05-14-22

8 Tips on How to Save on Lease Returns Fees

In 2021, one in four cars in the USA were leased (according to Statista). There are several reasons and excellent benefits to leasing rather than buying a car but any decision also needs to take into account what happens when you want or need to change the vehicle.

When you own the car, it is a simple matter of selling it, either online, privately, or in part exchange for a new vehicle with a dealership.

If you lease a car, the decision is more involved because you have to revisit the issue of whether it is better to take out a new lease or switch to buying a new car.

Also, when the lease term ends, there could be costs that are irrelevant in the selling process.

What are End of Car Lease Fees?

There are 5 main fees a leasing company may look to charge you at the end of a lease term.

These are

  • Disposition Fee - also known as the turn-in fee, this is essentially a pimped-up admin charge to cover the costs of the leasing company cleaning up and repurposing your returned car.
  • Excess Mileage Fee - charged if you drive more miles than as specified in your lease contract.
  • Early Termination Charge - a penalty that is levied if you return your car before the lease term ends.
  • Purchase Option Charge - not charged by all dealerships, but a potential charge if you decide to buy the car and the lease-end.
  • Wear and Tear Charge - the amount to be paid will be based on the level of damage and the cost of the repairs as assessed at the wear and tear inspection.

When you enter a car lease agreement, you are not the car’s owner. Effectively you are only a caretaker. As a caretaker you are expected to look after the car - probably be more considerate than if it were your own vehicle.

Saving on Lease Returns Fees

How to make savings at the end of your lease will depend on the decision you make whether you return the car or buy the car. The following tips will not only help you save money at the end of the lease but will also inform your decision as to what you do for your next car.

#1. Sell Your Lease

If your pre-inspection has identified a whole raft of charges that have left you breathless, consider selling your car. You need to find a buyer that specializes in buying leased cars.

The first step is to get your car appraised.

Obviously, the appraised value may not be so great and if it is more effective and cheaper to pay the lease-end fees, then that is the most sensible way to go.

If the appraisal amount is more than or close to the lease buyout value, selling your car is the easiest way to get rid of your obligation to the lease and also circumvent the lease-end charges including the disposition fees and wear and tear charges.

Selling your car to IMX Auto Buying Center can not only save you money but can also make you money. IMX has an exceptional track record in buying leased cars that no other company is able to.

#2. Saving on the Disposition Fee

There are three ways to avoid the disposition fee:

  • Check the contract before you sign - Ensure you know the conditions of the lease turn-in before you sign your lease contract. Know exactly what the disposition fee is. Some companies don’t charge a disposition fee or you may be able to negotiate a waiver with the leasing company but as it will form part of the terms and conditions of your lease agreement, it must be agreed upon before you sign anything.
  • Sign another lease - If your intention is to lease another car rather than purchase your own vehicle, your current dealership may waive the disposition fee. If it isn’t automatic, you have a position from which to negotiate. Do your research before deciding to go to a different dealer. You may be able to find a car with a lower monthly payment but factor in the saving of the disposition fee. You may find it is cheaper to stay with the same dealer and leasing company than to change.
  • Purchase your leased car - if there is a purchase option written into your lease agreement, there may be an automatic waiver of the disposition fee because the company doesn’t have to expend any cost or effort to prepare the car for a new owner/lessee. If not, again, it is a case of negotiation.

#3. Do Not - Ever - Exceed Your Annual Mileage Limit

Most leasing companies offer a range of mileage allowances. Your mileage allowance is set and written into your lease contract. It is important to make a really good estimate of how many miles you think you will do annually - err on the cautious and overestimate.

If you exceed your annual mileage limit, the charge could be anything from 15 to 25 cents per mile and may rise to even more in the near future given the current climate around fossil fuels and market pressures.

If you think you may exceed your limit, talk to your leasing company, they may enable a change to a bigger allowance - at a cost of course.

#4. Get a Lease-End Pre-Inspection

The biggest surprise to most leased car drivers when the current lease comes to an end is the amount the dealership claims for the Wear and Tear Charge. The $300-$500 disposition fee can pale into insignificance if you haven’t looked after the car well.

