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Friday, July 17, 2009

Protect your credit score during divorce

There are ways to prevent racking up debt during this difficult time

By Sally Herigstad

To Her Credit
To Her Credit, Sally Herigstad
Sally Herigstad is a certified public accountant and the author of "Help! I Can't Pay My Bills: Surviving a Financial Crisis" (St. Martin's Press, 2006).

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To Her Credit archive

Question for the CreditCards.com expert

Dear To Her Credit,
I am going through a divorce. After being a stay-at-home mother for seven years, I am seeking employment. I have four credit cards with long great histories, and my credit score is 817.

I am currently living off my credit lines, but I need more credit to cover lawyer fees for a short period of time. Is it better to open a new card or to request credit limit increases from my existing cards? I have cards from Citi, Chase, Gap and one from Care Credit to cover medical expenses. -- Amy

Answer for the CreditCards.com expert

Dear Amy,
Your credit score is very high! A score like that can help you by making it easier to move if necessary, get more credit or even get a job. If you run your credit cards up, however, your credit score could be endangered. That's one reason I urge you not to live off your credit cards or use them to pay legal fees, except as a very last resort.

I often get letters from readers who wish they were back where you are now -- with a squeaky clean credit history and credit limits that are not maxed out. Once they've run up their cards, their debt is a heavy burden. It's amazing how quickly the balances can go up until you can't see any way out. You don't need that added stress now!

The first thing you should do is start getting checks for living expenses from your husband so you're not living on credit cards. A lawyer or a low-cost legal service should be able to arrange that for you very quickly.

Next, find some way to pay legal expenses until your divorce is settled. You are asking if you should get new cards or request credit limit increases on your existing cards. I don't think it matters which cards you use (assuming the terms are equal) -- piling on credit card debt is a terrible idea. Instead, look at other options for paying your legal fees.

1. Plan for a low-cost divorce. I know someone who bought a $24 do-it-yourself divorce kit and filled in the blanks herself. Every time her husband balked, she asked, "Can you afford a lawyer?" They split everything up with other costs except the filing fees at the courthouse.

Most people need more legal help than that, especially if they have been married a long time, have children or if one spouse needs support. If you have any doubt about needing legal help, you should get the best you can afford, especially if you have children.

The best help is not always the most expensive, however. You may be able to cut down on legal expenses by working with a divorce planning professional before you hire an attorney. Lisa C. Decker, a certified divorce financial analyst, helps clients with pre-divorce planning. She says, "If they can work out the financial and children's issues on their own, they likely have nothing left to fight about. They can save thousands and thousands of dollars in the divorce process by then taking the agreement they have worked out with their spouse to an attorney to draw up the legal documents as an uncontested divorce." Decker keeps argumentative spouses on track by acting as the voice of reason. "It's hard to fight the reality of the numbers in black and white," she says. "I ask clients or their spouses, 'Do you want to put money into your own retirement or your attorney's retirement?' or 'Do you want to fund your children's education or your attorney's kids' education?' That usually brings them back to reality in an emotionally charged situation."

Find a lawyer who charges reasonable fees and will discuss fees ahead of time. Some lawyers even charge a flat fee so there are no surprises. A high-priced lawyer is not necessarily better -- it pays to shop around.

2. Ask your lawyer about payment arrangements. Yours is not a unique situation. However, lawyers are not likely to defer all payments until the divorce is finalized because the chances are so high that they may not get paid at all that way. "The typical story goes along these lines," says Joshua P. Friedman, a collections attorney in Los Angeles. "Wife hires the attorney, makes a few small payments, but then cannot afford to make more payments until the divorce is finalized and the separation of assets and spousal support is finalized. The wife explains the situation to the attorney. The attorney agrees to defer payment until the divorce is finalized. The then ex-wife does not pay the attorney." Assuming the attorney has received some fees, Friedman suggests, "A fairer policy...would be to pay a small monthly retainer (say $1,000 or so, depending on the monthly attorneys' fees bills) and have the balance of the legal fees deferred until after the divorce is finalized. I would have trouble imagining any family law attorney that would reject that."

Attorneys in most states are prohibited from taking their fees out of the divorce settlement.

