 Audi Q7 3.0T Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd-2','','','2016-03-22 08:48:11','2016-03-22 12:48:11','',906,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(908,0,'2016-03-22 08:48:12','2016-03-22 12:48:12','','2017 Audi Q7 3.0T Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd-3','','','2016-03-22 08:48:12','2016-03-22 12:48:12','',906,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(909,0,'2016-03-22 08:48:12','2016-03-22 12:48:12','','2017 Audi Q7 3.0T Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd-4','','','2016-03-22 08:48:12','2016-03-22 12:48:12','',906,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(910,0,'2016-03-22 08:48:12','2016-03-22 12:48:12','','2017 Audi Q7 3.0T Review and Road Test &#8211; DETAILED in 4K UHD!','','inherit','open','closed','','2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd-5','','','2016-03-22 08:48:12','2016-03-22 12:48:12','',906,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-audi-q7-3-0t-review-and-road-test-detailed-in-4k-uhd-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(911,1,'2016-02-17 16:58:48','2016-02-17 16:58:48','We\'ll explain why the Wrangler is perfect for your 9-5 commute. Full Article: http://wp.me/p3LQCT-10Ot\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','SUV Review | 2016 Jeep Wrangler | Driving.ca','','publish','open','open','','suv-review-2016-jeep-wrangler-driving-ca','','','2016-02-17 16:58:48','2016-02-17 16:58:48','',0,'http://www.l2ocredit.com/2016/02/17/suv-review-2016-jeep-wrangler-driving-ca/',0,'post','',0),(912,0,'2016-03-22 09:16:55','2016-03-22 13:16:55','','SUV Review | 2016 Jeep Wrangler | Driving.ca','','inherit','open','closed','','suv-review-2016-jeep-wrangler-driving-ca-2','','','2016-03-22 09:16:55','2016-03-22 13:16:55','',911,'http://www.l2ocredit.com/wp-content/uploads/2016/03/suv-review-2016-jeep-wrangler-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(913,0,'2016-03-22 09:16:55','2016-03-22 13:16:55','','SUV Review | 2016 Jeep Wrangler | Driving.ca','','inherit','open','closed','','suv-review-2016-jeep-wrangler-driving-ca-3','','','2016-03-22 09:16:55','2016-03-22 13:16:55','',911,'http://www.l2ocredit.com/wp-content/uploads/2016/03/suv-review-2016-jeep-wrangler-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(914,0,'2016-03-22 09:16:55','2016-03-22 13:16:55','','SUV Review | 2016 Jeep Wrangler | Driving.ca','','inherit','open','closed','','suv-review-2016-jeep-wrangler-driving-ca-4','','','2016-03-22 09:16:55','2016-03-22 13:16:55','',911,'http://www.l2ocredit.com/wp-content/uploads/2016/03/suv-review-2016-jeep-wrangler-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(915,1,'2016-01-13 07:29:32','2016-01-13 07:29:32','The third generation TT ups the driving fun and adds innovation to the cockpit. Just don’t expect the charm of the original’s Bauhaus design.','2016 Audi TT Coupe 2.0T','','publish','open','open','','2016-audi-tt-coupe-2-0t','','','2016-01-13 07:29:32','2016-01-13 07:29:32','',0,'http://www.l2ocredit.com/2016/01/13/2016-audi-tt-coupe-2-0t/',0,'post','',0),(916,0,'2016-03-22 09:35:09','2016-03-22 13:35:09','','2016 Audi TT Coupe 2.0T','','inherit','open','closed','','2016-audi-tt-coupe-2-0t-2','','','2016-03-22 09:35:09','2016-03-22 13:35:09','',915,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-audi-tt-coupe-2-0t-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(917,0,'2016-03-22 09:35:09','2016-03-22 13:35:09','','2016 Audi TT Coupe 2.0T','','inherit','open','closed','','2016-audi-tt-coupe-2-0t-3','','','2016-03-22 09:35:09','2016-03-22 13:35:09','',915,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-audi-tt-coupe-2-0t-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(918,0,'2016-03-22 09:35:09','2016-03-22 13:35:09','','2016 Audi TT Coupe 2.0T','','inherit','open','closed','','2016-audi-tt-coupe-2-0t-4','','','2016-03-22 09:35:09','2016-03-22 13:35:09','',915,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-audi-tt-coupe-2-0t-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(919,1,'2016-02-22 00:06:12','2016-02-22 00:06:12','BMW has a stunning 4-door coupe-like sports sedan with a lot of power and luxury features. This full-size luxury car has seating for 5 people but just. This is a premium product with the corresponding price tag. \n\n\n\nCompetitors to the BMW 6 Series Gran Coupe are the Jaguar XF,  Audi A7,  Tesla