INSERT INTO `awfkc_posts` VALUES (9308,0,'2016-04-18 21:00:59','2016-04-19 01:00:59','','Up close and personal with the 2015 Ford F-150 | Driving.ca','','inherit','open','closed','','up-close-and-personal-with-the-2015-ford-f-150-driving-ca-2','','','2016-04-18 21:00:59','2016-04-19 01:00:59','',9306,'http://www.l2ocredit.com/wp-content/uploads/2016/04/up-close-and-personal-with-the-2015-ford-f-150-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9309,0,'2016-04-18 21:00:59','2016-04-19 01:00:59','','Up close and personal with the 2015 Ford F-150 | Driving.ca','','inherit','open','closed','','up-close-and-personal-with-the-2015-ford-f-150-driving-ca-2','','','2016-04-18 21:00:59','2016-04-19 01:00:59','',9306,'http://www.l2ocredit.com/wp-content/uploads/2016/04/up-close-and-personal-with-the-2015-ford-f-150-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9310,1,'2012-02-09 06:29:14','2012-02-09 06:29:14','The micro car market has been dominated by the Smart ForTwo but now there is a more powerful, fuel efficient and slightly larger micro available with this new Scion IQ.\nFrom www.motormouth.ca','2012 Scion IQ review','','publish','open','open','','2012-scion-iq-review','','','2012-02-09 06:29:14','2012-02-09 06:29:14','',0,'http://www.l2ocredit.com/2012/02/09/2012-scion-iq-review/',0,'post','',0),(9311,0,'2016-04-18 21:36:18','2016-04-19 01:36:18','','2012 Scion IQ review','','inherit','open','closed','','2012-scion-iq-review-2','','','2016-04-18 21:36:18','2016-04-19 01:36:18','',9310,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-scion-iq-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9312,0,'2016-04-18 21:36:18','2016-04-19 01:36:18','','2012 Scion IQ review','','inherit','open','closed','','2012-scion-iq-review-2','','','2016-04-18 21:36:18','2016-04-19 01:36:18','',9310,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-scion-iq-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9313,1,'2014-10-01 11:07:03','2014-10-01 11:07:03','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4/5 \nPowertrain Options: 2.0 L 4-Cylinder, 2.4 L 4-Cylinder, or a 1.4 L 4-Cylinder Turbo with a 6-Speed Manual or Automatic FWD \nEngine &amp; Performance\nBASE ENGINE SIZE 2.4 L \nCAM TYPE Single overhead cam (SOHC)\nCYLINDERS Inline 4 \nVALVES 16\nVALVE TIMING Variable \nTORQUE 171 ft-lbs. @ 4800 rpm\nHORSEPOWER 184 hp @ 6250 rpm \nTURNING CIRCLE 36.5 ft.\nFuel\nENGINE TYPE Gas \nFUEL TYPE Regular unleaded\nFUEL TANK CAPACITY 14.2 gal. \nRANGE IN MILES (CTY/HWY) 326.6/497.0 mi.\nEPA MILEAGE EST. (CTY/HWY) 23/35 mpg \nWeights and Capacities\nMAXIMUM TOWING CAPACITY** 1000 lbs. \nEPA INTERIOR VOLUME 110.3 cu.ft.\nCURB WEIGHT 3348 lbs. \nCARGO CAPACITY, ALL SEATS IN PLACE 13.1 cu.ft \nCompetitors: Toyota Corolla, Honda Civic, Ford Focus, Volkswagen Jetta, Mazda 3, Ford Focus, Nissan Sentra','2015 Dodge Dart Start Up and Review 2.4 L 4-Cylinder','','publish','open','open','','2015-dodge-dart-start-up-and-review-2-4-l-4-cylinder','','','2014-10-01 11:07:03','2014-10-01 11:07:03','',0,'http://www.l2ocredit.com/2014/10/01/2015-dodge-dart-start-up-and-review-2-4-l-4-cylinder/',0,'post','',0),(9314,0,'2016-04-18 22:00:54','2016-04-19 02:00:54','','2015 Dodge Dart Start Up and Review 2.4 L 4-Cylinder','','inherit','open','closed','','2015-dodge-dart-start-up-and-review-2-4-l-4-cylinder-2','','','2016-04-18 22:00:54','2016-04-19 02:00:54','',9313,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-dodge-dart-start-up-and-review-2-4-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9315,0,'2016-04-18 22:00:54','2016-04-19 02:00:54','','2015 Dodge Dart Start Up and Review 2.4 L 4-Cylinder','','inherit','open','closed','','2015-dodge-dart-start-up-and-review-2-4-l-4-cylinder-3','','','2016-04-18 22:00:54','2016-04-19 02:00:54','',9313,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-dodge-dart-start-up-and-review-2-4-l-4-cylinder-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9316,1,'2014-11-20 20:29:56','2014-11-20 20:29:56','Kelley Blue Book’s coverage of the 2016 Mazda CX-3 at the 2014 Los Angeles Auto Show. \n\nFor the latest auto show information, please visit: \nhttp://www.kbb.com/car-news/all-the-latest/auto-shows/2000005815/\nKelley Blue Book is your source for new car reviews, auto show coverage, features, comparison tests, and technology reviews. \n\nSubscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb','2016 Mazda CX-3 - 2014 LA Auto Show','','publish','open','open','','2016-mazda-cx-3-2014-la-auto-show','','','2014-11-20 20:29:56','2014-11-20 20:29:56','',0,'http://www.l2ocredit.com/2014/11/20/2016-mazda-cx-3-2014-la-auto-show/',0,'post','',0),(9317,0,'2016-04-18 22:28:35','2016-04-19 02:28:35','','2016 Mazda CX-3 &#8211; 2014 LA Auto Show','','inherit','open','closed','','2016-mazda-cx-3-2014-la-auto-show-2','','','2016-04-18 22:28:35','2016-04-19 02:28:35','',9316,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mazda-cx-3-2014-la-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9318,0,'2016-04-18 22:28:35','2016-04-19 02:28:35','','2016 Mazda CX-3 &#8211; 2014 LA Auto Show','','inherit','open','closed','','2016-mazda-cx-3-2014-la-auto-show-2','','','2016-04-18 22:28:35','2016-04-19 02:28:35','',9316,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mazda-cx-3-2014-la-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9319,0,'2016-04-18 22:28:35','2016-04-19 02:28:35','','2016 Mazda CX-3 &#8211; 2014 LA Auto Show','','inherit','open','closed','','2016-mazda-cx-3-2014-la-auto-show-2','','','2016-04-18 22:28:35','2016-04-19 02:28:35','',9316,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mazda-cx-3-2014-la-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9320,0,'2016-04-18 22:28:36','2016-04-19 02:28:36','','2016 Mazda CX-3 &#8211; 2014 LA Auto Show','','inherit','open','closed','','2016-mazda-cx-3-2014-la-auto-show-3','','','2016-04-18 22:28:36','2016-04-19 02:28:36','',9316,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mazda-cx-3-2014-la-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9321,1,'2015-05-01 16:19:32','2015-05-01 16:19:32','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2015 Toyota Corolla vs. 2015 Volkswagen Golf','','publish','open','open','','2015-toyota-corolla-vs-2015-volkswagen-golf','','','2015-05-01 16:19:32','2015-05-01 16:19:32','',0,'http://www.l2ocredit.com/2015/05/01/2015-toyota-corolla-vs-2015-volkswagen-golf/',0,'post','',0),(9322,0,'2016-04-18 22:45:58','2016-04-19 02:45:58','','2015 Toyota Corolla vs. 2015 Volkswagen Golf','','inherit','open','closed','','2015-toyota-corolla-vs-2015-volkswagen-golf-2','','','2016-04-18 22:45:58','2016-04-19 02:45:58','',9321,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-toyota-corolla-vs-2015-volkswagen-golf-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9323,0,'2016-04-18 22:45:58','2016-04-19 02:45:58','','2015 Toyota Corolla vs. 2015 Volkswagen Golf','','inherit','open','closed','','2015-toyota-corolla-vs-2015-volkswagen-golf-2','','','2016-04-18 22:45:58','2016-04-19 02:45:58','',9321,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-toyota-corolla-vs-2015-volkswagen-golf-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9324,0,'2016-04-18 22:45:59','2016-04-19 02:45:59','','2015 Toyota Corolla vs. 2015 Volkswagen Golf','','inherit','open','closed','','2015-toyota-corolla-vs-2015-volkswagen-golf-3','','','2016-04-18 22:45:59','2016-04-19 02:45:59','',9321,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-toyota-corolla-vs-2015-volkswagen-golf-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9325,0,'2016-04-18 22:46:00','2016-04-19 02:46:00','','2015 Toyota Corolla vs. 2015 Volkswagen Golf','','inherit','open','closed','','2015-toyota-corolla-vs-2015-volkswagen-golf-4','','','2016-04-18 22:46:00','2016-04-19 02:46:00','',9321,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-toyota-corolla-vs-2015-volkswagen-golf-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9326,1,'2014-01-12 22:54:17','2014-01-12 22:54:17','MotoMan travels to Bowling Green, Kentucky &amp; Detroit to learn how the Chevrolet Corvette C7 Stingray was created and meets Tadge Juechter, Chief Engineer, Tom Peters, Design Director, Dave Tatman, Plant Manager along with the rest of the people behind the return of the Stingray . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Corvette playlist:\nhttp://goo.gl/IzRiiz\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','Chevy Corvette Stingray C7: Behind the Scenes of it\'s Design, Engineering &amp; Build - Part One','','publish','open','open','','chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one','','','2014-01-12 22:54:17','2014-01-12 22:54:17','',0,'http://www.l2ocredit.com/2014/01/12/chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one/',0,'post','',0),(9327,0,'2016-04-18 23:05:26','2016-04-19 03:05:26','','Chevy Corvette Stingray C7: Behind the Scenes of it&#8217;s Design, Engineering &amp; Build &#8211; Part One','','inherit','open','closed','','chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one-2','','','2016-04-18 23:05:26','2016-04-19 03:05:26','',9326,'http://www.l2ocredit.com/wp-content/uploads/2016/04/chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9328,0,'2016-04-18 23:05:26','2016-04-19 03:05:26','','Chevy Corvette Stingray C7: Behind the Scenes of it&#8217;s Design, Engineering &amp; Build &#8211; Part One','','inherit','open','closed','','chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one-2','','','2016-04-18 23:05:26','2016-04-19 03:05:26','',9326,'http://www.l2ocredit.com/wp-content/uploads/2016/04/chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9329,0,'2016-04-18 23:05:26','2016-04-19 03:05:26','','Chevy Corvette Stingray C7: Behind the Scenes of it&#8217;s Design, Engineering &amp; Build &#8211; Part One','','inherit','open','closed','','chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one-3','','','2016-04-18 23:05:26','2016-04-19 03:05:26','',9326,'http://www.l2ocredit.com/wp-content/uploads/2016/04/chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9330,0,'2016-04-18 23:05:28','2016-04-19 03:05:28','','Chevy Corvette Stingray C7: Behind the Scenes of it&#8217;s Design, Engineering &amp; Build &#8211; Part One','','inherit','open','closed','','chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one-4','','','2016-04-18 23:05:28','2016-04-19 03:05:28','',9326,'http://www.l2ocredit.com/wp-content/uploads/2016/04/chevy-corvette-stingray-c7-behind-the-scenes-of-its-design-engineering-build-part-one-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9331,1,'2014-07-26 14:30:50','2014-07-26 14:30:50','Honda Fit: http://youtu.be/Qb6CSdPrg5M\nKia Soul Child Seat Review: http://youtu.be/Ux8zNB2WXNw\n\nFacebook: http://facebook.com/alexonautos\nTwitta: http://twitter.com/alexonautos\nWeb: http://alexonautos.com\n\nIn this week\'s video I check out the redesigned Kia Soul. This funky-chunky hatchback might just be my favorite new car under $30,000. Although the look may not be for everyone, the Soul manages to pack an incredible amount of cargo storage, surprising comfort, a plethora of luxury car features and acceptable fuel efficiency into a cheeky package that sadly didn\'t include a single hamster.\nStatistics powered by ChannelMeter http://channelmeter.com','2015 Kia Soul Exclaim Detailed Review and Road Test','','publish','open','open','','2015-kia-soul-exclaim-detailed-review-and-road-test','','','2014-07-26 14:30:50','2014-07-26 14:30:50','',0,'http://www.l2ocredit.com/2014/07/26/2015-kia-soul-exclaim-detailed-review-and-road-test/',0,'post','',0),(9332,0,'2016-04-18 23:33:15','2016-04-19 03:33:15','','2015 Kia Soul Exclaim Detailed Review and Road Test','','inherit','open','closed','','2015-kia-soul-exclaim-detailed-review-and-road-test-2','','','2016-04-18 23:33:15','2016-04-19 03:33:15','',9331,'http://www.l2ocredit.com/2014/07/26/2015-kia-soul-exclaim-detailed-review-and-road-test/2015-kia-soul-exclaim-detailed-review-and-road-test-2/',0,'attachment','image/jpeg',0),(9333,1,'2014-02-20 16:18:21','2014-02-20 16:18:21','Chevrolet promises the 2015 Z06 will be the most track-focused Corvette ever, but what do existing \'Vette fans think of it? We take to the Canadian International AutoShow to find out.\n\nAnd in case you missed a beat, check out our complete coverage of the show: http://driving.ca/specialsection/auto-shows/toronto/','Is the latest Corvette Z06 enthusiast-approved? | Driving.ca','','publish','open','open','','is-the-latest-corvette-z06-enthusiast-approved-driving-ca','','','2014-02-20 16:18:21','2014-02-20 16:18:21','',0,'http://www.l2ocredit.com/2014/02/20/is-the-latest-corvette-z06-enthusiast-approved-driving-ca/',0,'post','',0),(9334,0,'2016-04-18 23:51:52','2016-04-19 03:51:52','','Is the latest Corvette Z06 enthusiast-approved? | Driving.ca','','inherit','open','closed','','is-the-latest-corvette-z06-enthusiast-approved-driving-ca-2','','','2016-04-18 23:51:52','2016-04-19 03:51:52','',9333,'http://www.l2ocredit.com/wp-content/uploads/2016/04/is-the-latest-corvette-z06-enthusiast-approved-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9335,0,'2016-04-18 23:51:52','2016-04-19 03:51:52','','Is the latest Corvette Z06 enthusiast-approved? | Driving.ca','','inherit','open','closed','','is-the-latest-corvette-z06-enthusiast-approved-driving-ca-3','','','2016-04-18 23:51:52','2016-04-19 03:51:52','',9333,'http://www.l2ocredit.com/wp-content/uploads/2016/04/is-the-latest-corvette-z06-enthusiast-approved-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9336,1,'2016-04-15 17:18:45','2016-04-15 21:18:45','<p>What would you do if you emerged from a hole in the ground and reentered the world clueless about your finances, modern social norms and basically everything else about life? The concept seems ridiculous, but that&#8217;s the madcap premise of the <em>Unbreakable Kimmy Schmidt</em>, the second season of which just arrived on Netflix for your binge-watching pleasure.</p>\n<p>You know what else is like climbing out of a bunker totally clueless about the world? Moving out of your parents&#8217; house in your twenties. Seriously. Being independent and on your own for the first time is scary but luckily—or at least entertainingly—you can learn a thing or two from Kimmy&#8217;s escapades. Even if you haven&#8217;t spent 15 years of your life imprisoned by an insanely named cult leader (Jon Hamm&#8217;s Reverend Richard Wayne Gary Wayne), being an adult is harder than it looks.</p>\n<h3>1. A little financial illiteracy goes a long way</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/Fha1JjoNHNFZe\" width=\"480\" height=\"278\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/ellie-kemper-unbreakable-kimmy-schmidt-Fha1JjoNHNFZe\">via GIPHY</a></p>\n<p>Kimmy isn&#8217;t good at math, understandable seeing as how she missed some seminal arithmetic lessons during her time in the bunker. Here&#8217;s her trying to make change: &#8220;Okay, it&#8217;s $25.43, and you gave me $41, so 100 minus 43, take the 1 from the zero&#8230; wait&#8230; wait&#8230;&#8221; But that doesn&#8217;t discourage her. She goes for her GED anyway and she&#8217;s damned determined! <a href=\"http://www.moneysense.ca/save/5-personal-finance-myths-you-probably-still-believe/\">You don&#8217;t have to be a genius to get by in life or to manage your finances</a>.</p>\n<h3>2. Don&#8217;t get swindled</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/MxGvXY82F8GWY\" width=\"480\" height=\"269\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/money-fb-MxGvXY82F8GWY\">via GIPHY</a></p>\n<p>Kimmy&#8217;s roommate, Titus Andromedon (played by Tituss Burgess), has fairly good intentions for his new friend. But being broke as heck, he did take advantage of her naivety. About a day after she moves in, he informs her that they owe their landlord $950 of back rent plus next month&#8217;s dues, a one-month security deposit and compensation for a lamp that stopped working ever since she moved in. Kimmy, sharp as a tack, wasn&#8217;t having any of it. &#8220;Nice try, Titus,&#8221; she says, &#8220;there&#8217;s no lightbulb in there!&#8221; Good catch, Kimster. <a href=\"http://www.moneysense.ca/vacation/how-to-avoid-losing-money-rental-scams/\">Stay vigilant and keep an eye out for swindlers</a>.</p>\n<h3>3. Your home is a castle, no matter how small</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/MD4wj5DCmLhq8\" width=\"480\" height=\"270\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/tina-fey-unbreakable-kimmy-schmidt-MD4wj5DCmLhq8\">via GIPHY</a></p>\n<p>You may not be able to afford your dream home yet, but that doesn&#8217;t mean it can&#8217;t make you happy. Kimmy loves her closet-turned-bedroom and is even more thrilled with her new door. The lesson: <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-maximize-space-in-a-tiny-home/\">make the most of what you&#8217;ve got</a> no matter how much space you have.</p>\n<h3>4. Be persistent with that job hunt</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/Pn9ZA5ANmsqbe\" width=\"480\" height=\"270\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/unbreakable-kimmy-schmidt-uksedit-Pn9ZA5ANmsqbe\">via GIPHY</a></p>\n<p>After getting hired on the spot as a nanny for too-rich-for-her-own-good Mrs. Voorhees (played by Jane Krakowski), Kimmy promptly gets fired. Undeterred, she marches back and pleads her case: She&#8217;s proficient in WordPerfect and Mavis Beacon Teaches Typing, and can hold her breath for a real long time—all invaluable skills. Her gumption pays off and she racks in $17 an hour under the table. You go, girl! <a href=\"http://www.moneysense.ca/save/financial-planning/how-to-score-your-dream-job/\">Land your dream job</a>!</p>\n<h3>5. Car ownership is overrated</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/oLkalyqBkSIg0\" width=\"480\" height=\"262\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/oLkalyqBkSIg0\">via GIPHY</a></p>\n<p>Yeah, a car may be your ultimate status symbol, but as Kimmy&#8217;s delight at riding the subway shows us, you gotta find the little pleasures in life. Don&#8217;t take that underground metal tube that gets you to where you want to go for granted. It&#8217;s a l<a href=\"http://www.moneysense.ca/spend/shopping/auto/should-you-buy-or-lease-a-new-car/\">ot more affordable than owning a car</a>.</p>\n<h3>6. Sometimes you gotta treat yourself</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/4iotxWJAgkHSw\" width=\"480\" height=\"372\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/unbreakable-kimmy-schmidt-uks-4iotxWJAgkHSw\">via GIPHY</a></p>\n<p>When Kimmy hits New York and is handed a whack-load of cash ($13,000 in bills, to be exact) she hits the shops and ditches her powder-blue bunkerwear for some snazzy new threads. What does she splurge on? Exactly what a fashion-forward teen of the &#8217;90s would die for: a personalized backpack, monogrammed necklace and sneakers that light up when you walk. Budgets are important, but you should <a href=\"http://www.moneysense.ca/spend/shopping/travel/why-you-should-invest-in-a-vacation/\" >use your money to have a little fun every now and then</a>.</p>\n<h3>7. Protect your assets</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/mKskhwuJhi6ze\" width=\"480\" height=\"269\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/the-office-ellie-kemper-unbreakable-kimmy-schmidt-mKskhwuJhi6ze\">via GIPHY</a></p>\n<p>The worst thing that happens to Kimmy is being locked away in a doomsday bunker for a huge chunk of her life. The second-worst would probably be losing $13,000 after leaving it in a knapsack on a dirty club floor. As expected, some scumbag whisked it away the second she set it down, leaving poor Kimmy with nothing. I guess she learned the first lesson of money management, which is put your <a href=\"http://www.moneysense.ca/magazine-archive/the-best-places-to-park-your-cash/\">savings in a savings account</a>, not in a purple JanSport backpack.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/learn/7-money-lessons-you-can-learn-from-kimmy-schmidt/\">7 millennial money lessons from Kimmy Schmidt</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','7 millennial money lessons from Kimmy Schmidt','<p>Don\'t leave your life savings in a JanSport backpack</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/learn/7-money-lessons-you-can-learn-from-kimmy-schmidt/\">7 millennial money lessons from Kimmy Schmidt</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','8418-revision-v1','','','2016-04-15 17:18:45','2016-04-15 21:18:45','',8418,'http://feedwordpress.radgeek.com/?rev=b9dc7f70bbc5bccbc708454b7bf4eaca',0,'revision','',0),(9337,1,'2016-04-15 17:18:45','2016-04-15 21:18:45','<p>What would you do if you emerged from a hole in the ground and reentered the world clueless about your finances, modern social norms and basically everything else about life? The concept seems ridiculous, but that&#8217;s the madcap premise of the <em>Unbreakable Kimmy Schmidt</em>, the second season of which just arrived on Netflix for your binge-watching pleasure.</p>\n<p>You know what else is like climbing out of a bunker totally clueless about the world? Moving out of your parents&#8217; house in your twenties. Seriously. Being independent and on your own for the first time is scary but luckily—or at least entertainingly—you can learn a thing or two from Kimmy&#8217;s escapades. Even if you haven&#8217;t spent 15 years of your life imprisoned by an insanely named cult leader (Jon Hamm&#8217;s Reverend Richard Wayne Gary Wayne), being an adult is harder than it looks.</p>\n<h3>1. A little financial illiteracy goes a long way</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/Fha1JjoNHNFZe\" width=\"480\" height=\"278\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/ellie-kemper-unbreakable-kimmy-schmidt-Fha1JjoNHNFZe\">via GIPHY</a></p>\n<p>Kimmy isn&#8217;t good at math, understandable seeing as how she missed some seminal arithmetic lessons during her time in the bunker. Here&#8217;s her trying to make change: &#8220;Okay, it&#8217;s $25.43, and you gave me $41, so 100 minus 43, take the 1 from the zero&#8230; wait&#8230; wait&#8230;&#8221; But that doesn&#8217;t discourage her. She goes for her GED anyway and she&#8217;s damned determined! <a href=\"http://www.moneysense.ca/save/5-personal-finance-myths-you-probably-still-believe/\">You don&#8217;t have to be a genius to get by in life or to manage your finances</a>.</p>\n<h3>2. Don&#8217;t get swindled</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/MxGvXY82F8GWY\" width=\"480\" height=\"269\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/money-fb-MxGvXY82F8GWY\">via GIPHY</a></p>\n<p>Kimmy&#8217;s roommate, Titus Andromedon (played by Tituss Burgess), has fairly good intentions for his new friend. But being broke as heck, he did take advantage of her naivety. About a day after she moves in, he informs her that they owe their landlord $950 of back rent plus next month&#8217;s dues, a one-month security deposit and compensation for a lamp that stopped working ever since she moved in. Kimmy, sharp as a tack, wasn&#8217;t having any of it. &#8220;Nice try, Titus,&#8221; she says, &#8220;there&#8217;s no lightbulb in there!&#8221; Good catch, Kimster. <a href=\"http://www.moneysense.ca/vacation/how-to-avoid-losing-money-rental-scams/\">Stay vigilant and keep an eye out for swindlers</a>.</p>\n<h3>3. Your home is a castle, no matter how small</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/MD4wj5DCmLhq8\" width=\"480\" height=\"270\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/tina-fey-unbreakable-kimmy-schmidt-MD4wj5DCmLhq8\">via GIPHY</a></p>\n<p>You may not be able to afford your dream home yet, but that doesn&#8217;t mean it can&#8217;t make you happy. Kimmy loves her closet-turned-bedroom and is even more thrilled with her new door. The lesson: <a href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-maximize-space-in-a-tiny-home/\">make the most of what you&#8217;ve got</a> no matter how much space you have.</p>\n<h3>4. Be persistent with that job hunt</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/Pn9ZA5ANmsqbe\" width=\"480\" height=\"270\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/unbreakable-kimmy-schmidt-uksedit-Pn9ZA5ANmsqbe\">via GIPHY</a></p>\n<p>After getting hired on the spot as a nanny for too-rich-for-her-own-good Mrs. Voorhees (played by Jane Krakowski), Kimmy promptly gets fired. Undeterred, she marches back and pleads her case: She&#8217;s proficient in WordPerfect and Mavis Beacon Teaches Typing, and can hold her breath for a real long time—all invaluable skills. Her gumption pays off and she racks in $17 an hour under the table. You go, girl! <a href=\"http://www.moneysense.ca/save/financial-planning/how-to-score-your-dream-job/\">Land your dream job</a>!</p>\n<h3>5. Car ownership is overrated</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/oLkalyqBkSIg0\" width=\"480\" height=\"262\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/oLkalyqBkSIg0\">via GIPHY</a></p>\n<p>Yeah, a car may be your ultimate status symbol, but as Kimmy&#8217;s delight at riding the subway shows us, you gotta find the little pleasures in life. Don&#8217;t take that underground metal tube that gets you to where you want to go for granted. It&#8217;s a l<a href=\"http://www.moneysense.ca/spend/shopping/auto/should-you-buy-or-lease-a-new-car/\">ot more affordable than owning a car</a>.</p>\n<h3>6. Sometimes you gotta treat yourself</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/4iotxWJAgkHSw\" width=\"480\" height=\"372\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/unbreakable-kimmy-schmidt-uks-4iotxWJAgkHSw\">via GIPHY</a></p>\n<p>When Kimmy hits New York and is handed a whack-load of cash ($13,000 in bills, to be exact) she hits the shops and ditches her powder-blue bunkerwear for some snazzy new threads. What does she splurge on? Exactly what a fashion-forward teen of the &#8217;90s would die for: a personalized backpack, monogrammed necklace and sneakers that light up when you walk. Budgets are important, but you should <a href=\"http://www.moneysense.ca/spend/shopping/travel/why-you-should-invest-in-a-vacation/\" >use your money to have a little fun every now and then</a>.</p>\n<h3>7. Protect your assets</h3>\n<p><iframe class=\"giphy-embed\" src=\"http://giphy.com/embed/mKskhwuJhi6ze\" width=\"480\" height=\"269\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></p>\n<p><a href=\"http://giphy.com/gifs/the-office-ellie-kemper-unbreakable-kimmy-schmidt-mKskhwuJhi6ze\">via GIPHY</a></p>\n<p>The worst thing that happens to Kimmy is being locked away in a doomsday bunker for a huge chunk of her life. The second-worst would probably be losing $13,000 after leaving it in a knapsack on a dirty club floor. As expected, some scumbag whisked it away the second she set it down, leaving poor Kimmy with nothing. I guess she learned the first lesson of money management, which is put your <a href=\"http://www.moneysense.ca/magazine-archive/the-best-places-to-park-your-cash/\">savings in a savings account</a>, not in a purple JanSport backpack.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/learn/7-money-lessons-you-can-learn-from-kimmy-schmidt/\">7 millennial money lessons from Kimmy Schmidt</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','7 millennial money lessons from Kimmy Schmidt','<p>Don\'t leave your life savings in a JanSport backpack</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/learn/7-money-lessons-you-can-learn-from-kimmy-schmidt/\">7 millennial money lessons from Kimmy Schmidt</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','8418-revision-v1','','','2016-04-15 17:18:45','2016-04-15 21:18:45','',8418,'http://feedwordpress.radgeek.com/?rev=b9dc7f70bbc5bccbc708454b7bf4eaca',0,'revision','',0),(9338,1,'2012-02-06 05:53:11','2012-02-06 05:53:11','Chevrolet decided not to sell the Orlando in the United States but Canada gets this seven passenger compact people mover. \nFrom www.motormouth.ca','2012 Chevrolet Orlando review','','publish','open','open','','2012-chevrolet-orlando-review','','','2012-02-06 05:53:11','2012-02-06 05:53:11','',0,'http://www.l2ocredit.com/2012/02/06/2012-chevrolet-orlando-review/',0,'post','',0),(9339,0,'2016-04-19 00:25:02','2016-04-19 04:25:02','','2012 Chevrolet Orlando review','','inherit','open','closed','','2012-chevrolet-orlando-review-2','','','2016-04-19 00:25:02','2016-04-19 04:25:02','',9338,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-chevrolet-orlando-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9340,0,'2016-04-19 00:25:02','2016-04-19 04:25:02','','2012 Chevrolet Orlando review','','inherit','open','closed','','2012-chevrolet-orlando-review-3','','','2016-04-19 00:25:02','2016-04-19 04:25:02','',9338,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-chevrolet-orlando-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9341,1,'2014-09-24 07:11:55','2014-09-24 07:11:55','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4.5/5','2015 Audi Q3 Start Up and Review 2.0 L 4-Cylinder Turbo','','publish','open','open','','2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo','','','2014-09-24 07:11:55','2014-09-24 07:11:55','',0,'http://www.l2ocredit.com/2014/09/24/2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo/',0,'post','',0),(9342,0,'2016-04-19 00:50:29','2016-04-19 04:50:29','','2015 Audi Q3 Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-2','','','2016-04-19 00:50:29','2016-04-19 04:50:29','',9341,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9343,0,'2016-04-19 00:50:29','2016-04-19 04:50:29','','2015 Audi Q3 Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-2','','','2016-04-19 00:50:29','2016-04-19 04:50:29','',9341,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9344,0,'2016-04-19 00:50:29','2016-04-19 04:50:29','','2015 Audi Q3 Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-3','','','2016-04-19 00:50:29','2016-04-19 04:50:29','',9341,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9345,0,'2016-04-19 00:50:29','2016-04-19 04:50:29','','2015 Audi Q3 Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-4','','','2016-04-19 00:50:29','2016-04-19 04:50:29','',9341,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9346,0,'2016-04-19 00:50:29','2016-04-19 04:50:29','','2015 Audi Q3 Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-5','','','2016-04-19 00:50:29','2016-04-19 04:50:29','',9341,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9347,1,'2014-11-18 11:00:07','2014-11-18 11:00:07','To see the winners, please visit: http://www.kbb.com/car-news/all-the-latest/best-buy-awards/2000011397/\n\nWe in the Kelley Blue Book Editorial Content department have a single overriding goal; to help consumers make the best, most satisfying car-buying decisions possible. So when we were presented with the intriguing opportunity to create an all-new industry awards program that would represent KBB.com, we decided to conceive a program that would offer the highest level of consumer service by helping car buyers navigate the difficult choices presented by the abundance of vehicles on the market. Trying to find one\'s way through the jungle of more than 300 models is a difficult task, so in this new awards program we decided to act as expert guides to help consumers get where they want to go; into an intelligent car purchase that works for them.','Kelley Blue Book\'s 2015 Best Buy Awards','','publish','open','open','','kelley-blue-books-2015-best-buy-awards','','','2014-11-18 11:00:07','2014-11-18 11:00:07','',0,'http://www.l2ocredit.com/2014/11/18/kelley-blue-books-2015-best-buy-awards/',0,'post','',0),(9348,0,'2016-04-19 01:12:11','2016-04-19 05:12:11','','Kelley Blue Book&#8217;s 2015 Best Buy Awards','','inherit','open','closed','','kelley-blue-books-2015-best-buy-awards-2','','','2016-04-19 01:12:11','2016-04-19 05:12:11','',9347,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kelley-blue-books-2015-best-buy-awards-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9349,0,'2016-04-19 01:12:11','2016-04-19 05:12:11','','Kelley Blue Book&#8217;s 2015 Best Buy Awards','','inherit','open','closed','','kelley-blue-books-2015-best-buy-awards-3','','','2016-04-19 01:12:11','2016-04-19 05:12:11','',9347,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kelley-blue-books-2015-best-buy-awards-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9350,0,'2016-04-19 01:12:12','2016-04-19 05:12:12','','Kelley Blue Book&#8217;s 2015 Best Buy Awards','','inherit','open','closed','','kelley-blue-books-2015-best-buy-awards-4','','','2016-04-19 01:12:12','2016-04-19 05:12:12','',9347,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kelley-blue-books-2015-best-buy-awards-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9351,0,'2016-04-19 01:12:12','2016-04-19 05:12:12','','Kelley Blue Book&#8217;s 2015 Best Buy Awards','','inherit','open','closed','','kelley-blue-books-2015-best-buy-awards-5','','','2016-04-19 01:12:12','2016-04-19 05:12:12','',9347,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kelley-blue-books-2015-best-buy-awards-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9352,0,'2016-04-19 01:12:12','2016-04-19 05:12:12','','Kelley Blue Book&#8217;s 2015 Best Buy Awards','','inherit','open','closed','','kelley-blue-books-2015-best-buy-awards-6','','','2016-04-19 01:12:12','2016-04-19 05:12:12','',9347,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kelley-blue-books-2015-best-buy-awards-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9353,0,'2016-04-19 01:12:12','2016-04-19 05:12:12','','Kelley Blue Book&#8217;s 2015 Best Buy Awards','','inherit','open','closed','','kelley-blue-books-2015-best-buy-awards-7','','','2016-04-19 01:12:12','2016-04-19 05:12:12','',9347,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kelley-blue-books-2015-best-buy-awards-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9354,1,'2015-04-23 16:30:57','2015-04-23 16:30:57','The Audi S6 car flies so low under the radar it could scrape its belly on street signs. Enthusiasts know what it is, but the average motorist has no idea what caliber of heat the sedan is packing. So is this sleeper worth the four-ring premium?\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2015 Audi S6 Review','','publish','open','open','','2015-audi-s6-review','','','2015-04-23 16:30:57','2015-04-23 16:30:57','',0,'http://www.l2ocredit.com/2015/04/23/2015-audi-s6-review/',0,'post','',0),(9355,0,'2016-04-19 01:29:28','2016-04-19 05:29:28','','2015 Audi S6 Review','','inherit','open','closed','','2015-audi-s6-review-2','','','2016-04-19 01:29:28','2016-04-19 05:29:28','',9354,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-s6-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9356,0,'2016-04-19 01:29:28','2016-04-19 05:29:28','','2015 Audi S6 Review','','inherit','open','closed','','2015-audi-s6-review-3','','','2016-04-19 01:29:28','2016-04-19 05:29:28','',9354,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-s6-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9357,0,'2016-04-19 01:29:28','2016-04-19 05:29:28','','2015 Audi S6 Review','','inherit','open','closed','','2015-audi-s6-review-4','','','2016-04-19 01:29:28','2016-04-19 05:29:28','',9354,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-s6-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9358,0,'2016-04-19 01:29:28','2016-04-19 05:29:28','','2015 Audi S6 Review','','inherit','open','closed','','2015-audi-s6-review-5','','','2016-04-19 01:29:28','2016-04-19 05:29:28','',9354,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-s6-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9359,0,'2016-04-19 01:29:29','2016-04-19 05:29:29','','2015 Audi S6 Review','','inherit','open','closed','','2015-audi-s6-review-6','','','2016-04-19 01:29:29','2016-04-19 05:29:29','',9354,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-s6-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9360,0,'2016-04-19 01:29:29','2016-04-19 05:29:29','','2015 Audi S6 Review','','inherit','open','closed','','2015-audi-s6-review-6','','','2016-04-19 01:29:29','2016-04-19 05:29:29','',9354,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-s6-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9361,1,'2013-12-30 21:02:03','2013-12-30 21:02:03','MotoMan &amp; Mean Gene preview the upcoming 2014 Lamborghini Huracán and then give the car that paved the way for it, the Lamborghini Gallardo, a proper send off . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Lamborghini playlist:\nhttp://goo.gl/CO9HV2\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','Lamborghini Huracán Preview and Lamborghini Gallardo Send Off . . .','','publish','open','open','','lamborghini-huracan-preview-and-lamborghini-gallardo-send-off','','','2013-12-30 21:02:03','2013-12-30 21:02:03','',0,'http://www.l2ocredit.com/2013/12/30/lamborghini-huracan-preview-and-lamborghini-gallardo-send-off/',0,'post','',0),(9362,0,'2016-04-19 01:47:29','2016-04-19 05:47:29','','Lamborghini Huracán Preview and Lamborghini Gallardo Send Off . . .','','inherit','open','closed','','lamborghini-huracan-preview-and-lamborghini-gallardo-send-off-2','','','2016-04-19 01:47:29','2016-04-19 05:47:29','',9361,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lamborghini-huracan-preview-and-lamborghini-gallardo-send-off-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9363,0,'2016-04-19 01:47:29','2016-04-19 05:47:29','','Lamborghini Huracán Preview and Lamborghini Gallardo Send Off . . .','','inherit','open','closed','','lamborghini-huracan-preview-and-lamborghini-gallardo-send-off-3','','','2016-04-19 01:47:29','2016-04-19 05:47:29','',9361,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lamborghini-huracan-preview-and-lamborghini-gallardo-send-off-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9364,1,'2014-07-25 22:19:06','2014-07-25 22:19:06','Want to know how well child seats fit in the 2014/2015 Kia Soul? How about two child seats and an adult? Three child seats in the back? In this video I answer all your burning child seat questions. Can three convertible seats like the Graco Classic Ride 50 fit in the back? Just how big is that cargo area?\nStatistics powered by ChannelMeter http://channelmeter.com','2014/2015 Kia Soul Child Seat Review','','publish','open','open','','20142015-kia-soul-child-seat-review','','','2014-07-25 22:19:06','2014-07-25 22:19:06','',0,'http://www.l2ocredit.com/2014/07/25/20142015-kia-soul-child-seat-review/',0,'post','',0),(9365,0,'2016-04-19 02:03:25','2016-04-19 06:03:25','','2014/2015 Kia Soul Child Seat Review','','inherit','open','closed','','20142015-kia-soul-child-seat-review-2','','','2016-04-19 02:03:25','2016-04-19 06:03:25','',9364,'http://www.l2ocredit.com/wp-content/uploads/2016/04/20142015-kia-soul-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9366,0,'2016-04-19 02:03:25','2016-04-19 06:03:25','','2014/2015 Kia Soul Child Seat Review','','inherit','open','closed','','20142015-kia-soul-child-seat-review-2','','','2016-04-19 02:03:25','2016-04-19 06:03:25','',9364,'http://www.l2ocredit.com/wp-content/uploads/2016/04/20142015-kia-soul-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9367,0,'2016-04-19 02:03:25','2016-04-19 06:03:25','','2014/2015 Kia Soul Child Seat Review','','inherit','open','closed','','20142015-kia-soul-child-seat-review-3','','','2016-04-19 02:03:25','2016-04-19 06:03:25','',9364,'http://www.l2ocredit.com/wp-content/uploads/2016/04/20142015-kia-soul-child-seat-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9368,1,'2014-02-20 16:15:58','2014-02-20 16:15:58','If you\'re heading to the 2014 Canadian International AutoShow, these are the concepts you need to check out.\n\nAnd in case you missed a beat, check out our complete coverage of the show: http://driving.ca/specialsection/auto-shows/toronto/','The concepts of the 2014 Canadian International AutoShow | Driving.ca','','publish','open','open','','the-concepts-of-the-2014-canadian-international-autoshow-driving-ca','','','2014-02-20 16:15:58','2014-02-20 16:15:58','',0,'http://www.l2ocredit.com/2014/02/20/the-concepts-of-the-2014-canadian-international-autoshow-driving-ca/',0,'post','',0),(9369,0,'2016-04-19 02:20:32','2016-04-19 06:20:32','','The concepts of the 2014 Canadian International AutoShow | Driving.ca','','inherit','open','closed','','the-concepts-of-the-2014-canadian-international-autoshow-driving-ca-2','','','2016-04-19 02:20:32','2016-04-19 06:20:32','',9368,'http://www.l2ocredit.com/wp-content/uploads/2016/04/the-concepts-of-the-2014-canadian-international-autoshow-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9370,0,'2016-04-19 02:20:32','2016-04-19 06:20:32','','The concepts of the 2014 Canadian International AutoShow | Driving.ca','','inherit','open','closed','','the-concepts-of-the-2014-canadian-international-autoshow-driving-ca-3','','','2016-04-19 02:20:32','2016-04-19 06:20:32','',9368,'http://www.l2ocredit.com/wp-content/uploads/2016/04/the-concepts-of-the-2014-canadian-international-autoshow-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9371,1,'2012-01-31 06:06:44','2012-01-31 06:06:44','Mini introduces a two seater Coupe with great handling but limited visibility. \r\nFrom www.motormouth.ca','2012 Mini Cooper S Coupe review','','publish','open','open','','2012-mini-cooper-s-coupe-review','','','2012-01-31 06:06:44','2012-01-31 06:06:44','',0,'http://www.l2ocredit.com/2012/01/31/2012-mini-cooper-s-coupe-review/',0,'post','',0),(9372,0,'2016-04-19 02:51:47','2016-04-19 06:51:47','','2012 Mini Cooper S Coupe review','','inherit','open','closed','','2012-mini-cooper-s-coupe-review-2','','','2016-04-19 02:51:47','2016-04-19 06:51:47','',9371,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-mini-cooper-s-coupe-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9373,0,'2016-04-19 02:51:47','2016-04-19 06:51:47','','2012 Mini Cooper S Coupe review','','inherit','open','closed','','2012-mini-cooper-s-coupe-review-2','','','2016-04-19 02:51:47','2016-04-19 06:51:47','',9371,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-mini-cooper-s-coupe-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9374,1,'2014-09-23 16:42:32','2014-09-23 16:42:32','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4.5/5\n','2015 Hyundai Tucson Start Up and Review 2.4 L 4-Cylinder','','publish','open','open','','2015-hyundai-tucson-start-up-and-review-2-4-l-4-cylinder','','','2014-09-23 16:42:32','2014-09-23 16:42:32','',0,'http://www.l2ocredit.com/2014/09/23/2015-hyundai-tucson-start-up-and-review-2-4-l-4-cylinder/',0,'post','',0),(9375,0,'2016-04-19 03:08:15','2016-04-19 07:08:15','','2015 Hyundai Tucson Start Up and Review 2.4 L 4-Cylinder','','inherit','open','closed','','2015-hyundai-tucson-start-up-and-review-2-4-l-4-cylinder-2','','','2016-04-19 03:08:15','2016-04-19 07:08:15','',9374,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-tucson-start-up-and-review-2-4-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9376,0,'2016-04-19 03:08:15','2016-04-19 07:08:15','','2015 Hyundai Tucson Start Up and Review 2.4 L 4-Cylinder','','inherit','open','closed','','2015-hyundai-tucson-start-up-and-review-2-4-l-4-cylinder-2','','','2016-04-19 03:08:15','2016-04-19 07:08:15','',9374,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-tucson-start-up-and-review-2-4-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9377,1,'2014-11-17 11:00:09','2014-11-17 11:00:09','It may be small, but the i3 is a big deal for BMW. It represents the first example of the automaker\'s \"i\" sub-brand of eco-conscious cars. Does it still drive like a BMW? KBB’s Micah Muzio has the answer. \n\nFor the latest BMW i3 pricing and information:\nhttp://www.kbb.com/bmw/i3/2014-bmw-i3/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2015 BMW i3 - Review and Road Test','','publish','open','open','','2015-bmw-i3-review-and-road-test','','','2014-11-17 11:00:09','2014-11-17 11:00:09','',0,'http://www.l2ocredit.com/2014/11/17/2015-bmw-i3-review-and-road-test/',0,'post','',0),(9378,0,'2016-04-19 03:33:21','2016-04-19 07:33:21','','2015 BMW i3 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i3-review-and-road-test-2','','','2016-04-19 03:33:21','2016-04-19 07:33:21','',9377,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i3-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9379,0,'2016-04-19 03:33:21','2016-04-19 07:33:21','','2015 BMW i3 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i3-review-and-road-test-3','','','2016-04-19 03:33:21','2016-04-19 07:33:21','',9377,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i3-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9380,0,'2016-04-19 03:33:21','2016-04-19 07:33:21','','2015 BMW i3 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i3-review-and-road-test-4','','','2016-04-19 03:33:21','2016-04-19 07:33:21','',9377,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i3-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9381,0,'2016-04-19 03:33:21','2016-04-19 07:33:21','','2015 BMW i3 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i3-review-and-road-test-4','','','2016-04-19 03:33:21','2016-04-19 07:33:21','',9377,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i3-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9382,0,'2016-04-19 03:33:22','2016-04-19 07:33:22','','2015 BMW i3 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i3-review-and-road-test-5','','','2016-04-19 03:33:22','2016-04-19 07:33:22','',9377,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i3-review-and-road-test-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9383,0,'2016-04-19 03:33:22','2016-04-19 07:33:22','','2015 BMW i3 &#8211; Review and Road Test','','inherit','open','closed','','2015-bmw-i3-review-and-road-test-6','','','2016-04-19 03:33:22','2016-04-19 07:33:22','',9377,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-i3-review-and-road-test-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9384,1,'2015-04-24 16:22:22','2015-04-24 16:22:22','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Mercedes-AMG GT S Review - First Drive','','publish','open','open','','2016-mercedes-amg-gt-s-review-first-drive','','','2015-04-24 16:22:22','2015-04-24 16:22:22','',0,'http://www.l2ocredit.com/2015/04/24/2016-mercedes-amg-gt-s-review-first-drive/',0,'post','',0),(9385,0,'2016-04-19 03:55:42','2016-04-19 07:55:42','','2016 Mercedes-AMG GT S Review &#8211; First Drive','','inherit','open','closed','','2016-mercedes-amg-gt-s-review-first-drive-2','','','2016-04-19 03:55:42','2016-04-19 07:55:42','',9384,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mercedes-amg-gt-s-review-first-drive-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9386,1,'2013-12-30 17:30:59','2013-12-30 17:30:59','Dodge Viper &amp; Dodge Challenger SRT8 at Targa Newfoundland 2011 Part Four. Team SRT experiences a couple of scrapes on Day Four of Targa Newfoundland but hasn\'t seen anything yet with a Hurricane bearing down on the Fifth and Final Day of Targa Newfoundland 2011.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\nhttp://www.youtube.com/motomantv\n\nSubscribe now to experience our adventures in the car world.