Used car values fall for third consecutive month #car #auctions #sydney


#value of used cars
#

Used car values fall for third consecutive month

The average value of a used car in February fell by 1.7% to £7,814 compared to January, according to the monthly BCA Pulse Report

It was the third consecutive month of decline although year on year values were up 6.6%.

Values of used cars are set to soften further as higher volumes enter the market during the busy March plate-change month.

BCA’s UK operations director Simon Henstock said: “Levels of trade were steady during February, with plenty of interest in retail ready cars, but buyers were rather more wary of poorer condition vehicles.

“With a greater volume of stock expected to reach the marketplace in 2015, buyers have a lot more choice and vehicles requiring repair and refurbishment need to be sensibly valued to compete.  For cars with cosmetic damage, SMART repairs are a cost effective option for sellers, meaning their vehicles can be quickly processed and presented in the best possible condition.”

“Looking ahead, most commentators are expecting a strong March for new car sales and, as every new car sale typically generates a chain of used car activity, there will be greater volumes from fleet and contract hire sources as well as increasing numbers of dealer part-exchange vehicles.  This could impact on residual values in the weeks ahead and BCA is recommending that volume vendors appraise their sale stock closely to ensure it is valued in line with market expectations.”

Henstock said further softening could be expected in in the run up to Easter and with the General Election on 7 May.

“In addition, the Easter break and the spring Bank Holiday are nearly upon us and the dynamics of the wholesale market are likely to change over the coming weeks.  Retail demand typically softens post-Easter as the focus turns towards the summer holiday rather than changing the family car.

“The General Election also begins to loom large on the horizon, and we should expect a little uncertainty in the wholesale markets in the run up to May 7th.


Car Insurance Ireland – Third Party – Comprehensive Motor Insurance from #best #car #lease #deals


#car insurance ireland
#

Discover Which Car Insurance is Best for Your Motor Cover Needs

  Get a quote

It doesn’t matter how big an insurance company is or how many people they insure, if they can’t provide you with the best possible car insurance package at the lowest possible cost for your specific needs, what good are they to you?

At Bestquote, you’re what matters – when you’re buying car insurance, when you’re driving across Ireland, and most importantly, when you need your motor cover due to theft, because of a breakdown or when you’ve had a road accident.

Most car insurance policies are unique and in order to prepare the best quote for your specific insurance needs, please call us directly at 0818 223 223 or complete a car insurance quote online now.

Bestquote – The Final Word on Irish Car Insurance

Bestquote is eager to save you money on your motor insurance whether you choose third-party cover, third-party, fire and theft cover or comprehensive car insurance policies in Ireland. You don’t even have to compare car insurance, just call us at 0818 223 223 and we’ll give you the Bestquote treatment – offering every discount available to you while making sure you have the coverage you need. That’s why we’re the final word on Irish car insurance.

  • Get car insurance cover in minutes
  • Bestquote compares motor insurance from top insurers in ireland

Get a car insurance quote or call us at 0818 223 223 now for exceptional customer service and truly affordable car insurance in Ireland.


Used car values fall for third consecutive month #cars #for #sale #nsw


#value of used cars
#

Used car values fall for third consecutive month

The average value of a used car in February fell by 1.7% to £7,814 compared to January, according to the monthly BCA Pulse Report

It was the third consecutive month of decline although year on year values were up 6.6%.

Values of used cars are set to soften further as higher volumes enter the market during the busy March plate-change month.

BCA’s UK operations director Simon Henstock said: “Levels of trade were steady during February, with plenty of interest in retail ready cars, but buyers were rather more wary of poorer condition vehicles.

“With a greater volume of stock expected to reach the marketplace in 2015, buyers have a lot more choice and vehicles requiring repair and refurbishment need to be sensibly valued to compete.  For cars with cosmetic damage, SMART repairs are a cost effective option for sellers, meaning their vehicles can be quickly processed and presented in the best possible condition.”

“Looking ahead, most commentators are expecting a strong March for new car sales and, as every new car sale typically generates a chain of used car activity, there will be greater volumes from fleet and contract hire sources as well as increasing numbers of dealer part-exchange vehicles.  This could impact on residual values in the weeks ahead and BCA is recommending that volume vendors appraise their sale stock closely to ensure it is valued in line with market expectations.”

Henstock said further softening could be expected in in the run up to Easter and with the General Election on 7 May.

“In addition, the Easter break and the spring Bank Holiday are nearly upon us and the dynamics of the wholesale market are likely to change over the coming weeks.  Retail demand typically softens post-Easter as the focus turns towards the summer holiday rather than changing the family car.

“The General Election also begins to loom large on the horizon, and we should expect a little uncertainty in the wholesale markets in the run up to May 7th.


