Graham Hill's Newsletter

& Deal Of The Week For Readers Of IFA Bonus!

Important!  We have a car that is capable of sponsoring films on TV, the Kia Ceed. Kia has gone up in many peoples estimation as along with its sister cars Hyundai they sold more cars throughout the scrappage scheme in the UK than any other. They are regarded as good cars these days, especially when they jumped ahead of Ford in the list of largest car manufacturers in the world. The car we have on offer is the Ceed diesel station wagon (estate) and comes nicely spec'd with alloy wheels, air con, and loads of features, all for less than £200 + VAT per month. The cars include metallic paint and are the more environmentally friendly Ecodynamic. The best news of all is that we have cars in stock. So if you are looking for an estate that will be cheap to run, has some nice features, looks good and is available from stock this is the car for you. But at this rate cars won't be around for long. Look out for the Passat CC below which we have been promoting for the last 2 weeks, the deal ends next Tuesday so if you want one of these fabulous cars you will have to get in quick!

Kia Ceed 1.6CRDi 2 SW Ecodynamic Estate Manual (inc metallic)

Contract Hire Rates

Based on 3Years(3+35), 10,000 miles per annum and do not include maintenance

5Dr Estate                                         £199 + VAT per month

Please Note:

You keep the car for the full term. You pay an initial payment equivalent to three times the monthly payment followed by a monthly payment for each month to the end of the term, all figures are plus VAT. If you would like to fund the car personally or you are not VAT registered simply add the VAT to the monthly figure. If you exceed the contracted mileage you will pay an excess mileage charge at the end of the agreement.

Other mileages are available if you feel you will cover more than 10,000 miles per annum.

We still have available:

We also have available (Deal Of The Year) - OFFER ENDS 31/08/2010:

Contract Hire Rates (Business Only)

CC 2.0TDi                                                 £239.99 + VAT per month

There is a documentation fee of £150 to pay

THE IMPORTANT STUFF

After reporting that many councils were planning to shut down their speed cameras, after the government announced its £38 million cut in road safety grants across the country, Mick Giannasi, head of road policing for the Association of Chief Police Officers, threw a spanner in the works by claiming that speed cameras were a big reason why deaths and serious injuries had been halved from 8 years ago. He went on to say ‘Road safety camera partnerships have achieved significant reductions in road casualties.’ As a result Giannasi has written to Government ministers to warn that casualties would rise again if speed cameras were switched off. Meanwhile Cambridgeshire Chief Constable, Julie Spence said that speeding was the worst kind of anti-social behaviour of the middle classes. I’m sure she meant of the crimes committed by the middle classes rather than attributing most speeding violations to the middle classes. What do you think, do speed cameras really work?

Two brothers have finally been jailed after being found guilty of staging 93 smashes at Eden Point in Stockport in Cheshire. Is it me or don’t you think that a couple of alerts should have sprung up somewhere after half a dozen similar incidents happened at the same spot? Ninety bloody three – what was going on? The brothers, Rehan and Rezwan Javed ran North West Claims Centre in Burnley. They paid crooks £500 to stage accidents that would lead to expensive personal accident claims. The crooked drivers would stage an accident after disconnecting the brake lights, stop suddenly in front of a vehicle then con the driver of the innocent car into believing that they were at fault. Following the accident the brothers’ dodgy claims outfit created bogus invoices for recovery, salvage and a courtesy vehicle. These invoices would be passed on by the innocent drivers to their insurance companies who then tended to pay out. Have you been involved in what you believed to be a staged accident? If you are suspicious make sure that you call the police, they are as anxious to catch these crooks as the insurance companies. One of these days someone in the innocent car will be seriously injured all for the sake of scamming the insurance companies. Have your say.

Graham Hill’s in depth review of a new car this week is of the latest Morgan. Yep they are still being made and boy you should see the latest coupe design. They have certainly moved on from the days when the car was built with a wooden chassis. They have continued the old style of having a +2 four seater. The new model is called an Eva GT and comes with a bonded aluminium chassis so no worries about woodworm any more. The car has amazing lines created by the use of ‘superformed’ aluminium panels. Some of the traditional Morgan features have been dropped with the exception of the slatted grille. The car is powered by a BMW 3.0 straight 6 engine cranking up 306 bhp taking the low weight car from 0-62 in 4.5 seconds with a top speed of 170mph. The engine returns 40mpg – quite amazing really! It also kicks out just 200g/km of CO2’s. If you want a car you will have to move quickly as Morgan only intend making 100 cars.

Do you have a Sat Nav? Does it get you where you want to go by the best route? Apparently not according to a recent survey carried out by Manheim Auctions. Whilst half of all drivers have a sat nav only one in eight of the owners trust them. A third said they managed to get them completely lost with 15% blaming it for causing them to miss an important event. I missed a concert whilst driving my previous car, a BMW, whilst it quite happily sent me round in a loop in the middle of London. Manheim’s Craig Mailey suggests that you don’t follow it blindly and exercise caution. My suggestion is to make sure you check and double check the information you put into the device. Don’t just input the post code make sure that you enter the street as well as a confirmation and finally, keep an eye on the road signs, they are a good indicator that you could be coming rather than going! Two Swedish tourists drove 400 miles off route when they were in Italy because they typed in Carpi rather than Capri! Have you had a bad experience with a sat nav – let us know?

Leading road safety charity BRAKE has warned companies about the dangers of sleep apnoea which can cause drivers to fall asleep at the wheel. Research has shown that as many as 700,000 people may suffer this condition. Brake is calling on the Government to provide funds to enable them to publicise the dangers and how to identify the condition. Brake said that they want to see screening introduced before employees are allowed to drive on company business, especially thos that drive heavy goods vehicles. The full title of the medical condition is Obstructive Sleep Apnoea. The people most likely to suffer this condition are overweight men in their mid 40’s. It is treatable with breathing equipment available through the NHS and targeted weight loss. MP’s are being lobbied to help in raising the funds necessary to make companies aware of the necessity to screen drivers. Have you ever fallen asleep at the wheel? Do you think you may have the condition? Then get checked by your GP.