3. Your lawyer may be able to arrange for your husband to pay the legal fees. "In Florida, if one party is the main breadwinner, the other party may petition the court for a temporary award of attorney fees," according to Shane Fischer, an attorney in Florida.

4. Your parents or someone else who is close to you may be willing to make a short-term loan to you. I'm generally reluctant to recommend personal loans, but your parents have a vested interest in seeing that you and your children get good legal help and financial support. At least your parents won't charge you high interest fees, and if you expect a good settlement, you should be able to pay them back quickly. Do not choose this option if it will be a hardship for them or endanger their financial security.

Your credit score is one thing you have going for you right now. Take care of it!

Poll: Americans losing sleep over finances

Two out of three people say sleep affected by financial worries

By Connie Prater

More than two out of three Americans are losing sleep worrying about their finances in the tough economy, including more than one in five who report tossing and turning at night because of credit card bills, according to a new CreditCards.com poll.

What's troubling your sleep?

Nearly 69 percent of respondents say worries about financial matters occasionally keep them awake at night. Saving enough money for retirement and the ability to pay for health care or insurance bills are the reasons cited most often for sleep loss.

Is debt keeping you awake? Our new poll says yes.

Click to enlarge

Restless nights and insomnia due to financial troubles are an occasional problem for 69 percent of Americans, according to the scientific telephone poll of 1,004 Americans fielded by GfK Roper. That number's up significantly from the 56 percent who reported losing sleep over finances in March 2007, well before the current recession.

Finance and sleep experts say the results aren't surprising given the U.S. economy and job losses, mortgage crisis and credit crunch gripping the nation. Millions of credit cardholders have seen interest rates jacked up, fees increased or minimum payment amounts hiked in recent weeks. Personal bankruptcy filings are also rising in the wake of the financial crisis.

"If people can't pay their bills and they're having financial problems, they worry and they go to bed and they can't fall asleep," says Dr. Meir Kryger, director of research and education at Gaylord Sleep Services in Wallingford, Conn., and author of the book, "A Good Night's Sleep." "It's a very significant added stress."

Poll results
The poll, conducted June 26-28, 2009, on behalf of CreditCards.com by GfK Roper, a division of GfK Custom Research North America, contacted 1,004 adults through random-digit dialing. The survey had a margin of error of plus or minus 3 percentage points. (See poll methodology.)

Survey participants were given a list of items and asked to identify which were causing occasional bouts of sleeplessness. Their responses (in order of sleep deprivation):

  • Saving enough money for retirement (40 percent).
  • Health care or insurance bills (35 percent).
  • Ability to pay mortgage and monthly rent bills (28 percent).
  • Ability to pay your own or someone else's educational expenses (27 percent).
  • Ability to pay credit card debt (23 percent).

Nearly a third of the respondents (31 percent) are apparently sleeping soundly at least where finances are concerned. They said none of those financial matters caused them to lose sleep.

Sleep loss a sign of the economic times
There's no doubt the financial crisis and recession have affected Americans' sleep patterns. Sleep loss over paying for health care, retirement and other financial matters has increased 13 percentage points in the two years since a March 2007 CreditCards.com poll, which posed the same question to survey participants.

Tips for sleeping through the credit crisis
  • Talking about your financial troubles with family or friends may help reduce anxiety and increase sleep.
  • Try meditating, deep breathing or other techniques to take your mind off of your financial problems before bedtime.
  • Seek professional help from a counselor or sleep expert -- if you can afford it.
  • Adjust lighting and temperature in your bedroom to improve sleeping comfort. Avoid sleeping with the lights or television on.
  • Exercise regularly but not too close to bedtime. Leave at least three hours between workouts and bedtime.
  • Reserve the bedroom for sleeping or sex. Avoid watching television or working on the computer in the bedroom.
  • Avoid caffeine and alcohol close to bedtime. Both can interfere with sleep. Some people may be able to drift off to sleep with a glass of wine, but they may awaken in the middle of the night.

For more information on sleep disorders and for a list of sleep experts, contact the National Sleep Foundation.