What you might consider being reasonable wear and tear may not be in line with the dealership. Anything that affects the aesthetic of a vehicle - interior and exterior - can reduce a car’s appeal to the next lessee or buyer, ultimately affecting the market value or lease payments the dealer may be able to get.

Sure, those little dings and dents you got from the store car park bollards are pretty small, but they will be picked up on. As will that cigarette burn in the upholstery.

Check your contract before panicking about any damage. Every leasing company has to allow for reasonable wear and tear but each will have its own interpretation of what normal wear and excess wear is reasonable. Most commonly, damage falling within the “credit card test” is not charged for: i.e. any damage that can be covered up by a credit card.

A lease-end pre-inspection will provide you with an estimate of what you could be expected to be asked to pay when you turn in the lease.

Always use a third party to carry out the pre-inspection - a company not associated with the dealership or leasing company.

#5. Repair Major and Obvious Damage Before Returning the Vehicle

There are three obvious areas that are best tackled by yourself before the lease ends that will save on termination fees.

These are

  • Tires
  • Glass
  • Bumpers

Tires should be rotated regularly to balance wear and tear. Remember, the minimum legal tire tread in most states is 1.6 mm (2/32 inch). You will probably not be charged if you return your leased vehicle with at least 1/8 inch of remaining tread. If your tread is less than this or is bald, it is best to replace them. You can probably find replacement tires cheaper online than your dealership will charge on lease termination.

Glass covers items like windscreen, headlights, and taillights. The dealership may overlook scuffed head and taillight covers but they won’t forgive a cracked windscreen. If you’ve been sensible with your auto insurance, you’ll have a $100 deductible for a replacement windscreen. Paying this deductible is going to be cheaper than being charged a replacement fee by your dealership.

Bumpers can be costly to repair, particularly if they have become dislodged. Again, you can save money on wear and tear charges by getting it fixed before the handover inspection.

 

Check your contract for other things that are likely to be charged for if they are damaged or not working. Typically, this includes things like radios, navigation systems, window regulators, and spare keys. Again, getting them repaired is probably the cheaper option.

#6. Don’t Lose Anything

It is one of the most common recharges for leased vehicles. Lessees remove items from the car and then lose them. This can be anything from spare wheel covers, removable headrests and luggage compartment covers to the third row of seats for SUVs. Put anything you remove from the car somewhere safe.

#7. Stick to Scheduled Maintenance Guidelines

Just because you aren’t technically the car’s owner doesn’t mean you can ignore scheduled general maintenance. If your lease is for a new car and a term of 36 months, the vehicle warranty should cover the cost of repairs.

The best way to approach this is to keep a written record of scheduled and non-scheduled maintenance. This will prove that you have looked after all the areas of concern. Records should detail oil changes, tire rotations, and fluid level checks. If the inspection reveals engine trouble or mechanical problems, your maintenance records will make it hard for the dealer to claim you were at fault.

#8. Get Wear and Tear Insurance

If you know that in all likelihood you will be stung for wear and tear costs at the end of your lease contract, consider wear and tear insurance. You might be an accident-prone driver or have a sloppy messy family! Some leasing companies have their own wear and tear coverage for damage or your dealership may offer a policy from an independent insurer. As with everything, know exactly what you are covered for and how much you will be paying.

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11-19-21

Benefits of Leasing Your New Car

It seems mind-boggling that the car and truck leasing industry is booming. Why is it that people are choosing to lease vehicles when they can buy them new or second-hand? The downside to leasing is that after paying months or years on a vehicle, you have nothing to show for it at the end. However, the more economically-minded are discovering that their sum value per dollar spent is actually far better when they lease rather than when they buy.

Starting With The Math

Let’s say that you want to buy a Nissan, and it costs you around $21,595. A deal for leasing for three years would come to around $9,071.16, which includes taxes, the initial amount, and so forth.

A generous depreciation rate would be 46%, though, in reality, it is often higher. Meaning that the resale value of the car by the end of that three years is $11,661.30, meaning that the car lost $9,933.70 from its original value.

Buying, and assuming you sell the car after three years, you spend $10,308.70. But, leasing for three years only costs $9,071.16. The question then comes down to simple math. Would you like a car for three years to cost you 9K or 10K?

