Do Not buy your next car, SUV or truck without reading this

For the net at its best, consider researching your next vehicle purchase. There is great information available free of charge on nearly every aspect of choosing the ideal vehicle.

Let us begin with fuel consumption. Natural Resources Canada has a manual for and for vehicles from . For safety ratings, have a look at the Insurance Institute for Highway Safety’s going back to 2004. There is also a list of annually.

Consumer Reports provides a comprehensive directory of and reliability information, but most is reserved for paying subscribers. Free content recently has included a ranking of automobile brands by . Another source of testimonials is .

Leaning toward purchasing a used car? The Insurance Bureau of Canada that allows you assess if a vehicle was reported as damaged in a flood or deemed non-repairable. To appreciate your trade-in, attempt .

All these tools and much more are gathered in this from, which provides quotes for automobile, life and property insurance. For comparing auto insurance prices, a few different sites to consult are , , , , and .

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Rob’s personal finance reading list…

Four signs You Might Want to work in retirement
This list is intended to help you determine if you part-time after you retire. A good deal of people will have answered yes to those questions.

Lifestyles of the rich and frugal
Basketball superstar LeBron James will not use his phone without WiFi to on data costs, and he will not pay for smartphone programs.

The boys from the banks
These are the men — yes, all men — that run the Big Five banks and thus on the financial lives of most Canadians.

That is what Christmas lights do for your own power bill
The expense of these dark winter nights is really not too bad. U.S. rates displayed here google your provincial electric or hydro authority for your own expenses.

Today’s featured fiscal tool
I get asked a lot by parents for suggestions of tools which may be used to help teach children about money. This is one — an internet game called .

Ask Rob
The question: “I notice that some exchange-traded funds invest a certain sum in other ETFs. Does this imply that the management expense ratio of the first ETF is truly understating the MER that’s really being paid?”

The response: “This is a frequent question, so the ETF business has to do a much better job of fee disclosure. Basically, this individual is asking if there are two levels of fees when an ETF comprises another ETF in its portfolio of investments — one for the first ETF and another for the ETF one of its holdings. The answer is usually no. The submitted MER for a fund must include the expense of ETFs inside the portfolio.”

Do you have a question for me? . Sorry I can not answer every one personally. Questions and answers are edited for length.

What I’ve been writing about
– A new retirement age: How many years are you going to work?
– Here is what Bill Morneau’s pension bill could mean for
– Do you have an of your investment skills?

More Carrick and cash coverage
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Courtesy: The Globe And Mail

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