Just final week, Lamborghini showed us how super hot its Aventador SV—or “Superveloce”—model appears. Lamborghini also told us how super strong it is, with its 740 horsepower and 509 lb-ft of torque. We also discovered out how super fast it’ll go (217 mph) and how super quick it is, hitting 62 mph from rest in just 2.8 seconds. Now, we’ve discovered how super costly the Aventador SV will be when it goes on sale in America later this year.
The cost? A cool $ 493,069, even though that does incorporate the $ 3700 gas-guzzler tax and the $ 3495 location and delivery charge. That’s nearly $ 100K more than the workaday, $ 400,995 Aventador.
But such is the value for this exclusive, track-oriented brute, which is basically a Veneno wrapped in Aventador skin, with an interior lined with suede and carbon-fiber fabric, and packing 49 a lot more ponies to support you shave a couple of tenths from your zero-to-60 times. For the Aventador SV, the window sticker is just one a lot more in a extended list of superlatives.
In July 2005, legislation came into effect to enable several Australian workers to actively select the superannuation fund into which their super contributions (SG) would be made. Whilst the choice of superannuation fund initiative gave workers the energy, the actual decision of a fund became extremely complicated with a huge number of items, such as retail and sector funds, vying for the consumer investment dollars.
Nonetheless, a proactive selection early in your working profession has the possible to substantially enhance your retirement nest egg. Right here are some essential concerns to ask when picking a super fund.
Does the super fund have competitive charges?
Administration and fund management costs can differ widely from fund to fund and from investment choice to investment option. While an additional .50% of costs may possibly not look quite a lot when your account balance is little, that extra fee margin can add up to a large dollar worth as your account balance grows.
Example:
Age
25
25
Salary
$ 50,000 indexed at 2.5%
$ 50,000 indexed at 2.5%
Superannuation contribution
10% of salary
10% of salary
Superannuation earnings
7% per annum
7% per annum
Annual costs
1% of account balance
1.5% of account balance
Account balance at age 65
$ 762,162
$ 675,500
Does the super fund have a excellent selection of investment choices?
Superannuation is simply a tax structure within the Australian Taxation Office guidelines. It is the underlying investments that you decide on to hold inside that structure that will figure out the overall performance of your investment. Those investments could range from cash, bonds, home, Australian shares or international shares, or could be a mixture of all these asset classes. Seek specialist superannuation guidance on what asset classes would suit your scenario, and ensure that your superannuation fund of choice has one thing appropriate.
Does the super fund have a good lengthy-term track record?
Whilst past performance is not a guarantee of future efficiency, a good long-term track record generally indicates an experienced management team and solid prudential oversight. A very good lengthy-term return will enhance your retirement nest egg and even a 1% distinction can add up to a lot of cash by retirement.
Example:
Age
25
25
Salary
$ 50,000 indexed at 2.5%
$ 50,000 indexed at 2.5%
Superannuation contribution
10% of salary
10% of salary
Superannuation earnings
7% per annum
8% per annum
Annual charges
1% of account balance
1% of account balance
Account balance at age 65
$ 762,162
$ 921,145
Supply: canstar.com.au
What insurance coverage options does the super fund supply?
In terms of private insurance coverage, the Economic Services Council estimates that up to 95% of Australian workers are underinsured. Several superannuation funds offer a level of private insurance cover and the premiums can be very cost-successful. The varieties of insurance that may be integrated in your superannuation fund are:
What other solutions does the super fund offer?
Can you transfer other superannuation funds into your account? Can you access your account particulars on the internet? Is it effortless to make additional contributions into your account? Does the fund supply the choice for personal financial organizing tips? Does the Fund provide member education, retirement preparing, on the web superannuation calculators …
There are a wealth of other services that may be essential to you. Make a checklist of what these services are and ask your fund no matter whether it supplies them.
Importantly, once you have selected a good top quality, low-charge fund that suits your wants, take action to consolidate your other super funds within it. And don’t neglect: your superannuation is your funds. Researching your choices and deciding on a super fund to suit your needs is worth the effort.
According to a recent report by the Australian Taxation Workplace (ATO), Aussie workers are nonetheless wasting lots of cash on the costs attached to duplicate superannuation accounts, with an estimated 45% of workers getting far more than one particular super account. CANSTAR asked business funds giant AustralianSuper for some thoughts on why we finish up with duplicate accounts and some issues to take into account when picking a super fund.
On why
“The job market is significantly more fluid than it utilised to be, which means individuals alter employers much more frequently,” mentioned AustralianSuper spokesperson, Dean Felton. “Unless they ask their new employer to spend their super into their existing fund, their cash will automatically go into the employer’s default fund. So the employee ends up with a new super account every single time they modify jobs. That signifies they’re paying charges for every single account, which eats into their total balance.”
For the vast majority of workers there is no want for this duplication, thanks to decision of fund legislation, which has been in existence for almost a decade. If you have a lot more than one particular super account, it is critical to consolidate them so you pay only one particular set of fees.
“That’s less complicated than it sounds,” adds Mr Felton. “Your super fund will aid you, or you can visit the MyGov website, and do it oneself.”
1 challenge for all super funds is to actively engage with their members those just starting out in the workforce as well as these who are closer to retirement. So how does AustralianSuper get its members engaged?
“Super is 1 of those factors most folks do not believe too much about until they get closer to retirement,” admits Mr Felton. “But at AustralianSuper we work difficult to make certain our members know how to make the most of their super. Factors like combining a number of super accounts into one to avoid unnecessary charges and creating extra voluntary contributions over and above what their employer puts in. For instance – a 25 year old worker who begins placing in just an added $ 50 a month will end up with about $ 175,000 a lot more in their super payout at retirement.
“We also hold in touch with our members by holding member briefings each year, by way of social media platforms like Twitter and Facebook, and through community events like the AustralianSuper Corporate Triathlon Series, and our sponsorship of the Young Achievers Profession Kick Commence Award.”
Factors to verify when joining a fund
For these workers who do not just join the default employer fund when they begin a new job – and hopefully that is a proportion that will continue to increase more than time – what are some of the functions that need to be on their superfund purchasing list? According to AustralianSuper, investment functionality over time need to be an crucial factor.
“People must shop around to make positive they’re investing their money wisely. They need to certainly appear for a fund with low costs, but the most important aspect of any super fund is its investment overall performance more than time,” said Mr Felton. “For instance, AustralianSuper’s Balanced Fund has returned on average much better than 10% each and every year to members more than the past 5 years.
“As nicely, people need to think about the level of life, disability and income protection insurance coverage their fund gives, no matter whether that is suitable for them, or whether or not they want far more. And of course, a lot of folks appreciate the safety of understanding their income is invested with a quite large fund like AustralianSuper, which has 2 million members and manages far more than $ 80 billion of members’ cash.”
Put seeking right after your retirement nest egg on your “to do” list this year – preferably this month. Check out CANSTAR’S Superannuation Star Ratings report here and, if you are one particular of the 45% with much more than 1 account, read much more about how to locate lost super here. here.
Final year, 16 car commercials ran throughout the Super Bowl. This year, as of a couple of days ago, only 9 had been scheduled. Traditional heavy hitters like Ford and Audi decided not to participate for a quantity of causes, ranging from sturdy sales (2014 was a fantastic year for vehicle sales, and January volume was up 13 percent versus a year ago) to the truth that there aren’t a lot of new, mainstream product introductions proper now. And then there was the extremely high price: The peak cost for a spot in Super Bowl XLIX was $ 150,000 per second—that money pays for a lot of digital advertisements and assorted social-media initiatives. But then something happened (drastic rate slashing, maybe?) and the floodgates opened. In the finish, nearly as numerous auto spots ran in the course of this year’s game as final year. To maximize the buzz, a lot of of the originally planned ads have been released online at least a week ago. In truth, we’ve reviewed a number of them currently, but right here are our final assessments of the group, listed alphabetically inside our categories of the Greatest, the Worst, and the WTF.