Some may say that somebody could keep a car in good condition for ten years and get the best possible value, but they would be wrong. The only way to get better value for your money is if you buy a used car or second-hand car with around 20 thousand miles on the clock, and then keep that car for ten years. Only under those circumstances do you come out noticeably ahead in terms of value for money.

Lease Obligations Do Not Show as Debt

This is a massive feature for some people when it comes to getting a new car. Most people are in massive amounts of debt. It is the nature of the game. Over the last 20 years, it has become easier and easier to get credit for everything from a car loan to a new holiday, and people have been taking them. Promises of low monthly payments and no down payment have lulled people into debt. They don't want anything else on their credit report, so when they see that a lease term doesn't count as debt on their credit report, they choose a car lease rather than an auto loan.

Lease Payments Can Be Considered Business Expenses

This is a massive benefit for some people, especially since many people are self-employed and/or working from home. People are able the get a new vehicle with all of its warranty promises for fairly low lease payments, and then pass them off as business expenses.

Even if they do not get lower monthly payments for their leased car, it is easier to pass off a lease deal as a business expense than it is when they buy a new vehicle from a dealership. In most cases, people who buy a car have to split their usage amount 60/40 for home and business. Whereas auditors will more easily accept that your monthly lease payments are at least 90% business use cases. This is one of the biggest benefits of leasing for small business owners, freelancers, and self-employed people.

Are There Any Downsides or Cons of Leasing?

As for the cons of leasing, they are surprisingly similar to the downsides of buying. For example, wear and tear may be a problem, but it is just as much of a problem when you buy the car and want to sell it after a few years.

At the end of the lease, you may have nothing to show for your money, but if you sold your car right there, you would still have nothing to show because you are just recouping the massive amount you spent in the first place. The residual value of the vehicle goes down very quickly.

One could complain about the payments and interest rate issues that come with leasing, but the same is true if you struggle with your loan payments to pay for your car. The lease contract says that the lessee has a mileage limit, but you can set your mileage limit before you lease the vehicle. Plus, even if you had a new car, if you are doing a lot of miles, then that too is reflected in its resale value, so the numbers balance up in the end.

Some complain that they do not have the credit score for a leased vehicle, but the leasing companies are no more vindictive than a lender and loan term setter when you buy a car. In fact, financing options are often worse than car loan and car lease plans.

Buying the Leased Car At the End of the Term

Some people have a hard time saying goodbye. There is no real benefit to buying the car from the leasing company at the lease end, but it may save you the hassle of buying your next car or next vehicle. Though that is not the real reason why people buy their leased cars. In most cases, people who buy their leased cars are ones who have made memories in the car, who have come to rely on the car, and who do not want to give it up. In reality, being able to buy the leased car at the end of the term, for the Blue Book value of the vehicle, is a pretty good benefit. It may not offer fantastic value for money, but it is a handy perk nonetheless.

Some say that a leased car is not worth the purchase price because of the excess mileage and excessive wear that comes with leased cars, but that is not the case. They are mistaking the way people treat hired cars with the ways they treat leased cars. Car buyers are not doing donuts in the Walmart parking lot with their leased car. They may be doing such things with their hire car, especially if they paid for the damage insurance upfront. But, in most cases, car buying and car leasing people take care of their leased car, they stick to the number of miles they signed up for, and they take good care of their vehicles.

The Lesser-Known Benefits of Leasing

You can often pick your own down payment to make before you lease your vehicle. Similar to when you get a car loan, you can sometimes make part of the payment beforehand and then make lower monthly payments as time goes on. The only downside is that you cannot trade in your car for its trade-in value and use that as your down payment.

When you lease a car, you get all the accessibility features, you can pick your number of yearly miles, and you get all the modern safety features. One of the best reasons to either buy or lease new cars every four years is because of new safety features, and because car payment companies and car insurance companies will go a little easier on you. That is unless you are leasing luxury cars, in which case your car insurance will be pretty high.

When you lease and car, you don't have to worry about gap insurance, the purchase price, or even the monthly costs beyond the lease period payment agreement. There is often some pretty tasty lease offers on the table, and some manufacturers offer incentives for people to lease their cars rather than buy them.

hand holding car keys

Are Lease Payments Less Than Traditional Car Loan Payments?