The 2007 poll showed 56 percent of respondents reporting occasional sleep loss over financial matters -- compared to 69 percent in the 2009 survey. Reports of sleeplessness increased across the board between 2007 and 2009 -- with the greatest increase (20 percent to 28 percent) in sleep loss occurring for people worried about paying the mortgage and rent. Saving money for retirement also rose on the sleep loss scale from 34 percent to 40 percent, health care and insurance worries rose from 28 percent to 35 percent, education costs went from 20 percent to 27 percent and concern about the ability to pay credit card bills increased from 17 percent to 23 percent.

Other highlights of the 2009 poll include:

  • Women were more likely than men to say they've lost sleep over financial matters in general. Nearly three quarters of women (74 percent) say they've lost sleep occasionally over finances compared to 64 percent of the men in the poll who reported sleep loss.
  • People 50 to 64 years old lost more sleep over their health care or insurance bills than any other age group (41 percent). And exactly half (50 percent) of 35- to 49-year olds lost sleep over saving enough money for retirement, followed closely by 45 percent of 50- to 64-year-olds.
  • People earning $30,000 to $39,999 may be tossing and turning more than any other income group. Half of them (50 percent) report losing sleep over saving enough money for retirement, 48 percent were sleepless over mortgage and rent payments and nearly a third (32 percent) report sleep loss due to credit card debt.

Experts say women are more prone to sleep loss than men. Some say it's because of women's fluctuating hormone levels throughout their lifetimes. Hormones affect the central nervous system, which can interrupt normal sleep patterns.

Culturally, women also tend to lose more sleep than men because they are often family caregivers. If a spouse or loved one is in financial trouble, the woman of the family may feel the impact in her sleep. "If someone in their family is sick and need help, they are the ones who are staying up at night," says Kryger.

Gender differences: Who sleeps less?

Women are much more likely than men to report losing sleep over financial issues. The chart compares male and female responses in March 2007 and June 2009. Both sexes report more sleep loss in 2009 compared to before the recession.

"A lot more people are concerned about credit cards because of the changes in the interest rates," says Michael V. Vitiello, a professor of psychiatry and behavioral sciences at the University of Washington in Seattle. He says concerns about saving enough for retirement likely affected older adults who saw their retirement nest eggs erode in the Wall Street meltdown.

"If you were heavily invested in the market, then the downturn led to a cutback on everybody," he says. Those still in the work force are worrying about health care costs. "People a bit younger are thinking, 'I've got this kind of coverage in my current situation. What am I going to do once I leave full-time employment?'" Vitiello says.

How much is not enough sleep?
According to sleep experts, you may have a sleep problem if you experience any of the following for more than a month:

  • Have difficulty falling asleep at night.
  • Awake in the middle of the night and can't go back to sleep.
  • Wake up too early in the morning.
  • Feel tired during the day.

People losing sleep over money problems may find themselves in a kind of catch-22. Lack of money to pay for professional help in combating sleep disorders can cause more anxiety and sleep loss.

"They lost their job and can't afford COBRA. They may not be able to pay for health care. All of a sudden they can't get the necessary therapy," says Kryger, who adds a growing number of patients at his Connecticut sleep clinic are wrestling with this issue. "That adds to their worry. Some people are stuck in a vicious circle."

Poll methodology
The 2009 survey was conducted from June 26-28, 2009, and the 2007 survey from March 5-12, 2007, by GfK Roper Public Affairs & Media on behalf of CreditCards.com. Random digit dialing telephone interviews were conducted with 1,004 adults ages 18 and over in 2009 and 1,000 adults in 2007. The raw data were then weighted by a custom designed computer program that automatically developed a weighting factor for each respondent, employing five variables: age, sex, education, race and geographic region.

The total margin of error on weighted data for the full sample is plus or minus 3 percentage points at the 95 percent confidence level.

2009 Kia Forte LPi Hybrid Released In Korea

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KIA’S ULTRA-FRUGAL Forte LPi Hybrid sedan is now on sale in Korea, offering buyers low fuel consumption, low emissions and incredibly low running costs.

The Kia Forte LPi Hybrid uses just 5.6 l/100km on the combined cycle and emits only 99 grams of CO2 per kilometre.

