Buying a car with a budget of only RM65000 ++ in Malaysia

I was thankful that once we came back to Malaysia, a lot of people have been helping us out, especially our parents. Initially, we used my mother-in-law's old Proton Wira and later on was my dad's old Wira, which I am still using. Since both my wife and I are working and not at the same place, we needed to have two cars as I could not send and pick here up from her office. We start looking around for cars here and we decided to live within our means and set out a budget of RM 65000 for the new car. My wife also had one condition - that the car must be automatic as she was still recovering from her leg fracture. We also did not want a small Perodua car and we came up with a list of cars (in the so called popular B-segment) which we could buy with our limited budget, namely:

1. Honda City (starting at RM75800)
2. Toyota Vios (starting at RM73213)
3. Nissan Almera (starting at RM66827)and
4. Proton Preve (Starting RM61471)

Looking at the list, we realised that we could only afford the Proton and if we wanted a better car, we would have to increase our budget.
After driving a Volvo S40 in the UK for several years, we were not really looking forward to driving a Proton. However, the more research I did about the Proton Preve, the more impressed I was with the model. We went to see it at the Proton showroom near our house in Taman Megah, PJ and we decided that the Proton Preve Premium version was what we wanted. However, it was still beyond our budget at around RM72K (approx. £13650).

We were very fortunate because Proton suddenly announced a Merdeka/ Hari Raya discount of 5% across their complete range of models. This suddenly brought the Proton Preve Premium version within our range at around RM68,000 (solid colours) and really great value as it has loads of features not present in the basic Honda, Toyota and Nissan models. This includes a Turbo engine, touch screen with built-in sat-nav, 6 air bags, push button start, automatic lights and wipers, etc.. The offer also included 3 years free service and range of gifts including free in-car wifi hub with access for a year, free SmartTAG, full tank fuel, etc.

So that's the story in brief about how my wife ended up with a Proton Preve 1.6 CFE CVT Premium car powered by the Campro CFE 1561cc turbo engine with 7 speed ProTronic transmission and mounted on great looking 17" alloy wheels with 215/45 R17 tyres.

Watch out for a more detailed review of the car later.

(updated 22 October 2014).

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The new BMW 3 series and buying used BMW cars

Last month BMW officially announced that the new BMW 3 Series Saloon would be launched here in the UK on 11 February 2012. There would be be four trim specifications, namely Sport, Modern, Luxury and ES/ SE.

Prices start from £24,880 (OTR) for the 316d ES Diesel model.

In case you were not aware, the BMW 3 series remains their best selling model. Even if you can't afford to buy a new model, there are so many affordable used cars out there in the market. Though you can sometimes get a fantastic bragain from private sellers, there are several risks involved. It is always better to buy from trusted dealers as they offer several advantages over private sellers including warranty, minimum MOT, finance options and also to avoid the risk of being sold a stolen car. In fact there is a large co-operative of Trusted Dealers BMW (used).

The trusted dealers site has a huge range of second-hand BMWs for sale which you can search by post code and your budget. So if you are thinking of buying a second hand BMW 3 series model from a trusted dealer, check out Trusteddealers.co.uk

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Appearance Improvements for Your Vehicle

Every driver has a vested interest in keeping his or her vehicle in the best-looking shape possible. Whether it’s for keeping up appearances or prepping the vehicle for resale to a potential buyer or a used car dealer, the way a car looks matters. If you are unsatisfied with the current condition of your car’s exterior, consider pursuing several of the following upgrade ideas, many of which may help enhance the aesthetics of your vehicle. After all, if you’re going to be caught driving something on the road, you want it to be something that makes a positive impression at first glance.

Lighting
Poor lighting may be dangerous when driving, but it can also be disastrous to a car’s appearance. Cars with dim headlights and broken tail lights don’t inspire much confidence for potential buyers, and they can make a car appear prematurely older than it actually is. From yellowing headlight casings to malfunctioning tail light bulbs, you’ll want to replace any car lighting components that can cause a dent to your vehicle’s reputation. For easy headlight upgrades, try HID headlights, which can be customized by color and which also shine much brighter than a typical halogen headlight array. For tail light modifications, go with bold and modern LEDs.