Model S, Mercedes E-Class, Mercedes S-Class, Mercedes GLE, Mercedes, Mercedes GL, Mercedes G, BMW 5 Series, BMW 7 Series, BMW 6 Series, BMW X5, BMW i8, BMW i3, Audi A6, Audi A7, Audi A8, Audi Q5, Audi Q6, Audi Q7, Audi E-tron, Audi electric SUV, Volvo XC60, Volvo XC90, Lexus LS450h, Lexus GS, Lexus LX, Infiniti Q70, Infiniti QX70, Acura RL, Acura RLX, Jaguar XF, Jaguar XJ, Jaguar F-Pace, Jaguar XE, Cadillac CTS, Cadillac ELR, cadillac CT6, Genesis, Aston Martin, Porsche Panamera, Lincoln MKS, Lincoln MKC, Lincoln MKZ, Land Rover Discovery Sport, Land Rover Discovery, Range Rover Sport, Range Rover, \n\n\nTwitter: https://twitter.com/MotormouthCDN\nFacebook: http://tinyurl.com/motormouthfb\nMotormouth: http://www.motormouth.ca/\nSubscribe: http://tinyurl.com/motormouthsubscribe\nZack Spencer\nZach Spencer\nCanadian Car Review\nMotormouth Canada','2016 BMW 650i Gran Coupe Review','','publish','open','open','','2016-bmw-650i-gran-coupe-review','','','2016-02-22 00:06:12','2016-02-22 00:06:12','',0,'http://www.l2ocredit.com/2016/02/22/2016-bmw-650i-gran-coupe-review/',0,'post','',0),(920,0,'2016-03-22 10:00:42','2016-03-22 14:00:42','','2016 BMW 650i Gran Coupe Review','','inherit','open','closed','','2016-bmw-650i-gran-coupe-review-2','','','2016-03-22 10:00:42','2016-03-22 14:00:42','',919,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-650i-gran-coupe-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(921,0,'2016-03-22 10:00:42','2016-03-22 14:00:42','','2016 BMW 650i Gran Coupe Review','','inherit','open','closed','','2016-bmw-650i-gran-coupe-review-2','','','2016-03-22 10:00:42','2016-03-22 14:00:42','',919,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-bmw-650i-gran-coupe-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(922,1,'2016-03-03 02:50:45','2016-03-03 02:50:45','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nFollow Us on Instagram: cameronscarreviews \nSnapchat: camscarreviews','2017 Acura MDX &amp; Honda Civic Hatchback Previewed!, Kia\'s new compact sports sedan- CCR','','publish','open','open','','2017-acura-mdx-honda-civic-hatchback-previewed-kias-new-compact-sports-sedan-ccr','','','2016-03-03 02:50:45','2016-03-03 02:50:45','',0,'http://www.l2ocredit.com/2016/03/03/2017-acura-mdx-honda-civic-hatchback-previewed-kias-new-compact-sports-sedan-ccr/',0,'post','',0),(923,0,'2016-03-22 10:18:10','2016-03-22 14:18:10','','2017 Acura MDX &amp; Honda Civic Hatchback Previewed!, Kia&#8217;s new compact sports sedan- CCR','','inherit','open','closed','','2017-acura-mdx-honda-civic-hatchback-previewed-kias-new-compact-sports-sedan-ccr-2','','','2016-03-22 10:18:10','2016-03-22 14:18:10','',922,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-acura-mdx-honda-civic-hatchback-previewed-kias-new-compact-sports-sedan-ccr-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(924,0,'2016-03-22 10:18:11','2016-03-22 14:18:11','','2017 Acura MDX &amp; Honda Civic Hatchback Previewed!, Kia&#8217;s new compact sports sedan- CCR','','inherit','open','closed','','2017-acura-mdx-honda-civic-hatchback-previewed-kias-new-compact-sports-sedan-ccr-3','','','2016-03-22 10:18:11','2016-03-22 14:18:11','',922,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2017-acura-mdx-honda-civic-hatchback-previewed-kias-new-compact-sports-sedan-ccr-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(925,1,'2016-02-16 02:14:14','2016-02-16 02:14:14','Click and drag to take a virtual ride in the 2016 Jeep Wrangler (360-Degree Video) at the 2016 Chicago Auto Show: generous ground clearance, minimal overhangs, capable 4-wheel drive, compliant suspension, and rugged construction.\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. https://www.youtube.com/channel/UCj9yUGuMVVdm2DqyvJPUeUQ?sub_confirmation=1','2016 Jeep Wrangler 360 Degrees Off-Road Simulation','','publish','open','open','','2016-jeep-wrangler-360-degrees-off-road-simulation','','','2016-02-16 02:14:14','2016-02-16 02:14:14','',0,'http://www.l2ocredit.com/2016/02/16/2016-jeep-wrangler-360-degrees-off-road-simulation/',0,'post','',0),(926,0,'2016-03-22 10:33:26','2016-03-22 14:33:26','','2016 Jeep Wrangler 360 Degrees Off-Road Simulation','','inherit','open','closed','','2016-jeep-wrangler-360-degrees-off-road-simulation-2','','','2016-03-22 10:33:26','2016-03-22 14:33:26','',925,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jeep-wrangler-360-degrees-off-road-simulation-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(927,0,'2016-03-22 