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BMW: “Newfangled Idea”
If BMW desires us to think that the i3 is the largest game changer since the web, this engaging, tongue-in-cheek piece of messaging gets the job accomplished. Alternatively of going all critical with Teutonic technobabble, the agency (kirshenbaum bond senecal + partners) used Katie Couric and Bryant Gumbel’s self-effacing humor and a effectively-identified YouTube clip to win some hearts and minds and develop interest and awareness. But they shouldn’t have ended it with that awkward twerking reference, which was creepy to say the least. Complete AD Evaluation | BMW i3 COVERAGE
Dodge: “Born Dodge”
This is hands down the ideal vehicle industrial of this year’s Super Bowl. Not only does it match nicely with the well-known Dodge Brothers campaign, it manages to elevate the whole spirit of the brand to an enviable spot: With age comes wisdom, and if you are fortunate adequate to reach 25 (as Dodge and most of the individuals in this industrial have), you have learned some life lessons worth listening to. These people are passionate, compelling, and downright cool, and what they have to say is smart indeed: “Live for now, since life is excellent . . . there are miracles all about you . . . inform it like it is . . . don’t bitch … keep the pedal to the metal . . . live quick . . . and never, ever overlook exactly where you came from.” Still not convinced old folks rule? Check out the dude’s hand gesture as he peels out in the Challenger in the last frame. Wonderful stuff. DODGE CHALLENGER COVERAGE
Fiat: “Blue Pill”
If Fiat’s cars had been as superb as its commercials (most of them, anyway), nobody would get yet another Mini. This a single sets a higher-water mark for making use of an analogy to make its point: Soon after “ingesting” some Viagra, the new Fiat 500X is “bigger, more powerful, and prepared for action.” What double entendre didn’t you comprehend? And even though this spot could have been shot in the U.S. to save a few bucks, the over-the-best on-location execution is nicely worth the investment, as it reinforces the brand’s heritage and provides permission for the spot’s risqué message. Complimenti, signori. FIAT 500X COVERAGE
Kia: “Perfect Getaway”
Pierce Brosnan, dramatic areas, on-point camera work, and exceptional direction make this industrial feel like a tiny Bond movie in its own correct. In truth, I find it tough to not like, even though virtually any other AWD SUV could have been substituted for the Sorento. But, hey, that could be mentioned for half the vehicle commercials out there, and it can not pretty be held against Kia. And when the Sorento is shown, it appears classy and up to the process at hand. To the extent that a Super Bowl commercial’s “success” is based on likability—and we know it is—this 1 deserves high marks. Complete AD Overview | KIA SORENTO COVERAGE
Lexus: “Let’s Play”
You show me a auto guy who does not get a kick out of this industrial and I’ll show you a vehicle guy who’s lying about getting a auto guy. It’s like Lexus shrunk Ken Block and stuck him in a radio-controlled RC350 and gave him courage pills. The actual “driving” was completed by the hooners at Drift 44, who have (as the kids used to say) mad capabilities. I watched the spot about a dozen occasions and could have watched it some much more, but I had to get this report filed. Will it sell 1:1-scale RC350s? Who knows. But it positive will get the auto some consideration. LEXUS RC COVERAGE
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NASCAR: “Gut Check”
For numerous fans, NASCAR isn’t just about automobile racing—it’s a very good excuse to sprawl in front of the Tv set all Sunday afternoon and consume beer, meat, and sundry snacks, and who embodies that philosophy better than Parks and Recreation’s Nick Offerman? NASCAR thinks he makes a fantastic spokesman for the series, and we agree. In addition to Offerman’s considerable acting expertise and bodacious nasal hedge, the spot makes use of clever copy, funny visuals, thumpin’ music, and bangin’ racing footage to entertain and delight, all to make us embrace that most American of mechanized sporting pastimes, NASfreakin’CAR! (Fascinating note: The version that aired deleted the—ahem—controversial gluten reference in favor of mashing together the 2 cuts embedded above.) Full AD Overview
Nissan: “With Dad”
Toyota can talk all it wants to about getting bold, but this oddball Nissan industrial goes way out on a limb by depicting a quite significantly absentee father in a campaign that claims to be about fostering father/kid relationships. Harry Chapin’s “Cat’s in the Cradle” has a clear message: If you’re not around when your children are growing up, they won’t be there for you when you get old. But in spite of the reality that the father in this industrial puts racing ahead of fathering does not maintain it from having a content ending. The point is . . . if you are into racing, like most of us are, this spot serves, for much better or worse, to justify our passion. How numerous weekends did I spend at track days over the years when I could have been playing soccer (or other activities) with my youngsters? If I’m getting sincere, a lot. And as with the Nissan Dad, it all worked out in the finish. (Even even though I never ever drove at Le Mans!) So I believe it boils down to this: If Nissan wants to woo hands-on weekend warriors, this is a compelling industrial. The business just has to be ready to deal with the flack it’s currently getting for this “it’s all about me” execution. And, oh yeah, the all-new 2016 Maxima and LMP race car that debuted during the spot appear pretty interesting. NISSAN MAXIMA COVERAGE
Toyota: “How Excellent I Am”
As a teenager, Amy Purdy suffered a case of meningitis that resulted in extreme organ damage and the loss of both legs under the knee, but that didn’t stop her from winning a bronze medal in snowboarding at the Sochi Paralympics. She’s also a model, effective businesswoman, motivational speaker, and competitive ballroom dancer. And then there’s the Muhammad Ali voiceover. He brashly set the bar higher and cleared it with authority. Collectively, they’re a dream group that oozes self-confidence and boldness, and Toyota is counting on that rubbing off on the new Camry. To the “my automobile reflects my values” purchaser (of which there are millions), it’s bound to have a good impact. Complete AD Review | TOYOTA CAMRY COVERAGE
Honda: “Synchronized Parking”
In Palm Beach, Florida, you can see the Coralytes synchronized swimmers fairly considerably any day of the week. But a fleet of vehicles performing an act of synchronized parking? For that, you require to watch this Honda industrial. It appears that now each and every and every Honda in the lineup comes with a rearview parking camera—which are being mandated by NHTSA in all new vehicles under 10,000 pounds by Could 2018—as regular gear, and this commercial shows them all parking at the identical time. I’m sure some viewers identified this exciting. HONDA LINEUP COVERAGE
Lexus: “Make Some Noise”
Lexus describes this hackneyed industrial thusly: “Introducing the first-ever NX Turbo and hybrid from Lexus. ‘Make Some Noise’ takes a bold, youthful step using NX-generated sound and music video influences to develop a commercial like no other in the automotive category.” Give me a break—this spot is about as old hat as they come. A soundtrack made from the product’s noises? I don’;t forget when Pringles potato chips did that 30 years ago. Kit Kat did it in 2011, and Delta faucets did it in 2013. And cars racing around in a parking garage? The list of these commercials is endless. But, yes, this may well be the 1st automobile spot that shamelessly borrows from Willow Smith’s “Whip My Hair” video, so it’s got that going for it. The NX itself is virtually impossible to see until the finish shot, and the turbo/hybrid news is completely buried. But I’ll grant Lexus this: The industrial is cool. A cool waste of millions of dollars. LEXUS NX COVERAGE
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Mazda: “Penn & Teller”
This campaign genuinely annoys me. It utilizes famous innovators like Thomas Edison, Mia Hamm, and the guy who invented the digital camera to recommend that they had one thing to do with Skyactiv technology when, in reality, even the name Skyactiv has nothing to do with Skyactiv technology. And now they bring in Penn & Teller, 2 well-known magicians, who use an invisible saw that cuts a CX-5 in half to reveal “a refined interior with the performance you’d never ever count on in a CUV.” Truly? At $ 150,000 a second? MAZDA CX-5 COVERAGE