Grille
The front grille on a car may be a rather small component in comparison to much larger pieces on the car’s exterior, but the grille is the focus of many people’s attention as they pass by your car. That’s because the grille sits front and center on your car, making it a pristine visual centerpiece when properly cared for. If your car’s front grille has been damaged in an accident, or simply just hasn’t aged well, you can replace it with plastic, billet or stainless steel grilles.

Windows
Windows that are scratched up, cracked, or just really dirty (dirty to the point where taking the car through a car wash isn’t enough to clean them) aren’t going to help you sell your car, and certainly won’t make a positive impression as you continue to drive it. For easily impressive windows, try using a window tint kit. Dark windows increase the privacy of your car’s inside space while also making your car look more upscale on the outside, so there are benefits abound from this single upgrade. Just don’t forget to apply each tint evenly before going forward. Also do not forget to check the legal requirements in your area.

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Getting the best deal on your car insurance

Do you know how to get the best deal on your car insurance?

If you drive, you need insurance. That’s a simple fact of life that all motorists have to budget for every year. Thanks to Internet online comparison sites, it’s never been easier to compare car insurance quotes online and get the best deal. But do you know what to look for when you’re scanning through pages of suppliers and tempting new deals?

It’s not just about the price

While the temptation may be to go for the cheapest quote, before you click ‘OK’, have a good look at the fine print. That cheap quote may have hidden extras attached to it, like a hefty excess or additional charges for breakdown recovery. Does it include windscreen cover and insurance for your possessions? Before you sit down to compare car insurance quotes, decide what you want from your insurer, how much cover you actually need and how much excess you’re prepared to pay.

Sticking with the devil you know…

The easiest option may be to stay with your current insurance provider. After all, it’s just a simple matter of renewing your policy, and you’re bound to get a better deal after a year’s no claims, right? Well, not necessarily. While your current insurance provider may offer you a perfectly good policy, there’s a good chance you’ll be able to get the same deal at a cheaper price if you shop around. And don’t be afraid to haggle with your current insurer. They don’t want to lose your business, so you’ll be surprised just how open they are to a little bit of gentle persuasion, especially if you’ve found the same deal for less by comparing car insurance prices online.

Won’t swapping affect my no claims bonus?

Many motorists are concerned that if they swap insurance providers, they’ll lose the benefit of their no claims bonus. However, some insurance companies will give you a discount on the cost of your policy if you have a history of careful driving. Check that they’ll add any no claims bonus you have to a new policy and avoid ‘starting all over again’.

By using online websites to compare car insurance, you can keep the cost of motoring down in what are increasingly expensive times

Used Cars to Avoid

Moneywatch.com has come up with an interesting list of used cars to avoid. Some suggestion in the same range are also given.

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UK Insurance tips

Talking about my driving experience in Malaysia to some friends. I was relating how much fun it is to drive in Malaysia even though I could only afford a Proton, the national car as imported cars had a tax of up to 300%. At that time petrol cost me less than RM1per litre (approx 20p), though I heard that it has now increased to around RM2 (approx 40p). Compare that with £1.20/ litre in the UK now.

Furthermore, the car insurance was pretty cheap  and if you didn't have any accidents, it becomes cheaper every year. Here in the UK, I have no idea why, but the insurance we pay seems to increase very year. It has gone up from around £300 to £700 now. We have had no accidents in the past 4 years and there is no logic but everyone I talked to told me the same thing and the amazing thing is that people grumble but just pay up in the end as they have no choice..

I recall that the insurance companies once increased the car insurance of everyone here in the UK across the board due to the fact that there had been floods the past year and a large number of cars had been damaged. In other words, they just transfer the costs to the customers.

I used to think that privatisation and lack of governmental control would lead to better customer services and a customer friendly industry but apparently this has not happened and probably the Government needs to come in with some customer friendly legislation and regulations.