Third Circle Asset Management #it #asset #management #process, #third #circle #asset #management #asset #management #investments #invest #pretoria


#

I started working in the financial industry during November 1979 as an advisor, later became a broker and eventually found my passion in asset management, which lead to the creation of the listed Efficient Group. Third Circle Asset Management (Pty) Ltd was started as my third circle in the financial services industry in August 2007.

The business plan for Third Circle, was a complex concept of combining behavioral finance (our habits and money anchors that drive every decision we make about finances) with the creation of a mathematical model to achieve investors’ goals. The next step was to simplify the model and make it available to the public, with the ultimate goal of having fun creating wealth seamlessly, and without crisis management.

To create and complete a complex system that Third Circle Asset Management(Pty) Ltd has, you need specialists with unique skills and a connector. Our connector was Van der Spuy Brink who helped us to identify the specialists we needed.

Third Circle Asset Management (Pty) Ltd utilises two systems, namely MAP® (Money Anchor Profiler, which tests behaviour) and SPOTS® (Stochastic Portfolio Optimisation Through Simulation, which is the mathematics of value creation).

My passion is to help people to create wealth.

TIME-LINE: 2007 Started writing the business plan.

2008 Bought Vestlock (Pty) Ltd an asset management company and changed the name to Third Circle Asset Management (Pty) Ltd.

The portfolio construction follows a three-step process

Why Third Circle Asset Management?

There are more than 100 asset managers in South Africa that manage more than 1000 funds. One finds poor, average and excellent funds and asset managers amongst these. There are also instances where one or more of the good managers make an error in judgment that causes them to perform poorly compared to their competitors.

Two clients invest money on the same day and may receive substantially different returns, even in a case where they have the same risk profile and invest in the same ASISA category.

The difference comes in with the fund choices that were made at the onset of the investments. EXAMPLE: (Information obtained from FundsData 8 July 2016)

INVESTMENTS PERFORMED AS FOLLOWS OVER A 20-YEAR PERIOD:

INVESTOR A AND B EACH INVESTED R1 000 000 ON 9 JULY 1996 IN AN EQUITY FUND FROM THE SOUTH AFRICAN GENERAL EQUITY CATEGORY.

The value of the investment after 20 years is R 13 291 580 – a return of 13.81% per annum.

The value of the investment after 20 years is R4 399 520 – a return of 7.69% per annum.

THE DIFFERENCE. R8 892 060 IS A LOT OF MONEY!

A short list of viable funds for investment is determined.

To determine the short list of portfolios which are to be utilised in the optimisation algorithm, we start by analysing the price data of all of the thousand plus unit trusts currently available. Where open for investment and permitted under the legislation governing our fund, these funds’ data are then evaluated relative to their respective benchmarks (for example local fixed interest, local money market, local property or international equities), and the performance parameters thus calculated are used to indicate which fund managers are currently likely adding the most value. This technique goes beyond just identifying which fund managers are delivering the best performance, but also sheds light on how they are generating those returns (by luck, or by skill?), and how consistently their skills will be able to add value.

The ideal is to identify managers who will reliably add value through high skill levels, and not to frequently churn between portfolios that are only getting it right by sheer good fortune from time to time.

Portfolios are entered into our simulation model, which eventually yields the portfolio combination from these funds that is statistically optimal to achieve the risk and return objectives.

The simulation model then predicts millions of potential market paths for hypothetical portfolios of the funds under investigation, eventually converging on a fund combination and weightings that give the best statistical chance over all these future scenarios of

  • not breaching the drawdown targets,
  • generating the required returns above inflation and
  • if both of the above goals are statistically met with a greater than 90% probability, the model aims to optimise for the maximum expected return going forward.

A thorough risk analysis of the resulting portfolio is completed and structures of financial instruments are added to the portfolios where appropriate, to help protect against material broad market risks.

Finally, we analyse the underlying composition of the funds selected by the simulation model and aggregate this over the whole portfolio, which gives us an indication of which underlying shares, bonds, currencies and other assets the portfolio is exposed to.

Furthermore, by using a purely quantitative approach, we avoid any subjectivity in the selection of portfolios for investment, which could be induced by things like previous positive or negative experiences with a fund which have little bearing on the outlook going forward, or perceptions of fund quality, which are often the result of good marketing and popularity rather than intrinsic quality.

Another great benefit of our systematic approach, is that it enables us to keep abreast of all of the bewildering and rapidly-expanding array of funds, approaches and strategies available. There is a time and place for every asset class and strategy, and the traditional approaches to fund selection tend to struggle to keep up to date with all the new developments and opportunities.

Why do we want to know you better?