However, with power shared by a 1.6 litre engine tuned to run exclusively on LPG (liquified petroleum gas), the cost of keeping it fueled up is a fraction of the cost of a petrol-powered vehicle with similar fuel economy.

Taking power to the front wheels is a CVT gearbox. A stop-start system reduces fuel consumption in urban driving and a regenerative braking system charges up the on-board lithium-ion batteries during braking and coasting.

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A drag-reducing bodykit cuts wind resistance and improves fuel economy as well.

Although the Kia Fore is sold here badged as a Cerato, the LPi Hybrid variant is not yet confirmed for the Australian market. However, the Australian arm of the Korean automaker is keen to see it in local showrooms, and hopes to start evaluating the model on our soil soon.

“As far as the Forte LPi Hybrid goes, we’re certainly interested in evaluating the car here before we go any further,” Kia’s public relations manager Jonathan Fletcher told TMR.

“We hope to be able to bring at least one car here before the end of the year for evaluation purposes.”

Differences in the composition of liquid petroleum gas sold in Australia and that sold in Korea will likely be the deciding factor in whether or not we see a Cerato LPi Hybrid anytime soon.

However, with an extensive LPG distribution network and a motoring public that’s not averse to gas burners, such a car may prove to be a real money-spinner for Kia Australia.

Toyota Planning New Auris Hybrid: Corolla-Badged Model “Under Study” For Australian Market

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TOYOTA HAS ANNOUNCED plans to manufacture a full hybrid version of its Auris small car (known as the Corolla hatch in Australia) at its Derbyshire plant in the United Kingdom.

While there are no solid plans to bring it here, Toyota Australia has told TMR that the petrol-electric hatchback hasn’t been entirely ruled out for our market.

Production of the Toyota’s first European-built hybrid will commence in mid-2010, with technical details still unknown.

A variant of the new Prius’s 1.8 litre Atkinson-cycle petrol engine and Hybrid Synergy Drive system are tipped to be destined for the Auris Hybrid’s engine bay, however it would not be entirely surprising if the 1.5 litre petrol-electric powerplant of the second-gen Prius was taken out of retirement for the Auris.

toyota_auris_02

Despite the popularity of diesels in Europe, Toyota’s reluctance to incorporate an oil-burning powerplant in a hybrid vehicle means a diesel-electric powertrain for the Auris Hybrid is unlikely.

Exports to Australia aren’t likely either, with Toyota Australia’s public relations manager Mike Breen telling TMR that “there is no current plan to introduce the Auris (Corolla) hybrid to the Australian market”.

However there is a faint glimmer of hope, with Breen saying that, “as with all new models, it is under study”.

The current petrol-only Auris also utilises a fuel-saving start-stop system in the European market, however Breen said that start-stop is not a technology that Toyota Australia is looking to include in locally-delivered models any time soon.

Will the all-new third generation Prius and the incoming Camry Hybrid be enough for Toyota’s eco-friendly line-up in Australia, or would a hybrid Corolla hatch complement the range and generate more sales for the company?

Time - and market forces - will tell.

2009 Audi TT Range Gets Thrifty Diesel And Petrol Engines

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AUDI AUSTRALIA has announced the addition of two new engines to its TT line-up, both of which offer improved fuel economy for the two-seat coupe.

First up is the 1.8 TFSI turbocharged petrol inline four, which produces 118kW and 250Nm. It’s not the most powerful motor in the TT range (in fact, it’s the least powerful), but it uses just 6.7 litres of petrol on the combined cycle.

Available with a six-speed manual and front-wheel-drive only, the Audi TT 1.8 TFSI is the new entry-level model for the line-up, taking over from the 2.0 TFSI.

2009_audi_tt_20-tdi-quattro_06

The thrifty engine is still able to propel the TT at a decent speed, however, with the 0-100km/h sprint being done away with in 7.2 seconds and top speed pegged at 226km/h. With a fuel consumption figure of less that 7.0 l/100km, the 1.8 TFSI is also exempt from the luxury car tax and wears a pricetag of $64,900 (before on-roads).

