Category Archives: Car & Motors


Company Car Or Company Car Allowance – Which Should I Choose

If you have the choice of a Company Car or Company Car Allowance, you should check out how much Company Car Tax (or Benefit In Kind Tax as it is also known) that you would pay if you accept a company vehicle, and then decide whether to go for the Company Car or cash. You could be better off taking the car allowance and leasing a car yourself, even though the allowance is taxable.

The Cash for Car scheme has become increasingly popular with both employers and employees in recent years. Employers save time and money in not having to source, maintain and administer a fleet, although they must always be aware of their Duty of Care and Health & Safety responsibilities. And as an employee, you have more freedom to choose the car you drive, and you could even be better off if you dont spend all of the company car allowance you receive. However, some employers do stipulate the type and age of vehicle that is acceptable, according to the job you are doing.

If you choose to accept a Company Car Allowance, its worth considering Car Leasing vs Buying. Car Leasing (also known as Contract Hire) is simply the hiring of a vehicle for an agreed period of time for a fixed monthly rental. Unlike Short Term Rental or daily rental, a car lease is usually for 2-5 years, after which you can simply hand the car back with no further commitment or, in some case, you may be able to purchase the vehicle if you wish. Car Leasing is a convenient, cost-effective and hassle-free way of financing a new vehicle, and there are many benefits of leasing a car. It enables easy budgeting of your motoring costs, and the fixed monthly payments can even include servicing and maintenance. Also, theres no need to worry about depreciation or disposing of the vehicle at the end of the contract.

Dont forget that if you choose the company car instead of the company car allowance, all your motoring costs (except private fuel) will be taken care of by your employer including insurance, road tax, servicing and repairs. If you choose the company car allowance, you will have to pay for these things yourself.

If you choose a company car allowance and lease a vehicle which you use in the course of your job, youre entitled to claim from your employer a mileage allowance for each business mile travelled. H.M. Revenue & Customs approves certain mileage rates that employees can claim for business travel, and the current rate is 40p per mile. Check the HMRC website for the latest information.

Part way between the company car and a company car allowance is something called Employee Car Ownership. This is where your employer gives you a car allowance, but the company organizes the finance deal and takes care of insurance and running costs. This may also be worth considering if your employer offers such a scheme.


Channelvantage, General Motors To Launch Second Generation Lead Qualification Solution

In the news: Urban Science, a global retail consulting firm, has launched its second generation, comprehensive lead qualification solution. The wholly owned subsidiary of Urban Science, the ChannelVantage together with General Motors — worlds largest automaker and producer of renowned GM Cadillac parts — will roll out the lead scoring portion of the solution this spring.

ChannelVantage will rate online customers on how quickly they are in making decisions to buy GM products. The result of the said study will provide GM dealers with a list of customers to prioritize and to identify those tire-kickers. The said study will also provide the automaker with a clue as to what products are in demand giving them an idea on what products to focus their marketing efforts.

According to Lisa Grutta, Manager-Retail Internet Strategy, We get thousands of internet leads every month. Without a way to identify the seripus buyers, our dealers have no choice but to treat each lead the same, and to spend the same effort on each lead. With ChannelVantages lead qualification solution, we will have a method for telling our dealers who the buyers are so they can focus their time and marketing effort with a real opportunity to make a sale.

Since 2001, Urban Science has become the leading provider of lead qualification solutions in the US and Japan for various automotive and financial services clients. Its six years experience has helped Urban Science to double the accuracy level of their lead qualification models which they utilize to provide their clients with superior results and expert consulting services to effectively prioritize leads for treatment differentiation.

Urban Sciences end-to-end qualification and reporting solution collects, rate, and assigns different treatment to leads from the internet or other channels which are afterwards distributed to the right part of the organization for follow-ups. Likewise, a full report on everything starting from the number of leads delivered, to the marketing actions taken, up to the close rate analysis are provided by Urban Science.