\nhttp://www.youtube.com/subscription_center?add_user=motomantv\n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\nWebsite - http://www.MotoMan.TV\n\nSEE TARGA BEHIND THE SCENES PICS HERE:\nhttp://www.motoman.tv/Gallery/tabid/71/agentType/View/PropertyID/52/Default.aspx','Dodge Viper &amp; Dodge Challenger SRT8 at Targa Newfoundland 2011 Part Four','','publish','open','open','','dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four','','','2013-12-30 17:30:59','2013-12-30 17:30:59','',0,'http://www.l2ocredit.com/2013/12/30/dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four/',0,'post','',0),(9387,0,'2016-04-19 04:10:44','2016-04-19 08:10:44','','Dodge Viper &amp; Dodge Challenger SRT8 at Targa Newfoundland 2011 Part Four','','inherit','open','closed','','dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four-2','','','2016-04-19 04:10:44','2016-04-19 08:10:44','',9386,'http://www.l2ocredit.com/wp-content/uploads/2016/04/dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9388,0,'2016-04-19 04:10:44','2016-04-19 08:10:44','','Dodge Viper &amp; Dodge Challenger SRT8 at Targa Newfoundland 2011 Part Four','','inherit','open','closed','','dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four-3','','','2016-04-19 04:10:44','2016-04-19 08:10:44','',9386,'http://www.l2ocredit.com/wp-content/uploads/2016/04/dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9389,0,'2016-04-19 04:10:45','2016-04-19 08:10:45','','Dodge Viper &amp; Dodge Challenger SRT8 at Targa Newfoundland 2011 Part Four','','inherit','open','closed','','dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four-4','','','2016-04-19 04:10:45','2016-04-19 08:10:45','',9386,'http://www.l2ocredit.com/wp-content/uploads/2016/04/dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9390,0,'2016-04-19 04:10:45','2016-04-19 08:10:45','','Dodge Viper &amp; Dodge Challenger SRT8 at Targa Newfoundland 2011 Part Four','','inherit','open','closed','','dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four-5','','','2016-04-19 04:10:45','2016-04-19 08:10:45','',9386,'http://www.l2ocredit.com/wp-content/uploads/2016/04/dodge-viper-dodge-challenger-srt8-at-targa-newfoundland-2011-part-four-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9391,1,'2014-07-23 20:31:23','2014-07-23 20:31:23','Even though the 4Runner was refreshed for 2014, little has changed over time for the Toyota\'s mid-sized go-anywhere SUV. That means the 4Runner\'s body still sits on a frame. That also means the 4Runner, Nissan Xterra and Jeep Wrangler Unlimited are the only mid-sized non-luxury body on frame SUVs left in America. (And I\'m not sure I\'d even call the smallish Wrangler a mid-size SUV.) Of course I can\'t go further without mentioning the 4Runner\'s modern nemesis: the decidedly unibody Jeep Grand Cherokee.\n\nThe gentle refresh to the interior consists of a new steering wheel, radio head units, gauge cluster, seat fabrics and plastic color choices. The new steering wheel is essentially shared with the Tundra and features a thick rim, well places sport grips, soft leather and well placed radio buttons. While Toyota claims that the front seats are unchanged from 2013, they seemed softer and more comfortable. This could be down to the new fabric choices, but I think some foam was changed as well.\n\nErgonomics in the 4Runner have always been secondary to the off-road mission, and because little substance has changed for 2014 that remains. Window switches have gained an Auto feature but are still in an awkward and high place on the door, possibly to keep then out of the water should you stall in a stream. Radio knobs and switches and the 4WD shift level all require a decent reach for the average driver. Unlike the Grand Cherokee you can still get a 7-seat version of the 4Runner in SR5 and Limited trim, Trail and TRD Pro remains 5-seat only. The extra two seats are an interesting option because the Nissan Xterra and Grand Cherokee, the only two rugged off-roaders left, are strict 5-seaters.\n\nYes, Toyota continues to add creature comforts, and I\'m sure they will sell plenty of the RWD Limited model in suburbia, but at its heart the 4Runner is an off-road SUV. This is quite different from the Jeep Grand Cherokee which has been on a constant march toward the mainstream. (Albeit with an eye toward off-roading.) This is obvious when you look at Jeep\'s switch to fully independent air suspension, constant size increases, a plethora of engine options and curb weight gone out of control. Don\'t get me wrong, I love the Grand Cherokee, but if you want to climb rocks, it\'s not the best choice. Meanwhile, Toyota has in many ways re-focused on off-roading. The 4Runner offers a myriad of off-road software aids and the retention of a mechanically locking solid rear axle and rugged frame. In this light, keeping the old drivetrain makes sense: it\'s tried and true and there are plenty of aftermarket accessories designed with it in mind.\n\nThe 4Runner may be a go-anywhere SUV, but it\'s not a tow-anything SUV. The V6 and 5-speed combo limit the 4Runner to 4,700lbs, down from the 7,300lbs the defunct V8 model could shift. That\'s thousands of pounds less than the Grand Cherokee and even 300lbs less than the Ford Explorer crossover. However, even this can be seen as a refocusing on the 4Runner\'s core mission. As I\'ve noted before, nobody seems to tow with their mid-size SUV except me, and off-roaders prefer the lower weight and better balance of the V6 for true off-road duty.\n\nWith Toyota canning the slow selling FJ Cruiser at some point soon, the 4Runner will soldier on as one of the last rugged SUVs. For a model that helped ignite the SUV/CUV explosion, it\'s refreshing that the 4Runner has stayed true to its roots: providing a daily driver capable off-road machine. The Wrangler Unlimited is a better rock crawler with solid axles front and rear, better approach/departure/breakover angles, better ground clearance and a lower range gearbox, but the Wrangler is too off-road dedicated for the school run. If you\'re one of the few that drops the kids off and heads over to the off-road park on your way to Costco, the 4Runner is for you. If you\'re the majority of SUV shoppers, there are more \"conflicted\" \"compromised\" options out there that will fit your lifestyle better. Jeep will be happy to sell you one.\nStatistics powered by ChannelMeter http://channelmeter.com','2015 Toyota 4Runner TRD Pro Detailed Review and Road Test','','publish','open','open','','2015-toyota-4runner-trd-pro-detailed-review-and-road-test','','','2014-07-23 20:31:23','2014-07-23 20:31:23','',0,'http://www.l2ocredit.com/2014/07/23/2015-toyota-4runner-trd-pro-detailed-review-and-road-test/',0,'post','',0),(9392,0,'2016-04-19 04:28:17','2016-04-19 08:28:17','','2015 Toyota 4Runner TRD Pro Detailed Review and Road Test','','inherit','open','closed','','2015-toyota-4runner-trd-pro-detailed-review-and-road-test-2','','','2016-04-19 04:28:17','2016-04-19 08:28:17','',9391,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-toyota-4runner-trd-pro-detailed-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9393,0,'2016-04-19 04:28:17','2016-04-19 08:28:17','','2015 Toyota 4Runner TRD Pro Detailed Review and Road Test','','inherit','open','closed','','2015-toyota-4runner-trd-pro-detailed-review-and-road-test-2','','','2016-04-19 04:28:17','2016-04-19 08:28:17','',9391,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-toyota-4runner-trd-pro-detailed-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9394,0,'2016-04-19 04:28:18','2016-04-19 08:28:18','','2015 Toyota 4Runner TRD Pro Detailed Review and Road Test','','inherit','open','closed','','2015-toyota-4runner-trd-pro-detailed-review-and-road-test-3','','','2016-04-19 04:28:18','2016-04-19 08:28:18','',9391,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-toyota-4runner-trd-pro-detailed-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9395,0,'2016-04-19 04:28:18','2016-04-19 08:28:18','','2015 Toyota 4Runner TRD Pro Detailed Review and Road Test','','inherit','open','closed','','2015-toyota-4runner-trd-pro-detailed-review-and-road-test-4','','','2016-04-19 04:28:18','2016-04-19 08:28:18','',9391,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-toyota-4runner-trd-pro-detailed-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9396,1,'2014-02-20 16:14:41','2014-02-20 16:14:41','The first time we tried something like this, we may or may not have gotten stuck in the snow. This time around, we didn\'t! Check out our long-term Winter Journal recap of the 2014 Toyota 4Runner right here: http://driving.ca/toyota/reviews/road-test/winter-journal-of-2014-toyota-4runner-proves-its-got-right-stuff/','Winter Journal: Running the 2014 Toyota 4Runner through snow | Driving.ca','','publish','open','open','','winter-journal-running-the-2014-toyota-4runner-through-snow-driving-ca','','','2014-02-20 16:14:41','2014-02-20 16:14:41','',0,'http://www.l2ocredit.com/2014/02/20/winter-journal-running-the-2014-toyota-4runner-through-snow-driving-ca/',0,'post','',0),(9397,0,'2016-04-19 04:50:28','2016-04-19 08:50:28','','Winter Journal: Running the 2014 Toyota 4Runner through snow | Driving.ca','','inherit','open','closed','','winter-journal-running-the-2014-toyota-4runner-through-snow-driving-ca-2','','','2016-04-19 04:50:28','2016-04-19 08:50:28','',9396,'http://www.l2ocredit.com/wp-content/uploads/2016/04/winter-journal-running-the-2014-toyota-4runner-through-snow-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9398,0,'2016-04-19 04:50:28','2016-04-19 08:50:28','','Winter Journal: Running the 2014 Toyota 4Runner through snow | Driving.ca','','inherit','open','closed','','winter-journal-running-the-2014-toyota-4runner-through-snow-driving-ca-2','','','2016-04-19 04:50:28','2016-04-19 08:50:28','',9396,'http://www.l2ocredit.com/wp-content/uploads/2016/04/winter-journal-running-the-2014-toyota-4runner-through-snow-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9399,0,'2016-04-19 04:50:29','2016-04-19 08:50:29','','Winter Journal: Running the 2014 Toyota 4Runner through snow | Driving.ca','','inherit','open','closed','','winter-journal-running-the-2014-toyota-4runner-through-snow-driving-ca-3','','','2016-04-19 04:50:29','2016-04-19 08:50:29','',9396,'http://www.l2ocredit.com/wp-content/uploads/2016/04/winter-journal-running-the-2014-toyota-4runner-through-snow-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9400,1,'2012-01-18 04:42:59','2012-01-18 04:42:59','Chevrolet joins the subcompact class with this new Sonic. Sold around the world, this little car is built in North America to replace the Aveo.\r\nFrom www.motormouth.ca','2012 Chevrolet Sonic Review','','publish','open','open','','2012-chevrolet-sonic-review','','','2012-01-18 04:42:59','2012-01-18 04:42:59','',0,'http://www.l2ocredit.com/2012/01/18/2012-chevrolet-sonic-review/',0,'post','',0),(9401,0,'2016-04-19 05:21:50','2016-04-19 09:21:50','','2012 Chevrolet Sonic Review','','inherit','open','closed','','2012-chevrolet-sonic-review-2','','','2016-04-19 05:21:50','2016-04-19 09:21:50','',9400,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-chevrolet-sonic-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9402,0,'2016-04-19 05:21:50','2016-04-19 09:21:50','','2012 Chevrolet Sonic Review','','inherit','open','closed','','2012-chevrolet-sonic-review-2','','','2016-04-19 05:21:50','2016-04-19 09:21:50','',9400,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-chevrolet-sonic-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9403,1,'2014-09-22 05:33:10','2014-09-22 05:33:10','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 5/5 \nPowertrain Options: 2.0 L 4-Cylinder Turbo, 1.6 L 4-Cylinder Turbo, or a 2.5 L 4-Cylinder with a 6-Speed Automatic FWD or AWD \nEngine &amp; Performance\nBASE ENGINE SIZE 2.0 L \nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS Inline 4 \nVALVES 16\nVALVE TIMING Variable \nTORQUE 270 ft-lbs. @ 3000 rpm\nHORSEPOWER 231 hp @ 5500 rpm \nFuel\nENGINE TYPE Gas  \nFUEL TYPE Regular unleaded\nFUEL TANK CAPACITY 16.5 gal. \nRANGE IN MILES (CTY/HWY) 363.0/544.5 mi.\nEPA MILEAGE EST. (CTY/HWY) 22/33 mpg  \nWeights and Capacities\nEPA INTERIOR VOLUME 118.8 cu.ft. \nCURB WEIGHT 3526 lbs.\nCARGO CAPACITY, ALL SEATS IN PLACE \nCompetitors: Toyota Camry, Honda Accord, Chevrolet Malibu, Volkswagen Passat, Nissan Altima, Chrysler 200, Mazda 6, Subaru Legacy','2015 Ford Fusion Start Up and Review 2.0 L 4-Cylinder Turbo','','publish','open','open','','2015-ford-fusion-start-up-and-review-2-0-l-4-cylinder-turbo','','','2014-09-22 05:33:10','2014-09-22 05:33:10','',0,'http://www.l2ocredit.com/2014/09/22/2015-ford-fusion-start-up-and-review-2-0-l-4-cylinder-turbo/',0,'post','',0),(9404,0,'2016-04-19 05:37:22','2016-04-19 09:37:22','','2015 Ford Fusion Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2015-ford-fusion-start-up-and-review-2-0-l-4-cylinder-turbo-2','','','2016-04-19 05:37:22','2016-04-19 09:37:22','',9403,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-ford-fusion-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9405,0,'2016-04-19 05:37:22','2016-04-19 09:37:22','','2015 Ford Fusion Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2015-ford-fusion-start-up-and-review-2-0-l-4-cylinder-turbo-2','','','2016-04-19 05:37:22','2016-04-19 09:37:22','',9403,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-ford-fusion-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9406,0,'2016-04-19 05:37:23','2016-04-19 09:37:23','','2015 Ford Fusion Start Up and Review 2.0 L 4-Cylinder Turbo','','inherit','open','closed','','2015-ford-fusion-start-up-and-review-2-0-l-4-cylinder-turbo-3','','','2016-04-19 05:37:23','2016-04-19 09:37:23','',9403,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-ford-fusion-start-up-and-review-2-0-l-4-cylinder-turbo-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9407,1,'2014-11-10 11:00:01','2014-11-10 11:00:01','The midsize sedan segment is a contentious one. But even in such a stacked field, the Hyundai Sonata has established itself as a serious contender in recent years. Will the latest Sonata mean big things for the Korean automaker? KBB’s Micah Muzio finds out in this video.  \n\nFor the latest Hyundai Sonata pricing and information:\nhttp://www.kbb.com/hyundai/sonata/2015-hyundai-sonata/\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, comparison tests, and technology reviews. \nSubscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2016 Hyundai Sonata - Review and Road Test','','publish','open','open','','2016-hyundai-sonata-review-and-road-test','','','2014-11-10 11:00:01','2014-11-10 11:00:01','',0,'http://www.l2ocredit.com/2014/11/10/2016-hyundai-sonata-review-and-road-test/',0,'post','',0),(9408,0,'2016-04-19 05:54:00','2016-04-19 09:54:00','','2016 Hyundai Sonata &#8211; Review and Road Test','','inherit','open','closed','','2016-hyundai-sonata-review-and-road-test-2','','','2016-04-19 05:54:00','2016-04-19 09:54:00','',9407,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-hyundai-sonata-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9409,0,'2016-04-19 05:54:01','2016-04-19 09:54:01','','2016 Hyundai Sonata &#8211; Review and Road Test','','inherit','open','closed','','2016-hyundai-sonata-review-and-road-test-3','','','2016-04-19 05:54:01','2016-04-19 09:54:01','',9407,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-hyundai-sonata-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9410,1,'2015-04-26 11:45:59','2015-04-26 11:45:59','More powerful, quicker and outright faster than a comparable BMW, Cadillac’s newest model is the best reason to skip the letter M and head all the way down the alphabet to V.\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Cadillac ATS-V Review','','publish','open','open','','2016-cadillac-ats-v-review','','','2015-04-26 11:45:59','2015-04-26 11:45:59','',0,'http://www.l2ocredit.com/2015/04/26/2016-cadillac-ats-v-review/',0,'post','',0),(9411,0,'2016-04-19 06:12:38','2016-04-19 10:12:38','','2016 Cadillac ATS-V Review','','inherit','open','closed','','2016-cadillac-ats-v-review-2','','','2016-04-19 06:12:38','2016-04-19 10:12:38','',9410,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ats-v-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9412,0,'2016-04-19 06:12:38','2016-04-19 10:12:38','','2016 Cadillac ATS-V Review','','inherit','open','closed','','2016-cadillac-ats-v-review-2','','','2016-04-19 06:12:38','2016-04-19 10:12:38','',9410,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ats-v-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9413,0,'2016-04-19 06:12:38','2016-04-19 10:12:38','','2016 Cadillac ATS-V Review','','inherit','open','closed','','2016-cadillac-ats-v-review-3','','','2016-04-19 06:12:38','2016-04-19 10:12:38','',9410,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ats-v-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9414,0,'2016-04-19 06:12:38','2016-04-19 10:12:38','','2016 Cadillac ATS-V Review','','inherit','open','closed','','2016-cadillac-ats-v-review-4','','','2016-04-19 06:12:38','2016-04-19 10:12:38','',9410,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ats-v-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9415,0,'2016-04-19 06:12:38','2016-04-19 10:12:38','','2016 Cadillac ATS-V Review','','inherit','open','closed','','2016-cadillac-ats-v-review-5','','','2016-04-19 06:12:38','2016-04-19 10:12:38','',9410,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ats-v-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9416,0,'2016-04-19 06:12:40','2016-04-19 10:12:40','','2016 Cadillac ATS-V Review','','inherit','open','closed','','2016-cadillac-ats-v-review-6','','','2016-04-19 06:12:40','2016-04-19 10:12:40','',9410,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-cadillac-ats-v-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9417,1,'2013-12-25 18:54:46','2013-12-25 18:54:46','MotoMan and the crew show you a little behind the scenes of this year\'s Christmas film. Along the way, we share some Christmas wishes from friends of the show.\n\nTHANK YOU for joining us each week on our car adventures . . . its means a lot to us to share our passion with you . . . the ride continues in 2014! \n\nOriginal music by Jim Watkins &amp; stayC Meyer. You can hear the entire song with stayC\'s amazing lyrics at:\nhttp://goo.gl/NTPv1d\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Inside the MotoMan Studio at The Petersen Automotive Museum Playlist:\nhttp://goo.gl/4BUoje\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','Behind the Scenes of the 2013 MotoMan &amp; Petersen Museum Christmas film: What would Santa drive?','','publish','open','open','','behind-the-scenes-of-the-2013-motoman-petersen-museum-christmas-film-what-would-santa-drive','','','2013-12-25 18:54:46','2013-12-25 18:54:46','',0,'http://www.l2ocredit.com/2013/12/25/behind-the-scenes-of-the-2013-motoman-petersen-museum-christmas-film-what-would-santa-drive/',0,'post','',0),(9418,0,'2016-04-19 06:32:23','2016-04-19 10:32:23','','Behind the Scenes of the 2013 MotoMan &amp; Petersen Museum Christmas film: What would Santa drive?','','inherit','open','closed','','behind-the-scenes-of-the-2013-motoman-petersen-museum-christmas-film-what-would-santa-drive-2','','','2016-04-19 06:32:23','2016-04-19 10:32:23','',9417,'http://www.l2ocredit.com/wp-content/uploads/2016/04/behind-the-scenes-of-the-2013-motoman-petersen-museum-christmas-film-what-would-santa-drive-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9419,0,'2016-04-19 06:32:23','2016-04-19 10:32:23','','Behind the Scenes of the 2013 MotoMan &amp; Petersen Museum Christmas film: What would Santa drive?','','inherit','open','closed','','behind-the-scenes-of-the-2013-motoman-petersen-museum-christmas-film-what-would-santa-drive-2','','','2016-04-19 06:32:23','2016-04-19 10:32:23','',9417,'http://www.l2ocredit.com/wp-content/uploads/2016/04/behind-the-scenes-of-the-2013-motoman-petersen-museum-christmas-film-what-would-santa-drive-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9420,0,'2016-04-19 06:32:23','2016-04-19 10:32:23','','Behind the Scenes of the 2013 MotoMan &amp; Petersen Museum Christmas film: What would Santa drive?','','inherit','open','closed','','behind-the-scenes-of-the-2013-motoman-petersen-museum-christmas-film-what-would-santa-drive-3','','','2016-04-19 06:32:23','2016-04-19 10:32:23','',9417,'http://www.l2ocredit.com/wp-content/uploads/2016/04/behind-the-scenes-of-the-2013-motoman-petersen-museum-christmas-film-what-would-santa-drive-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9421,1,'2014-07-19 18:26:15','2014-07-19 18:26:15','In this video I take an in depth look at the infotainment and navigation system in the 2015 Hyundai Genesis. The same software is standard but there are two different screen sizes and we\'re looking at the larger of the two in this video.\nStatistics powered by ChannelMeter http://channelmeter.com','2015 Hyundai Genesis Infotainment Review','','publish','open','open','','2015-hyundai-genesis-infotainment-review','','','2014-07-19 18:26:15','2014-07-19 18:26:15','',0,'http://www.l2ocredit.com/2014/07/19/2015-hyundai-genesis-infotainment-review/',0,'post','',0),(9422,0,'2016-04-19 06:52:22','2016-04-19 10:52:22','','2015 Hyundai Genesis Infotainment Review','','inherit','open','closed','','2015-hyundai-genesis-infotainment-review-2','','','2016-04-19 06:52:22','2016-04-19 10:52:22','',9421,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-genesis-infotainment-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9423,0,'2016-04-19 06:52:22','2016-04-19 10:52:22','','2015 Hyundai Genesis Infotainment Review','','inherit','open','closed','','2015-hyundai-genesis-infotainment-review-2','','','2016-04-19 06:52:22','2016-04-19 10:52:22','',9421,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-genesis-infotainment-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9424,1,'2016-04-07 14:00:02','2016-04-07 14:00:02','In a world where even Miatas have angry eyebrows, the Fiat 500 is refreshingly happy. Full article: http://wp.me/p3LQCT-12Yh','Car Review | 2016 Fiat 500 1957 Edition | Driving.ca','','publish','open','open','','car-review-2016-fiat-500-1957-edition-driving-ca','','','2016-04-07 14:00:02','2016-04-07 14:00:02','',0,'http://www.l2ocredit.com/2016/04/07/car-review-2016-fiat-500-1957-edition-driving-ca/',0,'post','',0),(9425,0,'2016-04-19 07:14:51','2016-04-19 11:14:51','','Car Review | 2016 Fiat 500 1957 Edition | Driving.ca','','inherit','open','closed','','car-review-2016-fiat-500-1957-edition-driving-ca-2','','','2016-04-19 07:14:51','2016-04-19 11:14:51','',9424,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-fiat-500-1957-edition-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9426,0,'2016-04-19 07:14:51','2016-04-19 11:14:51','','Car Review | 2016 Fiat 500 1957 Edition | Driving.ca','','inherit','open','closed','','car-review-2016-fiat-500-1957-edition-driving-ca-3','','','2016-04-19 07:14:51','2016-04-19 11:14:51','',9424,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-fiat-500-1957-edition-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9427,0,'2016-04-19 07:14:52','2016-04-19 11:14:52','','Car Review | 2016 Fiat 500 1957 Edition | Driving.ca','','inherit','open','closed','','car-review-2016-fiat-500-1957-edition-driving-ca-4','','','2016-04-19 07:14:52','2016-04-19 11:14:52','',9424,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-fiat-500-1957-edition-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9428,0,'2016-04-19 07:14:52','2016-04-19 11:14:52','','Car Review | 2016 Fiat 500 1957 Edition | Driving.ca','','inherit','open','closed','','car-review-2016-fiat-500-1957-edition-driving-ca-5','','','2016-04-19 07:14:52','2016-04-19 11:14:52','',9424,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-fiat-500-1957-edition-driving-ca-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9429,0,'2016-04-19 07:14:52','2016-04-19 11:14:52','','Car Review | 2016 Fiat 500 1957 Edition | Driving.ca','','inherit','open','closed','','car-review-2016-fiat-500-1957-edition-driving-ca-6','','','2016-04-19 07:14:52','2016-04-19 11:14:52','',9424,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-fiat-500-1957-edition-driving-ca-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9430,0,'2016-04-19 07:14:53','2016-04-19 11:14:53','','Car Review | 2016 Fiat 500 1957 Edition | Driving.ca','','inherit','open','closed','','car-review-2016-fiat-500-1957-edition-driving-ca-7','','','2016-04-19 07:14:53','2016-04-19 11:14:53','',9424,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-fiat-500-1957-edition-driving-ca-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9431,0,'2016-04-19 07:14:53','2016-04-19 11:14:53','','Car Review | 2016 Fiat 500 1957 Edition | Driving.ca','','inherit','open','closed','','car-review-2016-fiat-500-1957-edition-driving-ca-8','','','2016-04-19 07:14:53','2016-04-19 11:14:53','',9424,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-fiat-500-1957-edition-driving-ca-youtube-thumbnail-6.jpg',0,'attachment','image/jpeg',0),(9432,1,'2012-01-17 19:26:50','2012-01-17 19:26:50','','2012 Detroit Auto Show (NAIAS) Production cars','','publish','open','open','','2012-detroit-auto-show-naias-production-cars','','','2012-01-17 19:26:50','2012-01-17 19:26:50','',0,'http://www.l2ocredit.com/2012/01/17/2012-detroit-auto-show-naias-production-cars/',0,'post','',0),(9433,0,'2016-04-19 07:51:51','2016-04-19 11:51:51','','2012 Detroit Auto Show (NAIAS) Production cars','','inherit','open','closed','','2012-detroit-auto-show-naias-production-cars-2','','','2016-04-19 07:51:51','2016-04-19 11:51:51','',9432,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-detroit-auto-show-naias-production-cars-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9434,0,'2016-04-19 07:51:51','2016-04-19 11:51:51','','2012 Detroit Auto Show (NAIAS) Production cars','','inherit','open','closed','','2012-detroit-auto-show-naias-production-cars-2','','','2016-04-19 07:51:51','2016-04-19 11:51:51','',9432,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-detroit-auto-show-naias-production-cars-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9435,0,'2016-04-19 07:51:51','2016-04-19 11:51:51','','2012 Detroit Auto Show (NAIAS) Production cars','','inherit','open','closed','','2012-detroit-auto-show-naias-production-cars-3','','','2016-04-19 07:51:51','2016-04-19 11:51:51','',9432,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-detroit-auto-show-naias-production-cars-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9436,1,'2014-09-19 07:49:30','2014-09-19 07:49:30','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews ScoreL 4.5/5 \nPowertrain Options: 1.8 L 4-Cylinder with a CVT Automatic FWD \nEngine &amp; Performance\nBASE ENGINE SIZE 1.8 L \nCAM TYPE Double overhead cam (DOHC)\nCYLINDERS Inline 4 \nVALVES 16\nVALVE TIMING Variable\nTORQUE 128 ft-lbs. @ 3600 rpm\nHORSEPOWER 130 hp @ 6000 rpm \nTURNING CIRCLE 34.8 ft.\nFuel\nENGINE TYPE Gas  \nFUEL TYPE Regular unleaded\nFUEL TANK CAPACITY 13.2 gal. \nRANGE IN MILES (CTY/HWY) 396.0/514.8 mi.\nEPA MILEAGE EST. (CTY/HWY) 30/39 mpg \nWeights and Capacities\nMAXIMUM PAYLOAD** 935 lbs. \nEPA INTERIOR VOLUME 111.0 cu.ft.\nGROSS WEIGHT 3772 lbs. \nDRAG COEFFICIENT 0.29 Cd\nCURB WEIGHT 2837 lbs. \nCARGO CAPACITY, ALL SEATS IN PLACE 15.1 cu.ft. \nCompetitors: Honda Civic, Ford Focus, Hyundai Elantra, Kia Forte, Chevrolet Cruze','2015 Nissan Sentra Start up and Review 1.8 L 4-Cylinder','','publish','open','open','','2015-nissan-sentra-start-up-and-review-1-8-l-4-cylinder','','','2014-09-19 07:49:30','2014-09-19 07:49:30','',0,'http://www.l2ocredit.com/2014/09/19/2015-nissan-sentra-start-up-and-review-1-8-l-4-cylinder/',0,'post','',0),(9437,0,'2016-04-19 08:07:15','2016-04-19 12:07:15','','2015 Nissan Sentra Start up and Review 1.8 L 4-Cylinder','','inherit','open','closed','','2015-nissan-sentra-start-up-and-review-1-8-l-4-cylinder-2','','','2016-04-19 08:07:15','2016-04-19 12:07:15','',9436,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-nissan-sentra-start-up-and-review-1-8-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9438,0,'2016-04-19 08:07:16','2016-04-19 12:07:16','','2015 Nissan Sentra Start up and Review 1.8 L 4-Cylinder','','inherit','open','closed','','2015-nissan-sentra-start-up-and-review-1-8-l-4-cylinder-3','','','2016-04-19 08:07:16','2016-04-19 12:07:16','',9436,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-nissan-sentra-start-up-and-review-1-8-l-4-cylinder-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9439,0,'2016-04-19 08:07:16','2016-04-19 12:07:16','','2015 Nissan Sentra Start up and Review 1.8 L 4-Cylinder','','inherit','open','closed','','2015-nissan-sentra-start-up-and-review-1-8-l-4-cylinder-4','','','2016-04-19 08:07:16','2016-04-19 12:07:16','',9436,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-nissan-sentra-start-up-and-review-1-8-l-4-cylinder-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9440,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a jointly inherited property to her sister for a bargain price, but that doesn\'t mean she\'ll pay less tax on her gains</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',0,'http://www.moneysense.ca/?p=153062',0,'post','',0),(9441,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a jointly inherited property to her sister for a bargain price, but that doesn\'t mean she\'ll pay less tax on her gains</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',0,'http://www.moneysense.ca/?p=153062',0,'post','',0),(9442,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a jointly inherited property to her sister for a bargain price, but that doesn\'t mean she\'ll pay less tax on her gains</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',0,'http://www.moneysense.ca/?p=153062',0,'post','',0),(9443,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a jointly inherited property to her sister for a bargain price, but that doesn\'t mean she\'ll pay less tax on her gains</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',0,'http://www.moneysense.ca/?p=153062',0,'post','',0),(9444,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a jointly inherited property to her sister for a bargain price, but that doesn\'t mean she\'ll pay less tax on her gains</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9441-revision-v1','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',9441,'http://feedwordpress.radgeek.com/?rev=d38faad91da87985940bc52ed9fa982a',0,'revision','',0),(9445,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a jointly inherited property to her sister for a bargain price, but that doesn\'t mean she\'ll pay less tax on her gains</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9440-revision-v1','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',9440,'http://feedwordpress.radgeek.com/?rev=d38faad91da87985940bc52ed9fa982a',0,'revision','',0),(9446,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a jointly inherited property to her sister for a bargain price, but that doesn\'t mean she\'ll pay less tax on her gains</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9442-revision-v1','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',9442,'http://feedwordpress.radgeek.com/?rev=d38faad91da87985940bc52ed9fa982a',0,'revision','',0),(9447,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a jointly inherited property to her sister for a bargain price, but that doesn\'t mean she\'ll pay less tax on her gains</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9443-revision-v1','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',9443,'http://feedwordpress.radgeek.com/?rev=d38faad91da87985940bc52ed9fa982a',0,'revision','',0),(9448,1,'2014-11-03 11:00:08','2014-11-03 11:00:08','There\'s plenty of play in the Porsche Macan, though it plays more like a sports car rather than a stump-jumping SUV. Join KBB’s Micah Muzio as he puts Porsche’s first-ever small crossover through its paces. \n\nFor the latest Porsche Macan pricing and information:\nhttp://www.kbb.com/porsche/macan/2015-porsche-macan/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. \nhttp://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2016 Porsche Macan - Review and Road Test','','publish','open','open','','2016-porsche-macan-review-and-road-test','','','2014-11-03 11:00:08','2014-11-03 11:00:08','',0,'http://www.l2ocredit.com/2014/11/03/2016-porsche-macan-review-and-road-test/',0,'post','',0),(9449,0,'2016-04-19 08:23:06','2016-04-19 12:23:06','','2016 Porsche Macan &#8211; Review and Road Test','','inherit','open','closed','','2016-porsche-macan-review-and-road-test-2','','','2016-04-19 08:23:06','2016-04-19 12:23:06','',9448,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-porsche-macan-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9450,0,'2016-04-19 08:23:06','2016-04-19 12:23:06','','2016 Porsche Macan &#8211; Review and Road Test','','inherit','open','closed','','2016-porsche-macan-review-and-road-test-3','','','2016-04-19 08:23:06','2016-04-19 12:23:06','',9448,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-porsche-macan-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9451,0,'2016-04-19 08:23:06','2016-04-19 12:23:06','','2016 Porsche Macan &#8211; Review and Road Test','','inherit','open','closed','','2016-porsche-macan-review-and-road-test-4','','','2016-04-19 08:23:06','2016-04-19 12:23:06','',9448,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-porsche-macan-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9452,1,'2015-04-14 12:51:52','2015-04-14 12:51:52','Preparing for life with dependents? Well, you\'re in luck because these are the Top Five Best Family Sedans on the market today. This is The Short List!\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','Top 5 Best Family Sedans - The Short List','','publish','open','open','','top-5-best-family-sedans-the-short-list','','','2015-04-14 12:51:52','2015-04-14 12:51:52','',0,'http://www.l2ocredit.com/2015/04/14/top-5-best-family-sedans-the-short-list/',0,'post','',0),(9453,0,'2016-04-19 08:39:07','2016-04-19 12:39:07','','Top 5 Best Family Sedans &#8211; The Short List','','inherit','open','closed','','top-5-best-family-sedans-the-short-list-2','','','2016-04-19 08:39:07','2016-04-19 12:39:07','',9452,'http://www.l2ocredit.com/wp-content/uploads/2016/04/top-5-best-family-sedans-the-short-list-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9454,0,'2016-04-19 08:39:07','2016-04-19 12:39:07','','Top 5 Best Family Sedans &#8211; The Short List','','inherit','open','closed','','top-5-best-family-sedans-the-short-list-2','','','2016-04-19 08:39:07','2016-04-19 12:39:07','',9452,'http://www.l2ocredit.com/wp-content/uploads/2016/04/top-5-best-family-sedans-the-short-list-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9455,0,'2016-04-19 08:39:08','2016-04-19 12:39:08','','Top 5 Best Family Sedans &#8211; The Short List','','inherit','open','closed','','top-5-best-family-sedans-the-short-list-3','','','2016-04-19 08:39:08','2016-04-19 12:39:08','',9452,'http://www.l2ocredit.com/wp-content/uploads/2016/04/top-5-best-family-sedans-the-short-list-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9456,1,'2013-12-18 21:25:51','2013-12-18 21:25:51','The staff of the Petersen Automotive Museum and some surprise guests join Mean Gene &amp; MotoMan in sharing Christmas &amp; New Year wishes by answering an important question: What would Santa drive?\n\nOriginal music by Jim Watkins &amp; stayC Meyer. You can hear the entire song with stayC\'s amazing lyrics at:\nhttp://goo.gl/NTPv1d\n\nFull 2013 MotoMan Christmas Poem Text:\n\nWOW! Is it really almost the end of 2013?\n\nThis one, it\'s been a big year for me &amp; Mean Gene\n\nThe seventh generation of Corvette may have gotten all the hype\n\nBut who can forget the back of the Jaguar F Type\n\nAnd yes while there is a new Escalade\n\nIt was our show that got quite the upgrade\n\nYou see, The Petersen Museum is now where we\'re live\n\nSo, friends, this Christmas we ponder the question of what would Santa drive?\n\nThe big man in red, a bit of a Hollywood star\n\nHow about something built by a man who\'s a pro with a guitar?\n\nNah, Billy\'s Caddy is just too blah\n\nSanta, he really needs a car once owned by a Shah\n\nWait a minute, If \'What would Jesus do\' is really the scope\n\nThen there\'s no question, it has to be a car made for a Pope\n\nMotoMan, come on, there can be only one choice\n\nBehold, the Round Door Rolls Royce\n\nInteresting, but COME ON Gene\n\nFor this Gentlemen gifter, a little something from Steve McQueen\n\nYou guys are both wrong! A guy that gives to the world, that takes guts\n\nThen it can only be a car built by Bob Lutz\n\nAre we not forgetting this is a man who lives in the cold\n\nSo why not a car made entirely of gold?\n\nRound the world in 24 hours, that\'s a record he owns\n\nMaybe it was St Nick who schooled Parnelli Jones\n\nSo does that mean all these years Santa has been quite sporty?\n\nIf so, then it has to be a GT40 . . .\n\nFull of Good Cheer, he appeals to our inner child\n\nHO HO HO, Mrs Klaus\' Bel Air is pretty wild\n\nNo matter how the big man rolls\n\nAn incredible journey is all of our goals\n\nSo from our family to yours\n\nMay 2014 open up many doors . . .\n\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Inside the MotoMan Studio at The Petersen Automotive Museum Playlist:\nhttp://goo.gl/4BUoje\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','MotoMan &amp; Petersen Automotive Museum Christmas 2013: What would Santa drive?','','publish','open','open','','motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive','','','2013-12-18 21:25:51','2013-12-18 21:25:51','',0,'http://www.l2ocredit.com/2013/12/18/motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive/',0,'post','',0),(9457,0,'2016-04-19 08:55:40','2016-04-19 12:55:40','','MotoMan &amp; Petersen Automotive Museum Christmas 2013: What would Santa drive?','','inherit','open','closed','','motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-2','','','2016-04-19 08:55:40','2016-04-19 12:55:40','',9456,'http://www.l2ocredit.com/wp-content/uploads/2016/04/motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9458,0,'2016-04-19 08:55:40','2016-04-19 12:55:40','','MotoMan &amp; Petersen Automotive Museum Christmas 2013: What would Santa drive?','','inherit','open','closed','','motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-3','','','2016-04-19 08:55:40','2016-04-19 12:55:40','',9456,'http://www.l2ocredit.com/wp-content/uploads/2016/04/motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9459,0,'2016-04-19 08:55:40','2016-04-19 12:55:40','','MotoMan &amp; Petersen Automotive Museum Christmas 2013: What would Santa drive?','','inherit','open','closed','','motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-3','','','2016-04-19 08:55:40','2016-04-19 12:55:40','',9456,'http://www.l2ocredit.com/wp-content/uploads/2016/04/motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9460,0,'2016-04-19 08:55:40','2016-04-19 12:55:40','','MotoMan &amp; Petersen Automotive Museum Christmas 2013: What would Santa drive?','','inherit','open','closed','','motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-4','','','2016-04-19 08:55:40','2016-04-19 12:55:40','',9456,'http://www.l2ocredit.com/wp-content/uploads/2016/04/motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9461,0,'2016-04-19 08:55:41','2016-04-19 12:55:41','','MotoMan &amp; Petersen Automotive Museum Christmas 2013: What would Santa drive?','','inherit','open','closed','','motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-5','','','2016-04-19 08:55:41','2016-04-19 12:55:41','',9456,'http://www.l2ocredit.com/wp-content/uploads/2016/04/motoman-petersen-automotive-museum-christmas-2013-what-would-santa-drive-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9462,1,'2014-07-19 18:24:05','2014-07-19 18:24:05','Is the Hyundai Genesis right for you? Check out the most detailed review on YouTube to find out. \n\nBe sure to LIKE this video! Liking and subscribing help AOA get access to cars!\nMore videos: http://goo.gl/Kj1FlI\nAlex\'s Favorite Cars: http://goo.gl/uGSNLI\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\n\nIf the 2009 Hyundai Genesis was a shot across the bow of Lexus and Infiniti, then the 2015 Genesis 5.0 is a torpedo hit below the water. While BMW and Mercedes didn\'t seem overly concerned about the last generation Genesis, this 2015 model should make them very worried indeed. \n\nFrom the outside, the Genesis (in all trims) strikes most of the right cords with luxury shoppers that prefer flowing lines to sharp creases. While previous products from Korea have been more imitation than innovation, the Genesis both deviates from the theme yet clearly draws inspiration from the rivals.\n\nOf course the ultimate question is: can Hyundai convince luxury car buyers that they can get most of the same goodies on a $50K Hyundai as a $70K German or Japanese sedan? Even if that hurdle can be jumped, will the brand conscious think twice? To those adventurous car shoppers who manage to look beyond brand perception, they will find a car maker with the best warranty in the industry making reliable cars with a dollop of style and a \'whole lotta\' value. What kind of buyer are you? Are you buying that LS460 because it carries a $70,000 price tag, or because you like the way it coddles you? Are you buying the BMW for the roundel or for the 0-60 time? I would posit the Hyundai does all the above minus the badge. As a result the Genesis is my new favorite car for 2014.\nStatistics powered by ChannelMeter http://channelmeter.com','2015 Hyundai Genesis 5.0 DETAILED Review and Road Test','','publish','open','open','','2015-hyundai-genesis-5-0-detailed-review-and-road-test','','','2014-07-19 18:24:05','2014-07-19 18:24:05','',0,'http://www.l2ocredit.com/2014/07/19/2015-hyundai-genesis-5-0-detailed-review-and-road-test/',0,'post','',0),(9463,0,'2016-04-19 09:11:22','2016-04-19 13:11:22','','2015 Hyundai Genesis 5.0 DETAILED Review and Road Test','','inherit','open','closed','','2015-hyundai-genesis-5-0-detailed-review-and-road-test-2','','','2016-04-19 09:11:22','2016-04-19 13:11:22','',9462,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-genesis-5-0-detailed-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9464,0,'2016-04-19 09:11:22','2016-04-19 13:11:22','','2015 Hyundai Genesis 5.0 DETAILED Review and Road Test','','inherit','open','closed','','2015-hyundai-genesis-5-0-detailed-review-and-road-test-3','','','2016-04-19 09:11:22','2016-04-19 13:11:22','',9462,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-genesis-5-0-detailed-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9465,0,'2016-04-19 09:11:23','2016-04-19 13:11:23','','2015 Hyundai Genesis 5.0 DETAILED Review and Road Test','','inherit','open','closed','','2015-hyundai-genesis-5-0-detailed-review-and-road-test-4','','','2016-04-19 09:11:23','2016-04-19 13:11:23','',9462,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-genesis-5-0-detailed-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9466,1,'2016-04-19 09:00:28','2016-04-19 13:00:28','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/259735286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: A simple way to achieve your money goals','<p>Writing down a plan will make your goals concrete versus a fantasy</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 09:00:28','2016-04-19 13:00:28','',0,'http://www.moneysense.ca/?p=153016',0,'post','',0),(9467,1,'2016-04-19 09:00:28','2016-04-19 13:00:28','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/259735286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: A simple way to achieve your money goals','<p>Writing down a plan will make your goals concrete versus a fantasy</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 09:00:28','2016-04-19 13:00:28','',0,'http://www.moneysense.ca/?p=153016',0,'post','',0),(9468,1,'2016-04-19 09:00:28','2016-04-19 13:00:28','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/259735286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: A simple way to achieve your money goals','<p>Writing down a plan will make your goals concrete versus a fantasy</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9466-revision-v1','','','2016-04-19 09:00:28','2016-04-19 13:00:28','',9466,'http://feedwordpress.radgeek.com/?rev=4f5253bbf66512c0be3fa50c13960298',0,'revision','',0),(9469,1,'2016-04-19 09:00:28','2016-04-19 13:00:28','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/259735286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: A simple way to achieve your money goals','<p>Writing down a plan will make your goals concrete versus a fantasy</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9467-revision-v1','','','2016-04-19 09:00:28','2016-04-19 13:00:28','',9467,'http://feedwordpress.radgeek.com/?rev=4f5253bbf66512c0be3fa50c13960298',0,'revision','',0),(9470,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a property to her sister for a bargain price. Does that mean she pays less tax?</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9443-revision-v1','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',9443,'http://feedwordpress.radgeek.com/?rev=79d1a2deaf8cfc781c3a356f3b8cf89b',0,'revision','',0),(9471,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to 5 years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a property to her sister for a bargain price. Does that mean she pays less tax?