TTC080007

But while the 1.8 TFSI is economical, the new 2.0 TDI is even more frugal. With 125kW and 350Nm on tap from its turbocharged 2.0 litre diesel, the Audi TT 2.0 TDI uses a scant 5.3 l/100km on a combined urban/highway cycle and emits just 139g/km of CO2, yet can still sprint to 100km/h from rest in just 7.5 seconds.

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Like the 1.8 TFSI, a six-speed manual only transmission on offer in the 2.0 TDI. However, power is taken to all four wheels by Audi’s quattro AWD system, enhancing traction and improving handling.

The 2.0 TDI also earns itself a green exemption from the luxury car tax thanks to its low thirst for fuel, and is priced at $70,990 before on-road costs.

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Another new addition ot the TT range is the Audi TT 2.0 TFSI quattro S tronic, the AWD version of the existing FWD 2.0 TFSI S tronic. Thanks to the improved grip of the quattro system the 2.0 TFSI is now nimbler through the corners, and can accelerate to from zero to 100km/h in 6.2 seconds on its way to a top speed of 238km/h.

Audi A6 Range Gets New TDI Engines

audi_a6_tdi_01

THE 2009 AUDI A6 range, launched back in February, has now been joined by the fuel-sipping diesel-powered 2.0 TDI and 2.7 TDI.

The new A6 TDI models also offer an additional advantage to buyers: the 5.8 l/100km fuel consumption figure and $74,500 price of the A6 2.0 TDI makes it exempt from the Luxury Car Tax.

The 6.4 l/100km A6 2.7 TDI is partially exempt, with LCT being charged only on the $78,500 price tag.

audi_a6_tdi_05

The A6 2.0 TDI is powered by a 2.0 litre turbocharged four-cylinder diesel engine, producing 125kW and 350Nm of torque.

Paired with Audi’s multitronic transmission, the A6 2.0 TDI covers the 0-100km/h sprint in 8.9 seconds on its way to a top speed of 218km/h.

The 2.7 TDI draws 140kW and 380Nm from its diesel V6 engine and, combined with Audi’s multitronic transmission, sprints to 100km/h in 7.9 seconds and reaches a top speed of 227km/h.

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The new diesel models bring with them a range of features to enhance their efficiency, including friction reduction management on pistons and cylinder liners, a redesigned power steering pump and a new two-stage oil pump, and optimised transmission ratios.

2009 HSV Clubsport R8 Tourer Road Test Review

2009_hsv_clubsport-r8_tourer_road-test-review

THE IDEA of a performance wagon is not a new one. The practice of combining performance and family practicality has been a concept that European manufacturers have turned into an art form.

Take the BMW 335i Estate that we recently tested. It was hard to fault: close to perfect, even. But then, for $112,000, it would want to be.

Audi is also partial to a fast wagon, except the German luxury marque calls it an ‘Avant’ and fast is now a relative term, recently put into context by the fearsome V10 twin-turbo RS6 Avant.

With a sticker price of $270,000 (give-or-take), the RS6 Avant is well out of the reach of all but a few, though that stack of cash will buy one of the heftiest amount of kilowatts currently doing the rounds in a wagon (or any car for that matter) - 426kW to be precise.

Will it buy you a deeply satisfying drive though? Apparently not, according to some RS6 reviewers.

Which is where a car like HSV’s R8 Tourer, at a quarter of the Audi’s price, has an unexpected advantage. Driving it is a deeply satisfying experience.

2009 VE HSV Clubsport R8 Tourer

This time around, Holden’s Sportwagon (which is based on the short wheelbase sedan platform), has provided HSV with the perfect base for a hi-po wagon and the folks at Clayton have taken the ball and run with it.

As a result the R8 Tourer shares nothing with the AWD Avalanche or the VT Commodore-based Senator Signature of 1997, its slow selling, long-wheel-base wagon forebears.

Instead it presents as a muscle-bound European-style wagon. One that provides enough extra luggage capacity (over the sedan) to satisfy most families, but not so much that it appeals to Telstra’s fleet buyers.