As founder and current MD of Third Circle Asset Management (Pty) Ltd, Hugo Snyman has been working in the financial industry for more than 36 years. Out of experience he knows that it is very difficult for financial advisors and asset managers to gain certainty about a client’s financial behavior.

With more than a 700 tests done we know that investors believe that the MAP® profiler is more than 85% correct in identifying their money anchors (personality traits that do not change) that predict how they see life and handle money. In terms of questionnaires measuring attitudes, this is a very (in fact, unheard of) high accuracy rating, which was scientifically tested and verified for predictability.

By looking at attitudes, we can predict investment behaviors and expectations, across a range of beliefs that you shaped during your lifetime. This means that the measurements very accurately predict your needs and expectations from your investments. That allows us to manage your expectations to know when you will panic and try to avoid it to ensure that you reach your investment goals.

The MAP® is offered by Third Circle Asset Management (Pty) Ltd. to allow a financial advisor to give bespoke advice, do scenario planning and create a sustainable asset management solution.

SPECIALIST INVESTMENT SERVICES

BY CHRISTO LUÜS – CHIEF ECONOMIST


Used SUVs with Third Row Seating #car #rental #sydney


#used suv
#

Used SUVs with Third Row Seating

Q. Where can I find used SUVs with a 3rd row of seats?

A. It s not so easy to break out the used 3rd row SUVs from all the other used cars on most sites, but we ve managed to put together a half dozen links below that will take you straight to the listings of used third row SUVs:

1. Cars.com Over 100,000 listings of used SUVs with 3rd row seating for sale from dealers nationwide, plus a much smaller number for sale by owner. You can use the site s left side menus to narrow the huge selection by mileage, price, distance from you, etc. (www.cars.com)

2. eBay Motors Over 300 used SUVs with a third row up for auction or immediate sale here, sold by dealers or by owner nationwide. Among the used three row SUVs we saw: Volvo XC90, Toyota Sequoia, Subaru Tribeca, Chevy Tahoe, Cadillac Escalade, Hummer H2, Honda Pilot, Dodge Durango, Ford Explorer, Nissan Pathfinder and more. (www.ebay.com)

3. Auto Trader Over 80,000 used SUVs with a third row of seats listed for sale from dealers and private sellers nationwide. Click the Modify Search button at the site to narrow the selection by zip code, mileage, etc. (www.autotrader.com)

4. Certified Used Toyota SUVs with 3rd Row Seating This official Toyota used car site allows you to search for certified pre-owned Toyota SUVs with 3rd row seats. When you click through, you will see all Toyota SUVs listed the SUVs that come standard with 3rd row or have it as an option are the Toyota Highlander, Sequoia, 4Runner, and Land Cruiser. (www.toyotacertified.com)

5. Craigslist This link takes you to current listings for 3rd row SUVs from Craigslist classifieds sites nationwide it s not the easiest list to navigate, so you may prefer to go to the Craigslist for your city or region and search for third row SUVs for sale near you. (www.google.com)

6. Certified Pre-Owned 3-Row Ford Expedition SUVs This link takes you to a list of certified pre-owned 3-row Ford Expeditions from a variety of Ford dealers. You can change the search parameters to the find the certified Expeditions near you, or also search for certified 3-row Ford Flex or Explorer SUVs. (cpo.ford.com)

7. Certified Pre-Owned Chevy Tahoe SUVs A popular SUV with 3rd row seating is the Chevrolet Tahoe. This official Chevy site shows you more than 1,000 certified pre-owned Tahoes available right now from dealers nationwide. You can also narrow the list to just your area of the country. (This site s search engine is often cranky if the link doesn t work correctly, you can start a new search at the site for available Tahoes or other Chevy 6-passenger, 7-passenger, and 8-passenger SUVs.) (www.gmcertified.com)

Other related Bessed pages:


Used SUVs with Third Row Seating #buy #my #car


#used suv
#

Used SUVs with Third Row Seating

Q. Where can I find used SUVs with a 3rd row of seats?

A. It s not so easy to break out the used 3rd row SUVs from all the other used cars on most sites, but we ve managed to put together a half dozen links below that will take you straight to the listings of used third row SUVs:

1. Cars.com Over 100,000 listings of used SUVs with 3rd row seating for sale from dealers nationwide, plus a much smaller number for sale by owner. You can use the site s left side menus to narrow the huge selection by mileage, price, distance from you, etc. (www.cars.com)

2. eBay Motors Over 300 used SUVs with a third row up for auction or immediate sale here, sold by dealers or by owner nationwide. Among the used three row SUVs we saw: Volvo XC90, Toyota Sequoia, Subaru Tribeca, Chevy Tahoe, Cadillac Escalade, Hummer H2, Honda Pilot, Dodge Durango, Ford Explorer, Nissan Pathfinder and more. (www.ebay.com)

