How Newlyweds Should Handle Cash Wedding Gifts When Buying a House

The standard bridal registry contains an array of home goods, typically ranging from stemware to linens, decorative items, and even electronics like televisions. However, couples today are not tied to tradition. For them, cash wedding gifts are most appreciated especially for the couple that plans to use these monetary wedding gifts as part of a down payment on a house.

According to the U.S. Census Bureau, the average cost of a new home in the United States is $380,000. For just a 3-percent down payment, newlyweds would need $11,400, while a 5-percent down payment would be $19,000. Creating a home fund as part of your wedding registry can help.

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Types of Gift Funds

It’s not uncommon for couples to shy away from the traditional bridal registry. Many engaged couples already have the home goods they want or need and often these couples simply don’t have room for a full set of china or a pair of fancy serving trays. One option is to ask for cash as a wedding gift. While couples do run the risk of offending some wedding guests with a cash request, there are others that will understand and be happy to oblige.

However, gift funds offer another way to help build up a home fund for a couple. Sites like FeatherTheNest.com are where friends and family can place a monetary wedding gift designed to help with the down payment or any other costs associated with the purchase, such as the inspection. Working with a site designed specifically as a “registry” for home down payment gifts can offer an advantage to the future homebuyers.

Handling Cash Wedding Gifts for Home Down Payment

Whether the cash wedding gift is received via a PayPal fund, crowdfunding site like Go Fund Me, or a site like Feather The Nest, couples need to be aware of certain rules for using this money as part of a home loan down payment. Realtor.com recommends it’s always important to “leave a paper trail.” They state, ” When applying for a home loan, you’ll need to verify that your down payment is yours, free and clear, and not the result of another loan.”

Fortunately, crowdfunding sites and sites like Feather The Nest provide documentation of the monetary gifts received through their platform. If you’re keeping track of cash gifts that will later be used for a home down payment specific information is needed. This information may include but is not limited to:

  • Amount of cash gifted
  • Name and contact information of the gift giver
  • Name and contact information for the depository (ie: name of the bank, crowdfunding site, PayPal)
  • Date the cash gift transferred to your account/depository
  • Signatures: the gift giver and recipient (you and/or your partner)

You may also need to provide the address of the home being purchased and the nature of your relationship to the gift giver. Different lending institutions have different requirements, so newlyweds may be asked to provide additional information or documentation. For the gift giver, it may be important to know that there can be taxes on certain gift amounts.

In general, it’s always best to consult a mortgage lender or banker first before setting up a crowdfunding or cash registry for wedding gifts. These professionals can help you avoid missteps and help determine what may be the best way to handle cash wedding gifts when purchasing a home.

How to Stand Out Among Other E-Commerce Businesses

The first thing that you will learn when you are setting up your e-commerce venture is that your business is a dime a dozen. Even the most innovative idea often has a great deal of competition. As a result, it can be easy to get lost among the dozens or even hundreds of other sites that are offering similar products or services. Fortunately, with the right tactics, you don’t have to suffer this fate. Instead, you can rise to the top as long as you are aware of what you need to do:

Market Your Business Properly

If you want to set yourself apart from everyone else, you are going to need to sell your goods or services in a unique way. If you aren’t experienced in this field, there is a good chance that your campaign isn’t going to make much of an impact. This is why one of the first things that you will need to do is to hire a digital marketing agency Bangkok to carry this out for you. Individuals involved in this industry are well versed in all of the tactics that they need to utilise. Most importantly, however, they will know how to focus their strategies so that you gain the attention of relevant clients. This gives you the opportunity to gain paying customers that much faster.

Work on Your Branding

Branding is what helps to make you stand out from your competition, even when you are selling similar products. Consider cola drinks, for instance. If you were to test the drinks side by side, there is a good chance that there would be very little difference in taste. So, what makes one soda infinitely more popular than the other? Well, that would be branding. It is important to understand that how people see your brand is just as important as what it is that you are selling. Therefore, you should work to create a logo and tagline that resonates with people and one that will continue to choose over your challengers.

Create a Connection with Your Customers

When you appeal to potential clients on a personal level, you are more likely to garner their attention. This is because such a tactic casts you in a more approachable light to your customers. One of the best ways to create this link is to tell a story. You can focus on why you decided to build your businessprovided it is a relatable narrative. Or, you can decide to focus on why and how you are going to give your customers the best possible service. By making the consumer feel as though they are the main focus of your efforts, you will be seen as being more appealing.