Toyota: “My Bold Dad”
So what is it with all the Dad-centric commercials this year? Nissan has a bunch of “With Dad” commercials each on air (see above) and online, Dove’s “Men + Care Makes Males Stronger” is all about fathers and their kids, and this Toyota Camry industrial proclaims that “Being a dad is far more than getting a father it is a choice to get hurt rather than hurt, to be bold rather than be scared. It is a selection that says you will be there to show them correct from incorrect.” No argument from me about the underlying sentiment, but what does becoming a father have to do with soap or automobiles? For the record, this industrial created my wife cry. I liked the Nissan racing spot far more. Tomorrow, I’ll ask my children what they thought. TOYOTA CAMRY COVERAGE
Mercedes-AMG: “Fable”
If there’s a worse way to introduce the AMG GT S, I can not imagine what that would be. The fable, though well-recognized, is fully irrelevant. Who is the hare supposed to represent? All other competitive higher-horsepower cars? Other, much more potent AMG offerings? And why use animated animals recruited from a kid’s bedtime story? Just to set up the pathetic final line? On the plus side, the reside action shots do show that the automobile itself looks (and sounds) quite damned cool, but why would Mercedes want to trade off extremely costly Super Bowl product footage in favor of a fake possum that says “Wow?” And why would they want to even recommend that AMG owners will do anything (i.e., cheat) to win? I comprehend that the commercial is component of a larger social-media initiative, but certainly a inventive theme that’s more relevant to severe AMG buyers could have been utilised alternatively. Full AD Assessment | MERCEDES-AMG GT S COVERAGE
Jeep: “Beautiful Lands”
In 1956, Woody Guthrie wrote a song about how America “was made for you and me.” Fifty-9 years later, Jeep is utilizing that song as an anthem to sell Renegade crossovers. So far so excellent (assuming the estate signed off on the deal), but why, halfway through the industrial, do the areas shift from the Grand Canyon, California beaches, Manhattan Island, and the Rockies to Japan, the Fantastic Wall of China, Scotland, Australia, and what appears to be Syria? I, um, do not get it. Are we supposed to hop in our Renegades and drive to these places? Are they trying to tell us that America is great but not all that excellent? Are we supposed to rent Jeeps when we travel? Tell our buddies in faraway areas to buy Renegades simply because these Jeeps are created for us and them? A muddled message to be positive. JEEP RENEGADE COVERAGE
Award-winning ad man–cum–auto journalist Don Klein knows a excellent (or undesirable) auto commercial when he sees one particular this is his space to tell you what he thinks of the latest spots. The ad’s rating is depicted on a scale of a single (terrible) to 5 (transcendent), but every person has an opinion when it comes to advertising, so hit Backfires beneath and tell us what you consider, too. And be confident to study much more of Don’s marketing critiques here.
Watching the massive game? Provided you weren’t away from the TV on a nacho/beverage/bathroom run, you just got your very first full appear at the upcoming 2016 Nissan Maxima, courtesy Nissan’s 90-second “With Dad” commercial. In case your eyes were averted, here’s an additional look.
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Catch that deep-red sedan there at the finish? That, friends, is the new Maxima. Here’s the parting shot:
Truth be told, this production-seeking car in this 90-second spot positive looks a lot like Nissan’s Sport Sedan Concept that we very first laid eyes on at the 2014 Detroit Auto Show. At the time, Nissan was adamant that we shouldn’t refer to the notion as the Maxima. Cheeky, Nissan. Go ahead, examine our Detroit images to the vehicle you see above. Even a person as blind as an NFL referee could see the resemblance.
Not in the mood for a Maxima? The undoubted star of the industrial was Nissan’s GT-R LM Nismo, the strangely seductive, front-engine racer that Nissan will enter in the LMP1 class at Le Mans.
Yes, Nissan’s betting huge on a front-engine auto to win in the Prototype class at Le Mans, something that hasn’t occurred in more than 50 years. As for that Maxima? Bet on it getting a extremely traditional front-engine, front-wheel-drive layout.
There are 2 NASCAR Super Bowl XLIX commercials floating about the intertubes, a 2-plus-minute spot and a reduce-down, :30 version. With airtime costing $ 9 million per minute ($ 150,000/second!), it’s almost certainly protected to assume that NASCAR will air the shorter version during the game, but we feel you deserve to see the full-boat version too:
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What We See: Each versions function Parks and Recreation star Nick Offerman with his giant, manly man moustache, advocating for saving America’s fast-disappearing values by watching NASCAR on the NBC Sports Ne2rk (there is no mention of the Fox coverage that begins in February). Visually, it’s pretty much all Offerman all the time, but the background vignettes are packed with uniquely American jingoistic icons: star-spangled thong bathing suits, rodeo bull riding, double-neck electric guitars, victory-lane donuts, giant slabs o’beef on the grill, and, oh yeah, beer. Mixed in with all of this is lots of track action, which includes a Huge Wreck and a scene exactly where Offerman, wearing a now-banned Dale Sr.–style open-face helmet, edges out Kevin Harvick for the checkered flag. The music is rapidly paced, the copy is clever, and Offerman nails each and every line, like rhyming “Busches” with “tuchus” whilst sustaining a straight face.
What We Believe: It’s no secret that NASCAR is struggling to preserve its recognition. Reside-ticket sales have tanked in recent years (some tracks have lowered their seating capacity practically by half since 2008), and Television viewership continued its decline in 2014. Nevertheless, there is a considerable base of die-challenging and possible viewers—a current Harris poll shows that auto racing is more well-liked in the U.S. than either the NHL or NBA. So yes, it’s worth NASCAR’s investment to promote the series, and the Super Bowl supplies a viable target audience.
But is this execution the way to go? For a lot of fans, NASCAR is as significantly about common entertainment as it is about racing. Parks and Recreation had a lengthy run that started in 2009 and continued by means of this year’s final season, and Offerman’s Ron Swanson character was important to the show’s popularity. I believe he tends to make a great spokesman for NASCAR, and if winning the hearts and minds of possible viewers is that organization’s goal, I consider this spot will git ’er completed. That stated, even ahead of the industrial has hit the airwaves, it has already drawn sharp criticism from men and women who are gluten-intolerant, and modify.org has petitioned NBC to adjust or drop the spot. So will that hurt the message . . . or underscore it? What’s your take?
Rating: 4 out of 5
Award-winning ad man–cum–auto journalist Don Klein knows a very good (or poor) automobile industrial when he sees a single this is his space to inform you what he thinks of the latest spots. The ad’s rating is depicted on a scale of one particular (terrible) to 5 (transcendent), but every person has an opinion when it comes to marketing, so hit Backfires under and inform us what you think, as well. And be certain to study far more of Don’s marketing critiques here.
What We See: Shot in what appears like Ari Gold’s Entourage office, we see a really match (the dude is 61!) Pierce Brosnan hearing a pitch from his agent about an upcoming project. Possessing played the likes of Remington Steele and James Bond, Brosnan naturally assumes that this is an adventure thriller, replete with high-speed sports cars, missile launchers, and exploding houses. But in truth, the agent desires Brosnan to star in a Kia Sorento commercial, and the things he will encounter are snowy mountain roads, an owl, and a moose. But that doesn’t hold the spot from obtaining a surprise ending that satisfies Brosnan, who admits to liking “fireworks.” The quick-paced 60 seconds has a lot more than 40 cuts, which consist of the former Bond’s imagined scenes as properly as the “real” ones, generating the spot entertaining to watch.