Styling

Up-front the R8 Tourer is identical in styling to the sedan. There is the same snub ‘bulldog-like’ nose and stance, and while the Commodore may look a little cartoonish in standard form (largely due to those oversized wheel arches), it all comes together on the HSV range.

Transforming the humble Commodore sedan into the E-Series R8 Clubsport saw HSV spend a small fortune restyling the tail-lights, differentiation from the basic Holden product being an important part of HSV’s modus operandi.

In contrast, HSV has taken a low-key and less expensive ‘parts-bin’ approach with the rear of the Tourer. There’s a Commodore SS Sportwagon bumper facia, a chrome strip from the Calais V and the tail-lights are standard Sportwagon.

2009 VE HSV Clubsport R8 Tourer

For HSV it is a subtle and surprisingly effective approach, that combines well with the hint of menace provided by the quad-exhausts and wide rear rubber.

In our Tourer’s case, that tight and well-proportioned rear hunkers down over a meaty pair of optional 20-inch alloy wheels shod with some fairly serious 275/30 series Bridgestones.

Squat, compact, well-proportioned and aggressive. The R8 Tourer looks good from any angle, in-particular the rear three-quarter view, where a masterful blend of body style, ride height and big wheels combine to create one of the sexiest rumps around.

Mechanical Package

Turning the key fires up the mighty LS3 6.2-litre V8, and as Clubsport afficionados will know, that currently puts a gruff 317kW and 550Nm at the drivers disposal.

Built by General Motors Powertrain in North America, the LS3 also powers the latest Corvette and for a while there, the Commodore based Pontiac GXP.

The Tourer on test was fitted with the new Tremec TR6060 six-speed manual, which is a vast improvement over the previous MIO Tremec T56 box.

Those preferring an auto will need to shell out an extra $2,330 for HSV’s re-calibrated six-speed automatic, but our advice would be drive the manual before making that decision. It still lacks a rifle-bolt action, but it’s a satisfying drive for those who like to change their own gears.

2009 VE HSV Clubsport R8 Tourer

The R8 Tourer runs the same standard brake package as the rest of the HSV range (except of course the limited edition W427). That means 365mm front and 350mm rear, grooved and ventilated rotors and HSV specific four piston front calipers, all developed in conjunction with AP Racing.

Where the Tourer really shines is in the chassis stiffness department. Coming in a whopping 30 percent stiffer than the sedan, it’s also 100kg heavier - weighing in at a hefty 1914kg, in manual form.

HSV has developed a unique suspension tune for the Tourer; with springs that are around 20 percent stiffer all-round, rear-dampers borrowed from the Maloo and a smaller diameter rear anti-roll bar than the one found in the R8 Clubsport.

The tailor-made approach continues through to the electronic stability control progam, which has also been specially developed for the Tourer.

The Interior

Aside from the obvious change - a wagon rear end - the Tourer is all E-Series Clubsport inside.

2009 VE HSV Clubsport R8 Tourer

Which means HSV’s unique Clubsport R8 front pews dominate the interior, looking for all the world like a couple of shovel heads for big aussie bums. The rear seat also gets the HSV treatment, and, in the case of our test car, the whole lot came wrapped in leather, a $2,490 option.

Other HSV additions include the requisite and rather chunky, leather-wrapped sports steering wheel, a set of white-faced instruments, and an integrated three-gauge, dash-top auxiliary gauge cluster.

The leather-wrap treatment extends to the gear selector and the de rigueur alloy faced pedals, a HSV staple.

2009 VE HSV Clubsport R8 Tourer

For a wagon that has essentially placed style well ahead of function, there is a reasonable and usable 895 litres of cargo space, compared to 496 litres in the sedan. Fold the rear seats down and that more than doubles to a whopping 2000 litres.

The rear seats feature a 60/40 split layout, while a retractable luggage cover is standard fitment, along with two shopping hooks and four D-ring tie-down points.

Equipment and Features

The Clubsport may have been born as a bare bones performance sedan back in 1990, but there is nothing bare bones about the equipment and features list in its latest E-Series and Tourer guise.

In addition to the exclusive HSV interior and exterior features, the Tourer is well-stocked with ‘the good stuff’. Audiophiles are well catered for with a 150 watt, 9-speaker Blaupunkt six-disc in-dash MP3 compatible Audio system.