</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9443-revision-v1','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',9443,'http://feedwordpress.radgeek.com/?rev=79d1a2deaf8cfc781c3a356f3b8cf89b',0,'revision','',0),(9472,1,'2016-04-11 15:30:00','2016-04-11 15:30:00','The Honda Accord coupe is the last of a rare breed. What\'s it like to drive one of the last FWD midsize coupes you can buy? Full article: http://wp.me/p3LQCT-11x0\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','Car Review | 2016 Honda Accord coupe | Driving.ca','','publish','open','open','','car-review-2016-honda-accord-coupe-driving-ca','','','2016-04-11 15:30:00','2016-04-11 15:30:00','',0,'http://www.l2ocredit.com/2016/04/11/car-review-2016-honda-accord-coupe-driving-ca/',0,'post','',0),(9473,0,'2016-04-19 09:32:09','2016-04-19 13:32:09','','Car Review | 2016 Honda Accord coupe | Driving.ca','','inherit','open','closed','','car-review-2016-honda-accord-coupe-driving-ca-2','','','2016-04-19 09:32:09','2016-04-19 13:32:09','',9472,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-honda-accord-coupe-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9474,0,'2016-04-19 09:32:09','2016-04-19 13:32:09','','Car Review | 2016 Honda Accord coupe | Driving.ca','','inherit','open','closed','','car-review-2016-honda-accord-coupe-driving-ca-3','','','2016-04-19 09:32:09','2016-04-19 13:32:09','',9472,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-review-2016-honda-accord-coupe-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9475,1,'2012-01-17 01:25:33','2012-01-17 01:25:33','Here are a few of the highlights from this years North American International Auto show in Detroit, including the beautiful Lexus LF-LC and Acura NSX\nFrom www.motormouth.ca','2012 Detroit Auto Show (NAIAS) Concept Cars.mov','','publish','open','open','','2012-detroit-auto-show-naias-concept-cars-mov','','','2012-01-17 01:25:33','2012-01-17 01:25:33','',0,'http://www.l2ocredit.com/2012/01/17/2012-detroit-auto-show-naias-concept-cars-mov/',0,'post','',0),(9476,0,'2016-04-19 10:05:37','2016-04-19 14:05:37','','2012 Detroit Auto Show (NAIAS) Concept Cars.mov','','inherit','open','closed','','2012-detroit-auto-show-naias-concept-cars-mov-2','','','2016-04-19 10:05:37','2016-04-19 14:05:37','',9475,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-detroit-auto-show-naias-concept-cars-mov-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9477,0,'2016-04-19 10:05:40','2016-04-19 14:05:40','','2012 Detroit Auto Show (NAIAS) Concept Cars.mov','','inherit','open','closed','','2012-detroit-auto-show-naias-concept-cars-mov-3','','','2016-04-19 10:05:40','2016-04-19 14:05:40','',9475,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-detroit-auto-show-naias-concept-cars-mov-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9478,0,'2016-04-19 10:05:40','2016-04-19 14:05:40','','2012 Detroit Auto Show (NAIAS) Concept Cars.mov','','inherit','open','closed','','2012-detroit-auto-show-naias-concept-cars-mov-4','','','2016-04-19 10:05:40','2016-04-19 14:05:40','',9475,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-detroit-auto-show-naias-concept-cars-mov-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9479,0,'2016-04-19 10:05:43','2016-04-19 14:05:43','','2012 Detroit Auto Show (NAIAS) Concept Cars.mov','','inherit','open','closed','','2012-detroit-auto-show-naias-concept-cars-mov-5','','','2016-04-19 10:05:43','2016-04-19 14:05:43','',9475,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-detroit-auto-show-naias-concept-cars-mov-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9480,1,'2014-09-18 06:48:17','2014-09-18 06:48:17','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4.5/5','2015 Volkswagen Passat Start Up and Review 1.8 L Turbo 4-Cylinder','','publish','open','open','','2015-volkswagen-passat-start-up-and-review-1-8-l-turbo-4-cylinder','','','2014-09-18 06:48:17','2014-09-18 06:48:17','',0,'http://www.l2ocredit.com/2014/09/18/2015-volkswagen-passat-start-up-and-review-1-8-l-turbo-4-cylinder/',0,'post','',0),(9481,0,'2016-04-19 10:21:22','2016-04-19 14:21:22','','2015 Volkswagen Passat Start Up and Review 1.8 L Turbo 4-Cylinder','','inherit','open','closed','','2015-volkswagen-passat-start-up-and-review-1-8-l-turbo-4-cylinder-2','','','2016-04-19 10:21:22','2016-04-19 14:21:22','',9480,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-volkswagen-passat-start-up-and-review-1-8-l-turbo-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9482,0,'2016-04-19 10:21:22','2016-04-19 14:21:22','','2015 Volkswagen Passat Start Up and Review 1.8 L Turbo 4-Cylinder','','inherit','open','closed','','2015-volkswagen-passat-start-up-and-review-1-8-l-turbo-4-cylinder-2','','','2016-04-19 10:21:22','2016-04-19 14:21:22','',9480,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-volkswagen-passat-start-up-and-review-1-8-l-turbo-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9483,0,'2016-04-19 10:21:22','2016-04-19 14:21:22','','2015 Volkswagen Passat Start Up and Review 1.8 L Turbo 4-Cylinder','','inherit','open','closed','','2015-volkswagen-passat-start-up-and-review-1-8-l-turbo-4-cylinder-2','','','2016-04-19 10:21:22','2016-04-19 14:21:22','',9480,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-volkswagen-passat-start-up-and-review-1-8-l-turbo-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9484,1,'2014-10-29 15:44:58','2014-10-29 15:44:58','The Subaru Outback is best known for its sure-footed demeanor in foul weather. So when Subaru tossed us the keys to a 5th-generation Outback in the middle of summer, we decided to take it to the mountains anyway – but not for the reason you might expect. \n\nFor the latest Subaru Outback pricing and information:\nhttp://www.kbb.com/subaru/outback/2015-subaru-outback/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb','KBB Goes Downhill Mountain Biking','','publish','open','open','','kbb-goes-downhill-mountain-biking','','','2014-10-29 15:44:58','2014-10-29 15:44:58','',0,'http://www.l2ocredit.com/2014/10/29/kbb-goes-downhill-mountain-biking/',0,'post','',0),(9485,0,'2016-04-19 10:37:13','2016-04-19 14:37:13','','KBB Goes Downhill Mountain Biking','','inherit','open','closed','','kbb-goes-downhill-mountain-biking-2','','','2016-04-19 10:37:13','2016-04-19 14:37:13','',9484,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kbb-goes-downhill-mountain-biking-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9486,0,'2016-04-19 10:37:13','2016-04-19 14:37:13','','KBB Goes Downhill Mountain Biking','','inherit','open','closed','','kbb-goes-downhill-mountain-biking-3','','','2016-04-19 10:37:13','2016-04-19 14:37:13','',9484,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kbb-goes-downhill-mountain-biking-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9487,0,'2016-04-19 10:37:13','2016-04-19 14:37:13','','KBB Goes Downhill Mountain Biking','','inherit','open','closed','','kbb-goes-downhill-mountain-biking-4','','','2016-04-19 10:37:13','2016-04-19 14:37:13','',9484,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kbb-goes-downhill-mountain-biking-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9488,0,'2016-04-19 10:37:13','2016-04-19 14:37:13','','KBB Goes Downhill Mountain Biking','','inherit','open','closed','','kbb-goes-downhill-mountain-biking-5','','','2016-04-19 10:37:13','2016-04-19 14:37:13','',9484,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kbb-goes-downhill-mountain-biking-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9489,0,'2016-04-19 10:37:13','2016-04-19 14:37:13','','KBB Goes Downhill Mountain Biking','','inherit','open','closed','','kbb-goes-downhill-mountain-biking-6','','','2016-04-19 10:37:13','2016-04-19 14:37:13','',9484,'http://www.l2ocredit.com/wp-content/uploads/2016/04/kbb-goes-downhill-mountain-biking-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9490,1,'2016-04-19 09:00:28','2016-04-19 13:00:28','<p><iframe src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/259735286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\" width=\"100%\" height=\"166\" frameborder=\"no\" scrolling=\"no\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: A simple way to achieve your money goals','<p>Write down the perfect plan with 3 easy steps</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/a-simple-way-to-achieve-your-money-goals/\">Listen: A simple way to achieve your money goals</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9467-revision-v1','','','2016-04-19 09:00:28','2016-04-19 13:00:28','',9467,'http://feedwordpress.radgeek.com/?rev=6e0fe67d35d4448d004a1a56f05cde4d',0,'revision','',0),(9491,1,'2014-07-18 16:13:15','2014-07-18 16:13:15','In this week\'s child seat review I take a look at the all-new 2015 Hyundai Genesis. The Genesis has been thoroughly redesigned for the 2015 model year to elevate the brand further than the previous Genesis and more directly compete with the Mercedes E-Class, BMW 5-Series and Lexus GS. While the old model was frequently compared to the Chrysler 300, this Genesis really takes things up a notch. \n\nJoin me as I check to see how one, two and three child seats fit in the rear. I\'ll go over rearward facing seats and jam everything in the trunk to see if it fits.\nStatistics powered by ChannelMeter http://channelmeter.com','2015 Hyundai Genesis Child Seat Review','','publish','open','open','','2015-hyundai-genesis-child-seat-review','','','2014-07-18 16:13:15','2014-07-18 16:13:15','',0,'http://www.l2ocredit.com/2014/07/18/2015-hyundai-genesis-child-seat-review/',0,'post','',0),(9492,0,'2016-04-19 11:38:11','2016-04-19 15:38:11','','2015 Hyundai Genesis Child Seat Review','','inherit','open','closed','','2015-hyundai-genesis-child-seat-review-2','','','2016-04-19 11:38:11','2016-04-19 15:38:11','',9491,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-genesis-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9493,0,'2016-04-19 11:38:11','2016-04-19 15:38:11','','2015 Hyundai Genesis Child Seat Review','','inherit','open','closed','','2015-hyundai-genesis-child-seat-review-3','','','2016-04-19 11:38:11','2016-04-19 15:38:11','',9491,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-genesis-child-seat-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9494,0,'2016-04-19 11:38:12','2016-04-19 15:38:12','','2015 Hyundai Genesis Child Seat Review','','inherit','open','closed','','2015-hyundai-genesis-child-seat-review-4','','','2016-04-19 11:38:12','2016-04-19 15:38:12','',9491,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-genesis-child-seat-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9495,0,'2016-04-19 11:38:14','2016-04-19 15:38:14','','2015 Hyundai Genesis Child Seat Review','','inherit','open','closed','','2015-hyundai-genesis-child-seat-review-5','','','2016-04-19 11:38:14','2016-04-19 15:38:14','',9491,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-hyundai-genesis-child-seat-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9496,1,'2016-03-29 14:00:02','2016-03-29 14:00:02','Scion might be dead but the brand\'s iM isn\'t retired from duty yet. How does it compare to the Mazda3? Full article: http://wp.me/p3LQCT-12a0\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','Car Comparison | 2016 Scion iM vs 2016 Mazda3 | Driving.ca','','publish','open','open','','car-comparison-2016-scion-im-vs-2016-mazda3-driving-ca','','','2016-03-29 14:00:02','2016-03-29 14:00:02','',0,'http://www.l2ocredit.com/2016/03/29/car-comparison-2016-scion-im-vs-2016-mazda3-driving-ca/',0,'post','',0),(9497,0,'2016-04-19 11:54:01','2016-04-19 15:54:01','','Car Comparison | 2016 Scion iM vs 2016 Mazda3 | Driving.ca','','inherit','open','closed','','car-comparison-2016-scion-im-vs-2016-mazda3-driving-ca-2','','','2016-04-19 11:54:01','2016-04-19 15:54:01','',9496,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-comparison-2016-scion-im-vs-2016-mazda3-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9498,0,'2016-04-19 11:54:01','2016-04-19 15:54:01','','Car Comparison | 2016 Scion iM vs 2016 Mazda3 | Driving.ca','','inherit','open','closed','','car-comparison-2016-scion-im-vs-2016-mazda3-driving-ca-3','','','2016-04-19 11:54:01','2016-04-19 15:54:01','',9496,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-comparison-2016-scion-im-vs-2016-mazda3-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9499,0,'2016-04-19 11:54:04','2016-04-19 15:54:04','','Car Comparison | 2016 Scion iM vs 2016 Mazda3 | Driving.ca','','inherit','open','closed','','car-comparison-2016-scion-im-vs-2016-mazda3-driving-ca-4','','','2016-04-19 11:54:04','2016-04-19 15:54:04','',9496,'http://www.l2ocredit.com/wp-content/uploads/2016/04/car-comparison-2016-scion-im-vs-2016-mazda3-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9500,1,'2016-04-19 11:08:26','2016-04-19 15:08:26','<p>TORONTO – The Airbnb of car rentals is launching in three Canadian provinces in a limited international expansion as it grapples with the types of insurance headaches that often plague sharing-economy startups.</p>\n<p>Turo, which debuted in the U.S. as RelayRides in 2009 and now operates in more than 2,500 cities, facilitates vehicle rentals between car owners wanting some extra cash and strangers needing a ride.</p>\n<p>Those hoping to make money from their cars when they’re not driving them register them online to rent vehicles to other Turo members.</p>\n<p>Turo determines the rental cost of available vehicles each day based on data like the car’s market value, location and time of year. The company pockets 25 per cent of the rental fee, which includes a charge for the owner’s insurance coverage during the rental.</p>\n<p>As of today, people in Alberta, Ontario or Quebec can sign up online to either list their vehicle or rent available cars by the day through Turo.</p>\n<p>But provincially regulated insurance rules have made a seamless transition north of the border difficult.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/auto/how-to-make-money-from-your-car/\">How to make money from your car » </a></p>\n<p>This limited launch “was the most expedient way for Turo to bring peer-to-peer sharing to Canada,” said Cedric Mathieu, Turo’s director of Canada, in an emailed statement.</p>\n<p>Turo has partnered with Intact Financial Corporation and Belairdirect to provide insurance for Canadian clients, a move that will make the service more attractive to customers, said CEO Andre Haddad.</p>\n<p>Anyone living in or visiting those three provinces — and approved by Turo’s verification system, which takes into account driving history — can rent a vehicle. They can choose to opt out of insurance, or to add on basic or premium coverage when renting — at 15 or 40 per cent of the trip’s price.</p>\n<p>Any claims that arise from a Turo car rental have no impact on the owner’s personal insurance, said Stephanie Sorensen, director of external communications and corporate social responsibility for Intact.</p>\n<p>But it’s not so simple for people looking to rent out their cars, as insurance companies grapple with how to provide coverage.</p>\n<p>Currently, only car owners insured by Intact Insurance and Belairdirect who live in those three provinces can list their vehicles on Turo. The insurers have modified their product offerings to permit their customers to do so, said Mathieu.</p>\n<p>“Moving forward, we are working with other leading Canadian insurers to modify their terms and conditions to enable their customers to also participate in peer-to-peer car sharing,” he said.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/do-car-sharing-programs-really-save-you-money/\">Do car-sharing programs really save you money? » </a></p>\n<p>The company also plans to move beyond Quebec, Ontario and Alberta, and is “working with each province’s unique insurance laws and regulatory framework to make this happen,” said Mathieu.</p>\n<p>As Turo expands where it operates in Canada, Intact “will offer coverage to other provinces as permitted,” she said.</p>\n<p>Insurance has been a thorny issue for companies like Turo.</p>\n<p>Ride-hailing service Uber has also struggled with insurance for its Canadian operations.</p>\n<p>Uber recently temporarily suspended operations in Edmonton and Calgary after the Alberta government announced it would not make insurance available to drivers until the summer, and created other roadblocks, including requiring drivers hold a commercial licence.</p>\n<p>Non-automotive services aren’t in the clear of insurance woes either.</p>\n<p>Airbnb, which allows people to rent a portion or all of their home to travellers, hit a stumbling block when some home owners complained their places were trashed. One Calgary family, for example, were left with $75,000 in damage following a raging house party.</p>\n<p>Airbnb, which offers up to $1 million for property damage in certain situations, said it would pay for the repairs.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/airbnb-of-cars-rentals-launches-in-canada/\">Airbnb of car rentals launches in Canada</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Airbnb of car rentals launches in Canada','<p>Available to those in Alberta, Ontario and Quebec </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/airbnb-of-cars-rentals-launches-in-canada/\">Airbnb of car rentals launches in Canada</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 11:08:26','2016-04-19 15:08:26','',0,'http://www.moneysense.ca/?p=153092',0,'post','',0),(9501,1,'2016-04-19 11:08:26','2016-04-19 15:08:26','<p>TORONTO – The Airbnb of car rentals is launching in three Canadian provinces in a limited international expansion as it grapples with the types of insurance headaches that often plague sharing-economy startups.</p>\n<p>Turo, which debuted in the U.S. as RelayRides in 2009 and now operates in more than 2,500 cities, facilitates vehicle rentals between car owners wanting some extra cash and strangers needing a ride.</p>\n<p>Those hoping to make money from their cars when they’re not driving them register them online to rent vehicles to other Turo members.</p>\n<p>Turo determines the rental cost of available vehicles each day based on data like the car’s market value, location and time of year. The company pockets 25 per cent of the rental fee, which includes a charge for the owner’s insurance coverage during the rental.</p>\n<p>As of today, people in Alberta, Ontario or Quebec can sign up online to either list their vehicle or rent available cars by the day through Turo.</p>\n<p>But provincially regulated insurance rules have made a seamless transition north of the border difficult.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/auto/how-to-make-money-from-your-car/\">How to make money from your car » </a></p>\n<p>This limited launch “was the most expedient way for Turo to bring peer-to-peer sharing to Canada,” said Cedric Mathieu, Turo’s director of Canada, in an emailed statement.</p>\n<p>Turo has partnered with Intact Financial Corporation and Belairdirect to provide insurance for Canadian clients, a move that will make the service more attractive to customers, said CEO Andre Haddad.</p>\n<p>Anyone living in or visiting those three provinces — and approved by Turo’s verification system, which takes into account driving history — can rent a vehicle. They can choose to opt out of insurance, or to add on basic or premium coverage when renting — at 15 or 40 per cent of the trip’s price.</p>\n<p>Any claims that arise from a Turo car rental have no impact on the owner’s personal insurance, said Stephanie Sorensen, director of external communications and corporate social responsibility for Intact.</p>\n<p>But it’s not so simple for people looking to rent out their cars, as insurance companies grapple with how to provide coverage.</p>\n<p>Currently, only car owners insured by Intact Insurance and Belairdirect who live in those three provinces can list their vehicles on Turo. The insurers have modified their product offerings to permit their customers to do so, said Mathieu.</p>\n<p>“Moving forward, we are working with other leading Canadian insurers to modify their terms and conditions to enable their customers to also participate in peer-to-peer car sharing,” he said.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/do-car-sharing-programs-really-save-you-money/\">Do car-sharing programs really save you money? » </a></p>\n<p>The company also plans to move beyond Quebec, Ontario and Alberta, and is “working with each province’s unique insurance laws and regulatory framework to make this happen,” said Mathieu.</p>\n<p>As Turo expands where it operates in Canada, Intact “will offer coverage to other provinces as permitted,” she said.</p>\n<p>Insurance has been a thorny issue for companies like Turo.</p>\n<p>Ride-hailing service Uber has also struggled with insurance for its Canadian operations.</p>\n<p>Uber recently temporarily suspended operations in Edmonton and Calgary after the Alberta government announced it would not make insurance available to drivers until the summer, and created other roadblocks, including requiring drivers hold a commercial licence.</p>\n<p>Non-automotive services aren’t in the clear of insurance woes either.</p>\n<p>Airbnb, which allows people to rent a portion or all of their home to travellers, hit a stumbling block when some home owners complained their places were trashed. One Calgary family, for example, were left with $75,000 in damage following a raging house party.</p>\n<p>Airbnb, which offers up to $1 million for property damage in certain situations, said it would pay for the repairs.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/airbnb-of-cars-rentals-launches-in-canada/\">Airbnb of car rentals launches in Canada</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Airbnb of car rentals launches in Canada','<p>Available to those in Alberta, Ontario and Quebec </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/airbnb-of-cars-rentals-launches-in-canada/\">Airbnb of car rentals launches in Canada</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9500-revision-v1','','','2016-04-19 11:08:26','2016-04-19 15:08:26','',9500,'http://feedwordpress.radgeek.com/?rev=3d33672c327805ef598e1c4d9e16d8c9',0,'revision','',0),(9502,1,'2016-04-19 08:00:00','2016-04-19 12:00:00','<p><em> </em><strong>Q: </strong>Do I have to pay income tax if I inherited a property jointly with my sister and she bought me out for less than half the appraised value of the property?</p>\n<p><em> —</em><em>Johanna</em></p>\n<p><strong>A: </strong>Asset sales between family members can be tricky to facilitate at a family level, let alone from a tax perspective. There are tax implications to be aware of here, Johanna.</p>\n<p>First, a primer on how capital gains tax works. For real estate, it’s based on the sale price, less selling costs, less capital improvements made to the property, less your adjusted cost base (ACB) or acquisition cost.</p>\n<p>Fifty percent of a capital gain is taxable and is added to your other sources of income for the tax year. A large capital gain—for example, on a piece of real estate—can easily push you into a higher tax bracket.</p>\n<p>There are nuances related to real estate like whether or not a property might qualify as a principal residence, whether a capital gains exemption was declared in 1994 if you inherited prior to that and so on that you also need to consider.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>In your case, Johanna, because you inherited the joint property, your adjusted cost base or acquisition cost should be one-half of the fair market value as of the date of death of the person you inherited the property from initially. They would have been deemed to have sold the property at fair market value on their death—a so-called deemed disposition. If the property was not their principle residence, they would have paid tax on their capital gain, if applicable, at that time.</p>\n<p>So if you are not sure of the value at the time of your acquisition, you could generally determine this from the deceased’s final tax return or estate information return for probate purposes where this value would be listed.</p>\n<p>A sale of property to a family member or someone who you are not dealing with at “arm’s length” generally takes place—for tax purposes—at fair market value. This is the case even if you legally sell it for less than the fair market value, as was the case with your sister. So using an artificially low sale price won’t negate the capital gains tax. Capital gains will be calculated based on the fair market value price, Johanna.</p>\n<p>If you have recently inherited the property, it may be that the current fair market value of the property and your adjusted cost base are roughly equal, meaning little or no capital gains tax payable. However, if it’s been a year or more, there’s a good chance that the value has increased based on the performance of many Canadian real estate markets. A realtor may be needed to perform a market value analysis and give you your fair market valuation.</p>\n<p>I’m not sure what the motivation was for selling the property at a discount to your sister, Johanna. If it was pure generosity, that’s nice of you, but you still may have tax to pay. Given your charitable intention, you should probably get a donation receipt! But you won’t, of course.</p>\n<p>If the capital gain is a large one and you don’t need the funds, you may consider splitting the receipt of funds from your sister over a period of up to five years, if it’s not too late. When you do this, you may be able to claim a capital gains reserve and split the capital gain over up to five years and potentially pay less tax. Whether or not this is possible or even worth it is a matter of fact.</p>\n<p>In summary, there may be capital gains tax payable on the sale of the home, despite the discounted price, Johanna. This reinforces why it’s advisable to solicit tax advice in advance of undertaking these sorts of transactions to ensure that you understand all of the facts and how best to plan accordingly.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Capital gains when selling property to family','<p>Johanna sold a property to her sister for a bargain price. Does that mean she pays less tax?</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/capital-gains-when-selling-property-to-family/\">Capital gains when selling property to family</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9443-revision-v1','','','2016-04-19 08:00:00','2016-04-19 12:00:00','',9443,'http://feedwordpress.radgeek.com/?rev=93a7e9368d9ddb129e6fd327a4c95d09',0,'revision','',0),(9503,1,'2016-04-18 13:52:39','2016-04-18 17:52:39','<p>So you&#8217;re in your fifties and haven&#8217;t started saving for retirement. You&#8217;re wracked with worry and guilt because you don&#8217;t have a hefty nest egg stored aside for your golden years. Guess what? It&#8217;s still possible to stop working 10 years from now and retire comfortably. Or at least, that&#8217;s what Chartered Professional Accountant David Trahair&#8217;s sixth book, <em>The Procrastinator’s Guide to Retirement</em> promises.</p>\n<p>Sound too good to be true? The following is an edited conversation between David and <em>MoneySense</em>’s Jonathan Chevreau, where the two discuss the best strategies for procrastinating pre-retirees to play catchup.</p>\n<p><strong>Jon Chevreau:</strong> <strong>David, what does it mean to be a procrastinator? Why this book right now?</strong></p>\n<p><strong>David Trahair:</strong>  Sadly, the majority of Canadians are still nowhere near prepared for retirement. Some are poor with money and spend more than they make each year and therefore have nothing to save, but many of us can’t be blamed for not saving earlier. Life is so expensive: the mortgage, car loans, house repairs, utilities, food, raising the kids. Many have a tough time just paying off their credit cards each month. So out of necessity, they become procrastinators: not because they’re throwing money away but because life is so expensive. The book’s message is that with ten years to go, it’s not hopeless even though it’s been very difficult to date.</p>\n<p><strong>JC:</strong> <strong>You say you yourself are a procrastinator?</strong></p>\n<p><strong>DT:</strong> Yes and it’s not because I’m fiscally irresponsible. I’m a cheap tightwad accountant! The problem is life is so costly in your 30s and 40s. I’m 57 now and both my wife and I are still working. We need two cars because we work in two different parts of the city. We have a house with a mortgage, and two kids who are in university or just graduating.</p>\n<p><strong>JC:</strong> <strong>Why are so many Canadians in this predicament? How many are there who have saved little or nothing for retirement, or worse, are still hopelessly mired in debt?</strong></p>\n<p><strong>DT:</strong> According to the Canadian Bankers Association, 60% of Canadians pay off their credit cards every month and therefore don’t pay interest, but that means 40% can’t even pay them off. That’s astoundingly horrible news and indicates the need for more financial literacy. People need to figure out how bad being a credit card “revolver” is and what a terrible time retirement is going to be if they don’t get their act together.</p>\n<p><strong>JC:  Most financial advisors stress saving as early in life as possible. Is there anyone who <em>can</em> afford to be a procrastinator?</strong></p>\n<p><strong>DT:</strong> Perhaps those with Government or executive jobs offering Defined Benefit pensions and of course the minority of successful business owners and those who inherit wealth or win the lottery.</p>\n<p><strong>JC:</strong> <strong>Or perhaps very low-income senior couples who never saved, are used to being frugal and who can survive solely on Canada Pension Plan (CPP), Old Age Security (OAS) and the Guaranteed Income Supplement (GIS)? I know a few who did that.</strong></p>\n<p><strong>DT:</strong> I agree. It really depends on the situation. If you have a paid-off house you may not need much more than the government pension plans.  But I’m trying to get to all the rest – those procrastinators who need additional savings—while there’s still time; 10 years left. Start saving so you’re not in the situation where you’re retired and it’s OAS and CPP and that’s it.</p>\n<p><strong>JC:</strong> <strong>Why is it so hard for procrastinators to play catchup?</strong></p>\n<p><strong>DT:</strong> I think we’re in a low-return environment for the foreseeable future. Face it, very few people are going to be making 7 or 8% consistently after fees on their portfolios any more. That’s depressing but it’s the new reality. You used to be able to get rates like that on the equity portion of your portfolio but even generating 5% on your equities is going to be very difficult to achieve on a consistent basis after fees. The rule of thumb says you shouldn’t have more than 100 minus your age in equities; combine that with low interest rates and maybe we’ve got to plan on returns of 4 or 5% after fees. So those procrastinators who think a great rate of return is going to bail out their retirement plan could be in for a rude awakening.</p>\n<p><strong>JC:</strong> <strong>If rates are so low, aren’t quality dividend-paying stocks a valid alternative? I know in previous books and this one you prefer the safety of GICs to the risks of stocks.</strong></p>\n<p><strong>DT:</strong>  The book does argue that maybe simple GICs are all you need. I’m a big fan of them but only when they’re held in RRSPs, RRIFs or TFSAs due to the punitive taxation of interest if they’re held in regular investment accounts. Some argue GICs can’t match inflation but fixed-income products like GICs are actually quite good at fighting inflation because there is a correlation between interest rates and inflation. That’s because if inflation rises, the central banks will raise interest rates and they’ll do the reverse if it falls. As for stocks, significant exposure during retirement puts you at extreme financial risk. If you’re 65, that rule of thumb would allow only 35% of the portfolio to be allocated to the stock market.</p>\n<p><strong>JC:</strong> <strong>Let’s say you’re ten years out and not yet saved a dime. What’s the number one thing a procrastinator can do to save his or her retirement?</strong></p>\n<p><strong>DT:</strong> What becomes more and more important is not so much a great rate of return to save your retirement plan but plain old hard work and discipline and trying to cut expenses so there is more money to put away. Assuming that people with ten years to go are in the highest income bracket they’ve ever been in, then RRSPs work brilliantly since they get a refund at a high marginal tax rate on the contribution and pay tax at a lower rate when they make the withdrawal. That’s going to be the case for most procrastinators with ten years or less to go; they will be in a low bracket when they retire on much less income. So it’s a no brainer.</p>\n<p><strong>JC:</strong> <strong>How do TFSAs fit in the mix?</strong></p>\n<p><strong>DT:</strong> The Tax-free Savings Account is ideal for somebody like you who has maxed out the RRSP and paid off all consumer and mortgage debt. But for most procrastinators, RRSPs blow away TFSAs. And if you’ve maxed out on RRSPs and have consumer debt at 20% you’re way better off paying down debt than earning 3 or 4% in a TFSA. If you have a mortgage at 3.5%, you have to be pretty confident your TFSA can make an after-fee return of over 3 or 4%. If you can do that, the TFSA is the better option but paying off debt is a guarantee.</p>\n<p><strong>JC:</strong> <strong>What about non-saving seniors who plan to live only on CPP, OAS and GIS? I thought for them the TFSA is good because the RRSP and ultimately a RRIF is taxed.</strong></p>\n<p><strong>DT:</strong> It may make sense to use a TFSA if you expect to receive GIS, but that makes sense anyway because their tax bracket is lower so the RRSP wouldn’t give them much bang for the buck. For higher income people, the OAS clawback starts at $72,809 in 2015;  so wealthy people have to worry about it but the average Canadian can forget about OAS clawbacks; it won’t be a concern.</p>\n<p><strong>JC:</strong> <strong>It seems to me that procrastinators would be better off delaying retirement, aiming to retire somewhere between 65 and 70 rather than earlier. After all, both CPP and OAS pay more if you wait till 70, and if you are in a pension or have some investments, they’ll all grow more the longer you wait, plus you’ll shorten the drawdown period. Would you agree procrastinators should also delay retirement?</strong></p>\n<p><strong>DT:</strong> Yes, if possible. Even a one-year delay can be a significant benefit but the problem is many people don’t have that option. They’re laid off in their late 50s or early 60s but had planned for 65. The other thing is your health. Maybe you can wait until 70 if you’re in an office job but anyone in trades or construction will probably be burned out before then. If you can, aim at working an extra couple of years from when you thought you would retire.</p>\n<p><strong>JC:</strong> <strong>So it sounds like for procrastinators, the sweet spot is around 65?</strong></p>\n<p><strong>DT: </strong> Yes, that’s the general thinking for most people.  The key to retirement planning is to track where the money is currently going. Discover when your spending declines and that’s the golden opportunity with ten years to go and you’re still working. Realize there is a surplus and do something positive with it; if people don’t do that I worry that they will spend it; don’t be like ‘oh great, things have loosened up, let’s go on more trips and vacations, buy more toys’. Then you’ll end up in retirement with what you say: CPP, OAS and little else.</p>\n<p><strong>JC:</strong> <strong>Given your views on debt, I doubt you advocate going into retirement with mortgage or even credit-card debt?</strong></p>\n<p><strong>DT:</strong> The sad thing is the previous generation’s thinking was that going into retirement with a mortgage is a horrible thing to do but many of the current generation’s seniors don’t seem worried at all about going into retirement with a mortgage or even ugly consumer debt. I don’t see how that’s going to work.</p>\n<p><strong>JC:</strong> <strong>I’d argue a two-income couple can make RRSP contributions as well as pay down the mortgage.</strong></p>\n<p><strong>DT:</strong> For sure and that’s a very good point. For couples, it’s a joint strategy. It doesn’t have to be all or nothing; maybe one year one of you makes an RRSP contribution and the other doesn’t and pays down debt instead, and switch the next year because as we know, the key strategy with RRSPs is to even them up, to have about the same value at retirement. So yes, it’s not all or nothing.</p>\n<p><em>Jonathan Chevreau is the founder of the <em>Financial Independence Hub</em> and can be reached at jonathan@findependencehub.com. His own co-authored retirement book, Victory Lap Retirement, will be published late in the summer.</em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/retirement/procrastinating-on-saving-for-retirement-theres-still-hope/\">Procrastinating on saving for retirement?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Procrastinating on saving for retirement?','<p>It\'s possible to still retire in 10 years or less </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/retirement/procrastinating-on-saving-for-retirement-theres-still-hope/\">Procrastinating on saving for retirement?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9217-revision-v1','','','2016-04-18 13:52:39','2016-04-18 17:52:39','',9217,'http://feedwordpress.radgeek.com/?rev=ec10c0252557355c4b157fd4bf8d9ecc',0,'revision','',0),(9504,1,'2012-01-07 05:36:09','2012-01-07 05:36:09','Range Rover eneters the compact crossover market with the very stylish and fun to drive Evoque. \r\nFrom www.motormouth.ca','2012 Range Rover Evoque review','','publish','open','open','','2012-range-rover-evoque-review','','','2012-01-07 05:36:09','2012-01-07 05:36:09','',0,'http://www.l2ocredit.com/2012/01/07/2012-range-rover-evoque-review/',0,'post','',0),(9505,0,'2016-04-19 12:30:15','2016-04-19 16:30:15','','2012 Range Rover Evoque review','','inherit','open','closed','','2012-range-rover-evoque-review-2','','','2016-04-19 12:30:15','2016-04-19 16:30:15','',9504,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-range-rover-evoque-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9506,0,'2016-04-19 12:30:15','2016-04-19 16:30:15','','2012 Range Rover Evoque review','','inherit','open','closed','','2012-range-rover-evoque-review-3','','','2016-04-19 12:30:15','2016-04-19 16:30:15','',9504,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-range-rover-evoque-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9507,1,'2014-09-12 09:39:25','2014-09-12 09:39:25','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4.5/5 \nPowertrain Options: 2.0 L 4-Cylinder Turbo, 3.0 L 6-Cylinder Turbo, 4.4 L Twin Turbo V8, 3.0 L 6-Cylinder Turbo Diesel with an 8-Speed Automatic RWD or AWD \nEngine &amp; Performance\nBASE ENGINE SIZE 3.0 L \nCYLINDERS Inline 6\nVALVES 24 \nVALVE TIMING Variable\nTORQUE 295 ft-lbs. @ 1300 rpm \nHORSEPOWER 302 hp @ 5800 rpm\nFuel\nENGINE TYPE Gas \nFUEL TYPE Premium unleaded (required)\nFUEL TANK CAPACITY 18.5 gal. \nRANGE IN MILES (CTY/HWY) 370.0/555.0 mi.\nEPA MILEAGE EST. (CTY/HWY) 20/30 mpg  \nCompetitors: Mercedes-Benz E Class, Lexus GS, Audi A6','2015 BMW 5 Series (535i) Start Up and Review 3.0 L Inline 6-Cylinder Turbo','','publish','open','open','','2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo','','','2014-09-12 09:39:25','2014-09-12 09:39:25','',0,'http://www.l2ocredit.com/2014/09/12/2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo/',0,'post','',0),(9508,0,'2016-04-19 12:46:40','2016-04-19 16:46:40','','2015 BMW 5 Series (535i) Start Up and Review 3.0 L Inline 6-Cylinder Turbo','','inherit','open','closed','','2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo-2','','','2016-04-19 12:46:40','2016-04-19 16:46:40','',9507,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9509,0,'2016-04-19 12:46:40','2016-04-19 16:46:40','','2015 BMW 5 Series (535i) Start Up and Review 3.0 L Inline 6-Cylinder Turbo','','inherit','open','closed','','2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo-3','','','2016-04-19 12:46:40','2016-04-19 16:46:40','',9507,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9510,0,'2016-04-19 12:46:40','2016-04-19 16:46:40','','2015 BMW 5 Series (535i) Start Up and Review 3.0 L Inline 6-Cylinder Turbo','','inherit','open','closed','','2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo-3','','','2016-04-19 12:46:40','2016-04-19 16:46:40','',9507,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9511,0,'2016-04-19 12:46:40','2016-04-19 16:46:40','','2015 BMW 5 Series (535i) Start Up and Review 3.0 L Inline 6-Cylinder Turbo','','inherit','open','closed','','2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo-4','','','2016-04-19 12:46:40','2016-04-19 16:46:40','',9507,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-bmw-5-series-535i-start-up-and-review-3-0-l-inline-6-cylinder-turbo-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9512,1,'2016-04-19 12:18:21','2016-04-19 16:18:21','<p>Call them the “electronic wallet” generation, or the “swipe” kids, because no longer is the allowance debate about whether or not to pay their children to do chores. The conversation now surrounds getting children as young as five their own debit cards.</p>\n<p>“It’s a personal decision,” says Shirley Malloy<a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/#corr\" >*</a>, an associate vice-president at Toronto-Dominion Bank. “But there are definitely benefits for children or pre-teens to having their own debit card. First, it reflects our current reality around technology. It’s also a learning opportunity.” Malloy says parents can set a daily limit, so they take an active role in their children’s spending and saving habits, rather than just hand out cash once a week. “You can teach your child to be independent, to protect passwords, to think before they spend, and to pay themselves first.”</p>\n<p>Proponents of the plastic allowance say a first debit card is a modern passage into adulthood. It allows parents to easily transfer allowances into their children’s accounts whenever they want; kids can access the money with the swipe of a card. They don’t view it as a passport to profligacy. Some parents simply find it safer than young kids carrying cash. In fact, the e-allowance route, as opposed to handing cash to kids, who will rarely keep receipts for what they purchase, has its advantages, they argue.</p>\n<p>Tracy Devine Ruiz was a trend setter when she allowed her kids to have their own debit cards at age eight or nine. They’re now 16 and 18. “They had their allowance automatically deposited,” she recalls. “Any gifts or work money was deposited there as well.” Ruiz’s kids use the Royal Bank of Canada’s RBC Leo’s Young Savers account, which is plugged as “a great way” for children “to get started in savings and everyday banking.” The picture on the website shows a girl of around five or six relaxing with her grandfather, and there is an email transfer option (at $1 a pop) “to pay your friends back.”</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/raise-a-millionaire-talking-to-kids-about-money/\">Who wants to raise a millionaire? » </a></p>\n<p>Ruiz believes the experience made her children <a href=\"http://www.macleans.ca/society/life/playing-with-fire-how-much-risk-should-we-expose-our-kids-to/\" >more responsible</a> with money. She set no daily or weekly limits. “It was their account.” Nor was giving them debit cards the start of a life of financial indulgence. Her 18-year-old son, who works part-time, has to pay $75 a month in rent to live at home. That money is automatically deposited into <a href=\"http://www.macleans.ca/economy/economicanalysis/the-liberal-changes-to-tfsa-contributions-were-actually-historic/\" >a TFSA</a> for his future use, but he doesn’t know that. (Let’s hope he’s not an avid<em>Maclean’s </em>reader.) In fact, she says, getting the kids started young on automated <a href=\"http://www.macleans.ca/economy/economicanalysis/why-2016-is-shaping-up-to-be-a-bad-year-for-canadas-banks/\" >banking</a> has turned them into “cheapy cheaps, like their mom.”</p>\n<p>My own daughter has had a bank card for almost a year. She’s 12. She has a daily limit of $25, and a weekly limit of $100. If she wants to use more than her daily limit, she needs to see a teller. She has used her bank card at Starbucks, Freshii, and to buy hair elastics at the drugstore. She’s never spent close to her daily limit; nor has she lost her card or forgotten her PIN. She does not get an allowance, and she’s never asked. At present, there’s $122 in this account, tied to her debit card, and each week the funds are topped up to that amount. (She has a savings account too, which is untouchable, and thanks to the money kids rake in from birthdays these days, that balance is in the thousands.)</p>\n<p>I had to explain to my daughter how a bank card works, that there needs to be money in my account for my purchase to be approved. Thanks to all those talks, she understands now that money is not infinite. In fact, Malloy says that “often we don’t talk enough about money with our children.”</p>\n<p><a href=\"http://www.moneysense.ca/save/how-to-teach-kids-to-save/\">Teach kids to save money » </a></p>\n<p>Banks have certainly made the conversation easier, and more pressing. TD has a Family Allowance App, which aims to teach children how to set targets and be rewarded. Scotiabank has a Getting There Savings Program for minors that allows them to collect points toward movies, and CIBC offers an Advantage for Youth account that, with parental consent, can be accessed by kids online, by phone and via the Interac network.</p>\n<p>The flip side of the convenience: Allowance day is now every day. While a 2012 survey sponsored by the American Institute of CPAs found that the average allowance in the U.S. works out to $65 a month, or $780 a year, many parents I know seem to have done away with allowances altogether; instead they give their kids a debit card and transfer money whenever the child asks. “For parents it’s easy. They don’t have to go to a bank machine to get out money to give out,” says Malloy.</p>\n<p>The U.K. appears to have led the plastic-for-kids trend. The app goHenry was launched in 2008 by a group of parents who wanted to help their kids “learn about money in a safe environment.” It has now collaborated with Visa to offer a prepaid credit card, marketed for kids aged eight and up. A similar app, called Osper, has teamed up with Mastercard.</p>\n<p>Then again, the U.K. is also where Lloyds, the venerable bank, got in trouble with parents after it began mailings to children between 11 and 16, upgrading children’s accounts from cash-machine-only cards to ones with Visa options, which let them purchase goods over the Internet without their parents’ knowledge. One 15-year-old, who must have thought he’d hit the jackpot, bought 200 cigarettes, Viagra, and a fake ID card, all online. His <a href=\"http://www.macleans.ca/society/life/why-men-cant-have-it-all/\" >father</a> was less than pleased, and the story was all over the British press.</p>\n<p>In Canada, at least for now, prepaid credit cards notwithstanding, online banking for kids seems safer. If you’re under 12, as with most banks, the account is a joint one held with a parent or guardian. “Parents have a lot of control,” says Malloy. “You can take off the tapping option, so they need to swipe and know their own PIN number.” Malloy thinks a debit card is also a good way of starting conversations around what is affordable and not—“and not just for the child, but for the entire family.”</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/gifts-for-kids-that-will-teach-them-about-money/\">Gifts for kids that will teach them about money » </a></p>\n<p>“It’s not how I grew up and it’s not how my friends grew up,” admits Carly, a lawyer based in Calgary, who declined to use her last name. All three of her kids, aged 14, 12 and five, have debit cards. She checks their bank accounts almost daily and if she sees something “off” she’ll ask about it. “They will never write cheques like we do,” she says matter of factly. “Everything is going to online banking.” Responsibility for an account can teach longer-term planning, she says. She finds her children have become more money savvy, as it gives them pride when they see their accounts grow. “Likewise,” she says, “they feel embarrassed when their accounts are low.” Her 14-year-old spends way more time comparison shopping than she does.</p>\n<p>But talk of debit cards for children raises a broader question: are they just turning our children into dutiful consumers? My daughter’s debit card looks like my black Visa card. And already her wallet contains two prepaid Mastercards, one with President’s Choice Financial, for $50, and another one called the Ideal Choice, worth $200. Both were gifts for her birthday. Do debit cards and credit cards in a kid’s wallet—prepaid or not—simply start a lifelong plastic habit?</p>\n<p>Sheila Walkington, the CFO of Money Coaches Canada, is not opposed to the idea in principle. “Kids getting debit cards is a reality—this is our current way of getting money,” she says. But she is adamant that when it comes to allowances, kids need consistency. “The one thing we always say about allowance is they need to get it the same time or day.” Parents nowadays, she notes, often don’t use cash themselves, and they tend to replenish kids’ accounts when they remember, or have time. So kids don’t necessarily learn how to make money last all week, she says.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/skip-giving-your-child-an-allowance-for-doing-chores/\">Skip giving your child an allowance for chores » </a></p>\n<p>Responsible spending and saving aren’t the only lessons to be learned from allowances, suggests an article by Mona Ismaeil on the website <em>MuslimMoms.ca</em>. Her prescription for allowances includes teaching kids to regularly set aside a portion of the allowance for “offerings,” or money for charity—“a very important concept in Islam.” Given that charitable donations in Canada are in decline, it’s a habit that may be worth trying to cultivate early in life.</p>\n<p>Not every parent has jumped on the e-allowance bandwagon. Jenni Bolton, co-founder of CentsibleStudents.ca, has a 12- and 15-year-old, neither of whom has any plastic. “I’m still a traditionalist,” she says. “We as adults have lost cash interactions, and I think it’s more tangible for children to see real money and understand that two toonies and a loonie make five dollars.”</p>\n<p>Rubina Medhaq, a family finance adviser for PC Financial, would agree. She says there is no emotional connection with a piece of plastic. She also suggests it may be a class issue: in certain parts of certain cities, getting your child a debit card is just the norm, while in less affluent neighbourhoods, this wouldn’t even be a discussion. An oft-cited formula for allowances—a dollar for every year of the child’s life per week—is simply not affordable for everyone. As for those who do pay their kids for chores, or just give them an allowance, she favours cash. “The only way I can explain it is that you teach your children about physical education, but if they’re just dancing around with a video game it’s not the same thing as going outside and getting fresh air.”