What We Feel: Clearly primarily based on borrowed interest, this notion could have gone either way, but I think Kia’s agency pulled it off. Credit for that goes to Brosnan himself as effectively as to the other actors, the feature-film-top quality locations, the camera operate, and the director. In reality, I find this industrial challenging to not like, even although practically any other all-wheel-drive SUV could have been substituted for the Sorento. But, hey, that could be said for half the car commercials out there (at least), so it can not fairly be held against Kia. And when the Sorento is shown, it appears classy and up to the task at hand. To the extent that a Super Bowl commercial’s “success” is primarily based on likability, I anticipate this one particular to do properly in the car category. Appear for it to run during the third quarter of the game.
Rating: 4 out of 5
Award-winning ad man–cum–auto journalist Don Klein knows a good (or poor) automobile industrial when he sees 1 this is his space to inform you what he thinks of the newest spots. The ad’s rating is depicted on a scale of a single (terrible) to 5 (transcendent), but every person has an opinion when it comes to advertising, so hit Backfires below and inform us what you consider, as well. And be confident to read more of Don’s marketing critiques right here.
The Superannuation industry presently manages about $ 1.8 trillion of Australian’s retirement savings and a current report released by the Financial Solutions Council and ING Direct found that over 80% of workers acknowledge superannuation as important in offering a comfy retirement. Regardless of this, the report identified that practically 3 quarters of Australians are in their employer’s default fund with only 27% likely to alter their fund provider in the future. These findings are constant with many other indicators in the market that illustrate the disparity among value and action when it comes to superannuation. It’s my belief that the driver of this disparity is mainly influenced by the perceived complexity of Superannuation but like all complicated problems, breaking them into element components is typically a great very first step.
Super is a platform
It is essential to recognize that superannuation is a ‘platform’ it’s not a single ‘product’ that is bought. This platform bundles your retirement savings, life insurances and other solutions all together to allow a comfy retirement. Pondering of it in this way enables us to choose apart the component parts and establish what alternative greatest suits your requirements.
2 critical questions
When taking into consideration your retirement nest egg the main questions are:
1) What growth/return am I getting on my funds? and
2) How safe are my funds?
The value of these 2 elements was acutely evident in the expertise of many investors prior to and for the duration of the GFC. In the couple of years prior to the GFC there have been stated to be just 2 varieties of people: those that were generating cash and those that weren’t investing. As soon as the sub-prime market started to collapse returns and liquidity fairly swiftly dried up, the impact on numerous people’s retirement savings was sobering – to say the least. This marketplace story is repeated throughout history but it does not imply that investors need to have to be crystal ball-readers of the market place to finish up in a great position.
Investment choices
When assessing a superannuation fund, have a close appear at the investment choices obtainable. These will be in 3 primary forms:
Number and types of investment funds obtainable
Access to direct shares, and
Access to fixed interest and term deposit merchandise.
You require to make certain that the sort of investment funds that are accessible to you make sense to you and match with your investment objectives, be that growth or defensive. Also look for a great breadth of providing including international funds, ethical funds and other investment classes that you may want to contain in your portfolio at some stage in the future.
Another way to get access to a lot more investment options is to guarantee the fund offers members access to direct shares. This enables you to take a lot more manage more than how your money is invested by providing you the alternative to invest in shares directly or take advantage of ETFs and a wider choice of investment funds. Lastly, relating to your investment possibilities, it is worth finding out whether there is the option of investing directly in cash goods. At occasions it can be prudent to have the selection to invest a portion of your retirement nest egg in cash and at that time, it will be less complicated if those options are currently at your fingertips rather than attempting to move your funds elsewhere.
Life Insurance
Life insurance coverage is one more important element in your option of super fund. Most funds are able to provide possibilities for cover in the case of death, disability or illness, which can support you and your family get by way of any unexpected events prior to retirement. In fact, some of the revenue protection policies within super even continue to make the Superannuation Guarantee (SG) payments although you are off perform, so that your retirement savings can continue throughout this time.
Check on the varieties of insurance offered within your fund of decision. The main choices are:
Life,
Total and Permanent Disability, and
Earnings Protection.
Also investigate the level of cover supplied. There is a more than $ 4 million distinction amongst the leading and bottom levels of life insurance coverage cover in the business.
Other solutions
Lastly, check what other services are available to you for the value that you pay. Over and above the number of investment possibilities, access to direct shares and term deposits it is crucial to locate out what sort of financial guidance possibilities are accessible to you and how straightforward they are to access. Some funds have their own economic planners, some rely on third-celebration ne2rks and others have restricted or no access to financial suggestions at all. Access to this tips becomes particularly critical the closer you get to retirement but is also relevant although in the accumulation phase in order to make sure your contribution level, risk profile and investment method will deliver your expected retirement ambitions.
Be aware of fixed fees (which can range from $ to $ 175 annually) and variable charges (on leading of fixed fees, primarily based on your super balance) and make sure you are comfortable with the amount being charged for the access and services you are receiving. Recent compliance alter requirements have meant that the Item Disclosure Statement will clearly state what you can count on to spend.
So don’t delay in reviewing your super, it is not as scary as you may think. Thinking of superannuation as a platform with 3 main parts – your retirement savings, insurance coverage and solutions – it can be easier to either conclude whether or not the fund you have selected matches your wants or regardless of whether you ought to think about moving your funds.
Just before making a choice it is worth speaking to an Independent Economic Planner, as some skilled guidance now can make a substantial distinction in retirement.
The Superannuation sector at present manages about $ 1.8 trillion of Australian’s retirement savings and a current report released by the Economic Services Council and ING Direct found that more than 80% of workers acknowledge superannuation as vital in delivering a comfortable retirement. Regardless of this, the report located that nearly 3 quarters of Australians are in their employer’s default fund with only 27% likely to modify their fund provider in the future. These findings are constant with numerous other indicators in the market that illustrate the disparity among significance and action when it comes to superannuation. It is my belief that the driver of this disparity is primarily influenced by the perceived complexity of Superannuation but like all complicated issues, breaking them into component parts is usually a very good initial step.
Super is a platform
It’s essential to recognize that superannuation is a ‘platform’ it’s not a single ‘product’ that is purchased. This platform bundles your retirement savings, life insurances and other services all together to enable a comfortable retirement. Pondering of it in this way allows us to pick apart the component components and decide what option very best suits your needs.
2 important inquiries
When thinking about your retirement nest egg the major queries are:
1) What growth/return am I getting on my funds? and
2) How safe are my funds?
The value of these 2 elements was acutely evident in the expertise of many investors prior to and for the duration of the GFC. In the couple of years prior to the GFC there had been said to be just 2 types of individuals: these that have been generating funds and those that weren’t investing. Once the sub-prime market began to collapse returns and liquidity fairly rapidly dried up, the impact on a lot of people’s retirement savings was sobering – to say the least. This marketplace story is repeated throughout history but it does not mean that investors require to be crystal ball-readers of the market place to finish up in a great position.
Investment alternatives
When assessing a superannuation fund, have a close appear at the investment alternatives obtainable. These will be in 3 primary forms:
Quantity and kinds of investment funds accessible
Access to direct shares, and
Access to fixed interest and term deposit merchandise.
You require to make sure that the variety of investment funds that are available to you make sense to you and fit with your investment objectives, be that growth or defensive. Also look for a excellent breadth of supplying including international funds, ethical funds and other investment classes that you may want to include in your portfolio at some stage in the future.