Just as all our attention is being given to the new electric car initiative, now backed by the Coalition Government it seems that biofuels may be back on the agenda. For those that are unsure biofuels are a mixture of petrol and sustainable ethanol. The standard was known as E85 which means the mixture is 85% ethanol and 15% petrol. When it was being introduced it was at a time when we had massive grain mountains throughout Europe and it made sense to use this over supply to fuel cars in place of petrol or diesel. Unfortunately we then hit a world food shortage and food prices increased by 40% which resulted in many reports being written condemning the growing of plants for fuel rather than food. Whilst Saab Ford and Volvo had vehicles that were able to run on E85 bio-fuel they have since been withdrawn. Having said that, almost 1.5 billion litres of bio-fuel is used each year in the UK, 3.3% of all road transport fuel. Unknown to many is the fact that all petrol and diesel contains up to 7% bio-fuel. The bio-fuel is blended before it reaches the pumps. According to Renewable Fuels Agency (RFA) this has cut carbon output by 51% or the equivalent to taking 500,000 vehicles off the road. The reason why bio-fuels has raised its head again is that third and fourth generation bio-fuels uses bi products of current land crops rather than the land crops themselves denying us of food. Products such as wheat straw, residues from sugar beet processing and all off cuts from the wood industry are now being used. Its no longer a case of food or fuel but food and fuel. However, there are no plans to re-introduce bio-fuel cars until it is available widely and the Government gets behind it. Having said that, current cars can be modified at minimal cost to run on bio-fuels so this may be the short term way forward. In Europe we are now falling well behind other parts of the world. In Brazil there has been consistent state support over three decades. It is now argued that Brazil now has the greenest transport system in the world. The US is getting behind bio-fuels so shouldn’t we be doing the same? Do you use bio-fuel? What problems have you had to deal with?

If you have a few quid in the bank and like to break speed limits you would be well advised to avoid Switzerland where a motorist, driving a Mercedes SLS- AMG has been landed with an eye watering fine of £538,000. Yep it’s true, he was finally clocked doing 186 mph on the A12. I say finally as most speed traps that he passed have a limit of 125 miles per hour. The 37 year old was doing more than twice the legal limit. The huge fine came about because in Switzerland they have a strange way of calculating fines based on the speed and the driver’s income – rather novel. And what was the reason for this very high speed? According to the police he said that the speedo was faulty! An easy mistake to make in my book, 186 must have felt like 80mph. Ever had a big speeding fine and would like to share the experience? Let us know?

Which car had the biggest recall of the year? Toyota? Did you say Toyota? Then you are wrong! Amazingly, thanks to the press and other media you would easily believe that a Toyota car had the biggest recall in the UK following the problems they had with stuck accelerators. But it turns out that it was another Japanese car, a Honda Jazz which had 171,372 cars recalled as a result of a leak that could cause a fire in the electric window switch. Renault recalled 66735 Scenics as a result of an electric parking brake problem. In total Toyota have had 176,861 cars recalled but these include Aygo, RAV4, Avensis and Yaris models. However, Toyota are still insisting that the problem was either driver error or miss-fitting carpet mats. After official investigations carried out in the US 35 of the 58 cases found that the accelerator pedal had not been touched. In-car black boxes revealed that in another 9 the brake pedal was hit at the last minute. Analysts suggest that this was as a result of drivers hitting the accelerator by mistake. So was it an electronics fault as was claimed at the time or not as Toyota have claimed all along? Have you had a problem, please let us know?

This week our gadget of the week should be called dopy gadget of the week or more money than sense gadget of the week. It’s in fact a polish for your car, priced at, wait for it, £275 for a 270ml pot or a pound a millilitre! The polish is Raceglaze’s Signature Black Label Wax which contains a high content of carnauba, apparently one of the most prized car care products – bit of an understatement that one! But the best is yet to come, the ingredient comes from Brazil and is claimed to give a superior finish. But best of all it undercuts similar rivals claiming to contain 66% carnauba, which sell for up to £2,000! There’s more but I don’t want to talk about this any more. You can visit their web site here: www.raceglaze.co.uk

Finally drug driving which is considered as dangerous as drink driving and punishable by exactly the same penalties is being targeted by the police as an area where more accurate technology is needed. As a result a new ‘drugalyser’ has been developed and will be in all police stations from 2012. The analyser will test drivers’ saliva and make it easier for police to prosecute drivers who drive whilst high on illegal substances including cannabis, cocaine and ecstacy. Changes to the law will also mean that police won’t need permission from a doctor to carry out a blood test. Last year a survey carried out by the RAC found that 12% of young motorists believed they were fit to drive after taking class B drugs such as cannabis. What do you think is worse, driving under the influence of drugs or alcohol?   

If you would like more information, a quote on a higher annual mileage 

or finance application form please contact me on:

ifabonus@ghafinance.co.uk

Telephone: 01444 235132

Do you understand all there is to know about car finance?

Is a personal loan better than HP?

Do you know where to find the cheapest guaranteed used cars?

Why can leasing a new car be cheaper than owning a used car?

Answers to these questions and many more are in my ebook:

Click the book title to link to the sales page

Thank you for your time, I look forward to hearing from you soon. Oh and feel free to 'forward to a friend'.

Sincerely,

Graham Hill

01444 235132

P.S. If you would also like some free car finance training videos and a guide to avoiding identity fraud, click here: www.videotrainingonthenet.com