</p>\n<p><em><a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/\" >This article was originally published on Maclean&#8217;s</a>. </em></p>\n<h4><strong>Teaching your children about money</strong></h4>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT5M48S\" />\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=\"myExperience4174888570001\" 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=\"4174888570001\" />\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/should-you-give-your-kid-a-digital-allowance/\" />\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/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you give your kid a digital allowance?','<p>Children as young as five are getting their own debit cards</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 12:18:21','2016-04-19 16:18:21','',0,'http://www.moneysense.ca/?p=153104',0,'post','',0),(9513,1,'2016-04-19 12:18:21','2016-04-19 16:18:21','<p>Call them the “electronic wallet” generation, or the “swipe” kids, because no longer is the allowance debate about whether or not to pay their children to do chores. The conversation now surrounds getting children as young as five their own debit cards.</p>\n<p>“It’s a personal decision,” says Shirley Malloy<a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/#corr\" >*</a>, an associate vice-president at Toronto-Dominion Bank. “But there are definitely benefits for children or pre-teens to having their own debit card. First, it reflects our current reality around technology. It’s also a learning opportunity.” Malloy says parents can set a daily limit, so they take an active role in their children’s spending and saving habits, rather than just hand out cash once a week. “You can teach your child to be independent, to protect passwords, to think before they spend, and to pay themselves first.”</p>\n<p>Proponents of the plastic allowance say a first debit card is a modern passage into adulthood. It allows parents to easily transfer allowances into their children’s accounts whenever they want; kids can access the money with the swipe of a card. They don’t view it as a passport to profligacy. Some parents simply find it safer than young kids carrying cash. In fact, the e-allowance route, as opposed to handing cash to kids, who will rarely keep receipts for what they purchase, has its advantages, they argue.</p>\n<p>Tracy Devine Ruiz was a trend setter when she allowed her kids to have their own debit cards at age eight or nine. They’re now 16 and 18. “They had their allowance automatically deposited,” she recalls. “Any gifts or work money was deposited there as well.” Ruiz’s kids use the Royal Bank of Canada’s RBC Leo’s Young Savers account, which is plugged as “a great way” for children “to get started in savings and everyday banking.” The picture on the website shows a girl of around five or six relaxing with her grandfather, and there is an email transfer option (at $1 a pop) “to pay your friends back.”</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/raise-a-millionaire-talking-to-kids-about-money/\">Who wants to raise a millionaire? » </a></p>\n<p>Ruiz believes the experience made her children <a href=\"http://www.macleans.ca/society/life/playing-with-fire-how-much-risk-should-we-expose-our-kids-to/\" >more responsible</a> with money. She set no daily or weekly limits. “It was their account.” Nor was giving them debit cards the start of a life of financial indulgence. Her 18-year-old son, who works part-time, has to pay $75 a month in rent to live at home. That money is automatically deposited into <a href=\"http://www.macleans.ca/economy/economicanalysis/the-liberal-changes-to-tfsa-contributions-were-actually-historic/\" >a TFSA</a> for his future use, but he doesn’t know that. (Let’s hope he’s not an avid<em>Maclean’s </em>reader.) In fact, she says, getting the kids started young on automated <a href=\"http://www.macleans.ca/economy/economicanalysis/why-2016-is-shaping-up-to-be-a-bad-year-for-canadas-banks/\" >banking</a> has turned them into “cheapy cheaps, like their mom.”</p>\n<p>My own daughter has had a bank card for almost a year. She’s 12. She has a daily limit of $25, and a weekly limit of $100. If she wants to use more than her daily limit, she needs to see a teller. She has used her bank card at Starbucks, Freshii, and to buy hair elastics at the drugstore. She’s never spent close to her daily limit; nor has she lost her card or forgotten her PIN. She does not get an allowance, and she’s never asked. At present, there’s $122 in this account, tied to her debit card, and each week the funds are topped up to that amount. (She has a savings account too, which is untouchable, and thanks to the money kids rake in from birthdays these days, that balance is in the thousands.)</p>\n<p>I had to explain to my daughter how a bank card works, that there needs to be money in my account for my purchase to be approved. Thanks to all those talks, she understands now that money is not infinite. In fact, Malloy says that “often we don’t talk enough about money with our children.”</p>\n<p><a href=\"http://www.moneysense.ca/save/how-to-teach-kids-to-save/\">Teach kids to save money » </a></p>\n<p>Banks have certainly made the conversation easier, and more pressing. TD has a Family Allowance App, which aims to teach children how to set targets and be rewarded. Scotiabank has a Getting There Savings Program for minors that allows them to collect points toward movies, and CIBC offers an Advantage for Youth account that, with parental consent, can be accessed by kids online, by phone and via the Interac network.</p>\n<p>The flip side of the convenience: Allowance day is now every day. While a 2012 survey sponsored by the American Institute of CPAs found that the average allowance in the U.S. works out to $65 a month, or $780 a year, many parents I know seem to have done away with allowances altogether; instead they give their kids a debit card and transfer money whenever the child asks. “For parents it’s easy. They don’t have to go to a bank machine to get out money to give out,” says Malloy.</p>\n<p>The U.K. appears to have led the plastic-for-kids trend. The app goHenry was launched in 2008 by a group of parents who wanted to help their kids “learn about money in a safe environment.” It has now collaborated with Visa to offer a prepaid credit card, marketed for kids aged eight and up. A similar app, called Osper, has teamed up with Mastercard.</p>\n<p>Then again, the U.K. is also where Lloyds, the venerable bank, got in trouble with parents after it began mailings to children between 11 and 16, upgrading children’s accounts from cash-machine-only cards to ones with Visa options, which let them purchase goods over the Internet without their parents’ knowledge. One 15-year-old, who must have thought he’d hit the jackpot, bought 200 cigarettes, Viagra, and a fake ID card, all online. His <a href=\"http://www.macleans.ca/society/life/why-men-cant-have-it-all/\" >father</a> was less than pleased, and the story was all over the British press.</p>\n<p>In Canada, at least for now, prepaid credit cards notwithstanding, online banking for kids seems safer. If you’re under 12, as with most banks, the account is a joint one held with a parent or guardian. “Parents have a lot of control,” says Malloy. “You can take off the tapping option, so they need to swipe and know their own PIN number.” Malloy thinks a debit card is also a good way of starting conversations around what is affordable and not—“and not just for the child, but for the entire family.”</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/gifts-for-kids-that-will-teach-them-about-money/\">Gifts for kids that will teach them about money » </a></p>\n<p>“It’s not how I grew up and it’s not how my friends grew up,” admits Carly, a lawyer based in Calgary, who declined to use her last name. All three of her kids, aged 14, 12 and five, have debit cards. She checks their bank accounts almost daily and if she sees something “off” she’ll ask about it. “They will never write cheques like we do,” she says matter of factly. “Everything is going to online banking.” Responsibility for an account can teach longer-term planning, she says. She finds her children have become more money savvy, as it gives them pride when they see their accounts grow. “Likewise,” she says, “they feel embarrassed when their accounts are low.” Her 14-year-old spends way more time comparison shopping than she does.</p>\n<p>But talk of debit cards for children raises a broader question: are they just turning our children into dutiful consumers? My daughter’s debit card looks like my black Visa card. And already her wallet contains two prepaid Mastercards, one with President’s Choice Financial, for $50, and another one called the Ideal Choice, worth $200. Both were gifts for her birthday. Do debit cards and credit cards in a kid’s wallet—prepaid or not—simply start a lifelong plastic habit?</p>\n<p>Sheila Walkington, the CFO of Money Coaches Canada, is not opposed to the idea in principle. “Kids getting debit cards is a reality—this is our current way of getting money,” she says. But she is adamant that when it comes to allowances, kids need consistency. “The one thing we always say about allowance is they need to get it the same time or day.” Parents nowadays, she notes, often don’t use cash themselves, and they tend to replenish kids’ accounts when they remember, or have time. So kids don’t necessarily learn how to make money last all week, she says.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/skip-giving-your-child-an-allowance-for-doing-chores/\">Skip giving your child an allowance for chores » </a></p>\n<p>Responsible spending and saving aren’t the only lessons to be learned from allowances, suggests an article by Mona Ismaeil on the website <em>MuslimMoms.ca</em>. Her prescription for allowances includes teaching kids to regularly set aside a portion of the allowance for “offerings,” or money for charity—“a very important concept in Islam.” Given that charitable donations in Canada are in decline, it’s a habit that may be worth trying to cultivate early in life.</p>\n<p>Not every parent has jumped on the e-allowance bandwagon. Jenni Bolton, co-founder of CentsibleStudents.ca, has a 12- and 15-year-old, neither of whom has any plastic. “I’m still a traditionalist,” she says. “We as adults have lost cash interactions, and I think it’s more tangible for children to see real money and understand that two toonies and a loonie make five dollars.”</p>\n<p>Rubina Medhaq, a family finance adviser for PC Financial, would agree. She says there is no emotional connection with a piece of plastic. She also suggests it may be a class issue: in certain parts of certain cities, getting your child a debit card is just the norm, while in less affluent neighbourhoods, this wouldn’t even be a discussion. An oft-cited formula for allowances—a dollar for every year of the child’s life per week—is simply not affordable for everyone. As for those who do pay their kids for chores, or just give them an allowance, she favours cash. “The only way I can explain it is that you teach your children about physical education, but if they’re just dancing around with a video game it’s not the same thing as going outside and getting fresh air.”</p>\n<p><em><a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/\" >This article was originally published on Maclean&#8217;s</a>. </em></p>\n<h4><strong>Teaching your children about money</strong></h4>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT5M48S\" />\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=\"myExperience4174888570001\" 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=\"4174888570001\" />\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/should-you-give-your-kid-a-digital-allowance/\" />\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/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you give your kid a digital allowance?','<p>Children as young as five are getting their own debit cards</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 12:18:21','2016-04-19 16:18:21','',0,'http://www.moneysense.ca/?p=153104',0,'post','',0),(9514,1,'2016-04-19 12:18:21','2016-04-19 16:18:21','<p>Call them the “electronic wallet” generation, or the “swipe” kids, because no longer is the allowance debate about whether or not to pay their children to do chores. The conversation now surrounds getting children as young as five their own debit cards.</p>\n<p>“It’s a personal decision,” says Shirley Malloy<a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/#corr\" >*</a>, an associate vice-president at Toronto-Dominion Bank. “But there are definitely benefits for children or pre-teens to having their own debit card. First, it reflects our current reality around technology. It’s also a learning opportunity.” Malloy says parents can set a daily limit, so they take an active role in their children’s spending and saving habits, rather than just hand out cash once a week. “You can teach your child to be independent, to protect passwords, to think before they spend, and to pay themselves first.”</p>\n<p>Proponents of the plastic allowance say a first debit card is a modern passage into adulthood. It allows parents to easily transfer allowances into their children’s accounts whenever they want; kids can access the money with the swipe of a card. They don’t view it as a passport to profligacy. Some parents simply find it safer than young kids carrying cash. In fact, the e-allowance route, as opposed to handing cash to kids, who will rarely keep receipts for what they purchase, has its advantages, they argue.</p>\n<p>Tracy Devine Ruiz was a trend setter when she allowed her kids to have their own debit cards at age eight or nine. They’re now 16 and 18. “They had their allowance automatically deposited,” she recalls. “Any gifts or work money was deposited there as well.” Ruiz’s kids use the Royal Bank of Canada’s RBC Leo’s Young Savers account, which is plugged as “a great way” for children “to get started in savings and everyday banking.” The picture on the website shows a girl of around five or six relaxing with her grandfather, and there is an email transfer option (at $1 a pop) “to pay your friends back.”</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/raise-a-millionaire-talking-to-kids-about-money/\">Who wants to raise a millionaire? » </a></p>\n<p>Ruiz believes the experience made her children <a href=\"http://www.macleans.ca/society/life/playing-with-fire-how-much-risk-should-we-expose-our-kids-to/\" >more responsible</a> with money. She set no daily or weekly limits. “It was their account.” Nor was giving them debit cards the start of a life of financial indulgence. Her 18-year-old son, who works part-time, has to pay $75 a month in rent to live at home. That money is automatically deposited into <a href=\"http://www.macleans.ca/economy/economicanalysis/the-liberal-changes-to-tfsa-contributions-were-actually-historic/\" >a TFSA</a> for his future use, but he doesn’t know that. (Let’s hope he’s not an avid<em>Maclean’s </em>reader.) In fact, she says, getting the kids started young on automated <a href=\"http://www.macleans.ca/economy/economicanalysis/why-2016-is-shaping-up-to-be-a-bad-year-for-canadas-banks/\" >banking</a> has turned them into “cheapy cheaps, like their mom.”</p>\n<p>My own daughter has had a bank card for almost a year. She’s 12. She has a daily limit of $25, and a weekly limit of $100. If she wants to use more than her daily limit, she needs to see a teller. She has used her bank card at Starbucks, Freshii, and to buy hair elastics at the drugstore. She’s never spent close to her daily limit; nor has she lost her card or forgotten her PIN. She does not get an allowance, and she’s never asked. At present, there’s $122 in this account, tied to her debit card, and each week the funds are topped up to that amount. (She has a savings account too, which is untouchable, and thanks to the money kids rake in from birthdays these days, that balance is in the thousands.)</p>\n<p>I had to explain to my daughter how a bank card works, that there needs to be money in my account for my purchase to be approved. Thanks to all those talks, she understands now that money is not infinite. In fact, Malloy says that “often we don’t talk enough about money with our children.”</p>\n<p><a href=\"http://www.moneysense.ca/save/how-to-teach-kids-to-save/\">Teach kids to save money » </a></p>\n<p>Banks have certainly made the conversation easier, and more pressing. TD has a Family Allowance App, which aims to teach children how to set targets and be rewarded. Scotiabank has a Getting There Savings Program for minors that allows them to collect points toward movies, and CIBC offers an Advantage for Youth account that, with parental consent, can be accessed by kids online, by phone and via the Interac network.</p>\n<p>The flip side of the convenience: Allowance day is now every day. While a 2012 survey sponsored by the American Institute of CPAs found that the average allowance in the U.S. works out to $65 a month, or $780 a year, many parents I know seem to have done away with allowances altogether; instead they give their kids a debit card and transfer money whenever the child asks. “For parents it’s easy. They don’t have to go to a bank machine to get out money to give out,” says Malloy.</p>\n<p>The U.K. appears to have led the plastic-for-kids trend. The app goHenry was launched in 2008 by a group of parents who wanted to help their kids “learn about money in a safe environment.” It has now collaborated with Visa to offer a prepaid credit card, marketed for kids aged eight and up. A similar app, called Osper, has teamed up with Mastercard.</p>\n<p>Then again, the U.K. is also where Lloyds, the venerable bank, got in trouble with parents after it began mailings to children between 11 and 16, upgrading children’s accounts from cash-machine-only cards to ones with Visa options, which let them purchase goods over the Internet without their parents’ knowledge. One 15-year-old, who must have thought he’d hit the jackpot, bought 200 cigarettes, Viagra, and a fake ID card, all online. His <a href=\"http://www.macleans.ca/society/life/why-men-cant-have-it-all/\" >father</a> was less than pleased, and the story was all over the British press.</p>\n<p>In Canada, at least for now, prepaid credit cards notwithstanding, online banking for kids seems safer. If you’re under 12, as with most banks, the account is a joint one held with a parent or guardian. “Parents have a lot of control,” says Malloy. “You can take off the tapping option, so they need to swipe and know their own PIN number.” Malloy thinks a debit card is also a good way of starting conversations around what is affordable and not—“and not just for the child, but for the entire family.”</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/gifts-for-kids-that-will-teach-them-about-money/\">Gifts for kids that will teach them about money » </a></p>\n<p>“It’s not how I grew up and it’s not how my friends grew up,” admits Carly, a lawyer based in Calgary, who declined to use her last name. All three of her kids, aged 14, 12 and five, have debit cards. She checks their bank accounts almost daily and if she sees something “off” she’ll ask about it. “They will never write cheques like we do,” she says matter of factly. “Everything is going to online banking.” Responsibility for an account can teach longer-term planning, she says. She finds her children have become more money savvy, as it gives them pride when they see their accounts grow. “Likewise,” she says, “they feel embarrassed when their accounts are low.” Her 14-year-old spends way more time comparison shopping than she does.</p>\n<p>But talk of debit cards for children raises a broader question: are they just turning our children into dutiful consumers? My daughter’s debit card looks like my black Visa card. And already her wallet contains two prepaid Mastercards, one with President’s Choice Financial, for $50, and another one called the Ideal Choice, worth $200. Both were gifts for her birthday. Do debit cards and credit cards in a kid’s wallet—prepaid or not—simply start a lifelong plastic habit?</p>\n<p>Sheila Walkington, the CFO of Money Coaches Canada, is not opposed to the idea in principle. “Kids getting debit cards is a reality—this is our current way of getting money,” she says. But she is adamant that when it comes to allowances, kids need consistency. “The one thing we always say about allowance is they need to get it the same time or day.” Parents nowadays, she notes, often don’t use cash themselves, and they tend to replenish kids’ accounts when they remember, or have time. So kids don’t necessarily learn how to make money last all week, she says.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/skip-giving-your-child-an-allowance-for-doing-chores/\">Skip giving your child an allowance for chores » </a></p>\n<p>Responsible spending and saving aren’t the only lessons to be learned from allowances, suggests an article by Mona Ismaeil on the website <em>MuslimMoms.ca</em>. Her prescription for allowances includes teaching kids to regularly set aside a portion of the allowance for “offerings,” or money for charity—“a very important concept in Islam.” Given that charitable donations in Canada are in decline, it’s a habit that may be worth trying to cultivate early in life.</p>\n<p>Not every parent has jumped on the e-allowance bandwagon. Jenni Bolton, co-founder of CentsibleStudents.ca, has a 12- and 15-year-old, neither of whom has any plastic. “I’m still a traditionalist,” she says. “We as adults have lost cash interactions, and I think it’s more tangible for children to see real money and understand that two toonies and a loonie make five dollars.”</p>\n<p>Rubina Medhaq, a family finance adviser for PC Financial, would agree. She says there is no emotional connection with a piece of plastic. She also suggests it may be a class issue: in certain parts of certain cities, getting your child a debit card is just the norm, while in less affluent neighbourhoods, this wouldn’t even be a discussion. An oft-cited formula for allowances—a dollar for every year of the child’s life per week—is simply not affordable for everyone. As for those who do pay their kids for chores, or just give them an allowance, she favours cash. “The only way I can explain it is that you teach your children about physical education, but if they’re just dancing around with a video game it’s not the same thing as going outside and getting fresh air.”</p>\n<p><em><a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/\" >This article was originally published on Maclean&#8217;s</a>. </em></p>\n<h4><strong>Teaching your children about money</strong></h4>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT5M48S\" />\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=\"myExperience4174888570001\" 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=\"4174888570001\" />\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/should-you-give-your-kid-a-digital-allowance/\" />\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/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you give your kid a digital allowance?','<p>Children as young as five are getting their own debit cards</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9513-revision-v1','','','2016-04-19 12:18:21','2016-04-19 16:18:21','',9513,'http://feedwordpress.radgeek.com/?rev=c845817736d34890a1c6fbd346600981',0,'revision','',0),(9515,1,'2016-04-19 12:18:21','2016-04-19 16:18:21','<p>Call them the “electronic wallet” generation, or the “swipe” kids, because no longer is the allowance debate about whether or not to pay their children to do chores. The conversation now surrounds getting children as young as five their own debit cards.</p>\n<p>“It’s a personal decision,” says Shirley Malloy<a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/#corr\" >*</a>, an associate vice-president at Toronto-Dominion Bank. “But there are definitely benefits for children or pre-teens to having their own debit card. First, it reflects our current reality around technology. It’s also a learning opportunity.” Malloy says parents can set a daily limit, so they take an active role in their children’s spending and saving habits, rather than just hand out cash once a week. “You can teach your child to be independent, to protect passwords, to think before they spend, and to pay themselves first.”</p>\n<p>Proponents of the plastic allowance say a first debit card is a modern passage into adulthood. It allows parents to easily transfer allowances into their children’s accounts whenever they want; kids can access the money with the swipe of a card. They don’t view it as a passport to profligacy. Some parents simply find it safer than young kids carrying cash. In fact, the e-allowance route, as opposed to handing cash to kids, who will rarely keep receipts for what they purchase, has its advantages, they argue.</p>\n<p>Tracy Devine Ruiz was a trend setter when she allowed her kids to have their own debit cards at age eight or nine. They’re now 16 and 18. “They had their allowance automatically deposited,” she recalls. “Any gifts or work money was deposited there as well.” Ruiz’s kids use the Royal Bank of Canada’s RBC Leo’s Young Savers account, which is plugged as “a great way” for children “to get started in savings and everyday banking.” The picture on the website shows a girl of around five or six relaxing with her grandfather, and there is an email transfer option (at $1 a pop) “to pay your friends back.”</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/raise-a-millionaire-talking-to-kids-about-money/\">Who wants to raise a millionaire? » </a></p>\n<p>Ruiz believes the experience made her children <a href=\"http://www.macleans.ca/society/life/playing-with-fire-how-much-risk-should-we-expose-our-kids-to/\" >more responsible</a> with money. She set no daily or weekly limits. “It was their account.” Nor was giving them debit cards the start of a life of financial indulgence. Her 18-year-old son, who works part-time, has to pay $75 a month in rent to live at home. That money is automatically deposited into <a href=\"http://www.macleans.ca/economy/economicanalysis/the-liberal-changes-to-tfsa-contributions-were-actually-historic/\" >a TFSA</a> for his future use, but he doesn’t know that. (Let’s hope he’s not an avid<em>Maclean’s </em>reader.) In fact, she says, getting the kids started young on automated <a href=\"http://www.macleans.ca/economy/economicanalysis/why-2016-is-shaping-up-to-be-a-bad-year-for-canadas-banks/\" >banking</a> has turned them into “cheapy cheaps, like their mom.”</p>\n<p>My own daughter has had a bank card for almost a year. She’s 12. She has a daily limit of $25, and a weekly limit of $100. If she wants to use more than her daily limit, she needs to see a teller. She has used her bank card at Starbucks, Freshii, and to buy hair elastics at the drugstore. She’s never spent close to her daily limit; nor has she lost her card or forgotten her PIN. She does not get an allowance, and she’s never asked. At present, there’s $122 in this account, tied to her debit card, and each week the funds are topped up to that amount. (She has a savings account too, which is untouchable, and thanks to the money kids rake in from birthdays these days, that balance is in the thousands.)</p>\n<p>I had to explain to my daughter how a bank card works, that there needs to be money in my account for my purchase to be approved. Thanks to all those talks, she understands now that money is not infinite. In fact, Malloy says that “often we don’t talk enough about money with our children.”</p>\n<p><a href=\"http://www.moneysense.ca/save/how-to-teach-kids-to-save/\">Teach kids to save money » </a></p>\n<p>Banks have certainly made the conversation easier, and more pressing. TD has a Family Allowance App, which aims to teach children how to set targets and be rewarded. Scotiabank has a Getting There Savings Program for minors that allows them to collect points toward movies, and CIBC offers an Advantage for Youth account that, with parental consent, can be accessed by kids online, by phone and via the Interac network.</p>\n<p>The flip side of the convenience: Allowance day is now every day. While a 2012 survey sponsored by the American Institute of CPAs found that the average allowance in the U.S. works out to $65 a month, or $780 a year, many parents I know seem to have done away with allowances altogether; instead they give their kids a debit card and transfer money whenever the child asks. “For parents it’s easy. They don’t have to go to a bank machine to get out money to give out,” says Malloy.</p>\n<p>The U.K. appears to have led the plastic-for-kids trend. The app goHenry was launched in 2008 by a group of parents who wanted to help their kids “learn about money in a safe environment.” It has now collaborated with Visa to offer a prepaid credit card, marketed for kids aged eight and up. A similar app, called Osper, has teamed up with Mastercard.</p>\n<p>Then again, the U.K. is also where Lloyds, the venerable bank, got in trouble with parents after it began mailings to children between 11 and 16, upgrading children’s accounts from cash-machine-only cards to ones with Visa options, which let them purchase goods over the Internet without their parents’ knowledge. One 15-year-old, who must have thought he’d hit the jackpot, bought 200 cigarettes, Viagra, and a fake ID card, all online. His <a href=\"http://www.macleans.ca/society/life/why-men-cant-have-it-all/\" >father</a> was less than pleased, and the story was all over the British press.</p>\n<p>In Canada, at least for now, prepaid credit cards notwithstanding, online banking for kids seems safer. If you’re under 12, as with most banks, the account is a joint one held with a parent or guardian. “Parents have a lot of control,” says Malloy. “You can take off the tapping option, so they need to swipe and know their own PIN number.” Malloy thinks a debit card is also a good way of starting conversations around what is affordable and not—“and not just for the child, but for the entire family.”</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/gifts-for-kids-that-will-teach-them-about-money/\">Gifts for kids that will teach them about money » </a></p>\n<p>“It’s not how I grew up and it’s not how my friends grew up,” admits Carly, a lawyer based in Calgary, who declined to use her last name. All three of her kids, aged 14, 12 and five, have debit cards. She checks their bank accounts almost daily and if she sees something “off” she’ll ask about it. “They will never write cheques like we do,” she says matter of factly. “Everything is going to online banking.” Responsibility for an account can teach longer-term planning, she says. She finds her children have become more money savvy, as it gives them pride when they see their accounts grow. “Likewise,” she says, “they feel embarrassed when their accounts are low.” Her 14-year-old spends way more time comparison shopping than she does.</p>\n<p>But talk of debit cards for children raises a broader question: are they just turning our children into dutiful consumers? My daughter’s debit card looks like my black Visa card. And already her wallet contains two prepaid Mastercards, one with President’s Choice Financial, for $50, and another one called the Ideal Choice, worth $200. Both were gifts for her birthday. Do debit cards and credit cards in a kid’s wallet—prepaid or not—simply start a lifelong plastic habit?</p>\n<p>Sheila Walkington, the CFO of Money Coaches Canada, is not opposed to the idea in principle. “Kids getting debit cards is a reality—this is our current way of getting money,” she says. But she is adamant that when it comes to allowances, kids need consistency. “The one thing we always say about allowance is they need to get it the same time or day.” Parents nowadays, she notes, often don’t use cash themselves, and they tend to replenish kids’ accounts when they remember, or have time. So kids don’t necessarily learn how to make money last all week, she says.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/skip-giving-your-child-an-allowance-for-doing-chores/\">Skip giving your child an allowance for chores » </a></p>\n<p>Responsible spending and saving aren’t the only lessons to be learned from allowances, suggests an article by Mona Ismaeil on the website <em>MuslimMoms.ca</em>. Her prescription for allowances includes teaching kids to regularly set aside a portion of the allowance for “offerings,” or money for charity—“a very important concept in Islam.” Given that charitable donations in Canada are in decline, it’s a habit that may be worth trying to cultivate early in life.</p>\n<p>Not every parent has jumped on the e-allowance bandwagon. Jenni Bolton, co-founder of CentsibleStudents.ca, has a 12- and 15-year-old, neither of whom has any plastic. “I’m still a traditionalist,” she says. “We as adults have lost cash interactions, and I think it’s more tangible for children to see real money and understand that two toonies and a loonie make five dollars.”</p>\n<p>Rubina Medhaq, a family finance adviser for PC Financial, would agree. She says there is no emotional connection with a piece of plastic. She also suggests it may be a class issue: in certain parts of certain cities, getting your child a debit card is just the norm, while in less affluent neighbourhoods, this wouldn’t even be a discussion. An oft-cited formula for allowances—a dollar for every year of the child’s life per week—is simply not affordable for everyone. As for those who do pay their kids for chores, or just give them an allowance, she favours cash. “The only way I can explain it is that you teach your children about physical education, but if they’re just dancing around with a video game it’s not the same thing as going outside and getting fresh air.”</p>\n<p><em><a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/\" >This article was originally published on Maclean&#8217;s</a>. </em></p>\n<h4><strong>Teaching your children about money</strong></h4>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT5M48S\" />\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=\"myExperience4174888570001\" 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=\"4174888570001\" />\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/should-you-give-your-kid-a-digital-allowance/\" />\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/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you give your kid a digital allowance?','<p>Children as young as five are getting their own debit cards</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9512-revision-v1','','','2016-04-19 12:18:21','2016-04-19 16:18:21','',9512,'http://feedwordpress.radgeek.com/?rev=c845817736d34890a1c6fbd346600981',0,'revision','',0),(9516,1,'2014-10-27 10:00:05','2014-10-27 10:00:05','Since its introduction in the mid-1990s, the Subaru Outback has morphed from wagon, to wagonoid, to quasi-SUV. Now, the 5th-generation Outback signifies the final stage of metamorphosis into a genuine crossover. Join KBB’s Zach Vlasuk to see if the latest Outback is the best one yet.  \n\nFor the latest Subaru Outback pricing and information:\nhttp://www.kbb.com/subaru/outback/2015-subaru-outback/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Zach Vlasuk on Twitter, please visit: http://www.twitter.com/zachvlasuk','2016 Subaru Outback - Review and Road Test','','publish','open','open','','2016-subaru-outback-review-and-road-test','','','2014-10-27 10:00:05','2014-10-27 10:00:05','',0,'http://www.l2ocredit.com/2014/10/27/2016-subaru-outback-review-and-road-test/',0,'post','',0),(9517,0,'2016-04-19 13:01:47','2016-04-19 17:01:47','','2016 Subaru Outback &#8211; Review and Road Test','','inherit','open','closed','','2016-subaru-outback-review-and-road-test-2','','','2016-04-19 13:01:47','2016-04-19 17:01:47','',9516,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-subaru-outback-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9518,0,'2016-04-19 13:01:47','2016-04-19 17:01:47','','2016 Subaru Outback &#8211; Review and Road Test','','inherit','open','closed','','2016-subaru-outback-review-and-road-test-2','','','2016-04-19 13:01:47','2016-04-19 17:01:47','',9516,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-subaru-outback-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9519,0,'2016-04-19 13:01:47','2016-04-19 17:01:47','','2016 Subaru Outback &#8211; Review and Road Test','','inherit','open','closed','','2016-subaru-outback-review-and-road-test-3','','','2016-04-19 13:01:47','2016-04-19 17:01:47','',9516,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-subaru-outback-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9520,0,'2016-04-19 13:01:48','2016-04-19 17:01:48','','2016 Subaru Outback &#8211; Review and Road Test','','inherit','open','closed','','2016-subaru-outback-review-and-road-test-4','','','2016-04-19 13:01:48','2016-04-19 17:01:48','',9516,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-subaru-outback-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9521,1,'2015-04-03 16:34:32','2015-04-03 16:34:32','Don\'t miss our run-down of the top 10 cars of the New York Auto Show - with VIDEO!\n\nhttp://www.autoguide.com/auto-news/2015/04/top-10-new-york-auto-show-debuts.html\n\nSubscribe http://goo.gl/2VCPnb\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','Top 10 Cars of the 2015 New York Auto Show','','publish','open','open','','top-10-cars-of-the-2015-new-york-auto-show','','','2015-04-03 16:34:32','2015-04-03 16:34:32','',0,'http://www.l2ocredit.com/2015/04/03/top-10-cars-of-the-2015-new-york-auto-show/',0,'post','',0),(9522,0,'2016-04-19 13:17:12','2016-04-19 17:17:12','','Top 10 Cars of the 2015 New York Auto Show','','inherit','open','closed','','top-10-cars-of-the-2015-new-york-auto-show-2','','','2016-04-19 13:17:12','2016-04-19 17:17:12','',9521,'http://www.l2ocredit.com/wp-content/uploads/2016/04/top-10-cars-of-the-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9523,0,'2016-04-19 13:17:12','2016-04-19 17:17:12','','Top 10 Cars of the 2015 New York Auto Show','','inherit','open','closed','','top-10-cars-of-the-2015-new-york-auto-show-2','','','2016-04-19 13:17:12','2016-04-19 17:17:12','',9521,'http://www.l2ocredit.com/wp-content/uploads/2016/04/top-10-cars-of-the-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9524,0,'2016-04-19 13:17:13','2016-04-19 17:17:13','','Top 10 Cars of the 2015 New York Auto Show','','inherit','open','closed','','top-10-cars-of-the-2015-new-york-auto-show-3','','','2016-04-19 13:17:13','2016-04-19 17:17:13','',9521,'http://www.l2ocredit.com/wp-content/uploads/2016/04/top-10-cars-of-the-2015-new-york-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9525,1,'2013-12-10 17:56:49','2013-12-10 17:56:49','Kevin Conway of NASCAR and Lamborghini CEO Stephan Winkelmann talk to MotoMan about their Lamborghini Gallardo one make race series, Super Trofeo. MotoMan and a special guest give a detailed overview on the specially prepped Gallardo LP-570-4 that make up the series.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Lamborghini playlist:\nhttp://goo.gl/CO9HV2\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','Lamborghini Gallardo Super Trofeo with NASCAR\'s Kevin Conway','','publish','open','open','','lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway','','','2013-12-10 17:56:49','2013-12-10 17:56:49','',0,'http://www.l2ocredit.com/2013/12/10/lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway/',0,'post','',0),(9526,0,'2016-04-19 13:32:29','2016-04-19 17:32:29','','Lamborghini Gallardo Super Trofeo with NASCAR&#8217;s Kevin Conway','','inherit','open','closed','','lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-2','','','2016-04-19 13:32:29','2016-04-19 17:32:29','',9525,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9527,0,'2016-04-19 13:32:29','2016-04-19 17:32:29','','Lamborghini Gallardo Super Trofeo with NASCAR&#8217;s Kevin Conway','','inherit','open','closed','','lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-3','','','2016-04-19 13:32:29','2016-04-19 17:32:29','',9525,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9528,0,'2016-04-19 13:32:30','2016-04-19 17:32:30','','Lamborghini Gallardo Super Trofeo with NASCAR&#8217;s Kevin Conway','','inherit','open','closed','','lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-4','','','2016-04-19 13:32:30','2016-04-19 17:32:30','',9525,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9529,0,'2016-04-19 13:32:30','2016-04-19 17:32:30','','Lamborghini Gallardo Super Trofeo with NASCAR&#8217;s Kevin Conway','','inherit','open','closed','','lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-5','','','2016-04-19 13:32:30','2016-04-19 17:32:30','',9525,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9530,0,'2016-04-19 13:32:31','2016-04-19 17:32:31','','Lamborghini Gallardo Super Trofeo with NASCAR&#8217;s Kevin Conway','','inherit','open','closed','','lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-6','','','2016-04-19 13:32:31','2016-04-19 17:32:31','',9525,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9531,0,'2016-04-19 13:32:31','2016-04-19 17:32:31','','Lamborghini Gallardo Super Trofeo with NASCAR&#8217;s Kevin Conway','','inherit','open','closed','','lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-7','','','2016-04-19 13:32:31','2016-04-19 17:32:31','',9525,'http://www.l2ocredit.com/wp-content/uploads/2016/04/lamborghini-gallardo-super-trofeo-with-nascars-kevin-conway-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9532,1,'2014-07-15 22:16:50','2014-07-15 22:16:50','You asked for it, you got it! In this video I take a look at Subaru\'s AWD system and compare it to the FWD based systems in the competition as well as Audi\'s Quattro. Please note that this video deals primarily with the 2015 model year and I don\'t talk about the WRX or WRX STi which is slightly different.\nStatistics powered by ChannelMeter http://channelmeter.com','How Subaru\'s AWD System Works','','publish','open','open','','how-subarus-awd-system-works','','','2014-07-15 22:16:50','2014-07-15 22:16:50','',0,'http://www.l2ocredit.com/2014/07/15/how-subarus-awd-system-works/',0,'post','',0),(9533,0,'2016-04-19 13:48:45','2016-04-19 17:48:45','','How Subaru&#8217;s AWD System Works','','inherit','open','closed','','how-subarus-awd-system-works-2','','','2016-04-19 13:48:45','2016-04-19 17:48:45','',9532,'http://www.l2ocredit.com/wp-content/uploads/2016/04/how-subarus-awd-system-works-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9534,0,'2016-04-19 13:48:46','2016-04-19 17:48:46','','How Subaru&#8217;s AWD System Works','','inherit','open','closed','','how-subarus-awd-system-works-3','','','2016-04-19 13:48:46','2016-04-19 17:48:46','',9532,'http://www.l2ocredit.com/wp-content/uploads/2016/04/how-subarus-awd-system-works-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9535,1,'2016-03-23 20:08:19','2016-03-23 20:08:19','There were plenty of interesting and affordable cars at this year\'s New York Auto Show: http://driving.ca/toyota/auto-shows/new-york-auto-show/everyday-drivers-mini-goes-awd-toyota-beefs-up-the-prius\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','2016 New York Auto Show | Everyday Drivers | Driving.ca','','publish','open','open','','2016-new-york-auto-show-everyday-drivers-driving-ca','','','2016-03-23 20:08:19','2016-03-23 20:08:19','',0,'http://www.l2ocredit.com/2016/03/23/2016-new-york-auto-show-everyday-drivers-driving-ca/',0,'post','',0),(9536,0,'2016-04-19 14:04:33','2016-04-19 18:04:33','','2016 New York Auto Show | Everyday Drivers | Driving.ca','','inherit','open','closed','','2016-new-york-auto-show-everyday-drivers-driving-ca-2','','','2016-04-19 14:04:33','2016-04-19 18:04:33','',9535,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-new-york-auto-show-everyday-drivers-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9537,0,'2016-04-19 14:04:34','2016-04-19 18:04:34','','2016 New York Auto Show | Everyday Drivers | Driving.ca','','inherit','open','closed','','2016-new-york-auto-show-everyday-drivers-driving-ca-3','','','2016-04-19 14:04:34','2016-04-19 18:04:34','',9535,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-new-york-auto-show-everyday-drivers-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9538,0,'2016-04-19 14:04:35','2016-04-19 18:04:35','','2016 New York Auto Show | Everyday Drivers | Driving.ca','','inherit','open','closed','','2016-new-york-auto-show-everyday-drivers-driving-ca-4','','','2016-04-19 14:04:35','2016-04-19 18:04:35','',9535,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-new-york-auto-show-everyday-drivers-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9539,1,'2011-12-30 06:48:57','2011-12-30 06:48:57','Lexus is trying to appeal to younger buyers with this hatchback CT200h. Powered by the same system as the Prius it doesn\'t have the much performance to back up its good looks. The main thing going for the CT200h is it is the lowest priced premium car on the market.\nFrom www.motormouth.ca','2012 Lexus CT200h review','','publish','open','open','','2012-lexus-ct200h-review','','','2011-12-30 06:48:57','2011-12-30 06:48:57','',0,'http://www.l2ocredit.com/2011/12/30/2012-lexus-ct200h-review/',0,'post','',0),(9540,0,'2016-04-19 15:03:43','2016-04-19 19:03:43','','2012 Lexus CT200h review','','inherit','open','closed','','2012-lexus-ct200h-review-2','','','2016-04-19 15:03:43','2016-04-19 19:03:43','',9539,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-lexus-ct200h-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9541,0,'2016-04-19 15:03:43','2016-04-19 19:03:43','','2012 Lexus CT200h review','','inherit','open','closed','','2012-lexus-ct200h-review-2','','','2016-04-19 15:03:43','2016-04-19 19:03:43','',9539,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-lexus-ct200h-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9542,1,'2016-04-19 12:18:21','2016-04-19 16:18:21','<p>Call them the “electronic wallet” generation, or the “swipe” kids, because no longer is the allowance debate about whether or not to pay their children to do chores. The conversation now surrounds getting children as young as five their own debit cards.</p>\n<p>“It’s a personal decision,” says Shirley Malloy<a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/#corr\" >*</a>, an associate vice-president at Toronto-Dominion Bank. “But there are definitely benefits for children or pre-teens to having their own debit card. First, it reflects our current reality around technology. It’s also a learning opportunity.” Malloy says parents can set a daily limit, so they take an active role in their children’s spending and saving habits, rather than just hand out cash once a week. “You can teach your child to be independent, to protect passwords, to think before they spend, and to pay themselves first.”</p>\n<p>Proponents of the plastic allowance say a first debit card is a modern passage into adulthood. It allows parents to easily transfer allowances into their children’s accounts whenever they want; kids can access the money with the swipe of a card. They don’t view it as a passport to profligacy. Some parents simply find it safer than young kids carrying cash. In fact, the e-allowance route, as opposed to handing cash to kids, who will rarely keep receipts for what they purchase, has its advantages, they argue.</p>\n<p>Tracy Devine Ruiz was a trend setter when she allowed her kids to have their own debit cards at age eight or nine. They’re now 16 and 18. “They had their allowance automatically deposited,” she recalls. “Any gifts or work money was deposited there as well.” Ruiz’s kids use the Royal Bank of Canada’s RBC Leo’s Young Savers account, which is plugged as “a great way” for children “to get started in savings and everyday banking.” The picture on the website shows a girl of around five or six relaxing with her grandfather, and there is an email transfer option (at $1 a pop) “to pay your friends back.”