Another way to get access to far more investment alternatives is to make certain the fund provides members access to direct shares. This enables you to take a lot more control more than how your income is invested by providing you the alternative to invest in shares directly or take benefit of ETFs and a wider selection of investment funds. Finally, regarding your investment possibilities, it’s worth locating out whether or not there is the selection of investing straight in money goods. At times it can be prudent to have the alternative to invest a portion of your retirement nest egg in money and at that time, it will be easier if those alternatives are currently at your fingertips rather than attempting to move your income elsewhere.
Life Insurance
Life insurance coverage is one more important element in your decision of super fund. Most funds are able to provide options for cover in the case of death, disability or illness, which can support you and your family get via any unexpected events prior to retirement. In fact, some of the income protection policies within super even continue to make the Superannuation Guarantee (SG) payments whilst you are off operate, so that your retirement savings can continue for the duration of this time.
Check on the types of insurance provided within your fund of selection. The primary options are:
Life,
Total and Permanent Disability, and
Earnings Protection.
Also investigate the level of cover provided. There is a much more than $ 4 million distinction among the leading and bottom levels of life insurance coverage cover in the market.
Other solutions
Lastly, verify what other services are accessible to you for the price tag that you spend. Over and above the number of investment choices, access to direct shares and term deposits it’s essential to locate out what sort of financial advice alternatives are accessible to you and how simple they are to access. Some funds have their own financial planners, some rely on third-party ne2rks and other folks have limited or no access to financial advice at all. Access to this guidance becomes especially important the closer you get to retirement but is also relevant whilst in the accumulation phase in order to ensure your contribution level, risk profile and investment strategy will provide your anticipated retirement ambitions.
Be conscious of fixed costs (which can range from $ to $ 175 annually) and variable fees (on prime of fixed charges, based on your super balance) and ensure you are comfy with the quantity becoming charged for the access and solutions you are receiving. Current compliance alter needs have meant that the Item Disclosure Statement will clearly state what you can anticipate to pay.
So do not delay in reviewing your super, it is not as scary as you might consider. Thinking of superannuation as a platform with 3 principal components – your retirement savings, insurance coverage and solutions – it can be easier to either conclude regardless of whether the fund you have selected matches your requirements or no matter whether you ought to consider moving your funds.
Prior to creating a selection it is worth speaking to an Independent Monetary Planner, as some skilled guidance now can make a significant difference in retirement.
We’ll start with a true belter from husband and wife team, Mr & Mrs Ramm. Loaded right here with a Sugarbeet harvester from Germany. To move a truck with loaded with a harvester measuring 14.00 metres extended, 3.30 metres wide and 4.00metres higher and weighing 26 tons, requires some specialist gear, permits and a lot of know how, especially with Europe’s 4 metre height limit, N5 HCW is an 8×4 Scania tractor unit with a 580hp V8 engine hitched up to a wafer bed low loader and a Dave Ramm in the hot seat, best.
Not all container jobs are are as simple as opening the rear doors of a metal box. Ian “Slim” Godfrey in Aberdeen this morning with an over height open leading container. Slim is driving a Scania this week……yes he is!
Driver Gareth Rowlands seen here on a regional drop with a little sweeper imported from the continent. Gareth’s big new V8, N6 HCW, appears amazing no matter what the load, or is it just me??!
Sister truck to the Gareth’s N6 is Geordie’s truck N7 HCW. Loaded with tower crane parts down close to Bristol. As you can picture constructing a tower crane needs lots of components and lots of loads. N7 was one particular of several unloading right now to get the crane built. Beneath we also have Jon Pryke unloading crane components in X300 HCW.
Workplace waller, or not, James Cartwright was also on the crane job right now in old faithful N200 HCW. Also the last contribution on the crane website is the first super sub of the day, one particular of Hewicks Haulage Scania’s with another piece of the tower.
Driver Little Terry Alderton and his Scania R480 loaded with some kind of hard-arsed looking machine loaded from deep in Southern Germany up to Warwick. Are all of HC Wilson’s loads colour coded??
Here we have a photo sent by driver Gladys of 3 Wilson trucks and another super sub in the type of a Tasker truck driven by Colin Waters. All 4 are heading down through France to Marseille having loaded in England.
Lastly we have the final super sub off the bench for Wilson’s, a nicely recognized truck here on the weblog, the one particular and only Steve Marsh Express! HC Wilson can cover any sort of job including hot shot packing crates to Stoke on Trent. All 3 subbies are tried and tested and extremely trus2rthy which is a have to to maintain the professionalism of Wilsons reputation on the correct track and maintaining those bloomin clients pleased! Thanks to all drivers for this weeks images.
Is it feasible for a vehicle to be as well quite to torture test? The 2016 Aston Martin Lagonda could just qualify, but it is undergoing definitely savage-sounding hot-climate testing anyway. The restricted-production Lagonda sedan will be sold exclusively sold in the Middle East, hence the brutal higher-temperature evaluations, but a lot more essential than the 4-door’s (admittedly) anticipated hot-air gauntlet is that Aston Martin has lastly released its personal pictures of it.
Earlier this month, the Lagonda super-sedan was kinda, sorta accidentally previewed to the planet by Oman Air, Aston’s transportation companion to the Middle East. In contrast to the airline’s “leaked” photos, Aston’s are far much more flattering, coffee table book–grade pieces, but nonetheless reveal only the car’s exterior. That’s okay by us, however—the factor is just so damn gorgeous.
The slick, un-camouflaged automobile depicted in the photos is the initial Lagonda constructed, according to Aston Martin spokesman Matthew Clarke, and it is a verification test vehicle that is about 5000 miles into a “Hot Environment” testing cycle. “Broadly representative of a production model,” Clarke says of the auto, the prototype is deliberately configured in a “worst-case situation for heat—lots of black.” Onboard, the Lagonda carries data loggers that monitor about 85 temperature sensors and give the group with a heat map of the interior and exterior this electronic internet possibly explains why we nevertheless don’t have any shots of the car’s interior.
“Air conditioning functionality and efficiency is an clear consideration, but we’re also seeking at engine hot starts, durability of elements and material performance,” said Clarke. “One distinct test is a ‘heat soak’—the vehicle is left in direct, peak sunlight for a number of hours to produce cabin trim surface temperatures of circa 80 degrees celsius (176 degrees fahrenheit).”
The hot weather testing procedures contain driving the vehicle roughly 500 miles per day over a 4-week period of time, for a total of 14,000 miles in Oman over a 30-50 degrees celsius (86–122 degrees fahrenheit) temperature band, according to Clarke. Think of the procedure as providing the Lagonda a sun-kissed tan, but carrying out so with no sunscreen, water, or the gentility connected with the word “kissed.”
As for the appear of the auto itself, there is little we see right here that Oman Air didn’t currently give away: the front finish wears a stern expression, with a broad, horizontal grille and simple LED headlamp specifics. The profile—especially the squared-off C-pillar—is really formal, and the lengthy, flat hood exudes an air of power and grace. The Lagonda’s hood’s air extractors are situated in far more or much less the exact same areas as are those on the 577-hp Rapide S, major us to think that it is powered by a comparable V-12 engine. Given the Lagonda’s loftier position, nevertheless, we’d anticipate it will get a bit a lot more energy. We can also see that, like all current Astons, all 4 of the Lagonda’s doors open out and up a slight, curb-clearing angle.
Beyond what we can see, nonetheless, information are thin it is not presently clear how considerably of the physique is carbon fiber or some other exotic material, or if any such material is used at all. The car’s underpinnings, too, are a mystery the architecture most probably is shared with the Rapide S, but there’s a likelihood it utilizes components from Aston’s subsequent-generation automobile architecture. Oh, and as we currently mentioned, Aston Martin still hasn’t shown off the Lagonda’s interior.
What we do know is this: No more than 200 examples of this stunning sedan will be built—expect buyer deliveries to commence by this time next year—and the thing’s A/C should be on point. It will only be sold in the Middle East, and almost certainly for lots, and lots, and lots of money.