Offer Additional Services

This doesn’t always mean teaming up with another company or internet team. It can simply refer to providing your consumers with a value-added service. Imagine, for a moment, that you are involved in selling bridal gowns. This gives you the opportunity to provide brides-to-be with an abundance of fashion advice. Although you may be selling dresses, you can still offer your clients information about accessories, hairstyles, bouquets, bridesmaids’ dresses, etc. This is what will make you more alluring when compared with your contenders.

These are the tactics that you can use to great success. You should use all of the advice provided here to maximise your results within a short period of time.

How to File a Car Insurance Claim?

How to File a Car Insurance Claim?

Imagine this: You head out of town in your car when suddenly it collides with an auto coming from the other side whose driver cuts from the wrong side without giving proper indications. You apply the brakes, but in vain. The car hits the auto and boom! There are no serious physical injuries on either side and you feel relieved. However, your car is severely damaged and scratches are there on its doors. You know you are in trouble.

In case your vehicle is insured, you are well prepared for the expenses that may arise due to unforeseen situations. In other words, the insurer will cover all the losses/damages caused to your vehicle without putting a burden in your pocket. However, it is possible only if you have a clear idea of how to file a claim.

A claim is an amount that a car insurance company pays to the insurer as compensation for the losses or damages to the insured vehicle. Of course, the claim process will vary as per the type of loss, like vandalism, theft, collision, hit and run, etc.; there is a standard claim procedure which needs to be followed in all the situations. Here it is=

  1. Contact the police= You will have to inform the police about the accident as a police report may be demanded by the insurer. If you are in a state to visit the police station, you can go there yourself otherwise, ask someone to do it on your behalf.

 

  1. Inform your car insurance company= Inform the insurance company about the accident at the earliest by calling up at the toll-free number mentioned in your car insurance policy document. You will have to give policy number and driving license details to the insurer who will give you a claim number for future references.

 

For registering the claim, most of the car insurance companies in India have specified the time limit. Calling the insurer from the accident spot will also help you get some assistance, especially if you need your vehicle to be towed.

 

After the accident, park your vehicle in a safe place to avoid any subsequent losses. Also, shift your vehicle to a nearby garage as advised by the insurer. If the vehicle is taken to a network garage, i.e.; the repair centre who has a tie-up with the insurer, you can get the insurance form there also. Else, you can download the form from the insurer’s website. Note, when getting any work done in a non-network garage, first take the approval of your car insurance company.

 

  1. Survey by claim surveyor= Once the accident is reported, a dedicated claim surveyor will be assigned to you. He/she will investigate the situation and inspect the losses or damages. Be ready with all the documents, including duly filled claim form, a copy of the registration certificate and a copy of the driving license. If a third-party is also involved in the accident, the car insurer will carry out all the discussion on your behalf. However, make sure to provide every piece of information to your insurer.

 

  1. Submit documents= Along with the police report, there are many other accident-related documents which are required to be submitted. So, ask your insurer about all the importantdocuments and submit them to expedite the process.

 

At the accident spot, click photos of the damages caused to your car along with losses caused to the third-party. In any situation, photographic evidence is one of the effective ways to capture all the details of the incident. Also, note down the names and mobile numbers of eyewitnesses who are ready to help you with your insurance claim. Don’t forget to note down the insurance details of the other party involved in the accident.

 

From the time, the accident occurred until the claim is settled, save all receipts for ameal, lodging, etc.; as in some cases, the insurer also settles these expenses.

 

  1. Get the claim settled= Once the claim professional submits the report, you will get the cost estimation for fixing the car along with deductibles that you will have to pay from your pocket. In case you are not satisfied with the claim amount, you can inform your insurer and later, file a complaint with the state commissioner’s office and try to get things sorted before filing a case in the consumer’s court.

 

  1. Act smart= Though, insurance is meant to offer you comfort in case of losses or damages, it is strongly advised not to approach the insurer for every fender-bender damage. Consider the repair expenses along with the no claim bonus (NCB) amount that you will lose if you approach the insurer. Your claim may also affect your car insurance renewal premium rates, so approach the insurer only if repair charges are substantial.

In case your car is stolen, follow the above procedure, and submit both key sets to prove that the vehicle has not been stolen due to your negligence.