The lead qualification solution that is being utilized by Urban Science is powered by its proprietary, award-winning GainSmarts data mining tool which is awarded twice in the leading Data Mining and Knowledge Discovery competition in the world, the KDD cup competition.

According to Jim Anderson, President and Chief Executive Officer of Urban Science, The automotive industry is allocating an increasing percentage of its resources to generate and manage leads. Recognizing and prioritizing those leads for automotive dealers, or any retailer for that matter, is a natural progression in improving retail effectiveness. We are proud that our experience and proven track record have allowed us to add GM to our growing roster of clients in this area.


Government Seized Car Auctions The Advantage Of Repossessed Cars

If you are not aware that there are actually government seized car auctions for you to go to, getting a new car has indeed a terrifying process. Besides, buying a brand new one is only a considerable option for those who are financially capable. Given the fact that you can actually ask for financial assistance from banks to purchase a new car, there is a great possibility that you might fail to comply your financial obligations with the bank. You need to realize that repossessed car market has become a productive market for individuals who seek to buy huge assets like secondhand cars. Government seized car auctions has a wide array of cars that you can choose from if you wish to purchase a car of your own.

Government impounded car auctions have assorted car models and makes. Such repossessed cars range from old to new models, from utility vehicles up to the most comfortable cars. Repossessed car markets are almost identical as the typical car dealership markets. However, the two car markets might differ on the execution of sales because in repossessed car markets, cars are sold fast at affordable prices. You just need to do a frequent visit to some government seized car auctions to see its displayed secondhand cars and get your most desired one.

So, why settle for a brand new car at the mainstream car dealership markets if this would leave you in a pool of debt? Why not consider buying repossessed car at some car auctions so avoid further financial problems? Besides, buying repossessed cars at some government seized vehicle auctions can give you a great chance of grabbing one at still perfect condition at amazing discounted price. It takes you only to take hold of auction information from your local newspapers and simply follow the details of the auctions.

Before going to public bidding at government impounded car auctions, you need to personally contact the proper authorities responsible for the car auctions for any inspection arrangements. This step will usher you to decide whether to participate in the auction or not, as you are given the chance to personally see the car you want to purchase. In case you fail to get your most desired car at your first visit at auction venue, you just have to consider frequent visit in some car auctions. To make your secondhand car hunting worthwhile, try to widen your auction searches so to finally settle your dream car at some government seized car auctions.


Tampa, Fl – Where houses are cheaper than cars!

The Tampa, Florida real estate market currently provides excellent investment opportunities for individuals who are looking to purchase real estate for rental. Realnet connects investors with bank foreclosure real estate and Cheap Houses that will generate cash flow. We understand the importance of earning a high return on investment properties.

Individuals looking for information about how to real estate often find information pointing them toward the purchase of bank foreclosures. Realnet will help you find cash flow properties to build your portfolio and to make you money. Every month, we help people just like you find real estate for less than you might pay for a car!

If you are serious about making money and want to buy Cheap Houses that you can rent, then Tampa, Florida is the right market for you. Investment Properties are not all created equal. Your business thrives on revenue. You need cash flow properties that make you money from day one. At Realnet, we know how important it is for investors to find cheap houses fast.

Right now, the market in Tampa is ripe for investors. Housing prices are at a twenty year low. We are here to help investors take full advantage of this excellent opportunity to find Cheap Houses in what is definitely a market where housing values will increase in the near future.

A Realnet Associate can help you find the right Investment Properties at the right price. Many investors try to attend foreclosure auctions and other events, which do work for some people. However, working with Realnet means that you are not competing with hundreds of other interested buyers. We can show you properties immediately when they become available.

You will never get into a bidding war with Realnet. You will work with an Associate who understands the investment business and who appreciates the value of Cheap Houses to someone looking to invest in cash flow properties.

Whether you are a new or experienced real estate investor, Realnet definitely can help you to build your assets in the Tampa area. When you purchase Cheap Houses through us, you are going to pay pennies on the dollar and you are going to make money fast. Remember that Realnet is known for selling houses that are cheaper than cars!