</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/raise-a-millionaire-talking-to-kids-about-money/\">Who wants to raise a millionaire? » </a></p>\n<p>Ruiz believes the experience made her children <a href=\"http://www.macleans.ca/society/life/playing-with-fire-how-much-risk-should-we-expose-our-kids-to/\" >more responsible</a> with money. She set no daily or weekly limits. “It was their account.” Nor was giving them debit cards the start of a life of financial indulgence. Her 18-year-old son, who works part-time, has to pay $75 a month in rent to live at home. That money is automatically deposited into <a href=\"http://www.macleans.ca/economy/economicanalysis/the-liberal-changes-to-tfsa-contributions-were-actually-historic/\" >a TFSA</a> for his future use, but he doesn’t know that. (Let’s hope he’s not an avid<em>Maclean’s </em>reader.) In fact, she says, getting the kids started young on automated <a href=\"http://www.macleans.ca/economy/economicanalysis/why-2016-is-shaping-up-to-be-a-bad-year-for-canadas-banks/\" >banking</a> has turned them into “cheapy cheaps, like their mom.”</p>\n<p>My own daughter has had a bank card for almost a year. She’s 12. She has a daily limit of $25, and a weekly limit of $100. If she wants to use more than her daily limit, she needs to see a teller. She has used her bank card at Starbucks, Freshii, and to buy hair elastics at the drugstore. She’s never spent close to her daily limit; nor has she lost her card or forgotten her PIN. She does not get an allowance, and she’s never asked. At present, there’s $122 in this account, tied to her debit card, and each week the funds are topped up to that amount. (She has a savings account too, which is untouchable, and thanks to the money kids rake in from birthdays these days, that balance is in the thousands.)</p>\n<p>I had to explain to my daughter how a bank card works, that there needs to be money in my account for my purchase to be approved. Thanks to all those talks, she understands now that money is not infinite. In fact, Malloy says that “often we don’t talk enough about money with our children.”</p>\n<p><a href=\"http://www.moneysense.ca/save/how-to-teach-kids-to-save/\">Teach kids to save money » </a></p>\n<p>Banks have certainly made the conversation easier, and more pressing. TD has a Family Allowance App, which aims to teach children how to set targets and be rewarded. Scotiabank has a Getting There Savings Program for minors that allows them to collect points toward movies, and CIBC offers an Advantage for Youth account that, with parental consent, can be accessed by kids online, by phone and via the Interac network.</p>\n<p>The flip side of the convenience: Allowance day is now every day. While a 2012 survey sponsored by the American Institute of CPAs found that the average allowance in the U.S. works out to $65 a month, or $780 a year, many parents I know seem to have done away with allowances altogether; instead they give their kids a debit card and transfer money whenever the child asks. “For parents it’s easy. They don’t have to go to a bank machine to get out money to give out,” says Malloy.</p>\n<p>The U.K. appears to have led the plastic-for-kids trend. The app goHenry was launched in 2008 by a group of parents who wanted to help their kids “learn about money in a safe environment.” It has now collaborated with Visa to offer a prepaid credit card, marketed for kids aged eight and up. A similar app, called Osper, has teamed up with Mastercard.</p>\n<p>Then again, the U.K. is also where Lloyds, the venerable bank, got in trouble with parents after it began mailings to children between 11 and 16, upgrading children’s accounts from cash-machine-only cards to ones with Visa options, which let them purchase goods over the Internet without their parents’ knowledge. One 15-year-old, who must have thought he’d hit the jackpot, bought 200 cigarettes, Viagra, and a fake ID card, all online. His <a href=\"http://www.macleans.ca/society/life/why-men-cant-have-it-all/\" >father</a> was less than pleased, and the story was all over the British press.</p>\n<p>In Canada, at least for now, prepaid credit cards notwithstanding, online banking for kids seems safer. If you’re under 12, as with most banks, the account is a joint one held with a parent or guardian. “Parents have a lot of control,” says Malloy. “You can take off the tapping option, so they need to swipe and know their own PIN number.” Malloy thinks a debit card is also a good way of starting conversations around what is affordable and not—“and not just for the child, but for the entire family.”</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/gifts-for-kids-that-will-teach-them-about-money/\">Gifts for kids that will teach them about money » </a></p>\n<p>“It’s not how I grew up and it’s not how my friends grew up,” admits Carly, a lawyer based in Calgary, who declined to use her last name. All three of her kids, aged 14, 12 and five, have debit cards. She checks their bank accounts almost daily and if she sees something “off” she’ll ask about it. “They will never write cheques like we do,” she says matter of factly. “Everything is going to online banking.” Responsibility for an account can teach longer-term planning, she says. She finds her children have become more money savvy, as it gives them pride when they see their accounts grow. “Likewise,” she says, “they feel embarrassed when their accounts are low.” Her 14-year-old spends way more time comparison shopping than she does.</p>\n<p>But talk of debit cards for children raises a broader question: are they just turning our children into dutiful consumers? My daughter’s debit card looks like my black Visa card. And already her wallet contains two prepaid Mastercards, one with President’s Choice Financial, for $50, and another one called the Ideal Choice, worth $200. Both were gifts for her birthday. Do debit cards and credit cards in a kid’s wallet—prepaid or not—simply start a lifelong plastic habit?</p>\n<p>Sheila Walkington, the CFO of Money Coaches Canada, is not opposed to the idea in principle. “Kids getting debit cards is a reality—this is our current way of getting money,” she says. But she is adamant that when it comes to allowances, kids need consistency. “The one thing we always say about allowance is they need to get it the same time or day.” Parents nowadays, she notes, often don’t use cash themselves, and they tend to replenish kids’ accounts when they remember, or have time. So kids don’t necessarily learn how to make money last all week, she says.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/skip-giving-your-child-an-allowance-for-doing-chores/\">Skip giving your child an allowance for chores » </a></p>\n<p>Responsible spending and saving aren’t the only lessons to be learned from allowances, suggests an article by Mona Ismaeil on the website <em>MuslimMoms.ca</em>. Her prescription for allowances includes teaching kids to regularly set aside a portion of the allowance for “offerings,” or money for charity—“a very important concept in Islam.” Given that charitable donations in Canada are in decline, it’s a habit that may be worth trying to cultivate early in life.</p>\n<p>Not every parent has jumped on the e-allowance bandwagon. Jenni Bolton, co-founder of CentsibleStudents.ca, has a 12- and 15-year-old, neither of whom has any plastic. “I’m still a traditionalist,” she says. “We as adults have lost cash interactions, and I think it’s more tangible for children to see real money and understand that two toonies and a loonie make five dollars.”</p>\n<p>Rubina Medhaq, a family finance adviser for PC Financial, would agree. She says there is no emotional connection with a piece of plastic. She also suggests it may be a class issue: in certain parts of certain cities, getting your child a debit card is just the norm, while in less affluent neighbourhoods, this wouldn’t even be a discussion. An oft-cited formula for allowances—a dollar for every year of the child’s life per week—is simply not affordable for everyone. As for those who do pay their kids for chores, or just give them an allowance, she favours cash. “The only way I can explain it is that you teach your children about physical education, but if they’re just dancing around with a video game it’s not the same thing as going outside and getting fresh air.”</p>\n<p><em><a href=\"http://www.macleans.ca/society/life/when-allowance-goes-digital/\" >This article was originally published on Maclean&#8217;s</a>. </em></p>\n<h4><strong>Teaching your children about money</strong></h4>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT5M48S\" />\n        <meta itemprop=\"thumbnailUrl\" content=\"http://citynondrm.edgesuite.net/pd/2226196965001/201504/2226196965001_4172627112001_4172617656001-th.jpg?pubId=2226196965001\" />\n        <meta itemprop=\"name\" content=\"Teaching your children about money\" />\n        <meta itemprop=\"description\" content=\"Dr. Karyn Gordon and Bruce Sellery share their tips and experiences about teaching children the value of money.\" />\n        <meta itemprop=\"uploadDate\" content=\"2015-04-15T14:52:55+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=\"myExperience4174888570001\" 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=\"4174888570001\" />\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/should-you-give-your-kid-a-digital-allowance/\" />\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/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you give your kid a digital allowance?','<p>Children as young as five are getting their own debit cards</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/should-you-give-your-kid-a-digital-allowance/\">Should you give your kid a digital allowance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9513-revision-v1','','','2016-04-19 12:18:21','2016-04-19 16:18:21','',9513,'http://feedwordpress.radgeek.com/?rev=445aaa4430a1d3613cf7dcf7dfcaa859',0,'revision','',0),(9543,1,'2014-10-20 10:00:05','2014-10-20 10:00:05','When the MINI Cooper returned to America in 2002 it brought driving excitement and British charm to our shores, along with some rough edges and reliability issues. Now in its third generation, the MINI Cooper has matured, raising the question; can you refine a MINI without endangering its quirky charm? KBB\'s Micah Muzio has the answer. \n\nFor the latest MINI pricing and information:\nhttp://kbb.com/mini/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2016 Mini Cooper - Review and Road Test','','publish','open','open','','2016-mini-cooper-review-and-road-test','','','2014-10-20 10:00:05','2014-10-20 10:00:05','',0,'http://www.l2ocredit.com/2014/10/20/2016-mini-cooper-review-and-road-test/',0,'post','',0),(9544,0,'2016-04-19 15:45:06','2016-04-19 19:45:06','','2016 Mini Cooper &#8211; Review and Road Test','','inherit','open','closed','','2016-mini-cooper-review-and-road-test-2','','','2016-04-19 15:45:06','2016-04-19 19:45:06','',9543,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mini-cooper-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9545,0,'2016-04-19 15:45:06','2016-04-19 19:45:06','','2016 Mini Cooper &#8211; Review and Road Test','','inherit','open','closed','','2016-mini-cooper-review-and-road-test-2','','','2016-04-19 15:45:06','2016-04-19 19:45:06','',9543,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mini-cooper-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9546,0,'2016-04-19 15:45:06','2016-04-19 19:45:06','','2016 Mini Cooper &#8211; Review and Road Test','','inherit','open','closed','','2016-mini-cooper-review-and-road-test-3','','','2016-04-19 15:45:06','2016-04-19 19:45:06','',9543,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mini-cooper-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9547,0,'2016-04-19 15:45:06','2016-04-19 19:45:06','','2016 Mini Cooper &#8211; Review and Road Test','','inherit','open','closed','','2016-mini-cooper-review-and-road-test-3','','','2016-04-19 15:45:06','2016-04-19 19:45:06','',9543,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mini-cooper-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9548,1,'2015-04-03 22:56:55','2015-04-03 22:56:55','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Chevrolet Spark - 2015 New York Auto Show','','publish','open','open','','2016-chevrolet-spark-2015-new-york-auto-show','','','2015-04-03 22:56:55','2015-04-03 22:56:55','',0,'http://www.l2ocredit.com/2015/04/03/2016-chevrolet-spark-2015-new-york-auto-show/',0,'post','',0),(9549,0,'2016-04-19 16:01:23','2016-04-19 20:01:23','','2016 Chevrolet Spark &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-spark-2015-new-york-auto-show-2','','','2016-04-19 16:01:23','2016-04-19 20:01:23','',9548,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-spark-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9550,0,'2016-04-19 16:01:23','2016-04-19 20:01:23','','2016 Chevrolet Spark &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-spark-2015-new-york-auto-show-3','','','2016-04-19 16:01:23','2016-04-19 20:01:23','',9548,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-spark-2015-new-york-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9551,0,'2016-04-19 16:01:24','2016-04-19 20:01:24','','2016 Chevrolet Spark &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-spark-2015-new-york-auto-show-4','','','2016-04-19 16:01:24','2016-04-19 20:01:24','',9548,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-spark-2015-new-york-auto-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9552,0,'2016-04-19 16:01:24','2016-04-19 20:01:24','','2016 Chevrolet Spark &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-spark-2015-new-york-auto-show-5','','','2016-04-19 16:01:24','2016-04-19 20:01:24','',9548,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-spark-2015-new-york-auto-show-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9553,0,'2016-04-19 16:01:24','2016-04-19 20:01:24','','2016 Chevrolet Spark &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-spark-2015-new-york-auto-show-6','','','2016-04-19 16:01:24','2016-04-19 20:01:24','',9548,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-spark-2015-new-york-auto-show-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9554,0,'2016-04-19 16:01:25','2016-04-19 20:01:25','','2016 Chevrolet Spark &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-chevrolet-spark-2015-new-york-auto-show-7','','','2016-04-19 16:01:25','2016-04-19 20:01:25','',9548,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-chevrolet-spark-2015-new-york-auto-show-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9555,1,'2013-12-06 21:25:42','2013-12-06 21:25:42','MotoMan takes a look at the VW XL1 Turbo Diesel Hybrid and learns that the ingenuity employed in its engineering and design far exceed its technology. MotoMan is joined by Volkswagen Technical Developer, Christian Kolano.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our VW playlist:\nhttp://goo.gl/y4hpru\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','VW XL1 Turbo Diesel Hybrid -- The Most Efficient Car In The World','','publish','open','open','','vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world','','','2013-12-06 21:25:42','2013-12-06 21:25:42','',0,'http://www.l2ocredit.com/2013/12/06/vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world/',0,'post','',0),(9556,0,'2016-04-19 16:16:39','2016-04-19 20:16:39','','VW XL1 Turbo Diesel Hybrid &#8212; The Most Efficient Car In The World','','inherit','open','closed','','vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-2','','','2016-04-19 16:16:39','2016-04-19 20:16:39','',9555,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9557,0,'2016-04-19 16:16:39','2016-04-19 20:16:39','','VW XL1 Turbo Diesel Hybrid &#8212; The Most Efficient Car In The World','','inherit','open','closed','','vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-2','','','2016-04-19 16:16:39','2016-04-19 20:16:39','',9555,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9558,0,'2016-04-19 16:16:39','2016-04-19 20:16:39','','VW XL1 Turbo Diesel Hybrid &#8212; The Most Efficient Car In The World','','inherit','open','closed','','vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-2','','','2016-04-19 16:16:39','2016-04-19 20:16:39','',9555,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9559,0,'2016-04-19 16:16:39','2016-04-19 20:16:39','','VW XL1 Turbo Diesel Hybrid &#8212; The Most Efficient Car In The World','','inherit','open','closed','','vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-3','','','2016-04-19 16:16:39','2016-04-19 20:16:39','',9555,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9560,0,'2016-04-19 16:16:39','2016-04-19 20:16:39','','VW XL1 Turbo Diesel Hybrid &#8212; The Most Efficient Car In The World','','inherit','open','closed','','vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-4','','','2016-04-19 16:16:39','2016-04-19 20:16:39','',9555,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9561,0,'2016-04-19 16:16:39','2016-04-19 20:16:39','','VW XL1 Turbo Diesel Hybrid &#8212; The Most Efficient Car In The World','','inherit','open','closed','','vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-5','','','2016-04-19 16:16:39','2016-04-19 20:16:39','',9555,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9562,0,'2016-04-19 16:16:40','2016-04-19 20:16:40','','VW XL1 Turbo Diesel Hybrid &#8212; The Most Efficient Car In The World','','inherit','open','closed','','vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-6','','','2016-04-19 16:16:40','2016-04-19 20:16:40','',9555,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9563,0,'2016-04-19 16:16:40','2016-04-19 20:16:40','','VW XL1 Turbo Diesel Hybrid &#8212; The Most Efficient Car In The World','','inherit','open','closed','','vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-7','','','2016-04-19 16:16:40','2016-04-19 20:16:40','',9555,'http://www.l2ocredit.com/wp-content/uploads/2016/04/vw-xl1-turbo-diesel-hybrid-the-most-efficient-car-in-the-world-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9564,1,'2014-07-15 22:43:22','2014-07-15 22:43:22','Is the Subaru Forester the right crossover right for you? Check out the most detailed review on YouTube to find out.\n\nCheck out the new Honda HR-V: https://youtu.be/OMFb43JnPCc\nBe sure to LIKE this video! Liking and subscribing help AOA get access to cars!\nMore videos: http://goo.gl/Kj1FlI\nAlex\'s Favorite Cars: http://goo.gl/uGSNLI\nUpcoming reviews: http://goo.gl/pLtP6U\nAOA on Facebook: http://goo.gl/a47Cu1\nStatistics powered by ChannelMeter http://channelmeter.com','2014 / 2015 Subaru Forester XT Detailed Review and Road Test','','publish','open','open','','2014-2015-subaru-forester-xt-detailed-review-and-road-test','','','2014-07-15 22:43:22','2014-07-15 22:43:22','',0,'http://www.l2ocredit.com/2014/07/15/2014-2015-subaru-forester-xt-detailed-review-and-road-test/',0,'post','',0),(9565,0,'2016-04-19 16:32:24','2016-04-19 20:32:24','','2014 / 2015 Subaru Forester XT Detailed Review and Road Test','','inherit','open','closed','','2014-2015-subaru-forester-xt-detailed-review-and-road-test-2','','','2016-04-19 16:32:24','2016-04-19 20:32:24','',9564,'http://www.l2ocredit.com/2014/07/15/2014-2015-subaru-forester-xt-detailed-review-and-road-test/2014-2015-subaru-forester-xt-detailed-review-and-road-test-2/',0,'attachment','image/jpeg',0),(9566,1,'2016-04-19 16:39:47','2016-04-19 20:39:47','<p>The premises of most home reno shows sound too good to be true: With a non-existent budget and a totally unrealistic deadline, a team of sassy experts will swoop in to give your home the makeover of its dreams. Now, an American couple is suing the Canadian producers of W Network&#8217;s <em>Love it or List it, </em>for allegedly causing damage to their home and doing a generally shoddy job, <a href=\"http://www.cbc.ca/news/arts/hgtv-home-reno-lawsuit-1.3542828\" >reports the Associated Press</a>.</p>\n<p>If you&#8217;ve ever been doubtful of the quality of workmanship on these shows, this won&#8217;t change your mind.</p>\n<p>According to the lawsuit, the home reno recipients, North Carolina couple Deena Murphy and Timothy Sullivan, allege that the contractor who worked on their remodel left their floors &#8220;irreparably damaged&#8221; and created holes during duct work that were apparently large enough for vermin to crawl right through. They also say that the show didn&#8217;t use licensed architects to draw up plans.</p>\n<p>When they signed up to be featured on <em>Love it or List it </em>the couple paid a US$140,000 with the producers on the renovation. The producers ponied up US$85,786.50 to the contractor who allegedly fudged things up.</p>\n<p>It&#8217;s pretty likely the experience has left Deena and Timothy disillusioned with the lights, camera and wrecking-ball-action of home reno TV shows, but if anything, it&#8217;s a learning experience. Here are three things you should remember about renovations, televised or not.</p>\n<h3>You can&#8217;t afford to be passive</h3>\n<p>Home renovation TV hosts are full of bravado and showmanship. They&#8217;re entertainers after all. You often see hosts and designers dominate the entire process, leaving home owners with maybe a small handful of chances to provide their input. Whether on TV or in real life, it&#8217;s important to keep an eye on your contractor and to speak up if you object. <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-find-a-reputable-contractor/\">Here&#8217;s how to find a reputable contractor</a>.</p>\n<h3>Properly planned renovations are boring</h3>\n<p>The truth is, you don&#8217;t want to encounter surprises during your remodel. Dramatic reno fails are <a href=\"http://www.moneysense.ca/spend/real-estate/buying/masters-of-house-flipping-kortney-and-dave-wilson/\">fun to watch on TV</a> but not nearly as amusing when they&#8217;re actually happening to you. So, put in the time to find the right contractor to <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-avoid-a-home-renovation-nightmare/\">reduce the chance of being surprised with an issue</a>. A contractor who thinks ahead can usually avoid all the drama and get the job done for you with minimal stress. Deena and Thomas apparently voiced their concerns about their contractor before he was hired (the couple claim he wasn&#8217;t their first choice due to his below-average reviews online), but for reasons that are unclear, the producers still went with him.</p>\n<h3>Renovations take a long time</h3>\n<p>A lot of the times, the big reveal tells half the story. While that whirlwind bedroom makeover may seem perfect, and the homeowners impressed, more often than not, TV renos are only 80% done. Don&#8217;t get pulled under by the <a href=\"http://www.moneysense.ca/spend/real-estate/buying/reno-shows-having-profound-impact-on-buyers/\" >HGTV effect</a>!</p>\n<p>Learn more on the truth about home renovation TV shows <a href=\"http://www.moneysense.ca/spend/real-estate/home-renovation-reality-check/\" >here</a>.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">Love it or List it faces lawsuit over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Love it or List it faces lawsuit over shoddy renovation','<p>Plus, 3 things you should know about TV reno shows</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">Love it or List it faces lawsuit over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-19 16:39:47','2016-04-19 20:39:47','',0,'http://www.moneysense.ca/?p=153138',0,'post','',0),(9567,1,'2016-04-19 16:39:47','2016-04-19 20:39:47','<p>The premises of most home reno shows sound too good to be true: With a non-existent budget and a totally unrealistic deadline, a team of sassy experts will swoop in to give your home the makeover of its dreams. Now, an American couple is suing the Canadian producers of W Network&#8217;s <em>Love it or List it, </em>for allegedly causing damage to their home and doing a generally shoddy job, <a href=\"http://www.cbc.ca/news/arts/hgtv-home-reno-lawsuit-1.3542828\" >reports the Associated Press</a>.</p>\n<p>If you&#8217;ve ever been doubtful of the quality of workmanship on these shows, this won&#8217;t change your mind.</p>\n<p>According to the lawsuit, the home reno recipients, North Carolina couple Deena Murphy and Timothy Sullivan, allege that the contractor who worked on their remodel left their floors &#8220;irreparably damaged&#8221; and created holes during duct work that were apparently large enough for vermin to crawl right through. They also say that the show didn&#8217;t use licensed architects to draw up plans.</p>\n<p>When they signed up to be featured on <em>Love it or List it </em>the couple paid a US$140,000 with the producers on the renovation. The producers ponied up US$85,786.50 to the contractor who allegedly fudged things up.</p>\n<p>It&#8217;s pretty likely the experience has left Deena and Timothy disillusioned with the lights, camera and wrecking-ball-action of home reno TV shows, but if anything, it&#8217;s a learning experience. Here are three things you should remember about renovations, televised or not.</p>\n<h3>You can&#8217;t afford to be passive</h3>\n<p>Home renovation TV hosts are full of bravado and showmanship. They&#8217;re entertainers after all. You often see hosts and designers dominate the entire process, leaving home owners with maybe a small handful of chances to provide their input. Whether on TV or in real life, it&#8217;s important to keep an eye on your contractor and to speak up if you object. <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-find-a-reputable-contractor/\">Here&#8217;s how to find a reputable contractor</a>.</p>\n<h3>Properly planned renovations are boring</h3>\n<p>The truth is, you don&#8217;t want to encounter surprises during your remodel. Dramatic reno fails are <a href=\"http://www.moneysense.ca/spend/real-estate/buying/masters-of-house-flipping-kortney-and-dave-wilson/\">fun to watch on TV</a> but not nearly as amusing when they&#8217;re actually happening to you. So, put in the time to find the right contractor to <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-avoid-a-home-renovation-nightmare/\">reduce the chance of being surprised with an issue</a>. A contractor who thinks ahead can usually avoid all the drama and get the job done for you with minimal stress. Deena and Thomas apparently voiced their concerns about their contractor before he was hired (the couple claim he wasn&#8217;t their first choice due to his below-average reviews online), but for reasons that are unclear, the producers still went with him.</p>\n<h3>Renovations take a long time</h3>\n<p>A lot of the times, the big reveal tells half the story. While that whirlwind bedroom makeover may seem perfect, and the homeowners impressed, more often than not, TV renos are only 80% done. Don&#8217;t get pulled under by the <a href=\"http://www.moneysense.ca/spend/real-estate/buying/reno-shows-having-profound-impact-on-buyers/\" >HGTV effect</a>!</p>\n<p>Learn more on the truth about home renovation TV shows <a href=\"http://www.moneysense.ca/spend/real-estate/home-renovation-reality-check/\" >here</a>.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">Love it or List it faces lawsuit over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Love it or List it faces lawsuit over shoddy renovation','<p>Plus, 3 things you should know about TV reno shows</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">Love it or List it faces lawsuit over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9566-revision-v1','','','2016-04-19 16:39:47','2016-04-19 20:39:47','',9566,'http://feedwordpress.radgeek.com/?rev=03c71626e398f71189694fe473c339d5',0,'revision','',0),(9568,1,'2016-03-23 17:54:49','2016-03-23 17:54:49','There was a great crop of performance cars at this year\'s New York Auto Show. Full Article: http://driving.ca/mazda/mx-5-miata/auto-shows/new-york-auto-show/2017-mazda-mx-5-miata-debuts-in-ny-with-targa-style-roof\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','New York Auto Show | Performance Cars | Driving.ca','','publish','open','open','','new-york-auto-show-performance-cars-driving-ca','','','2016-03-23 17:54:49','2016-03-23 17:54:49','',0,'http://www.l2ocredit.com/2016/03/23/new-york-auto-show-performance-cars-driving-ca/',0,'post','',0),(9569,0,'2016-04-19 16:48:26','2016-04-19 20:48:26','','New York Auto Show | Performance Cars | Driving.ca','','inherit','open','closed','','new-york-auto-show-performance-cars-driving-ca-2','','','2016-04-19 16:48:26','2016-04-19 20:48:26','',9568,'http://www.l2ocredit.com/wp-content/uploads/2016/04/new-york-auto-show-performance-cars-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9570,0,'2016-04-19 16:48:26','2016-04-19 20:48:26','','New York Auto Show | Performance Cars | Driving.ca','','inherit','open','closed','','new-york-auto-show-performance-cars-driving-ca-3','','','2016-04-19 16:48:26','2016-04-19 20:48:26','',9568,'http://www.l2ocredit.com/wp-content/uploads/2016/04/new-york-auto-show-performance-cars-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9571,0,'2016-04-19 16:48:26','2016-04-19 20:48:26','','New York Auto Show | Performance Cars | Driving.ca','','inherit','open','closed','','new-york-auto-show-performance-cars-driving-ca-3','','','2016-04-19 16:48:26','2016-04-19 20:48:26','',9568,'http://www.l2ocredit.com/wp-content/uploads/2016/04/new-york-auto-show-performance-cars-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9572,0,'2016-04-19 16:48:26','2016-04-19 20:48:26','','New York Auto Show | Performance Cars | Driving.ca','','inherit','open','closed','','new-york-auto-show-performance-cars-driving-ca-4','','','2016-04-19 16:48:26','2016-04-19 20:48:26','',9568,'http://www.l2ocredit.com/wp-content/uploads/2016/04/new-york-auto-show-performance-cars-driving-ca-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9573,0,'2016-04-19 16:48:27','2016-04-19 20:48:27','','New York Auto Show | Performance Cars | Driving.ca','','inherit','open','closed','','new-york-auto-show-performance-cars-driving-ca-5','','','2016-04-19 16:48:27','2016-04-19 20:48:27','',9568,'http://www.l2ocredit.com/wp-content/uploads/2016/04/new-york-auto-show-performance-cars-driving-ca-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9574,1,'2011-12-20 20:18:03','2011-12-20 20:18:03','2012 Kia Rio Review\r\nThe subcompact category is heating up and Kia brings a lot to the table with this very well appointed car.\r\nFrom www.motormouth.ca','2012 Kia Rio review','','publish','open','open','','2012-kia-rio-review','','','2011-12-20 20:18:03','2011-12-20 20:18:03','',0,'http://www.l2ocredit.com/2011/12/20/2012-kia-rio-review/',0,'post','',0),(9575,0,'2016-04-19 17:21:01','2016-04-19 21:21:01','','2012 Kia Rio review','','inherit','open','closed','','2012-kia-rio-review-2','','','2016-04-19 17:21:01','2016-04-19 21:21:01','',9574,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-kia-rio-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9576,0,'2016-04-19 17:21:01','2016-04-19 21:21:01','','2012 Kia Rio review','','inherit','open','closed','','2012-kia-rio-review-2','','','2016-04-19 17:21:01','2016-04-19 21:21:01','',9574,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-kia-rio-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9577,0,'2016-04-19 17:21:01','2016-04-19 21:21:01','','2012 Kia Rio review','','inherit','open','closed','','2012-kia-rio-review-2','','','2016-04-19 17:21:01','2016-04-19 21:21:01','',9574,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-kia-rio-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9578,0,'2016-04-19 17:21:01','2016-04-19 21:21:01','','2012 Kia Rio review','','inherit','open','closed','','2012-kia-rio-review-2','','','2016-04-19 17:21:01','2016-04-19 21:21:01','',9574,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-kia-rio-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9579,0,'2016-04-19 17:21:01','2016-04-19 21:21:01','','2012 Kia Rio review','','inherit','open','closed','','2012-kia-rio-review-2','','','2016-04-19 17:21:01','2016-04-19 21:21:01','',9574,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-kia-rio-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9580,0,'2016-04-19 17:21:02','2016-04-19 21:21:02','','2012 Kia Rio review','','inherit','open','closed','','2012-kia-rio-review-3','','','2016-04-19 17:21:02','2016-04-19 21:21:02','',9574,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-kia-rio-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9581,1,'2016-04-19 16:39:47','2016-04-19 20:39:47','<p>The premises of most home reno shows sound too good to be true: With a non-existent budget and a totally unrealistic deadline, a team of sassy experts will swoop in to give your home the makeover of its dreams. Now, an American couple is suing the Canadian producers of HGTV&#8217;s <em>Love it or List it, </em>for allegedly causing damage to their home and doing a generally shoddy job, <a href=\"http://www.cbc.ca/news/arts/hgtv-home-reno-lawsuit-1.3542828\" >reports the Associated Press</a>.</p>\n<p>If you&#8217;ve ever been doubtful of the quality of workmanship on these shows, this won&#8217;t change your mind.</p>\n<p>According to the lawsuit, the home reno recipients, North Carolina couple Deena Murphy and Timothy Sullivan, allege that the contractor who worked on their remodel left their floors &#8220;irreparably damaged&#8221; and created holes during duct work that were apparently large enough for vermin to crawl right through. They also say that the show didn&#8217;t use licensed architects to draw up plans.</p>\n<p>When they signed up to be featured on <em>Love it or List it </em>the couple paid a US$140,000 deposit to the producers on the renovation. The producers ponied up US$85,786.50 to the contractor who allegedly fudged things up.</p>\n<p>It&#8217;s pretty likely the experience has left Deena and Timothy disillusioned with the lights, camera and wrecking-ball-action of home reno TV shows, but if anything, it&#8217;s a learning experience. Here are three things you should remember about renovations, televised or not.</p>\n<h3>You can&#8217;t afford to be passive</h3>\n<p>Home renovation TV hosts are full of bravado and showmanship. They&#8217;re entertainers after all. You often see hosts and designers dominate the entire process, leaving home owners with maybe a small handful of chances to provide their input. Whether on TV or in real life, it&#8217;s important to keep an eye on your contractor and to speak up if you object. <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-find-a-reputable-contractor/\">Here&#8217;s how to find a reputable contractor</a>.</p>\n<h3>Properly planned renovations are boring</h3>\n<p>The truth is, you don&#8217;t want to encounter surprises during your remodel. Dramatic reno fails are <a href=\"http://www.moneysense.ca/spend/real-estate/buying/masters-of-house-flipping-kortney-and-dave-wilson/\">fun to watch on TV</a> but not nearly as amusing when they&#8217;re actually happening to you. So, put in the time to find the right contractor to <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-avoid-a-home-renovation-nightmare/\">reduce the chance of being surprised with an issue</a>. A contractor who thinks ahead can usually avoid all the drama and get the job done for you with minimal stress. Deena and Thomas apparently voiced their concerns about their contractor before he was hired (the couple claim he wasn&#8217;t their first choice due to his below-average reviews online), but for reasons that are unclear, the producers still went with him.</p>\n<h3>Renovations take a long time</h3>\n<p>A lot of the times, the big reveal tells half the story. While that whirlwind bedroom makeover may seem perfect, and the homeowners impressed, more often than not, TV renos are only 80% done. Don&#8217;t get pulled under by the <a href=\"http://www.moneysense.ca/spend/real-estate/buying/reno-shows-having-profound-impact-on-buyers/\" >HGTV effect</a>!</p>\n<p>Learn more on the truth about home renovation TV shows <a href=\"http://www.moneysense.ca/spend/real-estate/home-renovation-reality-check/\" >here</a>.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">Love it or List it faces lawsuit over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Love it or List it faces lawsuit over shoddy renovation','<p>Plus, 3 things you should know about TV reno shows</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">Love it or List it faces lawsuit over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9566-revision-v1','','','2016-04-19 16:39:47','2016-04-19 20:39:47','',9566,'http://feedwordpress.radgeek.com/?rev=6586373d5ce43fc7e32578ef3dfbba84',0,'revision','',0),(9582,1,'2014-10-06 10:00:57','2014-10-06 10:00:57','The sixth generation Mustang is radically different from its predecessors. But when it comes to icons like the Mustang, change is a risky business. Has Ford improved or spoiled its pony car? KBB’s Micah Muzio finds out in this video. \n\nFor the latest Mustang pricing and information:\nhttp://www.kbb.com/ford/mustang/2015-ford-mustang/\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, comparison tests, and technology reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2015 Ford Mustang - Review and Road Test','','publish','open','open','','2015-ford-mustang-review-and-road-test','','','2014-10-06 10:00:57','2014-10-06 10:00:57','',0,'http://www.l2ocredit.com/2014/10/06/2015-ford-mustang-review-and-road-test/',0,'post','',0),(9583,0,'2016-04-19 17:55:33','2016-04-19 21:55:33','','2015 Ford Mustang &#8211; Review and Road Test','','inherit','open','closed','','2015-ford-mustang-review-and-road-test-2','','','2016-04-19 17:55:33','2016-04-19 21:55:33','',9582,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-ford-mustang-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9584,0,'2016-04-19 17:55:33','2016-04-19 21:55:33','','2015 Ford Mustang &#8211; Review and Road Test','','inherit','open','closed','','2015-ford-mustang-review-and-road-test-2','','','2016-04-19 17:55:33','2016-04-19 21:55:33','',9582,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-ford-mustang-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9585,0,'2016-04-19 17:55:33','2016-04-19 21:55:33','','2015 Ford Mustang &#8211; Review and Road Test','','inherit','open','closed','','2015-ford-mustang-review-and-road-test-3','','','2016-04-19 17:55:33','2016-04-19 21:55:33','',9582,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-ford-mustang-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9586,1,'2015-04-02 19:56:53','2015-04-02 19:56:53','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Nissan Maxima - 2015 New York Auto Show','','publish','open','open','','2016-nissan-maxima-2015-new-york-auto-show-2','','','2015-04-02 19:56:53','2015-04-02 19:56:53','',0,'http://www.l2ocredit.com/2015/04/02/2016-nissan-maxima-2015-new-york-auto-show-2/',0,'post','',0),(9587,0,'2016-04-19 18:16:37','2016-04-19 22:16:37','','2016 Nissan Maxima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-nissan-maxima-2015-new-york-auto-show-4','','','2016-04-19 18:16:37','2016-04-19 22:16:37','',9586,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-nissan-maxima-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9588,0,'2016-04-19 18:16:37','2016-04-19 22:16:37','','2016 Nissan Maxima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-nissan-maxima-2015-new-york-auto-show-4','','','2016-04-19 18:16:37','2016-04-19 22:16:37','',9586,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-nissan-maxima-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9589,0,'2016-04-19 18:16:37','2016-04-19 22:16:37','','2016 Nissan Maxima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-nissan-maxima-2015-new-york-auto-show-4','','','2016-04-19 18:16:37','2016-04-19 22:16:37','',9586,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-nissan-maxima-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9590,0,'2016-04-19 18:16:38','2016-04-19 22:16:38','','2016 Nissan Maxima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-nissan-maxima-2015-new-york-auto-show-5','','','2016-04-19 18:16:38','2016-04-19 22:16:38','',9586,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-nissan-maxima-2015-new-york-auto-show-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9591,0,'2016-04-19 18:16:39','2016-04-19 22:16:39','','2016 Nissan Maxima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-nissan-maxima-2015-new-york-auto-show-6','','','2016-04-19 18:16:39','2016-04-19 22:16:39','',9586,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-nissan-maxima-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9592,1,'2013-11-19 23:45:52','2013-11-19 23:45:52','In this LIVE informal interview, MotoMan talks with racing legend Parnelli Jones. They walk through Rufus Parnel Jones\' journey from breaking horses on local Southern California farms to winning every possible racing event and more.\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Inside the MotoMan Studio playlist:\nhttp://goo.gl/kBkBvG\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','Parnelli Jones Inside the MotoMan Studio @ The Petersen Automotive Museum','','publish','open','open','','parnelli-jones-inside-the-motoman-studio-the-petersen-automotive-museum','','','2013-11-19 23:45:52','2013-11-19 23:45:52','',0,'http://www.l2ocredit.com/2013/11/19/parnelli-jones-inside-the-motoman-studio-the-petersen-automotive-museum/',0,'post','',0),(9593,0,'2016-04-19 18:32:08','2016-04-19 22:32:08','','Parnelli Jones Inside the MotoMan Studio @ The Petersen Automotive Museum','','inherit','open','closed','','parnelli-jones-inside-the-motoman-studio-the-petersen-automotive-museum-2','','','2016-04-19 18:32:08','2016-04-19 22:32:08','',9592,'http://www.l2ocredit.com/wp-content/uploads/2016/04/parnelli-jones-inside-the-motoman-studio-the-petersen-automotive-museum-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9594,0,'2016-04-19 18:32:08','2016-04-19 22:32:08','','Parnelli Jones Inside the MotoMan Studio @ The Petersen Automotive Museum','','inherit','open','closed','','parnelli-jones-inside-the-motoman-studio-the-petersen-automotive-museum-3','','','2016-04-19 18:32:08','2016-04-19 22:32:08','',9592,'http://www.l2ocredit.com/wp-content/uploads/2016/04/parnelli-jones-inside-the-motoman-studio-the-petersen-automotive-museum-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9595,1,'2014-07-15 22:33:20','2014-07-15 22:33:20','Today I take a look at the touchscreen infotainment and navigation system that you\'ll find in Subaru\'s less expensive models including the Impreza, XV and Forester. While the system\'s graphics are fairly basic when compared to the competition, the system is fully featured including a modern voice command system for your USB/iDevice music library.\nStatistics powered by ChannelMeter http://channelmeter.com','2015 Subaru Infotainment and Navgation System Review','','publish','open','open','','2015-subaru-infotainment-and-navgation-system-review','','','2014-07-15 22:33:20','2014-07-15 22:33:20','',0,'http://www.l2ocredit.com/2014/07/15/2015-subaru-infotainment-and-navgation-system-review/',0,'post','',0),(9596,0,'2016-04-19 18:49:18','2016-04-19 22:49:18','','2015 Subaru Infotainment and Navgation System Review','','inherit','open','closed','','2015-subaru-infotainment-and-navgation-system-review-2','','','2016-04-19 18:49:18','2016-04-19 22:49:18','',9595,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-subaru-infotainment-and-navgation-system-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9597,0,'2016-04-19 18:49:19','2016-04-19 22:49:19','','2015 Subaru Infotainment and Navgation System Review','','inherit','open','closed','','2015-subaru-infotainment-and-navgation-system-review-3','','','2016-04-19 18:49:19','2016-04-19 22:49:19','',9595,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-subaru-infotainment-and-navgation-system-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9598,0,'2016-04-19 18:49:19','2016-04-19 22:49:19','','2015 Subaru Infotainment and Navgation System Review','','inherit','open','closed','','2015-subaru-infotainment-and-navgation-system-review-4','','','2016-04-19 18:49:19','2016-04-19 22:49:19','',9595,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-subaru-infotainment-and-navgation-system-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9599,0,'2016-04-19 18:49:19','2016-04-19 22:49:19','','2015 Subaru Infotainment and Navgation System Review','','inherit','open','closed','','2015-subaru-infotainment-and-navgation-system-review-5','','','2016-04-19 18:49:19','2016-04-19 22:49:19','',9595,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-subaru-infotainment-and-navgation-system-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9600,1,'2016-03-21 14:00:01','2016-03-21 14:00:01','If your 1500 is too small and your 2500 is too large, the Titan XD might be right amount of truck for you. Full Article: http://wp.me/p3LQCT-11RB\n\nFollow Driving!\nTwitter: https://twitter.com/drivingdotca\nInstagram: http://instagram.com/drivingca\nFacebook: https://www.facebook.com/drivingdotca','Pickup Review | 2016 Nissan Titan XD | Driving.ca','','publish','open','open','','pickup-review-2016-nissan-titan-xd-driving-ca','','','2016-03-21 14:00:01','2016-03-21 14:00:01','',0,'http://www.l2ocredit.com/2016/03/21/pickup-review-2016-nissan-titan-xd-driving-ca/',0,'post','',0),(9601,0,'2016-04-19 19:13:33','2016-04-19 23:13:33','','Pickup Review | 2016 Nissan Titan XD | Driving.ca','','inherit','open','closed','','pickup-review-2016-nissan-titan-xd-driving-ca-2','','','2016-04-19 19:13:33','2016-04-19 23:13:33','',9600,'http://www.l2ocredit.com/wp-content/uploads/2016/04/pickup-review-2016-nissan-titan-xd-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9602,0,'2016-04-19 19:13:33','2016-04-19 23:13:33','','Pickup Review | 2016 Nissan Titan XD | Driving.ca','','inherit','open','closed','','pickup-review-2016-nissan-titan-xd-driving-ca-2','','','2016-04-19 19:13:33','2016-04-19 23:13:33','',9600,'http://www.l2ocredit.com/wp-content/uploads/2016/04/pickup-review-2016-nissan-titan-xd-driving-ca-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9603,0,'2016-04-19 19:13:33','2016-04-19 23:13:33','','Pickup Review | 2016 Nissan Titan XD | Driving.ca','','inherit','open','closed','','pickup-review-2016-nissan-titan-xd-driving-ca-3','','','2016-04-19 19:13:33','2016-04-19 23:13:33','',9600,'http://www.l2ocredit.com/wp-content/uploads/2016/04/pickup-review-2016-nissan-titan-xd-driving-ca-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9604,1,'2011-12-07 05:44:51','2011-12-07 05:44:51','2012 Fiat 500 preview\nFiat brings the Abarth to North America in 2012. With a turbocharged 1.4L engine and 160hp, this new Fiat not only looks great but has the chops to back it up.