In some cases, if you have a good credit rating, you can get a car loan or a regular loan for less than what it costs for a car lease. However, this does not change the value of money you are getting for your car. When you buy a car, you are losing out due to depreciation, and nothing changes in that regards even if you get a good loan deal.

If you have a bad credit rating or you are looking for a car financing deal, then the monthly payments and your overall payments are going to be far higher than your monthly lease payments. In fact, perhaps one of the underlying reasons why car leasing companies are doing so well is because of the massive monthly and huge interest costs that come with car financing terms. Under most circumstances, the cost of leasing is better than buying. Plus, in terms of value for money, you are often getting a better deal if you lease a vehicle rather than buy it.

 

If you are in the market for a new car, it is probably time to sell your old one. Whether you are looking to lease or buy a new car, selling your old car can help you finance the new one. At IMX Auto, we can give you a quote for your vehicle in 2 minutes or less, and help take away the burden of getting your old car off your hands. Visit our website to get a quote online or visit us in-store to get started!

 

Store Hours:

Monday-Saturday: 9:00am-7:30pm

Sunday: By Appointment Only

Address: 811 N Victory Blvd, Burbank, CA 91502

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11-17-21

Top 5 Most Reliable Pickup Trucks

Now, more than ever, people care about the reliability and dependability of the vehicle they are driving, especially when it comes to pickup trucks. Wanting a dependable truck may seem obvious, and most modern pickup trucks will not leave you stranded in the middle of nowhere after breaking down for seemingly no reason. So, with modern technology, why are people still so concerned with finding a reliable vehicle?

In this day and age, being reliable means not breaking down forever after 80,000 miles. It means being able to keep and use the truck after the initial period, and not having to fork out thousands upon thousands of dollars when major elements in the truck need replacing. Under these definitions and terms, here are five of the most reliable pickup trucks, along with a few comparisons with other pickup trucks that didn't make this list.

1. Nissan Frontier

The Nissan Frontier is available in a four-door crew cab or extended cab with five-foot and 6.1-foot box lengths. It is a 2.5L four-cylinder 152-hp engine, or you can opt for the more expensive 261-hp version with the 4.0L V6 engine that also has higher trims. This is one of the most reliable midsize pickup trucks on the market according to consumer reports. Even when bought as used trucks, they are midsized trucks with a half-ton of reliability.

The pickup truck has an estimated 6,710-lb towing capacity. As you know, the model year does make a difference in some cases, but anything post-2017 is pretty good. The four-liter version offers a little more than this, with the implied reasoning that you could do your towing a little faster.

This may not be the Nissan Titan, and may not have a V8 engine, but it does come with 18-inch aluminum-alloy wheels, it has a factory-applied spray-on bed liner. It has a 5.8-inch touchscreen display for navigation and a utility-track bed channel system.

You may ask how this is better than something like the Ford F-150. And, where it is true that this Nissan cannot take the sort of beatings and damage that the Ford F-150 can, the Nissan is reliable in a different way.

2. Ford Ranger

This pickup truck has three trim levels (XL, XLT, Lariat) and comes with a series of driver-assist features. It is a modern driver’s vehicle, suitable for town and city driving. It comes with a 270-hp turbocharged EcoBoost engine, which is a 2.3L four-cylinder engine that pulls 310 lb-ft of torque.

When properly equipped, the 2.3L can tow an estimated 7,500 lbs, and carry an estimated payload capacity of 1,860 lbs. As you would expect from its name, there is a 4X4 Off-Road package that comes with your typical all-wheel drive, an electronic-locking rear axle, crawl control, and terrain management system and configurations. The Ford Ranger has 16-inch silver steel wheels and a rearview monitor with hitch assist. The 4 x 4 models have black front tow hooks and they have a SYNC infotainment system with a 4.2-inch display.

How does the Ford Ranger compare to something like the Toyota Tundra? On the one hand, the Ford Ranger offers much less torque than the Toyota Tundra, and the Tundra is better at transporting people. The Ford, however, costs significantly less and does almost double the miles per gallon of the Toyota Tundra. 