Remember, your car insurance policy will offer you coverage even if the accident happens out of the city. However, to prevent further damages, make sure to get your car repaired before driving as consequential losses will not be covered under your auto insurance policy.

Things not to do

  • Do not run away from the accident spot
  • Do not move your vehicle from the scene
  • Do not loose temper
  • Do not avoid informing the police
  • Do not avoid timelines of filing the insurance claim
  • Do not accept any claim amount unless you are ready to consider it as final

While filing the claim, make sure to follow the law, collect all the evidence, and keep your insurance company in the loop. Do not make any commitment or settlement without informing the insurer. Be honest, while informing the insurer and never hide details that may later show you in a poor state. Remember, non-disclosure of information can work against you and the insurer may even reject your claim.

All-Electric Aston Martin RapidE To Enter Production In 2019

British luxury carmaker, Aston Martin, has announced plans to introduce the company’s all-electric model by 2019. Based on the electric Rapide concept that was unveiled about a couple of years back, the upcoming Aston Martin RapidE is set for a limited production run of just 155 cars and will be the first all-electric car from the company. For the development of the new RapidE, Aston Martin will be collaborating with Williams Advanced Engineering, which was also involved in the making of the original RapidE concept.

The new Aston Martin RapidE shares its underpinnings with the upcoming Rapide AMR concept, which is set to be the most powerful Rapide yet, while the looks and dynamics of the car have been picked up from the Rapide S. The RapidE will be a four-door model and the six-litre V12 engine will be replaced by an all-electric powertrain. According to the company, the new car will spearhead development of the brand’s low- and zero-emission vehicle strategy laid out by Aston Martin’s President and CEO, Dr Andy Palmer. More information about the RapidE and its all-electric powertrain will be revealed in due course.

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The All-electric Aston Martin RapidE is based on the electric Rapide concept showcased in 2015

Talking about the car, Dr Palmer said, “The RapidE represents a sustainable future in which Aston Martin’s values of seductive style and supreme performance don’t merely co-exist alongside a new zero-emission powertrain, but are enhanced by it. The internal combustion engine has been at the heart of Aston Martin for more than a century and will continue to be for years to come. RapidE will showcase Aston Martin’s vision, desire and capability to successfully embrace radical change, delivering a new breed of car that stays true to our ethos and delights our customers.”

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Electric Aston Martin RapidE will have a limited production run of just 155 cars

Talking about the RapidE project, Paul McNamara, Technical Director at Williams Advanced Engineering said, “This project with Aston Martin will draw on the extensive battery and EV experience we have accumulated and we are extremely pleased to be supporting this prestigious British company with their future electrification strategy.”

 

Terrific, Tantalising and Turbo: Ferrari GTC4 Lusso T Review

A new Ferrari model always gets everyone’s attention. The GTC4 Lusso T becomes the 6th model in the Ferrari range, though to some it really is more of an engine variant. That is because it is more or less similar to its V12 sibling – the GTC4 Lusso, except that it has a turbo heart and is rear-wheel-drive. And no other Ferrari has really offered you engine variants before right? That is why as far as the company is concerned this is a new model! That is also because Ferrari says the GTC4 Lusso T has its own client list, and so is a very different proposition. It sees a younger 35-40 year old buyer opting for the V8 over the V12, and also one who will drive this as a daily use car – but one that’s up for a weekend getaway too. Ferrari says it is also for its buyers who use a car in high to medium grip conditions and not low-grip conditions. And that is why the V12’s all-wheel-drive has been dropped on the GTC4 Lusso T. The other question in my mind was – is this simply the California T’s engine plonked into the GTC? The answer to that is also a firm no from Ferrari, even though it sort of is the same engine anyway! I shall explain more as you read on.

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Ferrari says the GTC4 Lusso T is targeted at a younger buyer aged 35-40 years old

So is the car different looking than the GTC4 Lusso, is what you may ask next. Well not really! The tailpipes are different, and you can also get the exclusive design on the 20″ wheels. But aside from those two facts there is nothing on the car that will tell you it’s not the V12, and is a V8! That 3.9 litre V8 has an output of 610 horses and 760 Nm of torque. This car can do 0-100 kmph in 3.5 seconds, and has a top speed of 320 kmph. What the V8 also gives a Lusso T buyer is an additional 30 per cent range over the V12. Impressed yet? If not, I recommend getting into a GTC4 Lusso T and hitting the start button. The sound is the first thing that will surprise you. I remember saying this about the 488 GTB as well. The absolutely mesmerising and seductive roar of the turbocharged V8 will be music to any Ferrarista’s ears! And that sound is distinct to the V12’s – giving the Lusso T its own signature.