Is it attainable for a auto to be as well quite to torture test? The 2016 Aston Martin Lagonda could just qualify, but it is undergoing completely savage-sounding hot-climate testing anyway. The restricted-production Lagonda sedan will be sold exclusively sold in the Middle East, therefore the brutal high-temperature evaluations, but much more crucial than the 4-door’s (admittedly) anticipated hot-air gauntlet is that Aston Martin has finally released its personal images of it.
Earlier this month, the Lagonda super-sedan was kinda, sorta accidentally previewed to the world by Oman Air, Aston’s transportation companion to the Middle East. Unlike the airline’s “leaked” pictures, Aston’s are far far more flattering, coffee table book–grade pieces, but nevertheless reveal only the car’s exterior. That is okay by us, however—the factor is just so damn gorgeous.
The slick, un-camouflaged auto depicted in the photos is the first Lagonda built, according to Aston Martin spokesman Matthew Clarke, and it is a verification test vehicle that’s about 5000 miles into a “Hot Environment” testing cycle. “Broadly representative of a production model,” Clarke says of the vehicle, the prototype is deliberately configured in a “worst-case situation for heat—lots of black.” Onboard, the Lagonda carries information loggers that monitor about 85 temperature sensors and supply the group with a heat map of the interior and exterior this electronic web possibly explains why we nonetheless don’t have any shots of the car’s interior.
“Air conditioning functionality and efficiency is an apparent consideration, but we’re also hunting at engine hot begins, durability of elements and material efficiency,” mentioned Clarke. “One distinct test is a ‘heat soak’—the car is left in direct, peak sunlight for a number of hours to generate cabin trim surface temperatures of circa 80 degrees celsius (176 degrees fahrenheit).”
The hot climate testing procedures include driving the automobile roughly 500 miles per day over a 4-week period of time, for a total of 14,000 miles in Oman more than a 30-50 degrees celsius (86–122 degrees fahrenheit) temperature band, according to Clarke. Think of the process as giving the Lagonda a sun-kissed tan, but carrying out so with no sunscreen, water, or the gentility associated with the word “kissed.”
As for the appear of the auto itself, there is little we see here that Oman Air didn’t currently give away: the front finish wears a stern expression, with a broad, horizontal grille and straightforward LED headlamp particulars. The profile—especially the squared-off C-pillar—is fairly formal, and the extended, flat hood exudes an air of energy and grace. The Lagonda’s hood’s air extractors are situated in far more or much less the exact same areas as are these on the 577-hp Rapide S, leading us to think that it is powered by a equivalent V-12 engine. Provided the Lagonda’s loftier position, however, we’d count on it will get a bit far more power. We can also see that, like all recent Astons, all 4 of the Lagonda’s doors open out and up a slight, curb-clearing angle.
Beyond what we can see, nonetheless, specifics are thin it isn’t presently clear how significantly of the physique is carbon fiber or some other exotic material, or if any such material is utilised at all. The car’s underpinnings, as well, are a mystery the architecture most likely is shared with the Rapide S, but there’s a chance it utilizes components from Aston’s next-generation car architecture. Oh, and as we currently pointed out, Aston Martin still hasn’t shown off the Lagonda’s interior.
What we do know is this: No much more than 200 examples of this beautiful sedan will be built—expect buyer deliveries to begin by this time subsequent year—and the thing’s A/C need to be on point. It will only be sold in the Middle East, and possibly for lots, and lots, and lots of income.
Is it possible for a vehicle to be as well pretty to torture test? The 2016 Aston Martin Lagonda might just qualify, but it is undergoing totally savage-sounding hot-climate testing anyway. The limited-production Lagonda sedan will be sold exclusively sold in the Middle East, therefore the brutal higher-temperature evaluations, but more crucial than the 4-door’s (admittedly) anticipated hot-air gauntlet is that Aston Martin has lastly released its own pictures of it.
Earlier this month, the Lagonda super-sedan was kinda, sorta accidentally previewed to the world by Oman Air, Aston’s transportation partner to the Middle East. As opposed to the airline’s “leaked” photos, Aston’s are far a lot more flattering, coffee table book–grade pieces, but still reveal only the car’s exterior. That is okay by us, however—the point is just so damn beautiful.
The slick, un-camouflaged auto depicted in the pictures is the very first Lagonda built, according to Aston Martin spokesman Matthew Clarke, and it is a verification test vehicle that’s about 5000 miles into a “Hot Environment” testing cycle. “Broadly representative of a production model,” Clarke says of the automobile, the prototype is deliberately configured in a “worst-case situation for heat—lots of black.” Onboard, the Lagonda carries information loggers that monitor about 85 temperature sensors and give the group with a heat map of the interior and exterior this electronic web possibly explains why we nevertheless don’t have any shots of the car’s interior.
“Air conditioning functionality and efficiency is an clear consideration, but we’re also searching at engine hot begins, durability of components and material performance,” stated Clarke. “One certain test is a ‘heat soak’—the auto is left in direct, peak sunlight for several hours to create cabin trim surface temperatures of circa 80 degrees celsius (176 degrees fahrenheit).”
The hot weather testing procedures contain driving the vehicle roughly 500 miles per day more than a 4-week period of time, for a total of 14,000 miles in Oman more than a 30-50 degrees celsius (86–122 degrees fahrenheit) temperature band, according to Clarke. Think of the method as giving the Lagonda a sun-kissed tan, but doing so with out sunscreen, water, or the gentility linked with the word “kissed.”
As for the appear of the automobile itself, there is tiny we see right here that Oman Air didn’t already give away: the front end wears a stern expression, with a broad, horizontal grille and basic LED headlamp particulars. The profile—especially the squared-off C-pillar—is quite formal, and the long, flat hood exudes an air of energy and grace. The Lagonda’s hood’s air extractors are positioned in a lot more or less the same locations as are these on the 577-hp Rapide S, top us to think that it is powered by a related V-12 engine. Provided the Lagonda’s loftier position, nevertheless, we’d count on it will get a bit much more energy. We can also see that, like all current Astons, all 4 of the Lagonda’s doors open out and up a slight, curb-clearing angle.
Beyond what we can see, even so, details are thin it isn’t presently clear how considerably of the body is carbon fiber or some other exotic material, or if any such material is employed at all. The car’s underpinnings, too, are a mystery the architecture most probably is shared with the Rapide S, but there’s a opportunity it utilizes elements from Aston’s next-generation automobile architecture. Oh, and as we already mentioned, Aston Martin still hasn’t shown off the Lagonda’s interior.
What we do know is this: No far more than 200 examples of this beautiful sedan will be built—expect buyer deliveries to commence by this time subsequent year—and the thing’s A/C ought to be on point. It will only be sold in the Middle East, and possibly for lots, and lots, and lots of funds.
There is a very, very good reason for the rather long wait for the arrival of the all-new MG3 super-mini that took the world by storm.
Now that the exciting hot hatch is here, MG South Africa can reveal that the car has undergone – and passed – a rigorous on-road durability validation test of nothing less than 3 million kilometres.
The compact yet spacious MG3 with its eye catching stance and attractive design details draws attention from every angle. The hot new hatch begs to be driven, promising huge amounts of fun and excitement all the way.
MG is locally distributed by Mandarin Motors as part of the massive Combined Motor Holdings (CMH) group of companies. “Now the wait is over – but it was worth it,” says MG South Africa General Manager for CMH Brands, Derrick Bishop.
Offering outstanding levels of design, quality and value for money, the long awaited MG3 is sure to follow in the tracks of its British and European brethren that took the marque back to the top of the sales charts in the highly competitive supermini segment of the market.
