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NEW 2011 NISSAN TITAN 4X4 CREW CAB SV Towing capacity 9300 lbs, P265/60R18 Tires, Fully Loaded! All Fees Included +HST Only. Licensing Extra All Fees Included +HST Only. Licensing Extra Stk# 311005 MSRP - $45,877 Factory Discount - $10,000 Dealer Discount - $2,000 3 AT THIS PRICE CASH PRICE $33,877 NEW 2011 NISSAN TITAN 4X4 CREW CAB PRO-4X Towing capacity 9300 lbs, P275/70R18 Tires, Fully Loaded! Including Pro-4X Option Package Stk# 311006 MSRP - $50,942 Factory Discount - $10,000 Dealer Discount - $2,000 1 AT THIS PRICE CASH PRICE $38,942 All Fees Included +HST Only. Licensing ExtraAll Fees Included +HST Only. Licensing Extra NEW 2011 NISSAN TITAN 4X4 CREW CAB SL NEW 2011 NISSAN TITAN 4X4 KING CAB PRO-4X Towing capacity 9300 lbs, P275/60R20 Tires, Fully Loaded! Including SL Option Package Towing capacity 9300 lbs, P275/70R18 Tires, Fully Loaded! Including Pro-4X Option Package Stk# 311007 Stk# 311003 MSRP - $53,042 Factory Discount - $12,000 Dealer Discount - $2,547 MSRP - $45,042 Factory Discount - $10,000 Dealer Discount - $2,043 1 AT THIS PRICE 1 AT THIS PRICE CASH PRICE CASH PRICE $38,495 $32,999 All Fees Included +HST Only. Licensing ExtraAll Fees Included +HST Only. Licensing Extra NEW 2011 NISSAN FRONTIER 4X2 KING CAB SV NEW 2011 NISSAN FRONTIER 4X4 KING CAB SV Towing capacity 6300 lbs, 4.0 Litre, V6 Engine, Power Pkg. Towing capacity 6300 lbs, 4.0 Litre, V6 Engine, Power Pkg. Stk# 411003 Stk# 411007 MSRP - $30,482 Factory Discount - $8,000 Dealer Discount - $687 MSRP - $34,017 Factory Discount - $8,000 Dealer Discount - $1,022 1 AT THIS PRICE 1 AT THIS PRICE CASH PRICE CASH PRICE $21,795 $24,995 ry rebates. See Oakville Nissan for details. CLOSE A GREAT DEAL FINANCING FOR UP TO 84 MONTHS* ON A BIG SELECTION OF 2011 MODELS HOTTEST DEALS ON TRUCKS 1 3 Frid ay, A u g u st 12, 2011 O A K V ILLE B E A V E R w w w .in sid eH A LTO N .co m funds and their fees We have felt strongly about investment fees for a long time. It was 10 years ago Aug. 8 that this column published an article about high investment fees. Understanding fees is impor- tant to your financial success. Investors are encouraged to understand what they pay because those fees reduce their investment returns. There are three problems with investment fees. First of all, investment fees are still often too high. Decades ago there was great value in buying and selling investments. It took consid- erable effort to implement a trade. Those days are long gone. fTechnology and economies o scale have reduced transaction costs. Has this cost reduction lowered your investment fees? Are your fees fair and are you getting good value for your money? In my article 10 years ago, I cited the management expense ratio (MER) of a mutual fund to be around 2.5 per cent. That was when the amount of money invested in mutu- al funds was around $426 billion and technology was less sophisticated. In 2011, the amount invested in mutual funds has increased by $240 billion (or 56 per cent), yet investors are still paying around the same fee percentage. fReasonable fees are justifiable i there is excellent investment advice and financial planning guidance. Paying a high fee to execute a simple transaction is not good value. This brings us to the second problem, which is that fees are often based on transactions. How would you feel if your doc- tors method of remuneration was based on the medication they pre- scribed and you purchased? Would that change the trust relationship you have with your doctor? How would you feel if there were different levels of commission paid to your doctor depending on which prescription they recommended? From two drugs offering the same Dollars & Sense By Peter Watson See You page 14