After 80,000 miles of hard work, the Tundra is going to need major repairs, whereas the Ford will need fewer repairs, will still be in working order, and its major components will cost far less to replace. You are also less likely to run out of gas halfway through a job when you are using the Ford Ranger.

blue Ford ranger pickup truck

3. GMC Canyon

Built for highways and for slightly rougher terrain, this pickup truck comes with a two- and four-passenger extended cab option, as well as a five-seat crew cab. It is like a hybrid between a Jeep and a midsize truck, with all the redesign and treads one would want from a reliable pickup truck. The GMC Canyon has a 2.8L four-cylinder turbo-diesel engine, with SLE and higher trims, and is able to tow around 7,700 lbs. It comes with an optional EZ-Lift, along with a lower tailgate. Buy from a showroom, and you also get 18-inch aluminum wheels, four-way power-adjustable front seats, leather-appointed front buckets seats, and heated front seats.

How does this truck size up against a heavy-duty full-size pickup like the Dodge Ram 1500? Well, other than the GMC Canyon being less expensive than the Dodge Ram 1500, the Canyon has better fuel mileage and still has a lot of space considering its size. The Ram is the typical powertrain, which is great, but when it comes to reliability scores, it doesn't suggest you'll get a smooth ride. Plus, the GMC Canyon does a far better job of transmitting the horsepower of the engine to the wheels than the Ram does. In terms of how much money you will spend on repairs over the years, the GMC Canyon beats the Ram by quite a distance. Then again, if the cost of parts and repairs on the Dodge Ram 1500 were lower, then perhaps it would have fared better on this list.

4. Chevrolet Colorado

As a mid-sized truck, it is one of the best trucks and most compact trucks for nimbly running through busy cities and construction sites. You can pick between extended-cab and crew-cab body styles, and there is both a short and long bed length to choose from. It has a 2.8L turbocharged four-cylinder diesel engine that gives an average of 30 mpg gas mileage on a highway. In terms of fuel efficiency and fuel economy, this heavy-duty truck is surprisingly impressive. This pickup trick a 2.8L can tow around 7,700 lbs. If you buy from a showroom, you get the 17-inch metallic-painted cast-aluminum wheels, cruise control, and power-adjustable side view mirrors.

Compare this truck to something like the Toyota Tacoma, and you'll see the Tacoma has a 3.5-liter V6 engine that has 278 horsepower with 265 lb.-ft. of torque. The Tacoma is also lighter and has a higher towing capacity. So why rate the Chevrolet Colorado over the Toyota Tacoma, especially when you consider that the Tacoma has a better safety record and better resale value? The reason is that the Toyota Tacoma takes a lot of work and effort in order to maintain its value and keep it running smoothly. That is not to say that you can abuse the Chevrolet, it just means that if you are not taking 100% care of your Colorado, then the machine is not going to punish you for it. The Tacoma does beat out the Chevy Colorado in many areas, but in order to maintain its condition, the Tacoma needs the sort of care, attention, and time that many drivers cannot afford.

red Chevrolet Colorado pickup truck

5. Honda Ridgeline

Like many full-size pickup trucks, this truck has a standard dual-action tailgate swings around the back and the side for easier access to the lockable in-bed trunk. As a new truck, It has a 280-hp engine, which is a 3.5L V6 engine, it has great ride quality and reliability ratings. It has uni-body construction along with fully independent suspension, so you can be sure of a nicely balanced ride. Buy from a showroom, and you also get 18-inch alloy wheels, a heated steering wheel, a driver seat with two-position memory, a blind-spot information system, and a cross-traffic monitor.

So, how would the Honda Ridgeline compare to something like the Chevrolet Silverado? Well, the Silverado is more of a workhorse, being able to haul 1,933 pounds compared to the Ridgeline, which can handle around 1,487 pounds. 

The Honda has a lockable storage compartment in the bed, and the tailgate opens onto the side and on the back. Both trucks have a trailer hitch, and yet the Silverado tows 5,900 pounds whereas the Ridgeline tows around 5,000 pounds. But, as it has come to light, we have learned more and more about the transmission and engine problems that the Chevy Silverado has. People who use the vehicle often for work purposes are not getting very good value for their money when it comes to repairs. Whereas no such problems occur easily with the Honda Ridgeline, according to consumers. The Honda is pretty easy to maintain and would have probably done a lot better in this list if its fuel system lasted a few thousand miles more than it does.