3. Auto Trader Over 80,000 used SUVs with a third row of seats listed for sale from dealers and private sellers nationwide. Click the Modify Search button at the site to narrow the selection by zip code, mileage, etc. (www.autotrader.com)

4. Certified Used Toyota SUVs with 3rd Row Seating This official Toyota used car site allows you to search for certified pre-owned Toyota SUVs with 3rd row seats. When you click through, you will see all Toyota SUVs listed the SUVs that come standard with 3rd row or have it as an option are the Toyota Highlander, Sequoia, 4Runner, and Land Cruiser. (www.toyotacertified.com)

5. Craigslist This link takes you to current listings for 3rd row SUVs from Craigslist classifieds sites nationwide it s not the easiest list to navigate, so you may prefer to go to the Craigslist for your city or region and search for third row SUVs for sale near you. (www.google.com)

6. Certified Pre-Owned 3-Row Ford Expedition SUVs This link takes you to a list of certified pre-owned 3-row Ford Expeditions from a variety of Ford dealers. You can change the search parameters to the find the certified Expeditions near you, or also search for certified 3-row Ford Flex or Explorer SUVs. (cpo.ford.com)

7. Certified Pre-Owned Chevy Tahoe SUVs A popular SUV with 3rd row seating is the Chevrolet Tahoe. This official Chevy site shows you more than 1,000 certified pre-owned Tahoes available right now from dealers nationwide. You can also narrow the list to just your area of the country. (This site s search engine is often cranky if the link doesn t work correctly, you can start a new search at the site for available Tahoes or other Chevy 6-passenger, 7-passenger, and 8-passenger SUVs.) (www.gmcertified.com)

Other related Bessed pages:


Used car values fall for third consecutive month #car #rental #discounts


#value of used cars
#

Used car values fall for third consecutive month

The average value of a used car in February fell by 1.7% to £7,814 compared to January, according to the monthly BCA Pulse Report

It was the third consecutive month of decline although year on year values were up 6.6%.

Values of used cars are set to soften further as higher volumes enter the market during the busy March plate-change month.

BCA’s UK operations director Simon Henstock said: “Levels of trade were steady during February, with plenty of interest in retail ready cars, but buyers were rather more wary of poorer condition vehicles.

“With a greater volume of stock expected to reach the marketplace in 2015, buyers have a lot more choice and vehicles requiring repair and refurbishment need to be sensibly valued to compete.  For cars with cosmetic damage, SMART repairs are a cost effective option for sellers, meaning their vehicles can be quickly processed and presented in the best possible condition.”

“Looking ahead, most commentators are expecting a strong March for new car sales and, as every new car sale typically generates a chain of used car activity, there will be greater volumes from fleet and contract hire sources as well as increasing numbers of dealer part-exchange vehicles.  This could impact on residual values in the weeks ahead and BCA is recommending that volume vendors appraise their sale stock closely to ensure it is valued in line with market expectations.”

Henstock said further softening could be expected in in the run up to Easter and with the General Election on 7 May.

“In addition, the Easter break and the spring Bank Holiday are nearly upon us and the dynamics of the wholesale market are likely to change over the coming weeks.  Retail demand typically softens post-Easter as the focus turns towards the summer holiday rather than changing the family car.

“The General Election also begins to loom large on the horizon, and we should expect a little uncertainty in the wholesale markets in the run up to May 7th.


Car Insurance Ireland – Third Party – Comprehensive Motor Insurance from #cheapest #used #cars


#car insurance ireland
#

Discover Which Car Insurance is Best for Your Motor Cover Needs

  Get a quote

It doesn’t matter how big an insurance company is or how many people they insure, if they can’t provide you with the best possible car insurance package at the lowest possible cost for your specific needs, what good are they to you?

At Bestquote, you’re what matters – when you’re buying car insurance, when you’re driving across Ireland, and most importantly, when you need your motor cover due to theft, because of a breakdown or when you’ve had a road accident.

Most car insurance policies are unique and in order to prepare the best quote for your specific insurance needs, please call us directly at 0818 223 223 or complete a car insurance quote online now.

Bestquote – The Final Word on Irish Car Insurance

Bestquote is eager to save you money on your motor insurance whether you choose third-party cover, third-party, fire and theft cover or comprehensive car insurance policies in Ireland. You don’t even have to compare car insurance, just call us at 0818 223 223 and we’ll give you the Bestquote treatment – offering every discount available to you while making sure you have the coverage you need. That’s why we’re the final word on Irish car insurance.

  • Get car insurance cover in minutes
  • Bestquote compares motor insurance from top insurers in ireland

Get a car insurance quote or call us at 0818 223 223 now for exceptional customer service and truly affordable car insurance in Ireland.