Anyway, there are still some great insurance deals out there on the net. You just have to look for it. However, this is easier said than done. Click here for the cheapest auto insurance tips . These might help you lower your premium a bit. For example, it might be a good idea to look at the cars targeted the most by the thieves.

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How to reset the service indicator on the Volvo S40

I serviced my car a few weeks back at my favourite garage "MOT Centre Services" in Stoney Stanton Rd which was previously known as Taxi & Car Repairs.

I was about to drive away after the service when I noticed that the service indicator light was still on. This warning light comes on to indicate that it was time to service the car.

They told me that they had not been able to shut it off. Something about not have the proper software or something.

Seeing this warning every time I started the car was really irritating. I was tempted but didn't go to TMS Coventry, the official Volvo dealer in Coventry as I knew that they would charge me a nice "official" price just to reset it and I would probably have to leave the car there for a whole day.

I don't know why but it never occurred to me to look it up on the net. It was only this Monday I suddenly remembered my car and Googled "reset service indicator on volvo s40" and discovered that I could reset the service indicator in just 4 steps:

1. Turn Key to position I (Intermediate position)
2. Push in the tripmeter reset button while turning key to position II (Drive position).
3. Hold down the tripmeter reset button until service reminder starts flashing (about 30 seconds)
4. Release the tripmeter reset button.

I didn't get it to work the first time but after the third try, the indicator light just went off.

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Tips for a Buying a Used Vauxhall Corsa

When the Vauxhall Corsa hit the British market in 1993 replacing the popular Nova, people who were looking for style, class and power bought it. However, the subsequent years that followed saw heightened competition from other car models and they had to improve on the previous model in 2000. Sales of the car are still high and up to date, the Vauxhall Corsa has the ability to hold attraction and deliver power on the wheel. If you are looking forward to buying a used Vauxhall Corsa , then there are certain things that you have to take into consideration to make an informed choice.

The first thing that you'll have to look for is the petrol engine mainly because they come in different versions and while there are those that run effectively, some are prone to producing unnecessary noise. Engine capacity of 1.4 would be suitable for any level of speed while those with 1.0 to 1.2 are weak and when driving at high speed susceptible to emitting noise. Some of the best used Vauxhall Corsa models include the SRi and the VXR which have a high capacity petrol engine.

The second thing that you have to check when buying a used Vauxhall Corsa is the petrol costs you are going to incur in the long run. While the 1.4 and above petrol engines are the best at ensuring that the car is powerful and not noisy, it’s the 1.3 petrol engines which use less diesel averaging to 63 mpg and fall in VED band B, on the other hand, others like the 1.0 to 1.2 use 50.4 and 45.6mpg and fall in the VED band C category. This is why you have to weigh your options carefully before buying a Vauxhall Corsa to establish if a specific model’s cons outweigh the pros or not.

You'll also have to consider the source you intend to buy the used Vauxhall Corsa from. While most people tend to settle for individual sellers, the truth is that if you are able to get franchised sellers, then the price will be cheaper. To ensure that you are not paying too much for your Corsa, check the model of the car. For instance, it is important to note that 5 door models are more expensive than 3 doors and this roughly amounts to £350.

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Finding the Best Car Insurance Deals Online

It is amazing how much of our lives are dependent on technology today. Just a little over a decade ago, we were only becoming slowly accustomed to the Internet, what was famously referred to as the Information Superhighway. Today, we don’t just have email accounts, we have social networking accounts, YouTube, Amazon, and Google Earth. You can just as effectively shop online as you would at the mall, and all it takes are a few clicks. You can employ the same method, whether your purchase is small or big, cheap or expensive. Shopping around for the best car insurance deals is no exception.

The Web is teeming with online car insurance companies offering their services and so many to choose from. The challenge, however, lies in sifting through all of them and finding the one which is ideal for you.

You should compare quotes from different vehicle insurers, and this can be done by filling out forms on their websites and/or using a comparison website. You might be asked to provide information about yourself, your vehicle, and your driving history, as these details will help determine the level of coverage you can be offered, hence determining the quote you will be given.