If you are in the market for a new truck or want to upgrade your current vehicle, it may be time to sell your old car- and we want to buy it! We know that selling your car can be a time-consuming and stressful process. That's why, at IMX Auto, we will give you an accurate and honest quote for your vehicle in only 2 minutes or less. Get a quote online today or visit us in-store to get started!

Store Hours:
Monday-Saturday: 9:00am-7:30pm
Sunday: By Appointment Only

Phone: 818-724-5754

Address: 811 N Victory Blvd, Burbank, CA 91502

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03-18-20

Help stop the spread & stay healthy

The COVID-19 pandemic has caused a great deal of concern and has had a significant impact in our communities. The IMX staff is doing our part to minimize the spread of this virus and is taking all precautionary measures to make sure that our customers remain in a safe and secure environment.
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03-17-20

COVID-19

This is official information and the source is Los Angeles County Department of Public Health.
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03-04-20

IMX AUTO BECAME A VOTE CENTER

IMX Auto provided its showroom to be a vote center for the 2020 Presidential Primary Election.
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02-27-20

ANGER MANAGEMENT SEMINAR AT IMX AUTO GROUP

Is anger good or bad? Can you control your anger? How to manage your anger? The participants of the educational seminar explored the immeasurable world of Anger Management at IMX Auto Group gallery.
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02-20-20

CALIFORNIA PUBLIC RADIO REPORTER AT IMX AUTO

Southern California Public Radio reporter Ms. Josie Huang visited IMX Auto to interview Mr. Henry Aghajanian, the President of IMX Auto Group. KPCC Public Radio reporter was surprised to find out that a private business decided to take out all vehicles out of the showroom and provide space for voting equipment for 11 days. Ms Josie pointed out that is very unusual for the car dealership to become a vote center.
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02-20-20

YOU CAN VOTE AT IMX AUTO

YOU CAN VOTE AT IMX AUTO
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12-06-19

Annual Art Exhibition at IMX

The opening ceremony of the 4th Annual Art Exhibition at IMX Auto Group was beautiful and memorable. Each December IMX Auto Group provides platform to talented local artists to celebrate the art and enjoy a night of music, light and color within the frameworks of its corporate social responsibility strategy. 
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11-25-19

Black Friday Sale at IMX Auto Group

Welcome to IMX Auto! For our Black Friday sale we have exclusively selected cars with enormous incentives especially for you! We are located at 811 North Victory Blvd in the beautiful city of Burbank! Come visit us today!
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11-21-19

Educational Seminar at IMX Auto Group

IMX Auto Group continues to organize educational seminars with the aim of supporting local community members to cope with their every-day stress situations by providing them with knowledge and expertise. This seminar was arranged to discuss the anxiety and suggest ways to overcome it.
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11-18-19

Annual Art Exhibition at IMX Auto Group

IMX Auto group is proud to announce about the 4th Annual Art Exhibition to support local artists. Tradition of providing platform to talented aritsts of Burbank, Glendale and nearby cities continues. On December 6th, from 7:30pm IMX Auto group pre-owned vehicle dealership will open its doors for fine artists to express their feelings and emitions through their fine artworks.
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11-05-19

“Body Nerd Garage” training at IMX Auto Group

Alex describes herself as a self-care + wellness coach, occasional yogi and body nerd. She is organizing physical trainings to teach people how to use movement smarter to be healthy and happy while getting more flexible and forgetting about all types of pain and aches. Alex is more than sure that “You are not YOU when you are in pain”, so she is ready to help to “change the unchangeable so you can feel amazing every day”.
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10-25-19

Arnold Schwarzenegger goes undercover at IMX Auto

World renowned actor, politician and 38th Governor of California Arnold Schwarzenegger goes undercover as a used car salesman Howard Kleiner to prank customers and promote electric cars at IMX Auto dealership.
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10-17-19

Stress Reduction Seminar at IMX Auto Group

IMX Auto Group organized a Stress Reduction Seminar, which was held by Ms. Armineh Gourgian, Marriage and Family Therapist. Participants of the event were introduced to stress reduction practical techniques and tips. The group had an important learning session, as well as result-oriented discussions about the numerous stress factors. They were advised of the ways to overcome stress, and keep their daily communications in peace and harmony, both in work and at home.
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