10:33:26','2016-03-22 14:33:26','','2016 Jeep Wrangler 360 Degrees Off-Road Simulation','','inherit','open','closed','','2016-jeep-wrangler-360-degrees-off-road-simulation-3','','','2016-03-22 10:33:26','2016-03-22 14:33:26','',925,'http://www.l2ocredit.com/wp-content/uploads/2016/03/2016-jeep-wrangler-360-degrees-off-road-simulation-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(928,1,'2016-03-22 10:30:51','2016-03-22 14:30:51','<p><a href=\"http://www.moneysense.ca/tag/budget-2016/\" rel=\"attachment wp-att-150316\"><img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg\" alt=\"Budget 2016 banner V2\" width=\"885\" height=\"300\" class=\"alignnone size-full wp-image-150316\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-300x102.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-768x260.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2-660x224.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/03/Budget-2016-banner-V2.jpg 885w\" sizes=\"(max-width: 885px) 100vw, 885px\" /></a></p>\n<p>OTTAWA – The Trudeau government’s maiden budget will make it easier for jobless Canadians to collect employment insurance benefits and will target some additional EI measures at workers in energy-producing provinces hit hard by the plunge in oil prices.</p>\n<p>But it won’t immediately deliver on some other Liberal election promises to reform the EI system, including promised improvements to parental and compassionate care benefits.</p>\n<p>And it is expected to defer until the fall a promised 12-month EI premium holiday for employers who give permanent jobs to young Canadians, aged 18-24.</p>\n<p>Those are just three election promises that are expected to be put off in Tuesday’s budget as Prime Minister Justin Trudeau’s fledgling government struggles to come to grips with an oil-price plunge that has sapped federal revenues and slowed already sluggish economic growth to a crawl.</p>\n<p>Government insiders, speaking on condition of anonymity because they were discussing matters not yet made public, said there would be few surprises in the budget, which will instead stick to the promised “approach” of investing in infrastructure, long-term economic growth and middle-class Canadians.</p>\n<p><a href=\"http://www.moneysense.ca/news/4-things-to-expect-from-the-upcoming-federal-budget/\"> 4 things to expect from Budget 2016 » </a></p>\n<p>That means it will include two big-ticket items from the Liberal platform: an enhanced, tax-free, income-tested child benefit and at least $5 billion in new infrastructure investments.</p>\n<p>The government has already acted on another big ticket promise: reducing the tax rate on income between $45,282 and $90,563 while imposing a new higher tax rate on income over $200,000.</p>\n<p>As Trudeau put it Monday in the Commons: “We put forward a plan that focused on investing in our communities, helping the middle class and creating growth in a way that would help all Canadians.</p>\n<p>“That is exactly what we campaigned on. That is exactly what we are going to be delivering in (Tuesday’s) budget.”</p>\n<p>But sticking to the platform’s general approach and honouring all the more than 200 election promises Trudeau made are two different things.</p>\n<p>Indeed, even before adding new spending in the budget, the government has already broken one pivotal campaign promise: the vow to keep budget deficits to less than $10 billion for the each first three years of the Liberal mandate. Finance Minister Bill Morneau revealed last month the 2016-17 deficit was en route to $18.4 billion.</p>\n<p>Once the budget’s new investments are tallied up, the deficit is expected to balloon to about $30 billion — three times more than promised. But that includes a hefty contingency cushion of $6 billion, which could ultimately soften the blow.</p>\n<p>Morneau has also telegraphed well in advance that he’s likely going to renege on two other promises that anchored the Liberals’ fiscal agenda: ensuring the debt to GDP ratio declines each and every year and balancing the budget in the fourth year. The worsening economic picture has made both those goals much harder to achieve.</p>\n<p>Ivey School of Business economist Mike Moffatt, who was a member of Trudeau’s economic advisory council before the election and helped cost the Liberal platform, will be taking the platform with him into the budget lockup to check on what else has changed or gone missing.