Apart from getting quotes from individual insurers, you should definitely research the companies that interest you. Geico, GMAC, Progressive, AIG, Liberty Mutial, and All State, are among the most reputable auto insurance companies in the US, but remember that bigger is not necessarily better, so an insurance giant might not necessarily be your perfect match. Browse through insurers’ websites and go through car insurance reviews and testimonials of insurance experts and other insurance coverage seekers like you. Find out what discounts they offer on their insurance policies because you might be eligible for the good driver, safe vehicle, good student, senior, low mileage, rural, occupational, auto club or professional organization membership discounts.

The great advantage to purchasing your car insurance online is not just the ease by which you can accomplish this, but also the fact that you may get a discount with your insurer just because you made your purchase online. You may get money off your yearly premium, no claims discounts, or free breakdown assistance. The web is indeed the best place to search for the best auto insurance deals.

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Being well groomed will take you places

How often have we heard the saying "the first impression is the last impression". Well, a survey commissioned by Gillette and conducted by Harris Interactive, confirms that it is true.

One of the most critical grooming cue for making a good first impression was having a clean-shaven face. Other no nos include body odour or sweat stains. Also make sure you wear good fitting, nicely pressed and and appropriate clothing as well.

Apparently it's not just the first impression that matters. Being well groomed may very well help you in your career and get the sports car of your dreams. I am not joking. According to the survey, most HR professionals agreed that well-groomed employees do better in the corporate race as compared to those who don't take care of how they look.

So if you are one of those who never bothered to look in the mirror while going to work, you should be worried. Especially in these bad economic times.

However, hope is on the way. You may not only keep your job but get that Ferrari as well. Gillette has launched Gillette Career Advantage on their website and you can get expert advice from career expert Mark Jeffries and GQ style correspondent, Brett Fahlgren.


Brett Fahlgren

On the site, you can take the Gillette career quiz and find out what HR professionals really think.

For more information of what Gillette has to offer for you and to read the survey findings, visit the Gillette Resource Center. Loads of other useful resources as well.

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Buying a used car - my experience 1

Buying a used car is a tiring and frustrating task. I have learnt that over the course of thiese few day. Ever since my car broke down along the A14 and I found out that repairing the engine would cost me more than the value of the car, I have been looking for a good used car.

Besides looking at the newspapers (where I didn't find anything I liked) I also went to the Auto Trader site. Initially I looked for private sellers listing their Toyota Avensis but all the good ones (read best prices) had already been sold. It's amazing how popular this model is here in the UK. My next choice was the Nissan Primera because of the good review. I usually refer to Honest John which lists1200 comprehensive car reviews. Coming back to the Nissan Primera, it was my choice because it receives quite favourable reviews. However, every single one I liked on the Auto Trader site was beyond my budget (which is not really much to start with).

A relative living in Birmingham gave me some leads around Birmingham. My friend Ishan kindly consented to drive me around. My first car was a Nissan Primera at a car dealer in Solihul. I didn't like the car the first time I laid my eyes on it. It was in a really bad shape and when I gave it a test drive, it had a really unbearable odour inside. I don't need to tell you my decision.

Next was a 1.8 Turbo Diesel in Birmingham. I really liked it but the guy who was selling it really talked a lot and it was really suspicious because the price was too cheap. He seemed over eager to get rid of the car as well. Never-the-less I decided to buy the car and gave him £70 as deposit after agreeing on a price. However, I just couldn't get rid of this nagging feeling. 

I had passed over the details of the car to my wife and I didn't know it but she had done a check on the car's history on the RAC site. You have to pay £5 but you get to learn some important details about the car. In this case, she discovered that the car had previously been involved in an accident and had been recordered as a total loss by the insurance company. It was listed as a category D "Vehicle damaged but repairable - the insurer decided not to repair". Not all category D cars are bad but I was not willing to take the chance and turned back at once. The guy agreed to give me back my deposit and he looked really miserable and I pitied him, but I had no choice.

Now it was back to the Auto Trader site and I widened up my option. I started looking for Ford Mondeos, VW Passats, etc.

To be continued in next post...

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