A 6.5″ multi-function display colour LCD screen located in the centre stack, displays stereo, heating and air conditioning information.

2009 VE HSV Clubsport R8 Tourer

All Tourers are equipped with dual-zone climate control, while the most sensible standard inclusion is the reversing camera and park assist function (rearward visibility in the Tourer is somewhat compromised by those massive d-pillars).

The Tourer’s passive safety arsenal centres around HSV’s Control and Handling Electronic Stability Control system which incorporates all the requisite acronyms including, Anti-lock Braking (ABS), Electronic Brake force Distribution (EBD), Electronic Brake Assist (EBA) and Traction Control (TCS).

Active safety features include dual-stage airbags for driver and front passenger in addition to curtain airbags.

The front lap/sash seat belts include load limiters and pyrotechnic pre-tensioners, in addition to active front seat head restraints designed to help reduce risk of whiplash injury in the event the Tourer is hit from behind.

2009 VE HSV Clubsport R8 Tourer

On the outside, the Tourer is fitted with 19″ x 8″ front alloy wheels with 245/40 R19 tyres, and 19″ x 9.5″ rear alloy wheels with 275/35 R19 tyres at the rear. Buyers have the option of turning up the visual temperature substantially by ticking the 20″ wheel option.

An additional $2,500 will see HSV fit your Tourer with 20″ Pentagon alloy wheels, 20″ x 8″ up front with 245/35 R20 tyres and 20″ x 9.5″ in the rear with 275/30 R20 tyres.

Whatever wheel size is chosen, the Tourer includes a full size spare wheel and tyre (as per front wheel and tyre).

The Drive

If it feels, smells and drives like a Clubsport, then it must be a Clubsport - right?
To properly test the Tourer we chose a circuitous route that took us through the Macedon Ranges, across to Trentham and Daylesford and then back into Melbourne on the Western Highway.

It’s a mix of plain vanilla highway miles and plenty of winding, often lumpy, country roads that wind their way across the top of the ranges.

First impressions once on the move were that you don’t feel the extra 100kg that the Tourer carries over the sedan (largely in the rear). It feels just as agile; just as solid and chunky in the way that is peculiar to the E-Series range.

The acceleration is - as we’ve come to expect from the LS3 - thunderous. Stoke the fires of the small-block Chev and a melodious rumble erupts from the very depths of the engine. Those little hairs on the back of your neck rise up and you are soon looking for the next reason to drop back a gear and tickle the throttle again.

2009 VE HSV Clubsport R8 Tourer

It wasn’t so long ago that the definitive V8 exhaust soundtrack belonged to Ford’s Boss V8, but for the moment at least, the LS3 has the Boss licked in that regard.

The Tourer’s steering is as finely-honed as the sedan: offering excellent feedback and feel through the wheel, turn-in is accurate and immediate. For such a large car there is a real sense of lightness and finesse about the way the E-Series steers.

The deftness of the Tourer’s controls, and the ‘wall of grunt’ provided by the LS3, combine to provide a heady mix of precision and power, the Tourer displaying an inherent balance that is as surprising as it is difficult to define.

Maybe it’s the 30 percent stiffer body structure, or the suspension tune that is specific to the Tourer. Or it could be that the extra weight over the rear wheels adds to the overall balance and poise. Whatever it is, the Tourer feels right.

You can place the Tourer precisely into a corner, let the rear settle, clip the apex and then punch it out the other side. The rear-end grip offered by those hefty Bridgestone boots is prodigious and the whole package feels completely predictable.

In fact, stringing corners together is where the Tourer really shines, the impressive rear-end grip allowing you to feed in a bucket load of throttle on second and third gear bends, before triggering the ESP.

Hauling the 2,000kg+ (with driver and fuel) Tourer up, requires a solid push on the brake pedal, but once they bite, the big brakes do their job well enough.

The new Tremec TR6060 six-speed manual is a vast improvement over the Tremec offerings in previous HSV’s. The shift action is lighter and more positive and you no longer have to physically wrestle the stumpy lever across the gate to select the lower gears.

