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Ford B-Max or Nissan Juke?

Ford B-Max versus Nissan Juke?

Nigel Naughton (Castlebar)

Jan 2016 Filed under: choosing new car

Expert answer

Hi Nigel,

Two totally different cars so they're quite hard to compare. The B-Max is small but spacious, and those sliding side doors make it very handy in tight parking spaces, but it's slow and not much fun to drive. The Juke is far more striking to look at (perhaps even a bit ugly?) and more engaging to drive, but space in the back and boot is really quite poor.

Relevant reviews:

Ford B-Max review

Nissan Juke review


Can a sole trader claim back lease payments?

Hi

I need to buy a new or second hand car. I'm thinking of going the leasing route because I have been told that I can put it through our business, which is a sole trader business, as an expense and we can claim it all back against our income. Also, I'm told that, as we are sole traders, we are exempt from benefit in kind. It sounds to good to be true!

Look forward to your advice

Shane Cox (Moycullen Galway)

Dec 2015 Filed under: finance

Expert answer

Hi Shane,

We enlisted the expert assistance of Conlan Crotty Murray & Co (Leopardstown, Dublin 18, 01 295 9090, www.conlancrottymurray.com) to answer this one for you. Here's the response:

"Generally speaking, leasing companies will only lease new cars.  On the basis that the individual decides to lease a new car then the rental payments under the lease agreement should be treated as an expense in the accounts of the self-employed individual.  As the lease period is usually three or four years this provides for a significantly accelerated write-off of cost for tax purposes as compared with the purchase of an owned vehicle where the tax write-off under the capital allowance regime is spread over eight years.  However, at the end of the lease period if the vehicle is traded in against a new vehicle the trade in allowance on the first leased car may trigger a claw-back of lease charges previously deducted for tax purposes. 

To the extent that the individual uses the car for private use in addition to business use then an appropriate restriction on the tax deductibility of the leasing charges should be applied. E.g. if the car is used 40 per cent for private use, then 40 per cent of the lease payments should be disallowed as an expense in computing income for tax purposes.  The benefit-in-kind provisions referred to by the reader do not apply to self-employed individuals.  The benefit-in-kind rules would apply to the extent that a leased car is provided by an employer to an employee in computing the employee's payroll tax liability.  There is no private use restriction on the tax deductibility of leasing expenses for a car where the car is supplied to an employee and that employee uses the car for private purposes.

Some of the annual lease rental expense may be clawed back in the computation of income for tax purposes if the car has a retail value at inception of the lease of more than €24,000 and the CO2 emissions from the car do not exceed 155g/km.  If the car has CO2 emissions of more than 155g/km, but not exceeding 190g/km, the value of the expense deduction for income tax purposes is restricted by reference to a reduced capital limit of €12,000.  Where the CO2 emissions on a car exceed 190g/km, no deduction for leasing costs is permitted in calculating the individual's income tax liability for the year.

Therefore, for new leased cars costing no more than €24,000 with CO2 emissions not exceeding 155g/km the lease payments may be written-off against income tax over the course of the lease period.  

We recommend that professional advice be sought before entering into any lease arrangement."

I hope that clears it all up for you Shane.


Is the Toyota RAV4 worth the price?

Hi,

I want to trade in my 2008 Ford Focus diesel for a new or nearly new car. I really like the SUV style. I drive at least 1,000km per week to and from work so I need something that's reliable, will hold its value and able for big mileage. I really like the Toyota RAV4, but is it worth the price?

What car would you suggest?

Joanne Stafford (Wexford)

Dec 2015 Filed under: choosing new car

Expert answer

Hi Joanne,

The RAV4 is most definitely worth the price, and it's one of the best cars Toyota currently makes - spacious, reliable and not at all bad to drive. Worth looking at the Nissan Qashqai and Renault Kadjar too, as well as the Skoda Yeti and Mazda CX-5. You won't go wrong with any of those choices, but given your high mileage take a very close look at the Renault and the Nissan - they'll be the most economical overall.

Relevant reviews:

Toyota RAV4 review

Nissan Qashqai review

Renault Kadjar review

Skoda Yeti review

Mazda CX-5 review


Does my Audi A3 need an oil change?