\nFrom www.motormouth.ca','2012 Fiat 500 preview','','publish','open','open','','2012-fiat-500-preview','','','2011-12-07 05:44:51','2011-12-07 05:44:51','',0,'http://www.l2ocredit.com/2011/12/07/2012-fiat-500-preview/',0,'post','',0),(9605,0,'2016-04-19 19:57:30','2016-04-19 23:57:30','','2012 Fiat 500 preview','','inherit','open','closed','','2012-fiat-500-preview-2','','','2016-04-19 19:57:30','2016-04-19 23:57:30','',9604,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-fiat-500-preview-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9606,0,'2016-04-19 19:57:30','2016-04-19 23:57:30','','2012 Fiat 500 preview','','inherit','open','closed','','2012-fiat-500-preview-3','','','2016-04-19 19:57:30','2016-04-19 23:57:30','',9604,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-fiat-500-preview-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9607,0,'2016-04-19 19:57:30','2016-04-19 23:57:30','','2012 Fiat 500 preview','','inherit','open','closed','','2012-fiat-500-preview-4','','','2016-04-19 19:57:30','2016-04-19 23:57:30','',9604,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-fiat-500-preview-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9608,0,'2016-04-19 19:57:31','2016-04-19 23:57:31','','2012 Fiat 500 preview','','inherit','open','closed','','2012-fiat-500-preview-5','','','2016-04-19 19:57:31','2016-04-19 23:57:31','',9604,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-fiat-500-preview-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9609,0,'2016-04-19 19:57:31','2016-04-19 23:57:31','','2012 Fiat 500 preview','','inherit','open','closed','','2012-fiat-500-preview-6','','','2016-04-19 19:57:31','2016-04-19 23:57:31','',9604,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-fiat-500-preview-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9610,0,'2016-04-19 19:57:31','2016-04-19 23:57:31','','2012 Fiat 500 preview','','inherit','open','closed','','2012-fiat-500-preview-7','','','2016-04-19 19:57:31','2016-04-19 23:57:31','',9604,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-fiat-500-preview-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9611,0,'2016-04-19 19:57:31','2016-04-19 23:57:31','','2012 Fiat 500 preview','','inherit','open','closed','','2012-fiat-500-preview-8','','','2016-04-19 19:57:31','2016-04-19 23:57:31','',9604,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-fiat-500-preview-youtube-thumbnail-6.jpg',0,'attachment','image/jpeg',0),(9612,0,'2016-04-19 19:57:31','2016-04-19 23:57:31','','2012 Fiat 500 preview','','inherit','open','closed','','2012-fiat-500-preview-9','','','2016-04-19 19:57:31','2016-04-19 23:57:31','',9604,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-fiat-500-preview-youtube-thumbnail-7.jpg',0,'attachment','image/jpeg',0),(9613,0,'2016-04-19 19:57:31','2016-04-19 23:57:31','','2012 Fiat 500 preview','','inherit','open','closed','','2012-fiat-500-preview-10','','','2016-04-19 19:57:31','2016-04-19 23:57:31','',9604,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2012-fiat-500-preview-youtube-thumbnail-8.jpg',0,'attachment','image/jpeg',0),(9614,1,'2014-10-13 10:00:04','2014-10-13 10:00:04','Standard all-wheel drive has always been the Subaru Legacy’s claim to fame. Yet in the face well-established rivals like the Honda Accord and Toyota Camry, Subaru\'s midsize sedan has gone largely unnoticed. Subaru intends to change all that with the completely redesigned 2015 model. Is the Legacy on track to becoming a household name? KBB’s Micah Muzio has the answer in this video.    \n\nFor the latest Subaru Legacy pricing and information:\nhttp://www.kbb.com/subaru/legacy/2015-subaru-legacy/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Micah Muzio on Twitter, please visit: http://www.twitter.com/micahmuzio','2016 Subaru Legacy - Review and Road Test','','publish','open','open','','2016-subaru-legacy-review-and-road-test','','','2014-10-13 10:00:04','2014-10-13 10:00:04','',0,'http://www.l2ocredit.com/2014/10/13/2016-subaru-legacy-review-and-road-test/',0,'post','',0),(9615,0,'2016-04-19 20:42:09','2016-04-20 00:42:09','','2016 Subaru Legacy &#8211; Review and Road Test','','inherit','open','closed','','2016-subaru-legacy-review-and-road-test-2','','','2016-04-19 20:42:09','2016-04-20 00:42:09','',9614,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-subaru-legacy-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9616,0,'2016-04-19 20:42:09','2016-04-20 00:42:09','','2016 Subaru Legacy &#8211; Review and Road Test','','inherit','open','closed','','2016-subaru-legacy-review-and-road-test-2','','','2016-04-19 20:42:09','2016-04-20 00:42:09','',9614,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-subaru-legacy-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9617,0,'2016-04-19 20:42:09','2016-04-20 00:42:09','','2016 Subaru Legacy &#8211; Review and Road Test','','inherit','open','closed','','2016-subaru-legacy-review-and-road-test-3','','','2016-04-19 20:42:09','2016-04-20 00:42:09','',9614,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-subaru-legacy-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9618,1,'2015-04-02 13:14:59','2015-04-02 13:14:59','Mazda is already showing off a sportier version of its new 2016 MX-5 Miata.\n\nhttp://www.autoguide.com/auto-news/2015/04/2016-mazda-mx-5-club-heightens-performance.html\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Mazda MX-5 Club - 2015 New York Auto Show','','publish','open','open','','2016-mazda-mx-5-club-2015-new-york-auto-show','','','2015-04-02 13:14:59','2015-04-02 13:14:59','',0,'http://www.l2ocredit.com/2015/04/02/2016-mazda-mx-5-club-2015-new-york-auto-show/',0,'post','',0),(9619,0,'2016-04-19 20:57:54','2016-04-20 00:57:54','','2016 Mazda MX-5 Club &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mazda-mx-5-club-2015-new-york-auto-show-2','','','2016-04-19 20:57:54','2016-04-20 00:57:54','',9618,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mazda-mx-5-club-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9620,0,'2016-04-19 20:57:54','2016-04-20 00:57:54','','2016 Mazda MX-5 Club &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mazda-mx-5-club-2015-new-york-auto-show-2','','','2016-04-19 20:57:54','2016-04-20 00:57:54','',9618,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mazda-mx-5-club-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9621,0,'2016-04-19 20:57:54','2016-04-20 00:57:54','','2016 Mazda MX-5 Club &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mazda-mx-5-club-2015-new-york-auto-show-2','','','2016-04-19 20:57:54','2016-04-20 00:57:54','',9618,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mazda-mx-5-club-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9622,0,'2016-04-19 20:57:54','2016-04-20 00:57:54','','2016 Mazda MX-5 Club &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mazda-mx-5-club-2015-new-york-auto-show-3','','','2016-04-19 20:57:54','2016-04-20 00:57:54','',9618,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mazda-mx-5-club-2015-new-york-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9623,0,'2016-04-19 20:57:55','2016-04-20 00:57:55','','2016 Mazda MX-5 Club &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mazda-mx-5-club-2015-new-york-auto-show-4','','','2016-04-19 20:57:55','2016-04-20 00:57:55','',9618,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mazda-mx-5-club-2015-new-york-auto-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9624,1,'2013-11-12 20:09:39','2013-11-12 20:09:39','Derek Jenkins and Mazda R&amp;D Master, Dave Coleman give MotoMan an in depth look at Mazda\'s new C Segment car, the 3. Meanwhile, MotoMan drives both the 2.0 and 2.5 four-cylinder engine variants of the new Mazda3.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Mazda playlist:\nhttp://goo.gl/zdNrYf\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','2014 Mazda 3 Engineering &amp; Design Review with Design Director Derek Jenkins','','publish','open','open','','2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins','','','2013-11-12 20:09:39','2013-11-12 20:09:39','',0,'http://www.l2ocredit.com/2013/11/12/2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins/',0,'post','',0),(9625,0,'2016-04-19 21:12:52','2016-04-20 01:12:52','','2014 Mazda 3 Engineering &amp; Design Review with Design Director Derek Jenkins','','inherit','open','closed','','2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins-2','','','2016-04-19 21:12:52','2016-04-20 01:12:52','',9624,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9626,0,'2016-04-19 21:12:52','2016-04-20 01:12:52','','2014 Mazda 3 Engineering &amp; Design Review with Design Director Derek Jenkins','','inherit','open','closed','','2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins-3','','','2016-04-19 21:12:52','2016-04-20 01:12:52','',9624,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9627,0,'2016-04-19 21:12:53','2016-04-20 01:12:53','','2014 Mazda 3 Engineering &amp; Design Review with Design Director Derek Jenkins','','inherit','open','closed','','2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins-4','','','2016-04-19 21:12:53','2016-04-20 01:12:53','',9624,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9628,0,'2016-04-19 21:12:53','2016-04-20 01:12:53','','2014 Mazda 3 Engineering &amp; Design Review with Design Director Derek Jenkins','','inherit','open','closed','','2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins-5','','','2016-04-19 21:12:53','2016-04-20 01:12:53','',9624,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-mazda-3-engineering-design-review-with-design-director-derek-jenkins-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9629,1,'2016-04-19 16:39:47','2016-04-19 20:39:47','<p>The premises of most home reno shows sound too good to be true: With a non-existent budget and a totally unrealistic deadline, a team of sassy experts will swoop in to give your home the makeover of its dreams. Now, an American couple is suing the Canadian producers of HGTV&#8217;s <em>Love it or List it, </em>for allegedly causing damage to their home and doing a generally shoddy job, <a href=\"http://www.cbc.ca/news/arts/hgtv-home-reno-lawsuit-1.3542828\" >reports the Associated Press</a>.</p>\n<p>If you&#8217;ve ever been doubtful of the quality of workmanship on these shows, this won&#8217;t change your mind.</p>\n<p>According to the lawsuit, the home reno recipients, North Carolina couple Deena Murphy and Timothy Sullivan, allege that the contractor who worked on their remodel left their floors &#8220;irreparably damaged&#8221; and created holes during duct work that were apparently large enough for vermin to crawl right through. They also say that the show didn&#8217;t use licensed architects to draw up plans.</p>\n<p>When they signed up to be featured on <em>Love it or List it </em>the couple paid a US$140,000 deposit to the producers on the renovation. The producers ponied up US$85,786.50 to the contractor who allegedly fudged things up.</p>\n<p>It&#8217;s pretty likely the experience has left Deena and Timothy disillusioned with the lights, camera and wrecking-ball-action of home reno TV shows, but if anything, it&#8217;s a learning experience. Here are three things you should remember about renovations, televised or not.</p>\n<h3>You can&#8217;t afford to be passive</h3>\n<p>Home renovation TV hosts are full of bravado and showmanship. They&#8217;re entertainers after all. You often see hosts and designers dominate the entire process, leaving home owners with maybe a small handful of chances to provide their input. Whether on TV or in real life, it&#8217;s important to keep an eye on your contractor and to speak up if you object. <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-find-a-reputable-contractor/\">Here&#8217;s how to find a reputable contractor</a>.</p>\n<h3>Properly planned renovations are boring</h3>\n<p>The truth is, you don&#8217;t want to encounter surprises during your remodel. Dramatic reno fails are <a href=\"http://www.moneysense.ca/spend/real-estate/buying/masters-of-house-flipping-kortney-and-dave-wilson/\">fun to watch on TV</a> but not nearly as amusing when they&#8217;re actually happening to you. So, put in the time to find the right contractor to <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-avoid-a-home-renovation-nightmare/\">reduce the chance of being surprised with an issue</a>. A contractor who thinks ahead can usually avoid all the drama and get the job done for you with minimal stress. Deena and Thomas apparently voiced their concerns about their contractor before he was hired (the couple claim he wasn&#8217;t their first choice due to his below-average reviews online), but for reasons that are unclear, the producers still went with him.</p>\n<h3>Renovations take a long time</h3>\n<p>A lot of the times, the big reveal tells half the story. While that whirlwind bedroom makeover may seem perfect, and the homeowners impressed, more often than not, TV renos are only 80% done. Don&#8217;t get pulled under by the <a href=\"http://www.moneysense.ca/spend/real-estate/buying/reno-shows-having-profound-impact-on-buyers/\" >HGTV effect</a>!</p>\n<p>Learn more on the truth about home renovation TV shows <a href=\"http://www.moneysense.ca/spend/real-estate/home-renovation-reality-check/\" >here</a>.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">&#8216;Love it or List it&#8217; faces lawsuit over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','‘Love it or List it’ faces lawsuit over shoddy renovation','<p>Plus, 3 things you should know about TV reno shows</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">&lsquo;Love it or List it&rsquo; faces lawsuit over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9566-revision-v1','','','2016-04-19 16:39:47','2016-04-19 20:39:47','',9566,'http://feedwordpress.radgeek.com/?rev=030055c03fbdd8171384846cb9826efc',0,'revision','',0),(9630,1,'2014-07-14 17:21:01','2014-07-14 17:21:01','At long last I got my hands on the new Subaru Forester! In this video I check to see how child seat friendly the Subie really is by jamming one, two and three child seats in the back. Come back later this week for the full Forester XT review!\nStatistics powered by ChannelMeter http://channelmeter.com','2014 / 2015 Subaru Forester Child Seat Review','','publish','open','open','','2014-2015-subaru-forester-child-seat-review','','','2014-07-14 17:21:01','2014-07-14 17:21:01','',0,'http://www.l2ocredit.com/2014/07/14/2014-2015-subaru-forester-child-seat-review/',0,'post','',0),(9631,0,'2016-04-19 22:21:13','2016-04-20 02:21:13','','2014 / 2015 Subaru Forester Child Seat Review','','inherit','open','closed','','2014-2015-subaru-forester-child-seat-review-2','','','2016-04-19 22:21:13','2016-04-20 02:21:13','',9630,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-subaru-forester-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9632,0,'2016-04-19 22:21:13','2016-04-20 02:21:13','','2014 / 2015 Subaru Forester Child Seat Review','','inherit','open','closed','','2014-2015-subaru-forester-child-seat-review-2','','','2016-04-19 22:21:13','2016-04-20 02:21:13','',9630,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-subaru-forester-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9633,0,'2016-04-19 22:21:14','2016-04-20 02:21:14','','2014 / 2015 Subaru Forester Child Seat Review','','inherit','open','closed','','2014-2015-subaru-forester-child-seat-review-3','','','2016-04-19 22:21:14','2016-04-20 02:21:14','',9630,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-subaru-forester-child-seat-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9634,0,'2016-04-19 22:21:14','2016-04-20 02:21:14','','2014 / 2015 Subaru Forester Child Seat Review','','inherit','open','closed','','2014-2015-subaru-forester-child-seat-review-4','','','2016-04-19 22:21:14','2016-04-20 02:21:14','',9630,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-subaru-forester-child-seat-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9635,1,'2016-04-19 16:39:47','2016-04-19 20:39:47','<p>The premises of most home reno shows sound too good to be true: With a non-existent budget and a totally unrealistic deadline, a team of sassy experts will swoop in to give your home the makeover of its dreams. Now, an American couple is suing the Canadian producers of HGTV&#8217;s <em>Love it or List it, </em>for allegedly causing damage to their home and doing a generally shoddy job, <a href=\"http://www.cbc.ca/news/arts/hgtv-home-reno-lawsuit-1.3542828\" >reports the Associated Press</a>.</p>\n<p>If you&#8217;ve ever been doubtful of the quality of workmanship on these shows, this won&#8217;t change your mind.</p>\n<p>According to the lawsuit, the home reno recipients, North Carolina couple Deena Murphy and Timothy Sullivan, allege that the contractor who worked on their remodel left their floors &#8220;irreparably damaged&#8221; and created holes during duct work that were apparently large enough for vermin to crawl right through. They also say that the show didn&#8217;t use licensed architects to draw up plans.</p>\n<p>When they signed up to be featured on <em>Love it or List it </em>the couple paid a US$140,000 deposit to the producers on the renovation. The producers ponied up US$85,786.50 to the contractor who allegedly fudged things up.</p>\n<p>It&#8217;s pretty likely the experience has left Deena and Timothy disillusioned with the lights, camera and wrecking-ball-action of home reno TV shows, but if anything, it&#8217;s a learning experience. Here are three things you should remember about renovations, televised or not.</p>\n<h3>You can&#8217;t afford to be passive</h3>\n<p>Home renovation TV hosts are full of bravado and showmanship. They&#8217;re entertainers after all. You often see hosts and designers dominate the entire process, leaving home owners with maybe a small handful of chances to provide their input. Whether on TV or in real life, it&#8217;s important to keep an eye on your contractor and to speak up if you object. <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-find-a-reputable-contractor/\">Here&#8217;s how to find a reputable contractor</a>.</p>\n<h3>Properly planned renovations are boring</h3>\n<p>The truth is, you don&#8217;t want to encounter surprises during your remodel. Dramatic reno fails are <a href=\"http://www.moneysense.ca/spend/real-estate/buying/masters-of-house-flipping-kortney-and-dave-wilson/\">fun to watch on TV</a> but not nearly as amusing when they&#8217;re actually happening to you. So, put in the time to find the right contractor to <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-avoid-a-home-renovation-nightmare/\">reduce the chance of being surprised with an issue</a>. A contractor who thinks ahead can usually avoid all the drama and get the job done for you with minimal stress. Deena and Thomas apparently voiced their concerns about their contractor before he was hired (the couple claim he wasn&#8217;t their first choice due to his below-average reviews online), but for reasons that are unclear, the producers still went with him.</p>\n<h3>Renovations take a long time</h3>\n<p>A lot of the times, the big reveal tells half the story. While that whirlwind bedroom makeover may seem perfect, and the homeowners impressed, more often than not, TV renos are only 80% done. Don&#8217;t get pulled under by the <a href=\"http://www.moneysense.ca/spend/real-estate/buying/reno-shows-having-profound-impact-on-buyers/\" >HGTV effect</a>!</p>\n<p>Learn more on the truth about home renovation TV shows <a href=\"http://www.moneysense.ca/spend/real-estate/home-renovation-reality-check/\" >here</a>.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">&#8216;Love it or List it&#8217; sued over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','‘Love it or List it’ sued over shoddy renovation','<p>Plus, 3 things you should know about TV reno shows</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">&lsquo;Love it or List it&rsquo; sued over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9566-revision-v1','','','2016-04-19 16:39:47','2016-04-19 20:39:47','',9566,'http://feedwordpress.radgeek.com/?rev=6122f31ccf7991a1f25f9f9cee120dcb',0,'revision','',0),(9636,1,'2011-12-03 01:40:30','2011-12-03 01:40:30','2011 Nissan LEAF review\nNissan introduces the worlds first mass produced electric car. The ride is smooth and luxurious but it has limitations.\nFrom www.motormouth.ca','2011 Nissan LEAF review','','publish','open','open','','2011-nissan-leaf-review','','','2011-12-03 01:40:30','2011-12-03 01:40:30','',0,'http://www.l2ocredit.com/2011/12/03/2011-nissan-leaf-review/',0,'post','',0),(9637,0,'2016-04-19 23:10:06','2016-04-20 03:10:06','','2011 Nissan LEAF review','','inherit','open','closed','','2011-nissan-leaf-review-2','','','2016-04-19 23:10:06','2016-04-20 03:10:06','',9636,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2011-nissan-leaf-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9638,0,'2016-04-19 23:10:06','2016-04-20 03:10:06','','2011 Nissan LEAF review','','inherit','open','closed','','2011-nissan-leaf-review-3','','','2016-04-19 23:10:06','2016-04-20 03:10:06','',9636,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2011-nissan-leaf-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9639,1,'2014-09-09 08:51:10','2014-09-09 08:51:10','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 5/5 \nPowertrain Options: 6.2 L V8 with a 6-Speed Automatic 2WD or 4WD \nEngine &amp; Performance\nBASE ENGINE SIZE 6.2 L \nCAM TYPE Overhead valves (OHV)\nCYLINDERS V8 \nVALVES 16\nVALVE TIMING Variable TORQUE 460 ft-lbs. @ 4100 rpm\nHORSEPOWER 420 hp @ 5600 rpm \nTURNING CIRCLE 39.0 ft.\nFuel\nFUEL TYPE Flex-fuel (FFV) FUEL TYPE Flex-fuel (unleaded/E85)\nFUEL TANK CAPACITY 26.0 gal. \nRANGE IN MILES (CTY/HWY) 364.0/546.0 mi.\nEPA MILEAGE EST. (CTY/HWY) 14/21 mpg \nWeights and Capacities\nMAXIMUM TOWING CAPACITY** 8000 lbs. MAXIMUM PAYLOAD** 1455 lbs.\nGROSS WEIGHT 7300 lbs. \nCURB WEIGHT 5845 lbs.\nCARGO CAPACITY, ALL SEATS IN PLACE 15.3 cu.ft. MAXIMUM CARGO CAPACITY 94.2 cu.ft. \nCompetitors: Mercedes GL, Lexus LX, Infiniti QX','2015 Cadillac Escalade Start Up and Review 6.2 L V8','','publish','open','open','','2015-cadillac-escalade-start-up-and-review-6-2-l-v8','','','2014-09-09 08:51:10','2014-09-09 08:51:10','',0,'http://www.l2ocredit.com/2014/09/09/2015-cadillac-escalade-start-up-and-review-6-2-l-v8/',0,'post','',0),(9640,0,'2016-04-19 23:29:22','2016-04-20 03:29:22','','2015 Cadillac Escalade Start Up and Review 6.2 L V8','','inherit','open','closed','','2015-cadillac-escalade-start-up-and-review-6-2-l-v8-2','','','2016-04-19 23:29:22','2016-04-20 03:29:22','',9639,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-cadillac-escalade-start-up-and-review-6-2-l-v8-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9641,0,'2016-04-19 23:29:22','2016-04-20 03:29:22','','2015 Cadillac Escalade Start Up and Review 6.2 L V8','','inherit','open','closed','','2015-cadillac-escalade-start-up-and-review-6-2-l-v8-3','','','2016-04-19 23:29:22','2016-04-20 03:29:22','',9639,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-cadillac-escalade-start-up-and-review-6-2-l-v8-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9642,1,'2014-09-27 03:54:24','2014-09-27 03:54:24','Available for the first time in North America, the Audi Q3 seeks to cash in on the latest industry trend of downsizing without downgrading. KBB’s Zach Vlasuk determines if this popular European formula has what it takes to gain a foothold in the U.S. marketplace. \n\nFor the latest Audi pricing and information:\nhttp://www.kbb.com/audi/\n\nKelley Blue Book is your source for new car reviews, auto show coverage, features, comparison tests, and technology reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb\n\nTo follow Zach Vlasuk on Twitter, please visit: http://www.twitter.com/zachvlasuk','2015 Audi Q3 - Review and Road Test','','publish','open','open','','2015-audi-q3-review-and-road-test','','','2014-09-27 03:54:24','2014-09-27 03:54:24','',0,'http://www.l2ocredit.com/2014/09/27/2015-audi-q3-review-and-road-test/',0,'post','',0),(9643,0,'2016-04-19 23:44:50','2016-04-20 03:44:50','','2015 Audi Q3 &#8211; Review and Road Test','','inherit','open','closed','','2015-audi-q3-review-and-road-test-2','','','2016-04-19 23:44:50','2016-04-20 03:44:50','',9642,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9644,0,'2016-04-19 23:44:51','2016-04-20 03:44:51','','2015 Audi Q3 &#8211; Review and Road Test','','inherit','open','closed','','2015-audi-q3-review-and-road-test-3','','','2016-04-19 23:44:51','2016-04-20 03:44:51','',9642,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-audi-q3-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9645,1,'2015-04-02 12:10:52','2015-04-02 12:10:52','McLaren just revealed its newest sports car on the eve of the 2015 New York International Auto Show.\n\nhttp://www.autoguide.com/auto-news/2015/03/2016-mclaren-570s-skirts-gas-guzzler-tax.html\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 McLaren 570S - 2015 New York Auto Show','','publish','open','open','','2016-mclaren-570s-2015-new-york-auto-show-2','','','2015-04-02 12:10:52','2015-04-02 12:10:52','',0,'http://www.l2ocredit.com/2015/04/02/2016-mclaren-570s-2015-new-york-auto-show-2/',0,'post','',0),(9646,0,'2016-04-20 00:00:03','2016-04-20 04:00:03','','2016 McLaren 570S &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mclaren-570s-2015-new-york-auto-show-4','','','2016-04-20 00:00:03','2016-04-20 04:00:03','',9645,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mclaren-570s-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9647,0,'2016-04-20 00:00:03','2016-04-20 04:00:03','','2016 McLaren 570S &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mclaren-570s-2015-new-york-auto-show-4','','','2016-04-20 00:00:03','2016-04-20 04:00:03','',9645,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mclaren-570s-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9648,0,'2016-04-20 00:00:03','2016-04-20 04:00:03','','2016 McLaren 570S &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mclaren-570s-2015-new-york-auto-show-5','','','2016-04-20 00:00:03','2016-04-20 04:00:03','',9645,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mclaren-570s-2015-new-york-auto-show-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9649,0,'2016-04-20 00:00:03','2016-04-20 04:00:03','','2016 McLaren 570S &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mclaren-570s-2015-new-york-auto-show-6','','','2016-04-20 00:00:03','2016-04-20 04:00:03','',9645,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mclaren-570s-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9650,0,'2016-04-20 00:00:03','2016-04-20 04:00:03','','2016 McLaren 570S &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mclaren-570s-2015-new-york-auto-show-6','','','2016-04-20 00:00:03','2016-04-20 04:00:03','',9645,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mclaren-570s-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9651,0,'2016-04-20 00:00:05','2016-04-20 04:00:05','','2016 McLaren 570S &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-mclaren-570s-2015-new-york-auto-show-7','','','2016-04-20 00:00:05','2016-04-20 04:00:05','',9645,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-mclaren-570s-2015-new-york-auto-show-2-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9652,1,'2013-11-02 15:00:04','2013-11-02 15:00:04','MotoMan gives a brief overview of power delivery, unique packaging and MPG after driving the 2014 Nissan Pathfinder Hybrid Electric Vehicle.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Nissan playlist:\nhttp://goo.gl/VVc5QJ\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','2014 Nissan Pathfinder Hybrid','','publish','open','open','','2014-nissan-pathfinder-hybrid','','','2013-11-02 15:00:04','2013-11-02 15:00:04','',0,'http://www.l2ocredit.com/2013/11/02/2014-nissan-pathfinder-hybrid/',0,'post','',0),(9653,0,'2016-04-20 00:18:23','2016-04-20 04:18:23','','2014 Nissan Pathfinder Hybrid','','inherit','open','closed','','2014-nissan-pathfinder-hybrid-2','','','2016-04-20 00:18:23','2016-04-20 04:18:23','',9652,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-nissan-pathfinder-hybrid-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9654,0,'2016-04-20 00:18:25','2016-04-20 04:18:25','','2014 Nissan Pathfinder Hybrid','','inherit','open','closed','','2014-nissan-pathfinder-hybrid-3','','','2016-04-20 00:18:25','2016-04-20 04:18:25','',9652,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-nissan-pathfinder-hybrid-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9655,1,'2014-07-11 16:39:41','2014-07-11 16:39:41','With the all-new Tiguan seemingly pushed back to 2016 I got my hands on the current generation Tiguan to see how the best handling compact crossover under $40,000 stacks up. I\'ll compare the Tiguan to the RAV-4, CR-V, Escape, Equinox and CX-5 as I explore the exterior, interior, features and hop in the cargo area for my exclusive Trunk Comfort Index.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','publish','open','open','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test','','','2014-07-11 16:39:41','2014-07-11 16:39:41','',0,'http://www.l2ocredit.com/2014/07/11/2014-2015-volkswagen-tiguan-detailed-review-and-road-test/',0,'post','',0),(9656,0,'2016-04-20 00:35:44','2016-04-20 04:35:44','','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','inherit','open','closed','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test-2','','','2016-04-20 00:35:44','2016-04-20 04:35:44','',9655,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-detailed-review-and-road-test-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9657,0,'2016-04-20 00:35:44','2016-04-20 04:35:44','','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','inherit','open','closed','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test-3','','','2016-04-20 00:35:44','2016-04-20 04:35:44','',9655,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-detailed-review-and-road-test-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9658,0,'2016-04-20 00:35:44','2016-04-20 04:35:44','','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','inherit','open','closed','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test-4','','','2016-04-20 00:35:44','2016-04-20 04:35:44','',9655,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-detailed-review-and-road-test-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9659,0,'2016-04-20 00:35:44','2016-04-20 04:35:44','','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','inherit','open','closed','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test-5','','','2016-04-20 00:35:44','2016-04-20 04:35:44','',9655,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-detailed-review-and-road-test-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9660,0,'2016-04-20 00:35:44','2016-04-20 04:35:44','','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','inherit','open','closed','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test-6','','','2016-04-20 00:35:44','2016-04-20 04:35:44','',9655,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-detailed-review-and-road-test-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9661,0,'2016-04-20 00:35:45','2016-04-20 04:35:45','','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','inherit','open','closed','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test-7','','','2016-04-20 00:35:45','2016-04-20 04:35:45','',9655,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-detailed-review-and-road-test-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9662,0,'2016-04-20 00:35:45','2016-04-20 04:35:45','','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','inherit','open','closed','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test-7','','','2016-04-20 00:35:45','2016-04-20 04:35:45','',9655,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-detailed-review-and-road-test-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9663,0,'2016-04-20 00:35:45','2016-04-20 04:35:45','','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','inherit','open','closed','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test-7','','','2016-04-20 00:35:45','2016-04-20 04:35:45','',9655,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-detailed-review-and-road-test-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9664,0,'2016-04-20 00:35:45','2016-04-20 04:35:45','','2014 / 2015 Volkswagen Tiguan Detailed Review and Road Test','','inherit','open','closed','','2014-2015-volkswagen-tiguan-detailed-review-and-road-test-7','','','2016-04-20 00:35:45','2016-04-20 04:35:45','',9655,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-detailed-review-and-road-test-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9665,1,'2011-11-30 23:51:28','2011-11-30 23:51:28','Chevrolet introduced the 2013 Chevrolet Spark at the 2011 Los Angeles auto show. Smaller than the Chevy Sonic, this micro-car has 85hp and is slightly bigger than the Fiat 500.','2013 Chevrolet Spark','','publish','open','open','','2013-chevrolet-spark-2','','','2011-11-30 23:51:28','2011-11-30 23:51:28','',0,'http://www.l2ocredit.com/2011/11/30/2013-chevrolet-spark-2/',0,'post','',0),(9666,0,'2016-04-20 01:30:07','2016-04-20 05:30:07','','2013 Chevrolet Spark','','inherit','open','closed','','2013-chevrolet-spark-3','','','2016-04-20 01:30:07','2016-04-20 05:30:07','',9665,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-chevrolet-spark-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9667,0,'2016-04-20 01:30:07','2016-04-20 05:30:07','','2013 Chevrolet Spark','','inherit','open','closed','','2013-chevrolet-spark-4','','','2016-04-20 01:30:07','2016-04-20 05:30:07','',9665,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2013-chevrolet-spark-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9668,1,'2014-09-05 08:40:11','2014-09-05 08:40:11','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4/5 \nPowertrain Options: 3.5 L V6 with a 5-Speed Automatic 2WD or 4WD \nEngine &amp; Performance\nBASE ENGINE SIZE 3.5 L \nCAM TYPE Single overhead cam (SOHC)\nCYLINDERS V6 \nVALVES 24\nVALVE TIMING Variable \nTORQUE 253 ft-lbs. @ 4800 rpm\nHORSEPOWER 250 hp @ 5700 rpm \nTURNING CIRCLE 37.9 ft.\nWeights and Capacities\nMAXIMUM TOWING CAPACITY** 4500 lbs. \nEPA INTERIOR VOLUME 170.7 cu.ft.\nCURB WEIGHT 4550 lbs. \nANGLE OF APPROACH 24.4 degrees\nANGLE OF DEPARTURE 22.1 degrees\nCARGO CAPACITY, ALL SEATS IN PLACE 18.0 cu.ft.\nMAXIMUM CARGO CAPACITY 87.0 cu.ft. \nFuel\nENGINE TYPE Gas \nFUEL TYPE Regular unleaded\nFUEL TANK CAPACITY 21.0 gal. \nRANGE IN MILES (CTY/HWY) 357.0/504.0 mi.\nEPA MILEAGE EST. (CTY/HWY) 17/24 mpg \nCompetitors: Ford Explorer, Toyota Highlander, Chevrolet Traverse, Mazda CX-9, Nissan Pathfinder, Dodge Durango','2015 Honda Pilot Start Up and Review 3.5 L V6','','publish','open','open','','2015-honda-pilot-start-up-and-review-3-5-l-v6','','','2014-09-05 08:40:11','2014-09-05 08:40:11','',0,'http://www.l2ocredit.com/2014/09/05/2015-honda-pilot-start-up-and-review-3-5-l-v6/',0,'post','',0),(9669,0,'2016-04-20 01:48:00','2016-04-20 05:48:00','','2015 Honda Pilot Start Up and Review 3.5 L V6','','inherit','open','closed','','2015-honda-pilot-start-up-and-review-3-5-l-v6-2','','','2016-04-20 01:48:00','2016-04-20 05:48:00','',9668,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-honda-pilot-start-up-and-review-3-5-l-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9670,0,'2016-04-20 01:48:00','2016-04-20 05:48:00','','2015 Honda Pilot Start Up and Review 3.5 L V6','','inherit','open','closed','','2015-honda-pilot-start-up-and-review-3-5-l-v6-3','','','2016-04-20 01:48:00','2016-04-20 05:48:00','',9668,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-honda-pilot-start-up-and-review-3-5-l-v6-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9671,0,'2016-04-20 01:48:00','2016-04-20 05:48:00','','2015 Honda Pilot Start Up and Review 3.5 L V6','','inherit','open','closed','','2015-honda-pilot-start-up-and-review-3-5-l-v6-4','','','2016-04-20 01:48:00','2016-04-20 05:48:00','',9668,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-honda-pilot-start-up-and-review-3-5-l-v6-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9672,1,'2014-09-26 11:00:06','2014-09-26 11:00:06','Unless your last name is Duke you probably don’t spend much time sliding sideways at maximum velocity along dirt roads. Sounds like fun though, right? If you want to drive like a pro on unpaved trails you’ll want to attend a proper rally school. Kelley Blue Book’s Micah Muzio recently had the chance to do just that at the Dirtfish Rally School near Seattle. In the final segment of this three-part series, Micah puts his hard-earned knowledge to work and conquers a full-fledged rally stage. \n\nFor the latest Subaru WRX pricing and information:\nhttp://www.kbb.com/subaru/wrx/2015-subaru-wrx/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb','DirtFish Rally School Day 3 - Kelley Blue Book','','publish','open','open','','dirtfish-rally-school-day-3-kelley-blue-book','','','2014-09-26 11:00:06','2014-09-26 11:00:06','',0,'http://www.l2ocredit.com/2014/09/26/dirtfish-rally-school-day-3-kelley-blue-book/',0,'post','',0),(9673,0,'2016-04-20 02:03:22','2016-04-20 06:03:22','','DirtFish Rally School Day 3 &#8211; Kelley Blue Book','','inherit','open','closed','','dirtfish-rally-school-day-3-kelley-blue-book-2','','','2016-04-20 02:03:22','2016-04-20 06:03:22','',9672,'http://www.l2ocredit.com/wp-content/uploads/2016/04/dirtfish-rally-school-day-3-kelley-blue-book-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9674,0,'2016-04-20 02:03:22','2016-04-20 06:03:22','','DirtFish Rally School Day 3 &#8211; Kelley Blue Book','','inherit','open','closed','','dirtfish-rally-school-day-3-kelley-blue-book-3','','','2016-04-20 02:03:22','2016-04-20 06:03:22','',9672,'http://www.l2ocredit.com/wp-content/uploads/2016/04/dirtfish-rally-school-day-3-kelley-blue-book-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9675,0,'2016-04-20 02:03:22','2016-04-20 06:03:22','','DirtFish Rally School Day 3 &#8211; Kelley Blue Book','','inherit','open','closed','','dirtfish-rally-school-day-3-kelley-blue-book-3','','','2016-04-20 02:03:22','2016-04-20 06:03:22','',9672,'http://www.l2ocredit.com/wp-content/uploads/2016/04/dirtfish-rally-school-day-3-kelley-blue-book-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9676,1,'2015-04-01 22:40:47','2015-04-01 22:40:47','Honda was the talk of the 2015 New York Auto Show, when it surprised everyone with an all-new Civic concept.\n\nhttp://www.autoguide.com/auto-news/2015/04/2016-honda-civic-gets-vtec-turbo-hatchback-bodystyle.html\n\nSubscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Honda Civic Concept - 2015 New York Auto Show','','publish','open','open','','2016-honda-civic-concept-2015-new-york-auto-show-2','','','2015-04-01 22:40:47','2015-04-01 22:40:47','',0,'http://www.l2ocredit.com/2015/04/01/2016-honda-civic-concept-2015-new-york-auto-show-2/',0,'post','',0),(9677,0,'2016-04-20 02:20:01','2016-04-20 06:20:01','','2016 Honda Civic Concept &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-honda-civic-concept-2015-new-york-auto-show-4','','','2016-04-20 02:20:01','2016-04-20 06:20:01','',9676,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-honda-civic-concept-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9678,0,'2016-04-20 02:20:01','2016-04-20 06:20:01','','2016 Honda Civic Concept &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-honda-civic-concept-2015-new-york-auto-show-5','','','2016-04-20 02:20:01','2016-04-20 06:20:01','',9676,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-honda-civic-concept-2015-new-york-auto-show-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9679,0,'2016-04-20 02:20:02','2016-04-20 06:20:02','','2016 Honda Civic Concept &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-honda-civic-concept-2015-new-york-auto-show-6','','','2016-04-20 02:20:02','2016-04-20 06:20:02','',9676,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-honda-civic-concept-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9680,1,'2013-10-26 20:38:42','2013-10-26 20:38:42','In this LIVE informal interview, MotoMan discusses the personal and professional milestones that drove Bob Lutz from a car kid in Switzerland to impacting the iconic BMW 3 series to inventing Dodge Viper and becoming the Vice Chairman of General Motors.\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Bob Lutz playlist:\nhttp://goo.gl/Jt1GSV\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','Bob Lutz Inside the MotoMan Studio @ The Petersen Automotive Museum','','publish','open','open','','bob-lutz-inside-the-motoman-studio-the-petersen-automotive-museum','','','2013-10-26 20:38:42','2013-10-26 20:38:42','',0,'http://www.l2ocredit.com/2013/10/26/bob-lutz-inside-the-motoman-studio-the-petersen-automotive-museum/',0,'post','',0),(9681,0,'2016-04-20 02:36:56','2016-04-20 06:36:56','','Bob Lutz Inside the MotoMan Studio @ The Petersen Automotive Museum','','inherit','open','closed','','bob-lutz-inside-the-motoman-studio-the-petersen-automotive-museum-2','','','2016-04-20 02:36:56','2016-04-20 06:36:56','',9680,'http://www.l2ocredit.com/wp-content/uploads/2016/04/bob-lutz-inside-the-motoman-studio-the-petersen-automotive-museum-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9682,1,'2014-07-11 01:35:52','2014-07-11 01:35:52','Until VW\'s new infotainment system from the 2015 Golf filters its way down to the rest of the VW lineup the RNS315 system is the top-level system in Volkswagen\'s less expensive vehicles like the EOS, Jetta and Tiguan. Today I check out the system in a 2014/2015 Tiguan to see how it stacks up.\nStatistics powered by ChannelMeter http://channelmeter.com','Volkswagen RNS 315 Infotainment and Navigation Review','','publish','open','open','','volkswagen-rns-315-infotainment-and-navigation-review','','','2014-07-11 01:35:52','2014-07-11 01:35:52','',0,'http://www.l2ocredit.com/2014/07/11/volkswagen-rns-315-infotainment-and-navigation-review/',0,'post','',0),(9683,0,'2016-04-20 02:53:36','2016-04-20 06:53:36','','Volkswagen RNS 315 Infotainment and Navigation Review','','inherit','open','closed','','volkswagen-rns-315-infotainment-and-navigation-review-2','','','2016-04-20 02:53:36','2016-04-20 06:53:36','',9682,'http://www.l2ocredit.com/wp-content/uploads/2016/04/volkswagen-rns-315-infotainment-and-navigation-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9684,0,'2016-04-20 02:53:36','2016-04-20 06:53:36','','Volkswagen RNS 315 Infotainment and Navigation Review','','inherit','open','closed','','volkswagen-rns-315-infotainment-and-navigation-review-2','','','2016-04-20 02:53:36','2016-04-20 06:53:36','',9682,'http://www.l2ocredit.com/wp-content/uploads/2016/04/volkswagen-rns-315-infotainment-and-navigation-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9685,1,'2011-11-30 17:43:33','2011-11-30 17:43:33','Take the funky Nissan Juke and add the Nismo treatment and you have something fast and funky.','Nissan Juke Concept Car','','publish','open','open','','nissan-juke-concept-car','','','2011-11-30 17:43:33','2011-11-30 17:43:33','',0,'http://www.l2ocredit.com/2011/11/30/nissan-juke-concept-car/',0,'post','',0),(9686,0,'2016-04-20 04:08:34','2016-04-20 08:08:34','','Nissan Juke Concept Car','','inherit','open','closed','','nissan-juke-concept-car-2','','','2016-04-20 04:08:34','2016-04-20 08:08:34','',9685,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-juke-concept-car-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9687,0,'2016-04-20 04:08:34','2016-04-20 08:08:34','','Nissan Juke Concept Car','','inherit','open','closed','','nissan-juke-concept-car-3','','','2016-04-20 04:08:34','2016-04-20 08:08:34','',9685,'http://www.l2ocredit.com/wp-content/uploads/2016/04/nissan-juke-concept-car-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9688,1,'2014-08-29 20:44:42','2014-08-29 20:44:42','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 5/5  \nPowertrain Options: 1.6 L 4-Cylinder or a 2.0 L 4-Cylinder with a 6-Speed Auto FWD','2015 Kia Soul Start Up and Review 2.0 L 4-Cylinder','','publish','open','open','','2015-kia-soul-start-up-and-review-2-0-l-4-cylinder','','','2014-08-29 20:44:42','2014-08-29 20:44:42','',0,'http://www.l2ocredit.com/2014/08/29/2015-kia-soul-start-up-and-review-2-0-l-4-cylinder/',0,'post','',0),(9689,0,'2016-04-20 04:24:33','2016-04-20 08:24:33','','2015 Kia Soul Start Up and Review 2.0 L 4-Cylinder','','inherit','open','closed','','2015-kia-soul-start-up-and-review-2-0-l-4-cylinder-2','','','2016-04-20 04:24:33','2016-04-20 08:24:33','',9688,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-kia-soul-start-up-and-review-2-0-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9690,0,'2016-04-20 04:24:33','2016-04-20 08:24:33','','2015 Kia Soul Start Up and Review 2.0 L 4-Cylinder','','inherit','open','closed','','2015-kia-soul-start-up-and-review-2-0-l-4-cylinder-2','','','2016-04-20 04:24:33','2016-04-20 08:24:33','',9688,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-kia-soul-start-up-and-review-2-0-l-4-cylinder-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9691,0,'2016-04-20 04:24:33','2016-04-20 08:24:33','','2015 Kia Soul Start Up and Review 2.0 L 4-Cylinder','','inherit','open','closed','','2015-kia-soul-start-up-and-review-2-0-l-4-cylinder-3','','','2016-04-20 04:24:33','2016-04-20 08:24:33','',9688,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-kia-soul-start-up-and-review-2-0-l-4-cylinder-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9692,1,'2014-09-24 11:00:03','2014-09-24 11:00:03','Unless your last name is Duke you probably don’t spend much time sliding sideways at maximum velocity along dirt roads. Sounds like fun though, right? If you want to drive like a pro on unpaved trails you’ll want to attend a proper rally school. Kelley Blue Book’s Micah Muzio recently had the chance to do just that at the Dirtfish Rally School near Seattle. In the second installment of this three-part series, Micah builds upon the fundamentals learned in part 1. \n\nFor the latest Subaru WRX pricing and information:\nhttp://www.kbb.com/subaru/wrx/2015-subaru-wrx/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. Subscribe to catch all the latest Kelley Blue Book videos. http://www.youtube.com/subscription_center?add_user=kbb','DirtFish Rally School Day 2 - Kelley Blue Book','','publish','open','open','','dirtfish-rally-school-day-2-kelley-blue-book','','','2014-09-24 11:00:03','2014-09-24 11:00:03','',0,'http://www.l2ocredit.com/2014/09/24/dirtfish-rally-school-day-2-kelley-blue-book/',0,'post','',0),(9693,0,'2016-04-20 04:51:47','2016-04-20 08:51:47','','DirtFish Rally School Day 2 &#8211; Kelley Blue Book','','inherit','open','closed','','dirtfish-rally-school-day-2-kelley-blue-book-2','','','2016-04-20 04:51:47','2016-04-20 08:51:47','',9692,'http://www.l2ocredit.com/wp-content/uploads/2016/04/dirtfish-rally-school-day-2-kelley-blue-book-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9694,0,'2016-04-20 04:51:47','2016-04-20 08:51:47','','DirtFish Rally School Day 2 &#8211; Kelley Blue Book','','inherit','open','closed','','dirtfish-rally-school-day-2-kelley-blue-book-3','','','2016-04-20 04:51:47','2016-04-20 08:51:47','',9692,'http://www.l2ocredit.com/wp-content/uploads/2016/04/dirtfish-rally-school-day-2-kelley-blue-book-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9695,1,'2015-04-01 21:50:08','2015-04-01 21:50:08','Subscribe\nhttp://www.youtube.com/subscription_center?add_user=AutoGuideVideo\n\nYouTube - http://www.youtube.com/user/AutoguideVideo\nFacebook - http://facebook.com/AutoGuide\nTwitter - http://twitter.com/AutoGuide\nGoogle+ - http://goo.gl/LBxsP\nWeb - http://www.AutoGuide.com\n\nAutoGuide reviews the latest new cars with test drives, car comparisons and shootouts plus coverage of breaking auto industry news, auto shows, rumors and spy photos. Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','Subaru BRZ STI Concept - 2015 New York Auto Show','','publish','open','open','','subaru-brz-sti-concept-2015-new-york-auto-show','','','2015-04-01 21:50:08','2015-04-01 21:50:08','',0,'http://www.l2ocredit.com/2015/04/01/subaru-brz-sti-concept-2015-new-york-auto-show/',0,'post','',0),(9696,0,'2016-04-20 05:08:28','2016-04-20 09:08:28','','Subaru BRZ STI Concept &#8211; 2015 New York Auto Show','','inherit','open','closed','','subaru-brz-sti-concept-2015-new-york-auto-show-2','','','2016-04-20 05:08:28','2016-04-20 09:08:28','',9695,'http://www.l2ocredit.com/wp-content/uploads/2016/04/subaru-brz-sti-concept-2015-new-york-auto-show-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9697,0,'2016-04-20 05:08:29','2016-04-20 09:08:29','','Subaru BRZ STI Concept &#8211; 2015 New York Auto Show','','inherit','open','closed','','subaru-brz-sti-concept-2015-new-york-auto-show-3','','','2016-04-20 05:08:29','2016-04-20 09:08:29','',9695,'http://www.l2ocredit.com/wp-content/uploads/2016/04/subaru-brz-sti-concept-2015-new-york-auto-show-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9698,0,'2016-04-20 05:08:29','2016-04-20 09:08:29','','Subaru BRZ STI Concept &#8211; 2015 New York Auto Show','','inherit','open','closed','','subaru-brz-sti-concept-2015-new-york-auto-show-4','','','2016-04-20 05:08:29','2016-04-20 09:08:29','',9695,'http://www.l2ocredit.com/wp-content/uploads/2016/04/subaru-brz-sti-concept-2015-new-york-auto-show-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9699,1,'2013-10-17 02:14:45','2013-10-17 02:14:45','While at the General Motors Heritage Center, MotoMan stumbled upon every generation of Chevrolet Corvette and gives a brief history each from C1 to C6 . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Chevrolet playlist:\nhttp://goo.gl/LHG6s3\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','Chevy Corvette -- 1953 through C7 at The GM Heritage Center','','publish','open','open','','chevy-corvette-1953-through-c7-at-the-gm-heritage-center','','','2013-10-17 02:14:45','2013-10-17 02:14:45','',0,'http://www.l2ocredit.com/2013/10/17/chevy-corvette-1953-through-c7-at-the-gm-heritage-center/',0,'post','',0),(9700,0,'2016-04-20 05:27:57','2016-04-20 09:27:57','','Chevy Corvette &#8212; 1953 through C7 at The GM Heritage Center','','inherit','open','closed','','chevy-corvette-1953-through-c7-at-the-gm-heritage-center-2','','','2016-04-20 05:27:57','2016-04-20 09:27:57','',9699,'http://www.l2ocredit.com/wp-content/uploads/2016/04/chevy-corvette-1953-through-c7-at-the-gm-heritage-center-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9701,0,'2016-04-20 05:27:57','2016-04-20 09:27:57','','Chevy Corvette &#8212; 1953 through C7 at The GM Heritage Center','','inherit','open','closed','','chevy-corvette-1953-through-c7-at-the-gm-heritage-center-3','','','2016-04-20 05:27:57','2016-04-20 09:27:57','',9699,'http://www.l2ocredit.com/wp-content/uploads/2016/04/chevy-corvette-1953-through-c7-at-the-gm-heritage-center-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9702,1,'2014-07-11 01:27:12','2014-07-11 01:27:12','On this week\'s child review segment I check out the best handling compact crossover under $40,000: the 2014/2015 Volkswagen Tiguan R-Line. Want to know how well child seats fit in the German alternative to the RAV4, CR-V, Escape and more? Join me as I find out.\nStatistics powered by ChannelMeter http://channelmeter.com','2014 / 2015 Volkswagen Tiguan Child Seat Review','','publish','open','open','','2014-2015-volkswagen-tiguan-child-seat-review','','','2014-07-11 01:27:12','2014-07-11 01:27:12','',0,'http://www.l2ocredit.com/2014/07/11/2014-2015-volkswagen-tiguan-child-seat-review/',0,'post','',0),(9703,0,'2016-04-20 05:50:30','2016-04-20 09:50:30','','2014 / 2015 Volkswagen Tiguan Child Seat Review','','inherit','open','closed','','2014-2015-volkswagen-tiguan-child-seat-review-2','','','2016-04-20 05:50:30','2016-04-20 09:50:30','',9702,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-child-seat-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9704,0,'2016-04-20 05:50:30','2016-04-20 09:50:30','','2014 / 2015 Volkswagen Tiguan Child Seat Review','','inherit','open','closed','','2014-2015-volkswagen-tiguan-child-seat-review-3','','','2016-04-20 05:50:30','2016-04-20 09:50:30','',9702,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-2015-volkswagen-tiguan-child-seat-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9705,1,'2011-11-23 08:38:13','2011-11-23 08:38:13','2009 Hyundai Entourage long term test review\r\nfrom www.motormouth.ca','2009 Hyundai Entourage long term test review','','publish','open','open','','2009-hyundai-entourage-long-term-test-review','','','2011-11-23 08:38:13','2011-11-23 08:38:13','',0,'http://www.l2ocredit.com/2011/11/23/2009-hyundai-entourage-long-term-test-review/',0,'post','',0),(9706,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-2','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9707,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-3','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9708,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-4','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9709,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-5','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9710,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-5','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9711,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-6','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9712,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-6','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9713,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-6','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9714,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-6','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9715,0,'2016-04-20 06:56:56','2016-04-20 10:56:56','','2009 Hyundai Entourage long term test review','','inherit','open','closed','','2009-hyundai-entourage-long-term-test-review-7','','','2016-04-20 06:56:56','2016-04-20 10:56:56','',9705,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-hyundai-entourage-long-term-test-review-youtube-thumbnail-5.jpg',0,'attachment','image/jpeg',0),(9716,1,'2014-08-21 04:47:09','2014-08-21 04:47:09','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4.5/5','2014 Toyota Sienna Start up and Review 3.5 L V6','','publish','open','open','','2014-toyota-sienna-start-up-and-review-3-5-l-v6','','','2014-08-21 04:47:09','2014-08-21 04:47:09','',0,'http://www.l2ocredit.com/2014/08/21/2014-toyota-sienna-start-up-and-review-3-5-l-v6/',0,'post','',0),(9717,0,'2016-04-20 07:28:09','2016-04-20 11:28:09','','2014 Toyota Sienna Start up and Review 3.5 L V6','','inherit','open','closed','','2014-toyota-sienna-start-up-and-review-3-5-l-v6-2','','','2016-04-20 07:28:09','2016-04-20 11:28:09','',9716,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-toyota-sienna-start-up-and-review-3-5-l-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9718,0,'2016-04-20 07:28:09','2016-04-20 11:28:09','','2014 Toyota Sienna Start up and Review 3.5 L V6','','inherit','open','closed','','2014-toyota-sienna-start-up-and-review-3-5-l-v6-2','','','2016-04-20 07:28:09','2016-04-20 11:28:09','',9716,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-toyota-sienna-start-up-and-review-3-5-l-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9719,0,'2016-04-20 07:28:09','2016-04-20 11:28:09','','2014 Toyota Sienna Start up and Review 3.5 L V6','','inherit','open','closed','','2014-toyota-sienna-start-up-and-review-3-5-l-v6-2','','','2016-04-20 07:28:09','2016-04-20 11:28:09','',9716,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-toyota-sienna-start-up-and-review-3-5-l-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9720,1,'2014-09-22 11:00:04','2014-09-22 11:00:04','Unless your last name is Duke you probably don’t spend much time sliding sideways at maximum velocity along dirt roads. Sounds like fun though, right? If you want to drive like a pro on unpaved trails you’ll want to attend a proper rally school. Kelley Blue Book’s Micah Muzio recently had the chance to do just that at the DirtFish Rally School near Seattle. In the first of this three-part series Micah learns the fundamentals of turning and braking on slippery roads. \n\nFor the latest Subaru WRX pricing and information:\nhttp://www.kbb.com/subaru/wrx/2015-subaru-wrx/\n\nKelley Blue Book is your source for new car reviews, features, auto show coverage, and infotainment reviews. 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Help shop for your new car with informative car buying tips and car recall news, and be entertained with feature stories, Top 10s and car review videos.','2016 Kia Optima - 2015 New York Auto Show','','publish','open','open','','2016-kia-optima-2015-new-york-auto-show-2','','','2015-04-01 22:09:33','2015-04-01 22:09:33','',0,'http://www.l2ocredit.com/2015/04/01/2016-kia-optima-2015-new-york-auto-show-2/',0,'post','',0),(9725,0,'2016-04-20 08:38:42','2016-04-20 12:38:42','','2016 Kia Optima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-kia-optima-2015-new-york-auto-show-4','','','2016-04-20 08:38:42','2016-04-20 12:38:42','',9724,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-kia-optima-2015-new-york-auto-show-2-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9726,0,'2016-04-20 08:38:43','2016-04-20 12:38:43','','2016 Kia Optima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-kia-optima-2015-new-york-auto-show-5','','','2016-04-20 08:38:43','2016-04-20 12:38:43','',9724,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-kia-optima-2015-new-york-auto-show-2-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9727,0,'2016-04-20 08:38:43','2016-04-20 12:38:43','','2016 Kia Optima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-kia-optima-2015-new-york-auto-show-6','','','2016-04-20 08:38:43','2016-04-20 12:38:43','',9724,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-kia-optima-2015-new-york-auto-show-2-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9728,0,'2016-04-20 08:38:44','2016-04-20 12:38:44','','2016 Kia Optima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-kia-optima-2015-new-york-auto-show-7','','','2016-04-20 08:38:44','2016-04-20 12:38:44','',9724,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-kia-optima-2015-new-york-auto-show-2-youtube-thumbnail-3.jpg',0,'attachment','image/jpeg',0),(9729,0,'2016-04-20 08:38:45','2016-04-20 12:38:45','','2016 Kia Optima &#8211; 2015 New York Auto Show','','inherit','open','closed','','2016-kia-optima-2015-new-york-auto-show-8','','','2016-04-20 08:38:45','2016-04-20 12:38:45','',9724,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2016-kia-optima-2015-new-york-auto-show-2-youtube-thumbnail-4.jpg',0,'attachment','image/jpeg',0),(9730,1,'2013-10-10 13:20:42','2013-10-10 13:20:42','David Leone, Chief Engineer of Cadillac goes over everything you ever wanted to know about the all-new 2015 Cadillac Escalade while former Cadillac Escalade owner and AMMO NYC founder, Larry Kosilla joins MotoMan for the finer details of the new Cadillac SUV . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Cadillac playlist:\nhttp://goo.gl/d17nCG\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','2015 Cadillac Escalade World Premiere with Cadillac Chief Engineer David Leone','','publish','open','open','','2015-cadillac-escalade-world-premiere-with-cadillac-chief-engineer-david-leone','','','2013-10-10 13:20:42','2013-10-10 13:20:42','',0,'http://www.l2ocredit.com/2013/10/10/2015-cadillac-escalade-world-premiere-with-cadillac-chief-engineer-david-leone/',0,'post','',0),(9731,0,'2016-04-20 08:59:29','2016-04-20 12:59:29','','2015 Cadillac Escalade World Premiere with Cadillac Chief Engineer David Leone','','inherit','open','closed','','2015-cadillac-escalade-world-premiere-with-cadillac-chief-engineer-david-leone-2','','','2016-04-20 08:59:29','2016-04-20 12:59:29','',9730,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-cadillac-escalade-world-premiere-with-cadillac-chief-engineer-david-leone-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9732,0,'2016-04-20 08:59:29','2016-04-20 12:59:29','','2015 Cadillac Escalade World Premiere with Cadillac Chief Engineer David Leone','','inherit','open','closed','','2015-cadillac-escalade-world-premiere-with-cadillac-chief-engineer-david-leone-2','','','2016-04-20 08:59:29','2016-04-20 12:59:29','',9730,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-cadillac-escalade-world-premiere-with-cadillac-chief-engineer-david-leone-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9733,0,'2016-04-20 08:59:30','2016-04-20 12:59:30','','2015 Cadillac Escalade World Premiere with Cadillac Chief Engineer David Leone','','inherit','open','closed','','2015-cadillac-escalade-world-premiere-with-cadillac-chief-engineer-david-leone-3','','','2016-04-20 08:59:30','2016-04-20 12:59:30','',9730,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2015-cadillac-escalade-world-premiere-with-cadillac-chief-engineer-david-leone-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9734,1,'2014-07-05 02:19:55','2014-07-05 02:19:55','Ever wondered what an automated car was looks like on Nissan and Infiniti\'s all around camera system? Wonder no longer. And before you ask, yes, that\'s all this video is. (I couldn\'t think of a decent way to work it into the review).\nStatistics powered by ChannelMeter http://channelmeter.com','Infiniti all around camera car wash','','publish','open','open','','infiniti-all-around-camera-car-wash','','','2014-07-05 02:19:55','2014-07-05 02:19:55','',0,'http://www.l2ocredit.com/2014/07/05/infiniti-all-around-camera-car-wash/',0,'post','',0),(9735,0,'2016-04-20 09:16:02','2016-04-20 13:16:02','','Infiniti all around camera car wash','','inherit','open','closed','','infiniti-all-around-camera-car-wash-2','','','2016-04-20 09:16:02','2016-04-20 13:16:02','',9734,'http://www.l2ocredit.com/wp-content/uploads/2016/04/infiniti-all-around-camera-car-wash-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9736,0,'2016-04-20 09:16:02','2016-04-20 13:16:02','','Infiniti all around camera car wash','','inherit','open','closed','','infiniti-all-around-camera-car-wash-3','','','2016-04-20 09:16:02','2016-04-20 13:16:02','',9734,'http://www.l2ocredit.com/wp-content/uploads/2016/04/infiniti-all-around-camera-car-wash-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9737,0,'2016-04-20 09:16:02','2016-04-20 13:16:02','','Infiniti all around camera car wash','','inherit','open','closed','','infiniti-all-around-camera-car-wash-4','','','2016-04-20 09:16:02','2016-04-20 13:16:02','',9734,'http://www.l2ocredit.com/wp-content/uploads/2016/04/infiniti-all-around-camera-car-wash-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9738,1,'2016-04-20 09:01:38','2016-04-20 13:01:38','<p>Do you plan on redecorating your bedroom but have a small budget? A New York home design expert offers tips and tricks for creating a dramatic transformation in your bedroom using only a $300 decorating budget.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\" >Ask Home Owner columnist Romana King your real estate question »</a></p>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT4M\" />\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=\"myExperience4596389599001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"4596389599001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\" />\n        <param name=\"autoStart\" value=\"false\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n</div>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to stage a bedroom on a $300 budget','<p>Add drama and style to your bedroom with these tips from a New York designer</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 09:01:38','2016-04-20 13:01:38','',0,'http://www.moneysense.ca/?p=151362',0,'post','',0),(9739,1,'2016-04-20 09:01:38','2016-04-20 13:01:38','<p>Do you plan on redecorating your bedroom but have a small budget? A New York home design expert offers tips and tricks for creating a dramatic transformation in your bedroom using only a $300 decorating budget.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\" >Ask Home Owner columnist Romana King your real estate question »</a></p>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT4M\" />\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=\"myExperience4596389599001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"4596389599001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\" />\n        <param name=\"autoStart\" value=\"false\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n</div>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to stage a bedroom on a $300 budget','<p>Add drama and style to your bedroom with these tips from a New York designer</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9738-revision-v1','','','2016-04-20 09:01:38','2016-04-20 13:01:38','',9738,'http://feedwordpress.radgeek.com/?rev=824199f1d6cc31923cc8dab9ff44569c',0,'revision','',0),(9740,1,'2011-11-23 08:30:08','2011-11-23 08:30:08','2009 Subaru Forester review\r\nfrom www.motormouth.ca','2009 Subaru Forester review','','publish','open','open','','2009-subaru-forester-review','','','2011-11-23 08:30:08','2011-11-23 08:30:08','',0,'http://www.l2ocredit.com/2011/11/23/2009-subaru-forester-review/',0,'post','',0),(9741,0,'2016-04-20 10:33:51','2016-04-20 14:33:51','','2009 Subaru Forester review','','inherit','open','closed','','2009-subaru-forester-review-2','','','2016-04-20 10:33:51','2016-04-20 14:33:51','',9740,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-subaru-forester-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9742,0,'2016-04-20 10:33:51','2016-04-20 14:33:51','','2009 Subaru Forester review','','inherit','open','closed','','2009-subaru-forester-review-2','','','2016-04-20 10:33:51','2016-04-20 14:33:51','',9740,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-subaru-forester-review-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9743,0,'2016-04-20 10:33:55','2016-04-20 14:33:55','','2009 Subaru Forester review','','inherit','open','closed','','2009-subaru-forester-review-3','','','2016-04-20 10:33:55','2016-04-20 14:33:55','',9740,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-subaru-forester-review-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9744,0,'2016-04-20 10:34:00','2016-04-20 14:34:00','','2009 Subaru Forester review','','inherit','open','closed','','2009-subaru-forester-review-4','','','2016-04-20 10:34:00','2016-04-20 14:34:00','',9740,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2009-subaru-forester-review-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9745,1,'2016-04-19 16:39:47','2016-04-19 20:39:47','<p>The premises of most home reno shows sound too good to be true: With a non-existent budget and a totally unrealistic deadline, a team of sassy experts will swoop in to give your home the makeover of its dreams. Now, an American couple is suing the Canadian producers of HGTV&#8217;s <em>Love it or List it, </em>for allegedly causing damage to their home and doing a generally shoddy job, <a href=\"http://www.cbc.ca/news/arts/hgtv-home-reno-lawsuit-1.3542828\" >reports the Associated Press</a>.</p>\n<p>If you&#8217;ve ever been doubtful of the quality of workmanship on these shows, this won&#8217;t change your mind.</p>\n<p>According to the lawsuit, the home reno recipients, North Carolina couple Deena Murphy and Timothy Sullivan, allege that the contractor who worked on their remodel left their floors &#8220;irreparably damaged&#8221; and created holes during duct work that were apparently large enough for vermin to crawl right through. They also say that the show didn&#8217;t use licensed architects to draw up plans.</p>\n<p>When they signed up to be featured on <em>Love it or List it </em>the couple paid a US$140,000 deposit to the producers on the renovation. The producers ponied up US$85,786.50 to the contractor who allegedly fudged things up.</p>\n<p>It&#8217;s pretty likely the experience has left Deena and Timothy disillusioned with the lights, camera and wrecking-ball-action of home reno TV shows, but if anything, it&#8217;s a learning experience. Here are three things you should remember about renovations, televised or not.</p>\n<h3>You can&#8217;t afford to be passive</h3>\n<p>Home renovation TV hosts are full of bravado and showmanship. They&#8217;re entertainers after all. You often see hosts and designers dominate the entire process, leaving home owners with maybe a small handful of chances to provide their input. Whether on TV or in real life, it&#8217;s important to keep an eye on your contractor and to speak up if you object. <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-find-a-reputable-contractor/\">Here&#8217;s how to find a reputable contractor</a>.</p>\n<h3>Properly planned renovations are boring</h3>\n<p>The truth is, you don&#8217;t want to encounter surprises during your remodel. Dramatic reno fails are <a href=\"http://www.moneysense.ca/spend/real-estate/buying/masters-of-house-flipping-kortney-and-dave-wilson/\">fun to watch on TV</a> but not nearly as amusing when they&#8217;re actually happening to you. So, put in the time to find the right contractor to <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-avoid-a-home-renovation-nightmare/\">reduce the chance of being surprised with an issue</a>. A contractor who thinks ahead can usually avoid all the drama and get the job done for you with minimal stress. Deena and Thomas apparently voiced their concerns about their contractor before he was hired (the couple claim he wasn&#8217;t their first choice due to his below-average reviews online), but for reasons that are unclear, the producers still went with him.</p>\n<h3>Renovations take a long time</h3>\n<p>A lot of the times, the big reveal tells half the story. While that whirlwind bedroom makeover may seem perfect, and the homeowners impressed, more often than not, TV renos are only 80% done. Don&#8217;t get pulled under by the <a href=\"http://www.moneysense.ca/spend/real-estate/buying/reno-shows-having-profound-impact-on-buyers/\" >HGTV effect</a>!</p>\n<p>Learn more on the truth about home renovation TV shows <a href=\"http://www.moneysense.ca/spend/real-estate/home-renovation-reality-check/\" >here</a>.</p>\n<h4><strong>Watch: Kitchen makeover tips</strong></h4>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT1M11S\" />\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=\"myExperience4498993174001\" 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=\"4498993174001\" />\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/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\" />\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/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">&#8216;Love it or List it&#8217; sued over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','‘Love it or List it’ sued over shoddy renovation','<p>Plus, 3 things you should know about TV reno shows</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">&lsquo;Love it or List it&rsquo; sued over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9566-revision-v1','','','2016-04-19 16:39:47','2016-04-19 20:39:47','',9566,'http://feedwordpress.radgeek.com/?rev=3a87367199fe60105f50c62de29ba9b3',0,'revision','',0),(9746,1,'2014-08-16 08:14:22','2014-08-16 08:14:22','Like Us on Facebook! https://www.facebook.com/pages/Camerons-Car-Reviews/349462695066112?ref=hl \nCamerons Car Reviews Score: 4/5','2014 Volkswagen Touareg Start Up and Review 3.0 L Diesel V6','','publish','open','open','','2014-volkswagen-touareg-start-up-and-review-3-0-l-diesel-v6','','','2014-08-16 08:14:22','2014-08-16 08:14:22','',0,'http://www.l2ocredit.com/2014/08/16/2014-volkswagen-touareg-start-up-and-review-3-0-l-diesel-v6/',0,'post','',0),(9747,0,'2016-04-20 10:50:42','2016-04-20 14:50:42','','2014 Volkswagen Touareg Start Up and Review 3.0 L Diesel V6','','inherit','open','closed','','2014-volkswagen-touareg-start-up-and-review-3-0-l-diesel-v6-2','','','2016-04-20 10:50:42','2016-04-20 14:50:42','',9746,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-volkswagen-touareg-start-up-and-review-3-0-l-diesel-v6-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9748,0,'2016-04-20 10:50:43','2016-04-20 14:50:43','','2014 Volkswagen Touareg Start Up and Review 3.0 L Diesel V6','','inherit','open','closed','','2014-volkswagen-touareg-start-up-and-review-3-0-l-diesel-v6-3','','','2016-04-20 10:50:43','2016-04-20 14:50:43','',9746,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-volkswagen-touareg-start-up-and-review-3-0-l-diesel-v6-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9749,0,'2016-04-20 10:50:43','2016-04-20 14:50:43','','2014 Volkswagen Touareg Start Up and Review 3.0 L Diesel V6','','inherit','open','closed','','2014-volkswagen-touareg-start-up-and-review-3-0-l-diesel-v6-4','','','2016-04-20 10:50:43','2016-04-20 14:50:43','',9746,'http://www.l2ocredit.com/wp-content/uploads/2016/04/2014-volkswagen-touareg-start-up-and-review-3-0-l-diesel-v6-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9750,1,'2013-10-04 11:18:19','2013-10-04 11:18:19','Bob Lutz is our next guest where he &amp; MotoMan will discuss his legendary career, business, his latest book -- \'Icons &amp; Idiots: Straight Talk on Leadership\' &amp; of course, cars. Cruise In starts at 9:00 AM. The program starts at 11:00 AM. The event is free but space is limited so RSVP today at http://goo.gl/OsyYvk . . .\n\nMotoMan. Ordinary Car Guy. Extraordinary Adventures\n\nEVERY WEEK, Mean Gene &amp; MotoMan bring you a new episode of their extraordinary adventures in the car world. Sure, MotoMan drives the latest cars to blue chip classics but that\'s just the beginning: He experiences bucket list car guy adventures like going behind the scenes to build manufacturer show cars to driving military prototype vehicles. Back at the studio, Mean Gene takes apart the newly introduced cars and provides his unique technical perspective.\n\nSubscribe now to experience our adventures in the car world.\nhttp://goo.gl/GjIHuZ\n\nCheck out our Bob Lutz playlist:\nhttp://goo.gl/XkWsLW\n\nCheck out MotoMan\'s Playlist:\nhttp://goo.gl/79fTTj\n\nCome visit us at our home, The Petersen Automotive Museum on Museum Row in Los Angeles, California, where each month, MotoMan has an informal discussion with the key people shaping the car industry in front of a live studio &amp; Internet streamed audience. Connect with us via Facebook &amp; Twitter for a full schedule: \n\nFacebook - http://www.facebook.com/MotoManTV\nTwitter - http://twitter.com/MotoManTV\n\nWebsite - http://www.MotoMan.TV\nPetersen: http://www.petersen.org','Inside the MotoMan Studio at The Petersen Automotive Museum with Bob Lutz - PREVIEW','','publish','open','open','','inside-the-motoman-studio-at-the-petersen-automotive-museum-with-bob-lutz-preview','','','2013-10-04 11:18:19','2013-10-04 11:18:19','',0,'http://www.l2ocredit.com/2013/10/04/inside-the-motoman-studio-at-the-petersen-automotive-museum-with-bob-lutz-preview/',0,'post','',0),(9751,0,'2016-04-20 11:40:46','2016-04-20 15:40:46','','Inside the MotoMan Studio at The Petersen Automotive Museum with Bob Lutz &#8211; PREVIEW','','inherit','open','closed','','inside-the-motoman-studio-at-the-petersen-automotive-museum-with-bob-lutz-preview-2','','','2016-04-20 11:40:46','2016-04-20 15:40:46','',9750,'http://www.l2ocredit.com/wp-content/uploads/2016/04/inside-the-motoman-studio-at-the-petersen-automotive-museum-with-bob-lutz-preview-youtube-thumbnail.jpg',0,'attachment','image/jpeg',0),(9752,0,'2016-04-20 11:40:47','2016-04-20 15:40:47','','Inside the MotoMan Studio at The Petersen Automotive Museum with Bob Lutz &#8211; PREVIEW','','inherit','open','closed','','inside-the-motoman-studio-at-the-petersen-automotive-museum-with-bob-lutz-preview-3','','','2016-04-20 11:40:47','2016-04-20 15:40:47','',9750,'http://www.l2ocredit.com/wp-content/uploads/2016/04/inside-the-motoman-studio-at-the-petersen-automotive-museum-with-bob-lutz-preview-youtube-thumbnail-1.jpg',0,'attachment','image/jpeg',0),(9753,0,'2016-04-20 11:40:49','2016-04-20 15:40:49','','Inside the MotoMan Studio at The Petersen Automotive Museum with Bob Lutz &#8211; PREVIEW','','inherit','open','closed','','inside-the-motoman-studio-at-the-petersen-automotive-museum-with-bob-lutz-preview-4','','','2016-04-20 11:40:49','2016-04-20 15:40:49','',9750,'http://www.l2ocredit.com/wp-content/uploads/2016/04/inside-the-motoman-studio-at-the-petersen-automotive-museum-with-bob-lutz-preview-youtube-thumbnail-2.jpg',0,'attachment','image/jpeg',0),(9754,1,'2014-07-07 02:57:26','2014-07-07 02:57:26','Facebook: http://facebook.com/alexonautos\nTwitta: http://twitter.com/alexonautos\nWeb: http://alexonautos.com\n\n2014 Acura RDX: http://youtu.be/uDKnCtIcQX8\n2014 Lexus CT 200h: http://youtu.be/ccZzofp6JN0\n2014 Lexus GS 450h:http://youtu.be/gZqbIcz0Aa4\n2014 BMW X5: http://youtu.be/gm2bwJkQxjU\n\nWhile Land Rover arguably invented the concept of a luxury SUV with their first Range Rover, the 1998 Lexus RX is the vehicle that\'s had the single biggest impact on the luxury industry. Initially derided by the press as a lifted Camry with delusions of grandeur, calling the RX a run away sales success would be an understatement. Lexus\' original crossover  now accounts for over a third of the brand\'s total volume in America and holds the crown as the best selling luxury vehicle on our shores. Trouble is, the RX has grown over time and is now a half-step too big for European tastes. In the hopes of dominating a third of Lexus brand sales in Europe, Lexus engineers went back to the drawing board and created s little brother for the RX: the 2015 Lexus NX.\nThe right-sized Lexus crossover is, as you\'d expect, almost exactly the same size as the Audi Q5, Volvo XC60, BMW X3 and Acura RDX.  That puts the NX slightly ahead of the Mercedes GLK, four inches ahead of the 2015 Lincoln MKC and a full foot longer than the Range Rover Evoque. With 6.9 inches of ground clearance the NX should be just as dirt-road capable as the average luxury soft-roader and interestingly Lexus bothers to publish approach and departure angles. In case you\'re now wondering, approach is 28.7 degrees in 200t and 300h trim and 16.8 deg in the F-Sport because of the flatter front end. Departure remains 24 degrees on all models.\n\nBefore you ask, the NX isn\'t a shrunken RX and it isn\'t a luxury RAV-4 either. Lexus claims that 90% of the parts are unique to the NX and those that are shared are primarily related to the optional hybrid system. Thanks to the clean sheet design, the NX is the first Lexus that looks comfortable in the new corporate uniform.While other Lexus models (namely the LS) wear the \"spindle\" grille surprisingly well, other aspects of the new design language haven\'t translated well to the luxury brand\'s utility vehicles. The \"Nike swoosh\" LED daytime running lamp modules that look oddly out-of-place on the IS sedan actually work on the NX and I found myself wondering why. I think the answer can be found in the headlamp module which is much sleeker than in other Lexus models thanks to standard LED low beams. Overall the combination allows for a more balanced front end.\n\nFrom tip to tail there\'s no doubt that the NX\'s design won\'t be for everyone, but I find that refreshing for a brand long known for design-restraint.  I wouldn\'t exactly call it the looks ground breaking or polarizing, but this is as close as Lexus has even been. Although Lexus is making an NX F-Sport Hybrid, Lexus has chosen to not offer the aggressive grille and fuel-sipping engine combo in America.Under the hood beats the first turbo engine Lexus has sold in America: an all-new 2.0L direct-injection turbocharged four-cylinder engine. While the engineers spent most of their time telling members of the press how fantastic their turbo design is, I was more intrigued that this seems to be the first non-hybrid drivetrain that can switch between an Otto and an Atkinson cycle. (Mazda tells me they do not consider the SkyAcitv design an Atkinson cycle.) The technology behind this is a new variable valve timing system that can adjust the intake and exhaust cam timing independently allowing for a late intake valve closure when efficiency rather than torque is required. Also on the trivia list is an air-to-water intercooler instead of a more typical air-to-air unit. The result is 235 horsepower from 4,800-5,600 RPM and 258 lb-ft from 1,650-4,000 RPM.\n\nRather than borrowing the 8-speed automatic used in the RX350 F-Sport (and the XC60), Lexus chose to refresh an existing 6-speed auto and tweak it for the turbo engine\'s low-end torque. The engineer I spoke with claimed that the rationale behind the missing gears was that \"an 8-speed automatic isn\'t as much fun with paddle shifters.\" Make of that what you will.\nStatistics powered by ChannelMeter http://channelmeter.com','2015 Lexus NX 200t and NX 300h Detailed Review and Road Test','','publish','open','open','','2015-lexus-nx-200t-and-nx-300h-detailed-review-and-road-test','','','2014-07-07 02:57:26','2014-07-07 02:57:26','',0,'http://www.l2ocredit.com/2014/07/07/2015-lexus-nx-200t-and-nx-300h-detailed-review-and-road-test/',0,'post','',0),(9755,0,'2016-04-20 11:58:09','2016-04-20 15:58:09','','2015 Lexus NX 200t and NX 300h Detailed Review and Road Test','','inherit','open','closed','','2015-lexus-nx-200t-and-nx-300h-detailed-review-and-road-test-2','','','2016-04-20 11:58:09','2016-04-20 15:58:09','',9754,'http://www.l2ocredit.com/2014/07/07/2015-lexus-nx-200t-and-nx-300h-detailed-review-and-road-test/2015-lexus-nx-200t-and-nx-300h-detailed-review-and-road-test-2/',0,'attachment','image/jpeg',0),(9756,1,'2016-04-20 11:43:37','2016-04-20 15:43:37','<p><img class=\"alignnone wp-image-153238 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch.jpg\" alt=\"Retirement planning - Surviving the crunch\" width=\"800\" height=\"1000\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch-240x300.jpg 240w, http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch-768x960.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch-528x660.jpg 528w, http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch.jpg 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" />Julie and Noel Bond seemed well on their way to realizing the Canadian dream when they moved east of Vancouver to the small community of Mission in 2014 so they could afford a three-bedroom house for their growing family. They now have two pre-school children and are expecting a baby in March.</p>\n<p>While Julie plans to stay home to look after the kids for a year after the baby’s birth, the couple face a tricky financial dilemma over what to do after that. For Julie to return to her part-time $30,000-a-year teaching job would be pointless because her entire paycheque would be eaten up by child-care costs. But the $80,000 a year Noel earns as a railway worker isn’t enough by itself to cover the mortgage and other expenses if Julie stays home to look after the kids. Whether Julie, who is 36, returns to her old job or stays home, they expect ongoing expenses to exceed take-home pay by about $1,000 a month. That leaves Julie looking for solutions and wondering, “What will my family do?”</p>\n<h3>Caught in the crunch</h3>\n<p>The Bonds are in the midst of what many Canadians find to be the most challenging interval on the entire road to retirement, a period sometimes referred to as the “crunch” years. You may experience its bite after buying a house and starting a family, when you shoulder the dual burden of a huge mortgage and expensive child care costs. While the crunch has been a fact of financial life for decades, it has bitten deeper in recent years as house prices have continued to escalate in major cities like Toronto and Vancouver. In what follows, we’ll describe the crunch and what you need to do to get through it. We’ll also show you what help government provides and compare it to benefits for seniors, while raising the challenging question of whether more should be done.</p>\n<p>Driving the crunch these days is the fact that soaring house prices have changed the fortunes of older and younger Canadians in a very different fashion. They have enriched the net worth and eased the path to retirement for those old enough to have bought homes before much of the run-up, while burdening younger Canadians who are new to the housing market. “Housing has become a generational tipping point in Canada these days,” says Paul Kershaw, executive chair of the Association for Generational Equity (AGE), an advocacy group for Canadians in their 20s, 30s and 40s. “The squeeze is so significant that it is transforming expectations with respect to home ownership, even for talented, successful, well-educated young people,” says Kershaw.</p>\n<p>It’s not just advocates from a younger generation who think so. “I think they have a real point,” says Malcolm Hamilton, a retired actuary and fellow with the C.D. Howe Institute, and one of Canada’s foremost retirement experts. “In what kind of country can a couple (like the Bonds) with $110,000 in income not be able to afford to have a house and two children? And yet there are parts of Canada where that’s a real challenge,” he says. “We’re very miserly in our support for poor struggling young people. Yet we treat seniors much, much better and have for decades.”</p>\n<p>When it comes to the crunch, we need to rethink what “high income” means. While couples with low or average incomes and children may be priced out of a house purchase altogether in the more expensive housing markets, even couples like the Bonds with incomes over $100,000 can struggle. “They’re more or less viewed as privileged people who can afford mortgages and children,” says Hamilton. But despite high gross incomes, what’s often left over after paying the mortgage, debts, child-care costs, income taxes and other costs is liable to leave them in difficulty trying to make ends meet. “Even with incomes of between $100,000 and $150,000 in Toronto or Vancouver, you’d better think it through because housing is expensive, the payments are going to be large and daycare is expensive, too.”</p>\n<h3>Avoiding a pitfall</h3>\n<p>When applying for a mortgage, it’s surprisingly easy to take on more than you can afford if you also have kids soon after. That’s because financial institutions generally base their test of income sufficiency on two ratios (known as the “gross debt service” ratio and the “total debt service” ratio) that don’t take into account child-care costs. That means if you take the biggest mortgage the bank will give you and you don’t have kids, your finances will probably feel tight but okay. But then if you have a couple of kids and start paying hefty daycare costs (or drop one of the incomes), that can easily put you over the edge of what you can afford. “They aren’t a good limit for people who are going to have children,” says Hamilton.</p>\n<p>The result is a potential financial trap for the unwary. To show what can happen, we’ve created a budget for a fictional couple we’ll call Amy and Tyler Spencer. We enlisted <img class=\"alignright wp-image-153190 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-04-20-at-9.49.20-AM.png\" alt=\"Retirement planning How a family budget can get crunched\" width=\"301\" height=\"790\" />the help of chartered professional accountant Ali Jaffer and staff at AR Jaffer Professional Corporation to calculate taxes and benefits for 2015. The Spencers live in Toronto and earn a little bit more than the real-life Bonds. They have combined salaries of $120,000 (one spouse earns $80,000 and the other earns $40,000). They have taken on as big a mortgage as their financial institution will allow in order to buy the best house they can for their kids. They have two preschool-aged children in private daycare and pay $26,000 a year in fees, a typical amount in Toronto these days. We put together a fairly bare-bones budget for them and found they ended up with a shortfall of more than $10,000 a year.</p>\n<p>That means you have to plan for the crunch years at the start. “You have to think through at the point you buy the house, how many children are you going to have, and how you are going to care for those children until they go to school, and how much is it going to cost?” says Hamilton. “If you wait until later to figure it out, you may have painted yourself into a corner.”</p>\n<h3>Getting breaks and benefits</h3>\n<p>To be sure, the government provides a number of benefit programs or tax breaks for families with children. While these programs certainly help to a significant degree, they give the impression that governments are doing more than they really are. “I would describe them as boutique programs designed to get headlines, not actually make excellent public policy,” says Kershaw. To show this impact, we calculated the family benefits and tax breaks that the Spencers would receive as well as the overall taxes they pay, also with the help of Jaffer.</p>\n<p>The Spencers received three specific tax breaks worth $6,188 and money from two family benefit programs worth $4,410 before taxes. While that helps, it’s a lot less than the $26,000 they spent on daycare. Despite the tax breaks, their overall income tax bill net of benefits was just under $15,000. While the Spencers are struggling with heavy mortgage and daycare costs, their relatively high income makes them a magnet for high income taxes. “Government confuses large income with high standard of living,” observes Hamilton.</p>\n<p><a href=\"http://www.moneysense.ca/?p=153188\">Seniors get all the tax breaks? » </a></p>\n<h3>Surviving the crunch</h3>\n<p>To get through the crunch, initially you need to focus on just keeping your financial head above water and then pay off debts when you can. Usually financial conditions gradually get better on their own accord. Salaries generally go up at least by inflation and you may get promotional increases on top of that. Mortgage payments generally stay flat. Gradually your mortgage payments build home equity at a compounding rate. Child-care costs decline as your children reach school age and eventually will end completely when they get older.</p>\n<p>“The priority is get out of debt as quickly as you reasonably can,” advises Hamilton. “If you have more than one debt, try to have it in the place where the interest rate is lowest.” Few people at this stage can save for retirement, but that’s okay, despite lots of hectoring to the contrary from the financial industry. After you get through the crunch years, you’ll have to make saving a priority, Hamilton says.</p>\n<h3>The Bonds persevere</h3>\n<p>Meanwhile Julie and Noel Bond are looking forward to welcoming a new baby into their young family, which also includes Jaya, 4, and Zackary, 2. Julie, who is 36, plans to stay home to look after the kids during the new baby’s first year and she expects that Employment Insurance Maternity and Parental Benefits should roughly cover the shortfall in their finances that would otherwise occur. After that, she realizes they need to figure out something else to cover the financial gap.</p>\n<p>The Bonds are carrying a sizeable debt load from their mortgage, a vehicle loan, a student loan and credit card debt, with minimum payments totalling about $37,000 a year. They’ve already pared their discretionary expenses about as far as they can, so they realize they need to find some combination of more income or cheaper daycare costs.</p>\n<p>While turning things around won’t be easy, they have lots going for them. Noel, who is 40, has a promising railway career, and hopes at some point to move up from conductor to a better-paying position as a locomotive engineer. Requirements for parental care or paid daycare will gradually diminish as the kids reach school age.</p>\n<p>Julie has strong job credentials including a Master’s degree and 10 years’ experience in teaching english as a second language (TESL). Her half-time position (four partial days a week with a school board in the Lower Mainland area outside Vancouver) doesn’t pay enough to cover daycare for three children, but she is still hoping to find a full-time teaching job with a daycare-friendly nine-to-four schedule. (The TESL norm is contract or part-time work with irregular hours, including evenings. Noel works rotating shifts and can’t commit to parental child care at set times.)</p>\n<p>If she isn’t able to find that kind of position, she has a fallback plan until her children reach school age. She estimates she can roughly cover the shortfall by providing paid before- and after-school child care in her home while also looking after her own kids. While she might want to return to teaching one day, she realizes she needs to do what’s necessary to make ends meet. “Being home with young kids and providing child care is just one chapter in my life and there are many more chapters yet to be written,” she says.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/retirement-planning-during-the-crunch-years/\">Surviving the crunch</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Surviving the crunch','<p>One of the toughest stretches to get through in any retirement plan involves facing the two biggest financial burdens&mdash;family costs and a mortgage&mdash;at the same time</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/retirement-planning-during-the-crunch-years/\">Surviving the crunch</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 11:43:37','2016-04-20 15:43:37','',0,'http://www.moneysense.ca/?p=150238',0,'post','',0),(9757,1,'2016-04-20 11:43:37','2016-04-20 15:43:37','<p><img class=\"alignnone wp-image-153238 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch.jpg\" alt=\"Retirement planning - Surviving the crunch\" width=\"800\" height=\"1000\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch-240x300.jpg 240w, http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch-768x960.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch-528x660.jpg 528w, http://www.moneysense.ca/wp-content/uploads/2016/04/Retirement-Surviving-the-crunch.jpg 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" />Julie and Noel Bond seemed well on their way to realizing the Canadian dream when they moved east of Vancouver to the small community of Mission in 2014 so they could afford a three-bedroom house for their growing family. They now have two pre-school children and are expecting a baby in March.</p>\n<p>While Julie plans to stay home to look after the kids for a year after the baby’s birth, the couple face a tricky financial dilemma over what to do after that. For Julie to return to her part-time $30,000-a-year teaching job would be pointless because her entire paycheque would be eaten up by child-care costs. But the $80,000 a year Noel earns as a railway worker isn’t enough by itself to cover the mortgage and other expenses if Julie stays home to look after the kids. Whether Julie, who is 36, returns to her old job or stays home, they expect ongoing expenses to exceed take-home pay by about $1,000 a month. That leaves Julie looking for solutions and wondering, “What will my family do?”</p>\n<h3>Caught in the crunch</h3>\n<p>The Bonds are in the midst of what many Canadians find to be the most challenging interval on the entire road to retirement, a period sometimes referred to as the “crunch” years. You may experience its bite after buying a house and starting a family, when you shoulder the dual burden of a huge mortgage and expensive child care costs. While the crunch has been a fact of financial life for decades, it has bitten deeper in recent years as house prices have continued to escalate in major cities like Toronto and Vancouver. In what follows, we’ll describe the crunch and what you need to do to get through it. We’ll also show you what help government provides and compare it to benefits for seniors, while raising the challenging question of whether more should be done.</p>\n<p>Driving the crunch these days is the fact that soaring house prices have changed the fortunes of older and younger Canadians in a very different fashion. They have enriched the net worth and eased the path to retirement for those old enough to have bought homes before much of the run-up, while burdening younger Canadians who are new to the housing market. “Housing has become a generational tipping point in Canada these days,” says Paul Kershaw, executive chair of the Association for Generational Equity (AGE), an advocacy group for Canadians in their 20s, 30s and 40s. “The squeeze is so significant that it is transforming expectations with respect to home ownership, even for talented, successful, well-educated young people,” says Kershaw.</p>\n<p>It’s not just advocates from a younger generation who think so. “I think they have a real point,” says Malcolm Hamilton, a retired actuary and fellow with the C.D. Howe Institute, and one of Canada’s foremost retirement experts. “In what kind of country can a couple (like the Bonds) with $110,000 in income not be able to afford to have a house and two children? And yet there are parts of Canada where that’s a real challenge,” he says. “We’re very miserly in our support for poor struggling young people. Yet we treat seniors much, much better and have for decades.”</p>\n<p>When it comes to the crunch, we need to rethink what “high income” means. While couples with low or average incomes and children may be priced out of a house purchase altogether in the more expensive housing markets, even couples like the Bonds with incomes over $100,000 can struggle. “They’re more or less viewed as privileged people who can afford mortgages and children,” says Hamilton. But despite high gross incomes, what’s often left over after paying the mortgage, debts, child-care costs, income taxes and other costs is liable to leave them in difficulty trying to make ends meet. “Even with incomes of between $100,000 and $150,000 in Toronto or Vancouver, you’d better think it through because housing is expensive, the payments are going to be large and daycare is expensive, too.”