Gear changes still lack any real feel, while the clutch pedal requires a purposeful prod and is too springy on the uptake, but it is a vast improvement over previous HSV and Holden manuals.

2009 VE HSV Clubsport R8 Tourer

In fact, compared to the auto R8 Clubsport that we tested earlier this year, the manual is now a superior and more satisfying drive.

Out on the road, it’s only the regular glances in the rear-view mirror that remind you this is a wagon and not a sedan and they serve to highlight one of the few issues that the Tourer (and Sportwagon) suffer - rearward vision.

Thanks to those massive d-pillars, it’s like looking back through a narrowing cave. It takes a while for your depth-of-field to adjust, forcing you to rely even more on the door mirrors, which suddenly seem too small.

It really was a sensible move by HSV to make the rear view camera and parking sensors standard fitment items on the Tourer, as you strike the same issue when reversing.

The Tourer, like all of HSV’s V8 range, clearly thumbs its nose at the greener folk amongst us, yet despite the enormous engine and two tonne kerb weight, we managed to achieve 14.6 l/100km on our test route, and it was no economy run.

2009 VE HSV Clubsport R8 Tourer

Use a deft touch and make full use of that tall overdrive sixth gear and we suspect that 10.0 l/100km or less would be achievable on the open road.

Around town is a different story of course, and you’ll watch the fuel consumption rise past the 15.0 l/100km mark, but you don’t buy a V8 if you are going to have sleepless nights over fuel consumption - right?

Of course, for those who like their HSVs but want to reduce their carbon footprint, and pain at the pump, then it should only be a short wait until HSV introduces the option of LPi (Liquid Propane Injection) to the V8 range, either later this year or early in 2010. You’ll then be able have your V8 cake and eat it too.

Rear-vision aside, the R8 Tourer really does feel and smell like the Clubsport sedan, only we think it’s an even better drive.

The Verdict

“It’s a real peach…” was how HSV’s PR man, Simon Frost, described the R8 Tourer after we rather reluctantly returned it to HSV.

Having had a week at the wheel, we agree. The R8 Tourer is one of those rare cars that satisfies on all counts. There is an intangible feeling of completeness about the way it looks, feels and drives.

That HSV, and Holden, has produced so much car with such performance, and at a fraction of the cost of highly-fancied Euro performance wagons, is a real achievement.

As much as we like the R8 Sedan, the Tourer costs a mere $1,000 more, looks better, is infinitely more practical and provides a subtle but noticeably improved driving experience.

We believe it’s one of the best overall packages ever produced by the folks in Clayton - a real ‘peach’.

Likes

  • Seemingly endless torque from the LS3
  • Styling is just about perfect
  • Manual gearbox is better than ever
  • Balance and Handling is hard to fault
  • Rear-end grip is stellar
  • Infinitely more practical than the sedan
  • Sexy (optional) 20 inch wheels

Dislikes

  • Poor rear vision
  • Thirst for Premium Unleaded
  • Small instuments are hard to read

2011 MINI Crossover To Wear Countryman Name: Report

mini_crossover_concept_01

ACCORDING TO a trademark submission made by BMW, the company’s upcoming MINI crossover may wear the Countryman name.

The timing of the submission strongly supports speculation that the Countryman moniker will be used by the high-riding MINI CUV, which is expected to debut at the Frankfurt auto show in September.

The Countryman badge also has a history with the original Austin Mini, being used on the long-wheelbase wagon variants of the 1960s-era microcar. Given BMW-owned MINI’s recent revivals of other Mini names (Clubman, anyone?), the Countryman would be an apt choice for the new crossover.

mini_crossover_concept_02

Pre-production prototypes have been spotted orbiting Germany’s Nurburgring Nordshleife, and styling is expected to be faithful to that of the MINI Crossover Concept shown late last year at the Paris motor show (pictured).

The production model is expected to share the regular MINI’s transversely-mounted powerplants, however drive will be taken to all four wheels via an AWD system, instead of just the front axle.

The Countryman will also be larger than the MINI Cooper in every dimension, being a five-door hatch of a similar size to the upcoming BMW X1.