Prices might surprise many with the news that even the top model in the 3-car line-up costs less than R180 000, making it a very worthy candidate for young drivers who like to make their presence known.
However, this superb value for money package on the brand new MG3 is not offered at the expense of specification, practicality or safety. All models benefit from a powerful 1.5? engine driving the front wheels via a 5-speed manual transmission, offering well balanced performance, acceleration and economy.
The new MG3 – designed by MG in Britain; built by SAIC in Eastern Europe – boasts the modern MG signature front and rear styling, including LED daytime running lights as standard across the full range.
For South Africa, the MG3 range consists of the MG3 (standard), the MG3 Wired, and the top-of-the-range MG3 Style.
The full range of 3 models boasts all the creature comforts expected in a top class vehicle in this segment, including electrical everything, outstanding safety and performance, as well as one of the largest and most spacious cabins in its class.
The new MG3 stands out thanks to its sporty exterior style, with full width black mesh grille incorporated into the colour-coded front sport design bumper, black A and B-pillars, ‘wraparound’; windscreen and sleek lines. Safety is taken care of with 6 airbags, electronic stability control, corner brake control and traction control, offering the full suite of the latest technology safety equipment standard on each of the 3 new MG3 models.
A key attraction for many people will be all the fun that can be had creating their own unique MG3. An extended range of colours, exterior graphics including the best MAG alloy wheels specifically designed to compliment your MG3, interior colour packs and part-leather upholstery have been created by the UK design team and inspired by the British fashion industry.
The production version of the MG3 carries forward many of the styling cues first seen in the eye-catching MG ZERO concept car designed to target young and style conscious buyers wanting something different.
The fun factor comes into play even before owners get into the car, by designing their own highly personalised MG3. With thousands of combinations available, the chances of seeing 2 identical MG3s together are pretty slim.
The new MG3 is a small car with a big cabin. Normally this is where the compromise comes on small sporty cars, but not with the MG3.
Fun, entertaining and easy to live with, the MG3 combines style and enjoyment with practical spaciousness. The designers and engineers have combined to create an exceptional amount of space and versatility in a very compact 5-door package.
Extensive work from the MG Design and Engineering team on the architectural package has resulted in interior packaging that rivals or surpasses anything in its class. In a 4m long package, the MG3 will easily accommodate 4 tall individuals; a level of accommodation typically associated with larger cars. It mirrors the spaciousness of the MG6 range.
The MG3′s ‘rolled and raised’; front dashboard design creates an airy forward cabin space and increased legroom, while allowing excellent access to primary and secondary controls. This theme is continued in the rear of the car, where the front seats are sculpted to allow rear passengers excellent space to travel in comfort.
Class-leading rear headroom is another characteristic which sets the MG3 apart. Many cars in this sector compromise on interior space, particularly in the rear. But rear headroom in the MG3 is more than generous.
Designed with the core value of fun to drive, the MG3 chassis has been honed from hundreds of thousands of kilometres of testing on European roads. Intended to deliver impressive levels of body control, sharpness and a willingness to corner to engage keen drivers, MG’;s world class team of chassis engineers have also delivered sure footed handling and impressive ride comfort. Together this makes the MG3 suitable for every journey, from crowded Gauteng routes to flowing country roads in Mpumalanga or the Cape or cruising on the highway across the extremes of the South African landscape.
The MG3 is unmistakable on the road and takes the iconic MG brand another step into the future.
“MG became world famous for building distinctive, British, small, fun cars at a remarkably affordable price that owners can personalise to their own individual style. The MG3 is the new small, modern MG that allows a new generation of people to have fun with their MG,” concludes Bishop.
About MG Motor
Since the first MG went on sale 90 years ago in 1924, the iconic British brand has become world famous for making stylish cars that are fun to drive and own, at remarkably affordable prices. The latest offering, the MG3, is no exception; the new, small modern MG brings style and fun to a new generation, giving a fresh twist on the innovation, sporty performance and statement style that first made the MG badge famous.
Modern MGs are designed and engineered at MG’;s historic home in Longbridge, Birmingham. Today, MG is owned by the SAIC Motor Corporation. SAIC Motor is currently rated 103rd in the Fortune 500 and, in 2013, achieved record global sales of over 5.1 million units – an increase of 13.71% on 2012 sales. SAIC Motor is the first Chinese automotive manufacturer to exceed 5 million units in a year, and 230 000 units of this extraordinary figure can be attributed to sales of the MG (and SAIC’;s domestic Roewe brand) worldwide.
There is a very, very good reason for the rather long wait for the arrival of the all-new MG3 super-mini that took the world by storm.
Now that the exciting hot hatch is here, MG South Africa can reveal that the car has undergone – and passed – a rigorous on-road durability validation test of nothing less than 3 million kilometres.
The compact yet spacious MG3 with its eye catching stance and attractive design details draws attention from every angle. The hot new hatch begs to be driven, promising huge amounts of fun and excitement all the way.
MG is locally distributed by Mandarin Motors as part of the massive Combined Motor Holdings (CMH) group of companies. “Now the wait is over – but it was worth it,” says MG South Africa General Manager for CMH Brands, Derrick Bishop.
Offering outstanding levels of design, quality and value for money, the long awaited MG3 is sure to follow in the tracks of its British and European brethren that took the marque back to the top of the sales charts in the highly competitive supermini segment of the market.
Prices might surprise many with the news that even the top model in the 3-car line-up costs less than R180 000, making it a very worthy candidate for young drivers who like to make their presence known.
However, this superb value for money package on the brand new MG3 is not offered at the expense of specification, practicality or safety. All models benefit from a powerful 1.5? engine driving the front wheels via a 5-speed manual transmission, offering well balanced performance, acceleration and economy.
The new MG3 – designed by MG in Britain; built by SAIC in Eastern Europe – boasts the modern MG signature front and rear styling, including LED daytime running lights as standard across the full range.
For South Africa, the MG3 range consists of the MG3 (standard), the MG3 Wired, and the top-of-the-range MG3 Style.
The full range of 3 models boasts all the creature comforts expected in a top class vehicle in this segment, including electrical everything, outstanding safety and performance, as well as one of the largest and most spacious cabins in its class.
The new MG3 stands out thanks to its sporty exterior style, with full width black mesh grille incorporated into the colour-coded front sport design bumper, black A and B-pillars, ‘wraparound’; windscreen and sleek lines. Safety is taken care of with 6 airbags, electronic stability control, corner brake control and traction control, offering the full suite of the latest technology safety equipment standard on each of the 3 new MG3 models.
A key attraction for many people will be all the fun that can be had creating their own unique MG3. An extended range of colours, exterior graphics including the best MAG alloy wheels specifically designed to compliment your MG3, interior colour packs and part-leather upholstery have been created by the UK design team and inspired by the British fashion industry.
The production version of the MG3 carries forward many of the styling cues first seen in the eye-catching MG ZERO concept car designed to target young and style conscious buyers wanting something different.
The fun factor comes into play even before owners get into the car, by designing their own highly personalised MG3. With thousands of combinations available, the chances of seeing 2 identical MG3s together are pretty slim.
The new MG3 is a small car with a big cabin. Normally this is where the compromise comes on small sporty cars, but not with the MG3.
Fun, entertaining and easy to live with, the MG3 combines style and enjoyment with practical spaciousness. The designers and engineers have combined to create an exceptional amount of space and versatility in a very compact 5-door package.
Extensive work from the MG Design and Engineering team on the architectural package has resulted in interior packaging that rivals or surpasses anything in its class. In a 4m long package, the MG3 will easily accommodate 4 tall individuals; a level of accommodation typically associated with larger cars. It mirrors the spaciousness of the MG6 range.