I have an Audi A3 hatchback 1.4 petrol with only 5,500km on the clock, doing short trips. Bought the car in September 2014. Do I need an oil and filter change?

Frank Dodd (Dublin)

Dec 2015 Filed under: servicing

Expert answer

Hi F D,

We'd recommend readers change their cars' oil and filter at least once a year regardless of mileage. Short hops are actually tougher on the engine (and its oil) as it does a lot of its driving when not fully warmed up.


Which Toyota Avensis estate to go for?

I'm looking at getting a Toyota Avensis estate between 2010 and 2012. I'm just wondering about the mileage on them. Would I be better to go for a 2010 model with lower miles or a 2012 version that may have higher mileage?

James Matthews (Waterford)

Dec 2015 Filed under: choosing used car

Expert answer

Hi James,

The secret is not to worry about the mileage, especially on a car as inherently reliable as an Avensis. Simply buy the one that is in the best condition, has been cared for the best and which comes with a full and complete service history. If both cars are identical in those respects, then simply buy the one your prefer.


What cars fit three child seats in back?

What cars take three full car seats in the back?

Anne Davis (Waterford)

Dec 2015 Filed under: child or baby seats

Expert answer

Hi Anne,

Most MPVs will, so Citroen C4 Picasso, Renault Scenic, Ford C-Max, Peugeot 5008, Kia Carens and so on. The bigger ones too, of course, such as the Ford S-Max and Galaxy and the SEAT Alhambra. If you want something sleeker, such as a saloon, estate or SUV then it comes down to how bulky the child car seats are. Rule of thumb is to always bring the seats (and preferably the kids, even though I know how awkward that is) on a test drive to make sure that they'll all fit in comfortably.


What happens with a late registration?

This is my supplementary question to Neil Briscoe regarding VRT on classic cars. Thank you for following up Neil. Regarding the fact that the car in question has been in Ireland since 2006 without being registered, will this mean that a surcharge will apply on registering the car now due to the lateness of that registration?

Many thanks again

James

James Edwards (Tullow)

Dec 2015 Filed under: classic cars

Expert answer

Hi James,

Well, the rule says that when a vehicle is imported it must be booked for an NCT inspection and VRT valuation within seven days of its arrival in the state. The process of registration and payment must then be completed within 30 days of arrival.

Now, it's just possible that there may be a a valid reason why this car hasn't been registered, or it may have been declared off the road at the time of entry. I think you need to get on to your local tax office and ask for help with this though as there could well be a fine in the offing, never mind a surcharge.


Any issues with the Mazda 323?

What are the most common problems with the 2002 Mazda 323 GLX? Is there anything I should look out for when buying one?

Levi Billings (Mayo)

Dec 2015 Filed under: reliability

Expert answer

Hi Levi,

There's actually nothing specific to check - those old 323s are really solid cars. But, as I say, they are old now so check all the basics - listen for any nasty rattles, clonks or knocks, check for damage underneath the car and under the boot carpet etc. Check that things like the heater, wipers and lights are all working properly.


Is the Mitsubishi Outlander worth a look?

We are looking for a seven seater to replace our 2005 Land Rover Discovery. The tax needs to be less and I see the Outlander looks good in that respect. Are there any PCP deals available on cars of this type?

Louise Phillips (Dalkey)

Dec 2015 Filed under: choosing new car

Expert answer

Hi Louise,

Yup, the Outlander is a cracking car (although you'll have to accept that it's not as spacious as the Discovery) and Mitsubishi does indeed have PCP plans available. Your local dealer will have all the details.

Read our review of the Mitsubishi Outlander


Ford Galaxy or Citroen Grand Picasso?

Which is a better seven-seater: Ford Galaxy or Citroen Grand Picasso?

Daniel Lenihan (Limerick)

Nov 2015 Filed under: choosing new car

Expert answer

Hi Daniel,

Two very different cars there. The Galaxy is bigger and has seating for full-sized adults in all three rows. The Citroen is considerably smaller and, realistically, you're only going to be able to fit kids, and not very tall ones, into the third row seats. The Citroen will be considerably cheaper to buy and run than the Galaxy, however.