Don’t work with just any company that promises you Cheap Houses for purchase and don’t lose money at a foreclosure auction. Trust the experts and let us find the rental Investment Properties that you need to generate revenue and grow your business.


Company Cars – How Your Company Car Affects The Tax You Pay

First of all, lets see how Company Car Tax works

If you drive a Company Car, you are liable to pay tax as it is classed as a Benefit In Kind.

Company Car Tax or Benefit In Kind Tax must be paid on your company car if you, or a member of your family, use it for private use. This would include travelling to and from your place of work. If you drive a company van, the rules are slightly different in that you should not be liable for tax if the only private use is to go between work and home.

How much Company Car Tax will you have to pay?

There are a number of things that affect how much Company Car Tax you pay. The Benefit In Kind tax you pay on your Company Car is based on the P11D value of the car (its list price including any extras or options), the CO2 Emissions of the car (the lower the better), the rate you pay tax on your income, and whether your car can run on an alternative fuel. Furthermore, if your employer provides you with fuel and you use some of it for personal travel, you would also be liable for Benefit In Kind tax on this Car Fuel Benefit.

Further Information on Company Car Tax & Benefit In Kind

To help you work out how much Company Car Tax and Car Fuel Tax you will have to pay, why not check out the Company Car Tax Calculator provided by HM Revenue & Customs. Also, there is a Government website all about Company Cars which provides useful information and guidance for both employees and employers. It explains the rules about Tax and National Insurance relating to Company Cars and company car fuel. Changes in the rules relating to Company Car Tax are usually declared at Budget time. If youre interested in finding out how future changes might affect you, take a look at the Governments Forthcoming Changes To Car Benefit site.

Of course, there is a way to avoid paying Company Car Tax altogether, and its not illegal! If your employer gives you the choice of having either a Company Car or a Company Car Allowance, you could choose the cash alternative, lease or purchase your own vehicle, and then claim an amount back from your employer for business mileage (currently at a Government set rate of 40p per mile). You might like to check out the sister article to this one, called Company Car Or Company Car Allowance – Which Should I Choose?, which explains the benefits and disadvantages of each option.


Used Boat Motors – Getting the Right Price

When properly chosen according to your boating needs, used boat motors are very good bargains. However, caution must be exercised as choosing the right secondhand boat motors must be complemented with paying the right prices for them.

# Retail Price of Brand New Motors

Usually, the price of secondhand boat motors in good condition must play in the range between 50-60 percent of the retail price for their brand-new counterparts. Thus, you must do your research so that you have ammunition during price negotiations! At the very least, you have a starting point for comparative purposes.

# Exterior and Interior Condition

Before buying the used boat motors, you should have conducted visual inspections and audio tests that will make damages and deteriorations obvious. From these engine tests, you should be able to secure information on repairs to be done and replacement parts to be purchased. You will then be able to deduct part of the costs from the initial selling price, which is only fair and equitable.

# Depreciation Value

Normal wear and tear must be accounted for when purchasing secondhand boat motors, which in accounting circles is called depreciation value. If the straight-line method of depreciation is used, you can deduct fixed figures from the original purchase cost for every year that the used boat motors have been used until these are sold to you.

For example, if the boat motor was originally purchased for $1,000 and has a life expectancy of 10 years, then the depreciation for each year would be $100. If it was sold to you after two years of original purchase, then you can take the $200 depreciation into account when haggling for the right price.

# Level of Maintenance Care

However, you must also consider that degree with which the original owner exercised proper maintenance. He/she will also ask for a higher price based on the good condition of the used boat motors even after many years have lapsed.

Admittedly, there are many factors to be considered when purchasing second hand boat motors at a price agreeable to both buyer and seller. But with adequate research, satisfactory inspections and good haggling skills, you definitely can!

Visit my blog at for more exclusive guides you should know about used boat motors.