</p>\n<h3>Avoiding a pitfall</h3>\n<p>When applying for a mortgage, it’s surprisingly easy to take on more than you can afford if you also have kids soon after. That’s because financial institutions generally base their test of income sufficiency on two ratios (known as the “gross debt service” ratio and the “total debt service” ratio) that don’t take into account child-care costs. That means if you take the biggest mortgage the bank will give you and you don’t have kids, your finances will probably feel tight but okay. But then if you have a couple of kids and start paying hefty daycare costs (or drop one of the incomes), that can easily put you over the edge of what you can afford. “They aren’t a good limit for people who are going to have children,” says Hamilton.</p>\n<p>The result is a potential financial trap for the unwary. To show what can happen, we’ve created a budget for a fictional couple we’ll call Amy and Tyler Spencer. We enlisted <img class=\"alignright wp-image-153190 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-04-20-at-9.49.20-AM.png\" alt=\"Retirement planning How a family budget can get crunched\" width=\"301\" height=\"790\" />the help of chartered professional accountant Ali Jaffer and staff at AR Jaffer Professional Corporation to calculate taxes and benefits for 2015. The Spencers live in Toronto and earn a little bit more than the real-life Bonds. They have combined salaries of $120,000 (one spouse earns $80,000 and the other earns $40,000). They have taken on as big a mortgage as their financial institution will allow in order to buy the best house they can for their kids. They have two preschool-aged children in private daycare and pay $26,000 a year in fees, a typical amount in Toronto these days. We put together a fairly bare-bones budget for them and found they ended up with a shortfall of more than $10,000 a year.</p>\n<p>That means you have to plan for the crunch years at the start. “You have to think through at the point you buy the house, how many children are you going to have, and how you are going to care for those children until they go to school, and how much is it going to cost?” says Hamilton. “If you wait until later to figure it out, you may have painted yourself into a corner.”</p>\n<h3>Getting breaks and benefits</h3>\n<p>To be sure, the government provides a number of benefit programs or tax breaks for families with children. While these programs certainly help to a significant degree, they give the impression that governments are doing more than they really are. “I would describe them as boutique programs designed to get headlines, not actually make excellent public policy,” says Kershaw. To show this impact, we calculated the family benefits and tax breaks that the Spencers would receive as well as the overall taxes they pay, also with the help of Jaffer.</p>\n<p>The Spencers received three specific tax breaks worth $6,188 and money from two family benefit programs worth $4,410 before taxes. While that helps, it’s a lot less than the $26,000 they spent on daycare. Despite the tax breaks, their overall income tax bill net of benefits was just under $15,000. While the Spencers are struggling with heavy mortgage and daycare costs, their relatively high income makes them a magnet for high income taxes. “Government confuses large income with high standard of living,” observes Hamilton.</p>\n<p><a href=\"http://www.moneysense.ca/?p=153188\">Seniors get all the tax breaks? » </a></p>\n<h3>Surviving the crunch</h3>\n<p>To get through the crunch, initially you need to focus on just keeping your financial head above water and then pay off debts when you can. Usually financial conditions gradually get better on their own accord. Salaries generally go up at least by inflation and you may get promotional increases on top of that. Mortgage payments generally stay flat. Gradually your mortgage payments build home equity at a compounding rate. Child-care costs decline as your children reach school age and eventually will end completely when they get older.</p>\n<p>“The priority is get out of debt as quickly as you reasonably can,” advises Hamilton. “If you have more than one debt, try to have it in the place where the interest rate is lowest.” Few people at this stage can save for retirement, but that’s okay, despite lots of hectoring to the contrary from the financial industry. After you get through the crunch years, you’ll have to make saving a priority, Hamilton says.</p>\n<h3>The Bonds persevere</h3>\n<p>Meanwhile Julie and Noel Bond are looking forward to welcoming a new baby into their young family, which also includes Jaya, 4, and Zackary, 2. Julie, who is 36, plans to stay home to look after the kids during the new baby’s first year and she expects that Employment Insurance Maternity and Parental Benefits should roughly cover the shortfall in their finances that would otherwise occur. After that, she realizes they need to figure out something else to cover the financial gap.</p>\n<p>The Bonds are carrying a sizeable debt load from their mortgage, a vehicle loan, a student loan and credit card debt, with minimum payments totalling about $37,000 a year. They’ve already pared their discretionary expenses about as far as they can, so they realize they need to find some combination of more income or cheaper daycare costs.</p>\n<p>While turning things around won’t be easy, they have lots going for them. Noel, who is 40, has a promising railway career, and hopes at some point to move up from conductor to a better-paying position as a locomotive engineer. Requirements for parental care or paid daycare will gradually diminish as the kids reach school age.</p>\n<p>Julie has strong job credentials including a Master’s degree and 10 years’ experience in teaching english as a second language (TESL). Her half-time position (four partial days a week with a school board in the Lower Mainland area outside Vancouver) doesn’t pay enough to cover daycare for three children, but she is still hoping to find a full-time teaching job with a daycare-friendly nine-to-four schedule. (The TESL norm is contract or part-time work with irregular hours, including evenings. Noel works rotating shifts and can’t commit to parental child care at set times.)</p>\n<p>If she isn’t able to find that kind of position, she has a fallback plan until her children reach school age. She estimates she can roughly cover the shortfall by providing paid before- and after-school child care in her home while also looking after her own kids. While she might want to return to teaching one day, she realizes she needs to do what’s necessary to make ends meet. “Being home with young kids and providing child care is just one chapter in my life and there are many more chapters yet to be written,” she says.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/retirement-planning-during-the-crunch-years/\">Surviving the crunch</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Surviving the crunch','<p>One of the toughest stretches to get through in any retirement plan involves facing the two biggest financial burdens&mdash;family costs and a mortgage&mdash;at the same time</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/retirement-planning-during-the-crunch-years/\">Surviving the crunch</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9756-revision-v1','','','2016-04-20 11:43:37','2016-04-20 15:43:37','',9756,'http://feedwordpress.radgeek.com/?rev=fdbf92ae1d86290b3d5657bae0721049',0,'revision','',0),(9758,1,'2016-04-20 11:43:35','2016-04-20 15:43:35','<p>Governments do more for older people. While it’s important to note that some seniors struggle as well, it is also true that governments make it easier for middle-class retired seniors with decent finances to live comfortably. To assess this, we calculated the seniors benefits and taxes for a fictional 67-year-old Ontario couple we’ll call John and Judy Connelly. Although their combined $66,000 income is less than the Spencers, their expenses are a lot lower as well because their home is paid for, their children are self-sufficient, and they no longer have work-related costs. With less income, they also pay less income tax. Chances are they have more disposable income on hand than the Spencers to spend on their lifestyle (or put to other good uses, such as helping their children).</p>\n<p>Their benefits and taxes put them ahead by about $9,000–almost $24,000 better <a href=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-04-20-at-9.49.20-AM.png\" >than for the Spencers</a>. “The government is much kinder to us,” says Malcolm Hamilton, both a retirement expert and a retiree himself. “We’ve got relatively low expenses so we don’t need a big income and have lower taxes.”</p>\n<p>Providing more help for daycare costs would be a good place for government to start. Paul Kershaw, executive chair of the Association for Generational Equity would like to see universal daycare support at $10 per child per day. Others would prefer seeing more money or bigger tax credits go directly to families instead.</p>\n<p>Kershaw stresses that his group doesn’t advocate taking money away from seniors to pay for more child and family programs. In the past, social programs were expanded and financed relatively painlessly by diverting some of society’s growing wealth, but with a slow-growth economy, that is trickier these days. As well, an aging population is making it more difficult to continue to fund existing social programs and entitlements to their historical levels, so it’s unlikely that a lot of new money can be found without taking it from someone else.</p>\n<p><a href=\"http://www.moneysense.ca/?p=150238\">Surviving the crunch » </a></p>\n<p><img class=\"size-full wp-image-149518 alignleft\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795.png\" alt=\"What benefits and breaks do you get - David Aston\" width=\"799\" height=\"1689\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795-142x300.png 142w, http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795-768x1623.png 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795-484x1024.png 484w, http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795-312x660.png 312w, http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795.png 799w\" sizes=\"(max-width: 799px) 100vw, 799px\" /></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/retirement/seniors-get-all-the-tax-breaks/\">Seniors get all the tax breaks?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Seniors get all the tax breaks?','<p>We calculated the benefits and taxes for a fictional 67-year-old couple</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/retirement/seniors-get-all-the-tax-breaks/\">Seniors get all the tax breaks?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 11:43:35','2016-04-20 15:43:35','',0,'http://www.moneysense.ca/?p=153188',0,'post','',0),(9759,1,'2016-04-20 11:43:35','2016-04-20 15:43:35','<p>Governments do more for older people. While it’s important to note that some seniors struggle as well, it is also true that governments make it easier for middle-class retired seniors with decent finances to live comfortably. To assess this, we calculated the seniors benefits and taxes for a fictional 67-year-old Ontario couple we’ll call John and Judy Connelly. Although their combined $66,000 income is less than the Spencers, their expenses are a lot lower as well because their home is paid for, their children are self-sufficient, and they no longer have work-related costs. With less income, they also pay less income tax. Chances are they have more disposable income on hand than the Spencers to spend on their lifestyle (or put to other good uses, such as helping their children).</p>\n<p>Their benefits and taxes put them ahead by about $9,000–almost $24,000 better <a href=\"http://www.moneysense.ca/wp-content/uploads/2016/03/Screen-Shot-2016-04-20-at-9.49.20-AM.png\" >than for the Spencers</a>. “The government is much kinder to us,” says Malcolm Hamilton, both a retirement expert and a retiree himself. “We’ve got relatively low expenses so we don’t need a big income and have lower taxes.”</p>\n<p>Providing more help for daycare costs would be a good place for government to start. Paul Kershaw, executive chair of the Association for Generational Equity would like to see universal daycare support at $10 per child per day. Others would prefer seeing more money or bigger tax credits go directly to families instead.</p>\n<p>Kershaw stresses that his group doesn’t advocate taking money away from seniors to pay for more child and family programs. In the past, social programs were expanded and financed relatively painlessly by diverting some of society’s growing wealth, but with a slow-growth economy, that is trickier these days. As well, an aging population is making it more difficult to continue to fund existing social programs and entitlements to their historical levels, so it’s unlikely that a lot of new money can be found without taking it from someone else.</p>\n<p><a href=\"http://www.moneysense.ca/?p=150238\">Surviving the crunch » </a></p>\n<p><img class=\"size-full wp-image-149518 alignleft\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795.png\" alt=\"What benefits and breaks do you get - David Aston\" width=\"799\" height=\"1689\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795-142x300.png 142w, http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795-768x1623.png 768w, http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795-484x1024.png 484w, http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795-312x660.png 312w, http://www.moneysense.ca/wp-content/uploads/2016/03/What-benefits-and-breaks-do-you-get-David-Aston--e1457543602795.png 799w\" sizes=\"(max-width: 799px) 100vw, 799px\" /></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/retirement/seniors-get-all-the-tax-breaks/\">Seniors get all the tax breaks?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Seniors get all the tax breaks?','<p>We calculated the benefits and taxes for a fictional 67-year-old couple</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/retirement/seniors-get-all-the-tax-breaks/\">Seniors get all the tax breaks?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9758-revision-v1','','','2016-04-20 11:43:35','2016-04-20 15:43:35','',9758,'http://feedwordpress.radgeek.com/?rev=a1c8f7bda9afea95bf02fb106d9f3076',0,'revision','',0),(9760,1,'2016-04-20 11:00:25','2016-04-20 15:00:25','<p>Investment newsletters have been around for decades, but do they actually deliver hot stock picks? According to Mark Hulbert, who tracks newsletter performance in <em>The Hulbert Financial Digest</em>, more than 80% of them fail to beat the index over the long term—but some do consistently outperform. Hulbert’s data to the right shows which North American newsletters have netted the best returns in the last 10 years. His top pick: the <em>Linde Equity Report</em>, which features one stock recommendation per month and has a 14.2% annualized return over that time frame. Sometimes, less really is more.</p>\n<p><img class=\"aligncenter wp-image-153230 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Screen-shot-2016-04-20-at-10.56.18-AM.png\" alt=\"Investment newsletters that really pay off \" width=\"762\" height=\"683\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Screen-shot-2016-04-20-at-10.56.18-AM-300x269.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/Screen-shot-2016-04-20-at-10.56.18-AM-660x592.png 660w, http://www.moneysense.ca/wp-content/uploads/2016/04/Screen-shot-2016-04-20-at-10.56.18-AM.png 762w\" sizes=\"(max-width: 762px) 100vw, 762px\" /></p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/stocks/investment-newsletters-that-really-pay-off/\">Investment newsletters that really pay off</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Investment newsletters that really pay off','<p>Here\'s the top pick of the last 10 years</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/stocks/investment-newsletters-that-really-pay-off/\">Investment newsletters that really pay off</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 11:00:25','2016-04-20 15:00:25','',0,'http://www.moneysense.ca/?p=150272',0,'post','',0),(9761,1,'2016-04-20 11:00:25','2016-04-20 15:00:25','<p>Investment newsletters have been around for decades, but do they actually deliver hot stock picks? According to Mark Hulbert, who tracks newsletter performance in <em>The Hulbert Financial Digest</em>, more than 80% of them fail to beat the index over the long term—but some do consistently outperform. Hulbert’s data to the right shows which North American newsletters have netted the best returns in the last 10 years. His top pick: the <em>Linde Equity Report</em>, which features one stock recommendation per month and has a 14.2% annualized return over that time frame. Sometimes, less really is more.</p>\n<p><img class=\"aligncenter wp-image-153230 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Screen-shot-2016-04-20-at-10.56.18-AM.png\" alt=\"Investment newsletters that really pay off \" width=\"762\" height=\"683\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Screen-shot-2016-04-20-at-10.56.18-AM-300x269.png 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/Screen-shot-2016-04-20-at-10.56.18-AM-660x592.png 660w, http://www.moneysense.ca/wp-content/uploads/2016/04/Screen-shot-2016-04-20-at-10.56.18-AM.png 762w\" sizes=\"(max-width: 762px) 100vw, 762px\" /></p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/stocks/investment-newsletters-that-really-pay-off/\">Investment newsletters that really pay off</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Investment newsletters that really pay off','<p>Here\'s the top pick of the last 10 years</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/stocks/investment-newsletters-that-really-pay-off/\">Investment newsletters that really pay off</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9760-revision-v1','','','2016-04-20 11:00:25','2016-04-20 15:00:25','',9760,'http://feedwordpress.radgeek.com/?rev=99aa8821dd8ffe6339d24049adaa6f41',0,'revision','',0),(9762,1,'2016-04-20 09:01:38','2016-04-20 13:01:38','<p>Do you plan on redecorating your bedroom but have a small budget? A New York home design expert offers tips and tricks for creating a dramatic transformation in your bedroom using only a $300 decorating budget.</p>\n<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT4M\" />\n        <meta itemprop=\"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=\"myExperience4596389599001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"4596389599001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\" />\n        <param name=\"autoStart\" value=\"false\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n</div>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\" >Ask Home Owner columnist Romana King your real estate question »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How to stage a bedroom on a $300 budget','<p>Add drama and style to your bedroom with these tips from a New York designer</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/home-decor/how-to-stage-a-bedroom-on-a-300-budget/\">How to stage a bedroom on a $300 budget</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9738-revision-v1','','','2016-04-20 09:01:38','2016-04-20 13:01:38','',9738,'http://feedwordpress.radgeek.com/?rev=147b6eede304aa72b28a9b54c0f9d9fe',0,'revision','',0),(9763,1,'2016-04-19 16:39:47','2016-04-19 20:39:47','<p>The premises of most home reno shows sound too good to be true: With a non-existent budget and a totally unrealistic deadline, a team of sassy experts will swoop in to give your home the makeover of its dreams. Now, an American couple is suing the Canadian producers of HGTV&#8217;s <em>Love it or List it, </em>for allegedly causing damage to their home and doing a generally shoddy job, <a href=\"http://www.cbc.ca/news/arts/hgtv-home-reno-lawsuit-1.3542828\" >reports the Associated Press</a>.</p>\n<p>If you&#8217;ve ever been doubtful of the quality of workmanship on these shows, this won&#8217;t change your mind.</p>\n<p>According to the lawsuit, the home reno recipients, North Carolina couple Deena Murphy and Timothy Sullivan, allege that the contractor who worked on their remodel left their floors &#8220;irreparably damaged&#8221; and created holes during duct work that were apparently large enough for vermin to crawl right through. They also say that the show didn&#8217;t use licensed architects to draw up plans.</p>\n<p>When they signed up to be featured on <em>Love it or List it </em>the couple paid a US$140,000 deposit to the producers on the renovation. The producers ponied up US$85,786.50 to the contractor who allegedly fudged things up.</p>\n<p>It&#8217;s pretty likely the experience has left Deena and Timothy disillusioned with the lights, camera and wrecking-ball-action of home reno TV shows, but if anything, it&#8217;s a learning experience. Here are three things you should remember about renovations, televised or not.</p>\n<h3>You can&#8217;t afford to be passive</h3>\n<p>Home renovation TV hosts are full of bravado and showmanship. They&#8217;re entertainers after all. You often see hosts and designers dominate the entire process, leaving home owners with maybe a small handful of chances to provide their input. Whether on TV or in real life, it&#8217;s important to keep an eye on your contractor and to speak up if you object. <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-find-a-reputable-contractor/\">Here&#8217;s how to find a reputable contractor</a>.</p>\n<h3>Properly planned renovations are boring</h3>\n<p>The truth is, you don&#8217;t want to encounter surprises during your remodel. Dramatic reno fails are <a href=\"http://www.moneysense.ca/spend/real-estate/buying/masters-of-house-flipping-kortney-and-dave-wilson/\">fun to watch on TV</a> but not nearly as amusing when they&#8217;re actually happening to you. So, put in the time to find the right contractor to <a href=\"http://www.moneysense.ca/spend/real-estate/renovations/how-to-avoid-a-home-renovation-nightmare/\">reduce the chance of being surprised with an issue</a>. A contractor who thinks ahead can usually avoid all the drama and get the job done for you with minimal stress. Deena and Thomas apparently voiced their concerns about their contractor before he was hired (the couple claim he wasn&#8217;t their first choice due to his below-average reviews online), but for reasons that are unclear, the producers still went with him.</p>\n<h3>Renovations take a long time</h3>\n<p>A lot of the times, the big reveal tells half the story. While that whirlwind bedroom makeover may seem perfect, and the homeowners impressed, more often than not, TV renos are only 80% done. Don&#8217;t get pulled under by the <a href=\"http://www.moneysense.ca/spend/real-estate/buying/reno-shows-having-profound-impact-on-buyers/\" >HGTV effect</a>!</p>\n<p>Learn more on the truth about home renovation TV shows <a href=\"http://www.moneysense.ca/spend/real-estate/home-renovation-reality-check/\" >here</a>.</p>\n<h4><strong>Watch: Kitchen makeover tips</strong></h4>\n\n        <meta itemprop=\"duration\" content=\"PT1M11S\" />\n        <meta itemprop=\"thumbnailUrl\" content=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Love-it-or-list-it_401-150x150.png\" />\n        <meta itemprop=\"name\" content=\"&amp;#8216;Love it or List it&amp;#8217; sued over shoddy renovation\" />\n        <meta itemprop=\"description\" content=\"Plus, 3 things you should know about TV reno shows\" />\n        <meta itemprop=\"uploadDate\" content=\"2016-04-19T16:39:47+00:00\" />\n    \n    <div style=\"display: none;\"></div>\n\n    <script type=\"text/javascript\" 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              <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/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\" />\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/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">&#8216;Love it or List it&#8217; sued over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','‘Love it or List it’ sued over shoddy renovation','<p>Plus, 3 things you should know about TV reno shows</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/renovations/love-it-or-list-it-faces-lawsuit-over-shoddy-renovation/\">&lsquo;Love it or List it&rsquo; sued over shoddy renovation</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9566-revision-v1','','','2016-04-19 16:39:47','2016-04-19 20:39:47','',9566,'http://feedwordpress.radgeek.com/?rev=d42a746be89a83eb71532961ec7bef56',0,'revision','',0),(9764,1,'2011-11-23 08:23:40','2011-11-23 08:23:40','2008 NISSAN GTR review\r\nfrom www.motormouth.ca','2008 NISSAN GTR review','','publish','open','open','','2008-nissan-gtr-review','','','2011-11-23 08:23:40','2011-11-23 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src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260043286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">Listen: How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: How to hunt for hidden savings','<p>Cut down on the fees you pay&mdash;it\'s hard work but worth it</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">Listen: How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 13:19:52','2016-04-20 17:19:52','',0,'http://www.moneysense.ca/?p=153312',0,'post','',0),(9774,1,'2016-04-20 13:19:52','2016-04-20 17:19:52','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260043286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">Listen: How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: How to hunt for hidden savings','<p>Cut down on the fees you pay&mdash;it\'s hard work but worth it</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">Listen: How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 13:19:52','2016-04-20 17:19:52','',0,'http://www.moneysense.ca/?p=153312',0,'post','',0),(9775,1,'2016-04-20 13:19:52','2016-04-20 17:19:52','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260043286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">Listen: How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: How to hunt for hidden savings','<p>Cut down on the fees you pay&mdash;it\'s hard work but worth it</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">Listen: How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9773-revision-v1','','','2016-04-20 13:19:52','2016-04-20 17:19:52','',9773,'http://feedwordpress.radgeek.com/?rev=6848d836590c6e293f582f7e0ddcfcd8',0,'revision','',0),(9776,1,'2016-04-20 13:19:52','2016-04-20 17:19:52','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260043286&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">Listen: How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: How to hunt for hidden savings','<p>Cut down on the fees you pay&mdash;it\'s hard work but worth it</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-how-to-hunt-for-hidden-savings/\">Listen: How to hunt for hidden savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9774-revision-v1','','','2016-04-20 13:19:52','2016-04-20 17:19:52','',9774,'http://feedwordpress.radgeek.com/?rev=6848d836590c6e293f582f7e0ddcfcd8',0,'revision','',0),(9777,1,'2016-04-20 13:00:24','2016-04-20 17:00:24','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260039910&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-take-the-first-step-to-saving-money/\">Listen: Take the first step to saving money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: Take the first step to saving money','<p>Start tracking your spending! Here\'s how</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-take-the-first-step-to-saving-money/\">Listen: Take the first step to saving money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 13:00:24','2016-04-20 17:00:24','',0,'http://www.moneysense.ca/?p=153298',0,'post','',0),(9778,1,'2016-04-20 13:00:24','2016-04-20 17:00:24','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260039910&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-take-the-first-step-to-saving-money/\">Listen: Take the first step to saving money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: Take the first step to saving money','<p>Start tracking your spending! Here\'s how</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-take-the-first-step-to-saving-money/\">Listen: Take the first step to saving money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 13:00:24','2016-04-20 17:00:24','',0,'http://www.moneysense.ca/?p=153298',0,'post','',0),(9779,1,'2016-04-20 13:00:24','2016-04-20 17:00:24','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260039910&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-take-the-first-step-to-saving-money/\">Listen: Take the first step to saving money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: Take the first step to saving money','<p>Start tracking your spending! Here\'s how</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-take-the-first-step-to-saving-money/\">Listen: Take the first step to saving money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9778-revision-v1','','','2016-04-20 13:00:24','2016-04-20 17:00:24','',9778,'http://feedwordpress.radgeek.com/?rev=6c8a662a571ea3375bcb08f3dd58d2ba',0,'revision','',0),(9780,1,'2016-04-20 13:00:24','2016-04-20 17:00:24','<p><iframe width=\"100%\" height=\"166\" scrolling=\"no\" frameborder=\"no\" src=\"https://w.soundcloud.com/player/?url=https%3A//api.soundcloud.com/tracks/260039910&amp;color=ff5500&amp;auto_play=false&amp;hide_related=false&amp;show_comments=true&amp;show_user=true&amp;show_reposts=false\"></iframe></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-take-the-first-step-to-saving-money/\">Listen: Take the first step to saving money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Listen: Take the first step to saving money','<p>Start tracking your spending! Here\'s how</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/budgeting/listen-take-the-first-step-to-saving-money/\">Listen: Take the first step to saving money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9777-revision-v1','','','2016-04-20 13:00:24','2016-04-20 17:00:24','',9777,'http://feedwordpress.radgeek.com/?rev=6c8a662a571ea3375bcb08f3dd58d2ba',0,'revision','',0),(9781,1,'2016-04-20 12:40:29','2016-04-20 16:40:29','<div id=\"attachment_153292\" style=\"width: 810px\" class=\"wp-caption alignnone\"><img class=\"size-full wp-image-153292\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides.jpg\" alt=\"(Cultura RM Exclusive/Matt Dutile/Getty Images)\" width=\"800\" height=\"500\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-300x188.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-768x480.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-660x413.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides.jpg 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" /><p class=\"wp-caption-text\">(Cultura RM Exclusive/Matt Dutile/Getty Images)</p></div>\n<p>The first time I travelled to Europe I joined a tour, which was easily one of my worst travel experiences ever. The guide was excellent, but it was the set schedule that sucked; there was limited time to explore things on our own and going off the beaten path was not an option.</p>\n<p>In hindsight it was my own fault for not doing my own research. I chose a coach tour where the average size was 40 and they weren’t exactly aiming for the mid 20’s demographic. After that experience I swore off organized tours for quite a few years, but does that mean tour guides have become a thing of the past?</p>\n<p>Absolutely not! When I travelled to the Middle East, I decided to book a tour through Intrepid Travel which ended up being one of the best trips I’ve ever taken. In certain situations hiring a professional guide or joining a tour are totally worth it since they can save you time and money.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/let-a-city-local-be-your-travel-guide/\">Let a city local be your travel guide » </a></p>\n<h2>When to use a tour guide</h2>\n<p><strong>When you have limited time</strong> – We don’t always have the luxury of exploring new locations for an extended period of time so hiring a guide in these situations can be extremely beneficial. Before you depart hire a guide who can meet you in a convenient location when you arrive so you can maximize your time.</p>\n<p><strong>Historical sites</strong> – There’s so much history all around the world that you may want to hire an expert to give you the rundown of the site you’ve travelling to. The Pyramids of Giza, the Vatican Museums, and Jerusalem are all places where having a knowledgeable guide is invaluable. Keep in mind that in many places if you’ve hired a guide, you can skip the lines which will give you more time to explore the sites.</p>\n<p><strong>Adventure travel</strong> – Adventure travel can mean anything to anyone, but if you’re looking for a different experience, or you’re travelling to an area where safety is a concern then having a guide will give you piece of mind. Many adventure travel companies do small groups only and use local guides so right away you’re getting a different experience.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/the-top-adventure-tour-companie/\">The top adventure tour companies » </a></p>\n<p><strong>Cruise ports</strong> – Cruises are appealing since you get to see quite a few different locations while enjoying the amenities of a big ship. The problem is that port stops tend to give you limited time and often where you dock may be far from the city. Hiring a local guide who specializes in cruise stops are good way to save money compared to the official guides that your cruise lines recommends. The locals know exactly what time you need to be back so there should be no worries about missing your deadlines.</p>\n<p><strong>When language is an issue</strong> – Although communicating around the world is not as big of an obstacle these days with data plans and sign language, many travellers still prefer the company of a guide who can help translate. These guides are extremely helpful when visiting sites where English is very limited and there are no other translations available.</p>\n<p><strong>When transportation is limited</strong> – There’s plenty of sites near major cities worth visiting but often getting to them can be a serious issue. Hiring a private driver / guide will take all the hassle out of planning your transportation routes. Even if they can’t give you detailed descriptions of what you’re seeing, they’ll probably know of attractions worth seeing that you’ve never even heard of.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/food-glorious-food-tours/\">Ever been on a food tour? » </a></p>\n<p><strong>Final word</strong></p>\n<p>With so many tours out there it may seem impossible to figure out which one to go with, but it’s incredible easy these days. Try <a href=\"http://www.tourradar.com/\" >TourRadar</a>, a site that makes booking tours easy. With all their different filter options, you can easily narrow down which tour is best suited for you.</p>\n<p class=\"p1\"><em><span class=\"s1\">Barry Choi is a personal finance and budget travel expert at Moneywehave.com.  He has been quoted by media in Canada and the United States including The Financial Post, The Toronto Star, Business Insider, The Globe and Mail, and has appeared on HuffPost Live. You can follow him on Twitter: <a href=\"https://twitter.com/barrychoi\"><span class=\"s3\">@barrychoi</span></a> </span></em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/when-a-tour-guide-is-worth-it/\">When a tour guide is worth it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','When a tour guide is worth it','<p>Not sure if you should go with a tour guide? It depends on your situation </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/when-a-tour-guide-is-worth-it/\">When a tour guide is worth it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 12:40:29','2016-04-20 16:40:29','',0,'http://www.moneysense.ca/?p=153282',0,'post','',0),(9782,1,'2016-04-20 12:40:29','2016-04-20 16:40:29','<div id=\"attachment_153292\" style=\"width: 810px\" class=\"wp-caption alignnone\"><img class=\"size-full wp-image-153292\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides.jpg\" alt=\"(Cultura RM Exclusive/Matt Dutile/Getty Images)\" width=\"800\" height=\"500\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-300x188.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-768x480.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-660x413.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides.jpg 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" /><p class=\"wp-caption-text\">(Cultura RM Exclusive/Matt Dutile/Getty Images)</p></div>\n<p>The first time I travelled to Europe I joined a tour, which was easily one of my worst travel experiences ever. The guide was excellent, but it was the set schedule that sucked; there was limited time to explore things on our own and going off the beaten path was not an option.</p>\n<p>In hindsight it was my own fault for not doing my own research. I chose a coach tour where the average size was 40 and they weren’t exactly aiming for the mid 20’s demographic. After that experience I swore off organized tours for quite a few years, but does that mean tour guides have become a thing of the past?</p>\n<p>Absolutely not! When I travelled to the Middle East, I decided to book a tour through Intrepid Travel which ended up being one of the best trips I’ve ever taken. In certain situations hiring a professional guide or joining a tour are totally worth it since they can save you time and money.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/let-a-city-local-be-your-travel-guide/\">Let a city local be your travel guide » </a></p>\n<h2>When to use a tour guide</h2>\n<p><strong>When you have limited time</strong> – We don’t always have the luxury of exploring new locations for an extended period of time so hiring a guide in these situations can be extremely beneficial. Before you depart hire a guide who can meet you in a convenient location when you arrive so you can maximize your time.</p>\n<p><strong>Historical sites</strong> – There’s so much history all around the world that you may want to hire an expert to give you the rundown of the site you’ve travelling to. The Pyramids of Giza, the Vatican Museums, and Jerusalem are all places where having a knowledgeable guide is invaluable. Keep in mind that in many places if you’ve hired a guide, you can skip the lines which will give you more time to explore the sites.</p>\n<p><strong>Adventure travel</strong> – Adventure travel can mean anything to anyone, but if you’re looking for a different experience, or you’re travelling to an area where safety is a concern then having a guide will give you piece of mind. Many adventure travel companies do small groups only and use local guides so right away you’re getting a different experience.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/the-top-adventure-tour-companie/\">The top adventure tour companies » </a></p>\n<p><strong>Cruise ports</strong> – Cruises are appealing since you get to see quite a few different locations while enjoying the amenities of a big ship. The problem is that port stops tend to give you limited time and often where you dock may be far from the city. Hiring a local guide who specializes in cruise stops are good way to save money compared to the official guides that your cruise lines recommends. The locals know exactly what time you need to be back so there should be no worries about missing your deadlines.</p>\n<p><strong>When language is an issue</strong> – Although communicating around the world is not as big of an obstacle these days with data plans and sign language, many travellers still prefer the company of a guide who can help translate. These guides are extremely helpful when visiting sites where English is very limited and there are no other translations available.</p>\n<p><strong>When transportation is limited</strong> – There’s plenty of sites near major cities worth visiting but often getting to them can be a serious issue. Hiring a private driver / guide will take all the hassle out of planning your transportation routes. Even if they can’t give you detailed descriptions of what you’re seeing, they’ll probably know of attractions worth seeing that you’ve never even heard of.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/food-glorious-food-tours/\">Ever been on a food tour? » </a></p>\n<p><strong>Final word</strong></p>\n<p>With so many tours out there it may seem impossible to figure out which one to go with, but it’s incredible easy these days. Try <a href=\"http://www.tourradar.com/\" >TourRadar</a>, a site that makes booking tours easy. With all their different filter options, you can easily narrow down which tour is best suited for you.</p>\n<p class=\"p1\"><em><span class=\"s1\">Barry Choi is a personal finance and budget travel expert at Moneywehave.com.  He has been quoted by media in Canada and the United States including The Financial Post, The Toronto Star, Business Insider, The Globe and Mail, and has appeared on HuffPost Live. You can follow him on Twitter: <a href=\"https://twitter.com/barrychoi\"><span class=\"s3\">@barrychoi</span></a> </span></em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/when-a-tour-guide-is-worth-it/\">When a tour guide is worth it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','When a tour guide is worth it','<p>Not sure if you should go with a tour guide? It depends on your situation </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/when-a-tour-guide-is-worth-it/\">When a tour guide is worth it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','9781-revision-v1','','','2016-04-20 12:40:29','2016-04-20 16:40:29','',9781,'http://feedwordpress.radgeek.com/?rev=5ee9cf1034095fc99c7098fa4ed0ba4f',0,'revision','',0),(9783,1,'2016-04-20 12:40:29','2016-04-20 16:40:29','<div id=\"attachment_153292\" style=\"width: 810px\" class=\"wp-caption alignnone\"><img class=\"size-full wp-image-153292\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides.jpg\" alt=\"(Cultura RM Exclusive/Matt Dutile/Getty Images)\" width=\"800\" height=\"500\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-300x188.jpg 300w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-768x480.jpg 768w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides-660x413.jpg 660w, http://www.moneysense.ca/wp-content/uploads/2016/04/Tour-Guides.jpg 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" /><p class=\"wp-caption-text\">(Cultura RM Exclusive/Matt Dutile/Getty Images)</p></div>\n<p>The first time I travelled to Europe I joined a tour, which was easily one of my worst travel experiences ever. The guide was excellent, but it was the set schedule that sucked; there was limited time to explore things on our own and going off the beaten path was not an option.</p>\n<p>In hindsight it was my own fault for not doing my own research. I chose a coach tour where the average size was 40 and they weren’t exactly aiming for the mid 20’s demographic. After that experience I swore off organized tours for quite a few years, but does that mean tour guides have become a thing of the past?</p>\n<p>Absolutely not! When I travelled to the Middle East, I decided to book a tour through Intrepid Travel which ended up being one of the best trips I’ve ever taken. In certain situations hiring a professional guide or joining a tour are totally worth it since they can save you time and money.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/let-a-city-local-be-your-travel-guide/\">Let a city local be your travel guide » </a></p>\n<h2>When to use a tour guide</h2>\n<p><strong>When you have limited time</strong> – We don’t always have the luxury of exploring new locations for an extended period of time so hiring a guide in these situations can be extremely beneficial. Before you depart hire a guide who can meet you in a convenient location when you arrive so you can maximize your time.</p>\n<p><strong>Historical sites</strong> – There’s so much history all around the world that you may want to hire an expert to give you the rundown of the site you’ve travelling to. The Pyramids of Giza, the Vatican Museums, and Jerusalem are all places where having a knowledgeable guide is invaluable. Keep in mind that in many places if you’ve hired a guide, you can skip the lines which will give you more time to explore the sites.</p>\n<p><strong>Adventure travel</strong> – Adventure travel can mean anything to anyone, but if you’re looking for a different experience, or you’re travelling to an area where safety is a concern then having a guide will give you piece of mind. Many adventure travel companies do small groups only and use local guides so right away you’re getting a different experience.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/the-top-adventure-tour-companie/\">The top adventure tour companies » </a></p>\n<p><strong>Cruise ports</strong> – Cruises are appealing since you get to see quite a few different locations while enjoying the amenities of a big ship. The problem is that port stops tend to give you limited time and often where you dock may be far from the city. Hiring a local guide who specializes in cruise stops are good way to save money compared to the official guides that your cruise lines recommends. The locals know exactly what time you need to be back so there should be no worries about missing your deadlines.</p>\n<p><strong>When language is an issue</strong> – Although communicating around the world is not as big of an obstacle these days with data plans and sign language, many travellers still prefer the company of a guide who can help translate. These guides are extremely helpful when visiting sites where English is very limited and there are no other translations available.</p>\n<p><strong>When transportation is limited</strong> – There’s plenty of sites near major cities worth visiting but often getting to them can be a serious issue. Hiring a private driver / guide will take all the hassle out of planning your transportation routes. Even if they can’t give you detailed descriptions of what you’re seeing, they’ll probably know of attractions worth seeing that you’ve never even heard of.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/travel/food-glorious-food-tours/\">Ever been on a food tour? » </a></p>\n<p><strong>Final word</strong></p>\n<p>With so many tours out there it may seem impossible to figure out which one to go with, but it’s incredible easy these days. Try <a href=\"http://www.tourradar.com/\" >TourRadar</a>, a site that makes booking tours easy. With all their different filter options, you can easily narrow down which tour is best suited for you.</p>\n<p class=\"p1\"><em><span class=\"s1\">Barry Choi is a personal finance and budget travel expert at Moneywehave.com.  He has been quoted by media in Canada and the United States including The Financial Post, The Toronto Star, Business Insider, The Globe and Mail, and has appeared on HuffPost Live. You can follow him on Twitter: <a href=\"https://twitter.com/barrychoi\"><span class=\"s3\">@barrychoi</span></a> </span></em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/when-a-tour-guide-is-worth-it/\">When a tour guide is worth it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','When a tour guide is worth it','<p>Not sure if you should go with a tour guide? It depends on your situation </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/travel/when-a-tour-guide-is-worth-it/\">When a tour guide is worth it</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-04-20 12:40:29','2016-04-20 16:40:29','',0,'http://www.moneysense.ca/?p=153282',0,'post','',0),