</p>\n<p>“I think it might be more interesting to see what they don’t do, in the sense of what was in their platform that they had to back off of, for one reason or another,” he said in an interview.</p>\n<p>Insiders suggest the many campaign promises on improving the lot of veterans will be spread out over the four-year mandate.</p>\n<p>Some of the pricey promises aimed at improving the quality of life for indigenous peoples — included a sweeping, uncosted promise to deliver on all 94 recommendations of the Truth and Reconciliation Commission — may not materialize immediately either, although Trudeau said Monday that the budget “will feature historic investments in First Nations and indigenous Canadians right across the country.”</p>\n<p>On EI, the Liberal platform promised to make compassionate care and parental benefits more flexible and more inclusive. But it has since been determined that the changes are too complex to be made quickly in the first year of the Liberal mandate.</p>\n<p>The budget is expected to deliver on the Liberals’ promises to reduce the wait time to collect EI benefits to one week from two, starting in 2017, and to reverse a measure imposed by the previous Conservative government that requires the unemployed to take lower-paying jobs outside their communities.</p>\n<p><a href=\"http://www.moneysense.ca/news/prepare-for-a-possible-increase-in-capital-gains-taxes/\">Prepare for a possible hike in capital gains taxes » </a></p>\n<p>It’s also expected to deliver on platform promises to pump $500 million per year more into labour market development agreements with the provinces and up to $775 million for jobs and skills training.</p>\n<p>The Liberal platform also promised to reduce employers’ EI premiums, starting in 2017, from $1.88 per $100 earned to $1.65. However, Employment Minister MaryAnn Mihychuk has since hedged on the precise size of the premium cut.</p>\n<p>She has also signalled that not all the EI promises can be fulfilled immediately, that overhauling the system is a complex business that will take some time.</p>\n<p>Trudeau told the Commons on Monday that the budget will deliver on “concrete (platform) commitments to improve access to Employment Insurance for the people of Canada, including in areas where the oil-price decline has led to difficulties.”</p>\n<p>Insiders say the budget will make it easier for all unemployed Canadians to access EI but it will also have measures targeted at supporting workers in regions hard hit by the oil price shock, particularly Alberta. The duration of benefits, for instance, could be increased in economically depressed regions.</p>\n<p>It could also allow the jobless in those regions to accept low-wage jobs without having their EI benefits clawed back.</p>\n<p>University of British Columbia economist Kevin Milligan, who also sat on Trudeau’s economic advisory council, said he won’t be surprised if there are some adjustments to the promised infrastructure investments to take into account economic need in Alberta, Newfoundland and Labrador and Saskatchewan.</p>\n<p>For instance, he said Morneau might create a “fast lane” for energy producing provinces, speeding up their share of the promised 10-year roll-out of $60 billion in additional infrastructure investments.</p>\n<p>Both Milligan and Moffatt also think the government might give a nod towards creation of a guaranteed minimum income, agreeing to take part in a pilot project already announced by Ontario. Such an initiative wouldn’t cost much and wouldn’t commit the government to actually ever implementing the poverty-alleviating scheme across the country.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/federal-budget-expected-to-defer-some-campaign-promises/\">Federal budget expected to defer some campaign promises</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Federal budget expected to defer some campaign promises','<p>A big-ticket item to be included is enhanced, tax-free child-benefit </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/federal-budget-expected-to-defer-some-campaign-promises/\">Federal budget expected to defer some campaign promises</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-22 10:30:51','2016-03-22 14:30:51','',0,'http://www.moneysense.ca/?p=150440',0,'post','',0),