Benefits Of Buying Low Mileage Used Cars

The automobiles general condition is perfectly shown by its usage as recommended by its odometer. The reading of a cars odometer starts at nil when the automobile is just released from the manufacturers center. As the vehicle becomes older, its usage raises and its condition gets worse.

A vehicle with lower mileage would definitely run for 5 years or so if it does not have an incident. Hence, people who invest in second-hand vehicles check out lower mileage autos. However, how do you define low mileage? An automobile is regarded as a low mileage car if it has run less than a 100,000 kilometers. Generally, vehicles with a lot more than 200 k kilometers are said to be worn out and must be prevented. These kinds of autos may have quite a few problems unless of course they go for an overhaul.

Cars with higher miles also have corroded sections because of friction and this gets worse with the general distance that the vehicle travels. Even well-maintained vehicles are vulnerable to friction. In case a cars motor gets corroded, its lifespan is cut short.

Usually, miles decides the price tag on the car to be offered. Normally, a car with lower mileage cost higher compared to the one having a higher mileage. In short, the value of an automobile depreciates as the mileage increases. If you would like to know if the cars pricing is right, find out its mileage.

In case you come across a low priced low mileage automobile, you must be cautious enough to check for problems with the automobile. Oftentimes, you could get thrilled if you notice a cheap car that’s advertised in newspapers, net or in vehicle exhibits. And if the automobile provides low miles aside from the affordable price, then it will nearly be considered a done deal.

The sad fact is, that mileage may commonly be deceiving and won’t indicate the vehicles true condition. This is true particularly if a car has experienced incidents before. Yet another sad fact is that cheaters change the odometer reading so that they may get high price for their vehicles. This is why it’s extremely imperative to check on an automobile thoroughly before buying it even when the seller is great in presenting the nice details of the automobile.

Nonetheless, cars with lower mileages are usually much better than those having high mileages. They provide good value for money since they can last for many years and provide you with nice left over price. If you would like to purchase a used vehicle, think about the one that has a price tag that justifies its miles.


Need Motorcycle Accident Attorney in Los Angeles

The freedom and mobility of a bike is something that cannot be beat when it comes to the amount of traffic that inhabits the greater Los Angeles area. For all of the upsides that riding a motorcycle has there is one big draw back, almost zero protection from any car that motorcycle drivers have to share the road with.

Many people like to consider a motorcyclist as a daredevil with little care for the rules of the road. Essentially, motorcyclist, are looked at as adrenaline junkies that swerve in and out of traffic, therefore when they are involved in an accident one’s first reaction is to blame the motorcyclist. It is because of this assumption that so many make that makes it of vital importance to always have the best motorcycle accident attorney backing you up. Arash Law has the experience necessary to take on any case involving motorcycle accidents and are always willing to go that extra mile for their clients.

A few things to keep in mind whenever anyone is involved in a motorcycle accident is to not speak with the other persons insurance with out the presence of an experience motorcycle accident attorney. The reason for this is that they are not on the side of the motorcyclist and will try to find a way to hold them liable for the accident. Also, riding a motorcycle gives very little protection when involved in an accident. By being so exposed a motorcyclist can be severely injured. Arsha Law is able to help their clients get the best medical services available not mattering the clients insurance situation.

Being safe on the road is not just the responsibility of motorcycle riders but of everyone that shares the road. Though there are a few things that can help motorcyclist be safer when on the road; always follow the rules of the road such as speed limits, wear proper riding gear, never stay in someones blind spot, and always have the information for an experienced motorcycle accident attorney handy.


Wedding cars in Cumbria

The surge in demand for Wedding cars across the UK proves that nowadays people prefer more organized services when it comes to grand events like weddings. Actually what happens is once you take charge of a wedding preparation you tend to do everything by yourself starting right from the scratch. But that should not be the way to go. You might as well have numerous ideas in your mind but in order to give shape to them you will need due aid of experts in this field.