The MG3′s ‘rolled and raised’; front dashboard design creates an airy forward cabin space and increased legroom, while allowing excellent access to primary and secondary controls. This theme is continued in the rear of the car, where the front seats are sculpted to allow rear passengers excellent space to travel in comfort.
Class-leading rear headroom is another characteristic which sets the MG3 apart. Many cars in this sector compromise on interior space, particularly in the rear. But rear headroom in the MG3 is more than generous.
Designed with the core value of fun to drive, the MG3 chassis has been honed from hundreds of thousands of kilometres of testing on European roads. Intended to deliver impressive levels of body control, sharpness and a willingness to corner to engage keen drivers, MG’;s world class team of chassis engineers have also delivered sure footed handling and impressive ride comfort. Together this makes the MG3 suitable for every journey, from crowded Gauteng routes to flowing country roads in Mpumalanga or the Cape or cruising on the highway across the extremes of the South African landscape.
The MG3 is unmistakable on the road and takes the iconic MG brand another step into the future.
“MG became world famous for building distinctive, British, small, fun cars at a remarkably affordable price that owners can personalise to their own individual style. The MG3 is the new small, modern MG that allows a new generation of people to have fun with their MG,” concludes Bishop.
About MG Motor
Since the first MG went on sale 90 years ago in 1924, the iconic British brand has become world famous for making stylish cars that are fun to drive and own, at remarkably affordable prices. The latest offering, the MG3, is no exception; the new, small modern MG brings style and fun to a new generation, giving a fresh twist on the innovation, sporty performance and statement style that first made the MG badge famous.
Modern MGs are designed and engineered at MG’;s historic home in Longbridge, Birmingham. Today, MG is owned by the SAIC Motor Corporation. SAIC Motor is currently rated 103rd in the Fortune 500 and, in 2013, achieved record global sales of over 5.1 million units – an increase of 13.71% on 2012 sales. SAIC Motor is the first Chinese automotive manufacturer to exceed 5 million units in a year, and 230 000 units of this extraordinary figure can be attributed to sales of the MG (and SAIC’;s domestic Roewe brand) worldwide.
There is a very, very good reason for the rather long wait for the arrival of the all-new MG3 super-mini that took the world by storm.
Now that the exciting hot hatch is here, MG South Africa can reveal that the car has undergone – and passed – a rigorous on-road durability validation test of nothing less than 3 million kilometres.
The compact yet spacious MG3 with its eye catching stance and attractive design details draws attention from every angle. The hot new hatch begs to be driven, promising huge amounts of fun and excitement all the way.
MG is locally distributed by Mandarin Motors as part of the massive Combined Motor Holdings (CMH) group of companies. “Now the wait is over – but it was worth it,” says MG South Africa General Manager for CMH Brands, Derrick Bishop.
Offering outstanding levels of design, quality and value for money, the long awaited MG3 is sure to follow in the tracks of its British and European brethren that took the marque back to the top of the sales charts in the highly competitive supermini segment of the market.
Prices might surprise many with the news that even the top model in the 3-car line-up costs less than R180 000, making it a very worthy candidate for young drivers who like to make their presence known.
However, this superb value for money package on the brand new MG3 is not offered at the expense of specification, practicality or safety. All models benefit from a powerful 1.5? engine driving the front wheels via a 5-speed manual transmission, offering well balanced performance, acceleration and economy.
The new MG3 – designed by MG in Britain; built by SAIC in Eastern Europe – boasts the modern MG signature front and rear styling, including LED daytime running lights as standard across the full range.
For South Africa, the MG3 range consists of the MG3 (standard), the MG3 Wired, and the top-of-the-range MG3 Style.
The full range of 3 models boasts all the creature comforts expected in a top class vehicle in this segment, including electrical everything, outstanding safety and performance, as well as one of the largest and most spacious cabins in its class.
The new MG3 stands out thanks to its sporty exterior style, with full width black mesh grille incorporated into the colour-coded front sport design bumper, black A and B-pillars, ‘wraparound’; windscreen and sleek lines. Safety is taken care of with 6 airbags, electronic stability control, corner brake control and traction control, offering the full suite of the latest technology safety equipment standard on each of the 3 new MG3 models.
A key attraction for many people will be all the fun that can be had creating their own unique MG3. An extended range of colours, exterior graphics including the best MAG alloy wheels specifically designed to compliment your MG3, interior colour packs and part-leather upholstery have been created by the UK design team and inspired by the British fashion industry.
The production version of the MG3 carries forward many of the styling cues first seen in the eye-catching MG ZERO concept car designed to target young and style conscious buyers wanting something different.
The fun factor comes into play even before owners get into the car, by designing their own highly personalised MG3. With thousands of combinations available, the chances of seeing 2 identical MG3s together are pretty slim.
The new MG3 is a small car with a big cabin. Normally this is where the compromise comes on small sporty cars, but not with the MG3.
Fun, entertaining and easy to live with, the MG3 combines style and enjoyment with practical spaciousness. The designers and engineers have combined to create an exceptional amount of space and versatility in a very compact 5-door package.
Extensive work from the MG Design and Engineering team on the architectural package has resulted in interior packaging that rivals or surpasses anything in its class. In a 4m long package, the MG3 will easily accommodate 4 tall individuals; a level of accommodation typically associated with larger cars. It mirrors the spaciousness of the MG6 range.
The MG3′s ‘rolled and raised’; front dashboard design creates an airy forward cabin space and increased legroom, while allowing excellent access to primary and secondary controls. This theme is continued in the rear of the car, where the front seats are sculpted to allow rear passengers excellent space to travel in comfort.
Class-leading rear headroom is another characteristic which sets the MG3 apart. Many cars in this sector compromise on interior space, particularly in the rear. But rear headroom in the MG3 is more than generous.
Designed with the core value of fun to drive, the MG3 chassis has been honed from hundreds of thousands of kilometres of testing on European roads. Intended to deliver impressive levels of body control, sharpness and a willingness to corner to engage keen drivers, MG’;s world class team of chassis engineers have also delivered sure footed handling and impressive ride comfort. Together this makes the MG3 suitable for every journey, from crowded Gauteng routes to flowing country roads in Mpumalanga or the Cape or cruising on the highway across the extremes of the South African landscape.
The MG3 is unmistakable on the road and takes the iconic MG brand another step into the future.
“MG became world famous for building distinctive, British, small, fun cars at a remarkably affordable price that owners can personalise to their own individual style. The MG3 is the new small, modern MG that allows a new generation of people to have fun with their MG,” concludes Bishop.
About MG Motor
Since the first MG went on sale 90 years ago in 1924, the iconic British brand has become world famous for making stylish cars that are fun to drive and own, at remarkably affordable prices. The latest offering, the MG3, is no exception; the new, small modern MG brings style and fun to a new generation, giving a fresh twist on the innovation, sporty performance and statement style that first made the MG badge famous.
Modern MGs are designed and engineered at MG’;s historic home in Longbridge, Birmingham. Today, MG is owned by the SAIC Motor Corporation. SAIC Motor is currently rated 103rd in the Fortune 500 and, in 2013, achieved record global sales of over 5.1 million units – an increase of 13.71% on 2012 sales. SAIC Motor is the first Chinese automotive manufacturer to exceed 5 million units in a year, and 230 000 units of this extraordinary figure can be attributed to sales of the MG (and SAIC’;s domestic Roewe brand) worldwide.
Truth be told, this production-seeking car in this 90-second spot positive looks a lot like Nissan’s Sport Sedan Concept that we very first laid eyes on at the 2014 Detroit Auto Show. At the time, Nissan was adamant that we shouldn’t refer to the notion as the Maxima. Cheeky, Nissan. Go ahead, examine our Detroit images to the vehicle you see above. Even a person as blind as an NFL referee could see the resemblance.