Everything starting from the venue to flowers to jewellery to food, to wedding car–needs attention. In that case hiring respective services from separate companies proves to be of help. Not only does it streamlines the process of organizing an event of such a grand magnitude but also helps you to incorporate more ideas.

Speaking exclusively of Wedding cars in Cumbria, you can find them in numerous companies. However be a little on your guard before settling for one of them. Try to gain a clear idea of what kind or brand of car do the bride and the groom want. If there is any conflict regarding the same you can ask the company to step in with required guidance and suggestions. The proposals put forward by the company should be such that it becomes easier for the couple to choose their preferred vehicle and not the other way round. Thus play your cards wisely here. The company thus chosen should be selected after considerable research. Apart from the Internet you can also base your research on recommendations from friends who have got married recently.

Lea Cars is one of the leading wedding car companies in Cumbria. One of the most trusted names in the region, Lea Cars brings ten years of expertise to the table. Once you hire its services you can be rest assured of flawless results in terms of times of arrival, aptly suitable chauffeur services etc. Cars from top notch brands like Rolls Royce, Jaguar, and Mercedes can be duly chosen to add a regal touch to the celebrations. Some of the leading reception venues where Lea Cars has taken couples to are Newby Bridge Hotel, Cragwood Hotel in Windermere, Low Wood Hotel in Widermere, Punch Bowl Inn, (Crosthwaite, Lyth Valley) etc.

Exercise due diligence by calling up Lea Cars months prior to the wedding. Backed by the right support and enough time at hand expect to create some wondrous moments for the newly-weds and guests on the wedding day.


Benefits of Motor Fleet Insurance Policy over Individual Vehicle Insurance

Almost every business uses commercial vehicles to run its business operations efficiently. Like any other physical asset of the business, these vehicles are very valuable and should be insured. When it comes to insuring the commercial vehicles, business owners have two options. They can get individual insurance policy for each vehicle or cover all the vehicles in one comprehensive insurance policy. In this article, we will discuss on this topic in detail and see which one is better.

One thing is for sure, you should get your commercial vehicle insured. According to Continuous Insurance Enforcement (CIE) law, every registered vehicle must have valid insurance at all times. This law in UK, states that it is an offense to keep vehicles without insurance and a huge penalty will be imposed on vehicle owners for not having insurance for their vehicles.

Though this law is not introduced in Northern Ireland, still it is mandatory to have adequate insurance cover for any motor vehicle that is used or left on a public highway. So, if your business uses vehicles, it is legally necessary to have vehicle insurance.

Motor fleet insurance policy Now that we are clear about the importance of insurance policy, we need to look for the options. As discussed earlier, we can either take individual insurance policies or go for a single policy, where several vehicles of any type are covered. Also called as motor fleet insurance, the latter one is a good option for companies having four or more commercial vehicles. However, the former option (individual insurance policy) is suitable for businesses with one or two vehicles. If your business has more than three vehicles, consider choosing motor fleet insurance. Here are its benefits.

Benefits over individual vehicle insurance policy There are many benefits of fleet insurance policy over individual vehicle insurance. This policy simply ensures that each and every vehicle of the business is outlined in a single policy.

Avoids the hassles of handling different insurance policies: Fleet insurance not only provides the benefit of covering all vehicles under a single policy, but also helps you stay away from the issues that arise while handling various insurance policies. You need not worry about the renewals of each and every individual policy of different vehicles. It is easy to handle fleet insurance – all vehicles will have single renewal date; single set of options and conditions; same process to claim, etc.

Provides coverage for the insurer/driver: Many fleet insurance policies also cover the insurer/driver, which is a must have in todays environment. Also there are cost implications to fleet vehicles with younger drivers. So, the premium rates may depend on the scope of the driving restrictions requested.

Saves time and money: Motor fleet insurance provides major benefits in terms of money and time. Since many vehicles are covered in a single policy, the premium will certainly be less than the sum of individual insurance policy premiums. Since all vehicles are covered under one policy, you can save a lot of time on tracking and maintaining various policies.