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The Ferrari GTC4 Lusso is agile, and belies its ample form and weight.
So let us get straight into it shall we? I began my drive on the new Lusso T in Monteriggioni – a quaint medieval village in Italy’s Siena province of Tuscany. The day was bright and so were my spirits as I got on board. The car is agile, and belies its ample form and weight. You get great acceleration with a lot of torque available at low revs. The car comes loaded with all of Ferrari’s new electronics and driver aids like the electronic differential, Side Slip Control 3.0 – and four-wheel steering – the reason the car’s name retains a ‘4’ despite it not being a 4 wheel drive model. Of course there’s also the 4-seater tag that Ferrari had mentioned whilst naming the GTC4 Lusso! The result of that 4-wheel steering is crisper handling and instant response. Of course that part is akin to the V12 car. The GTC4 Lusso T also sports the new Ferrari steering wheel that has all the buttons and switches you need, to enjoy a dynamic drive.

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The GTC4 Lusso T becomes the 6th model in the Ferrari range
As I got stuck into my drive I noticed the car seemed to have slightly less understeer than the V12. It is marginal really but that comes from its slightly increased 46:54 rear weight bias over the V12’s 48:52. The car is also lighter overall and therefore a touch more agile, and very torquey. The peak torque only kicks in at 3000 rpm, but you get no turbo lag. You can hold gears for long, and the car’s rev limiter remains unfazed. In fact I had carried on in 3rd gear at one point for quite some time, and the car hummed along without a care or concern. But this almost clinical performance takes away some of the madness you expect from a powerful GT car. Having experienced some of that in the V12 version, maybe I am making an unfair comparison! The car will take every corner with immaculate precision and great ease. Its steering and traction control are also very forgiving, even on gravelly or twisty roads. Of course I had the Manettino on Sport for the most part, though there is also the additional ‘bumpy road’ mode like on the GTC4 Lusso – for a comfortable ride even on – well – bumpy roads!

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The result of that 4-wheel steering is crisper handling and instant response
Despite everything I have written at the top of this story, I think for me the real question always was – did Ferrari really need to make a turbo, 2-wheel-drive version of the already fantastic GTC4 Lusso. Having driven the car extensively now, I think I understand better why the answer is a resounding yes. The real difference between the two cars is their character. They may look the same but the GTC4 Lusso T has a more sportscar feel, it’s eager and raring to go – and like I said never once flinches or let you know it is a 4.89 metre long car! Well in many ways nor does the V12, but that car has a stately, tourer – yes, GT feel, while the Lusso T is the brat. And that there is this difference in their drive appeal, leaves me feeling a bit more satisfied that I have found a good answer to my doubts.

ferrari gtc4 lusso t
The absolutely mesmerising and seductive roar of the turbocharged V8 will be music to any Ferrarista’s ears
That new updated turbocharged engine is the winner of the 2016 International Engine of the Year for the iteration that powers the 488 GTB. It is a high speed motor and Ferrari has worked on improving its mileage figures and reducing CO2 emissions. How it differs from the California T’s engine now: new con-rods and piston rings made with high-resistance copper alloys. The exhaust system has also been redesigned to reduce pressure loss, and that also helps cut lag. There is also a new intercooler and air intake has been redesigned too, to maximise airflow. At engine start, the exhaust valve regulating sound, remains closed – to maintain a moderate note for city/neighbourhood use. In Comfort Mode that valve opens somewhat and starts to give you that distinct sound – yet keeps things moderate. It is only in Sport Mode that it opens completely and sings the full sonata!

ferrari gtc4 lusso t
Ferrari has also had to redesign the GTC4 Lusso T’s suspension to achieve the same performance level as the V12 GTC4 Lusso. And it does that rather well. Magnaride adaptive dampers help swallow bumps and any mild surface changes. But the low profile tyres on those 20 inchers will still allow tiny blips to carry through to the seat. But overall the control and handling is simply top drawer stuff.

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The cabin of the Ferrari GTC4 LussoT is similar to its V12 cousin
The cabin is similar to the V12’s, and gives you impeccable leather with stitching all around, nice materials, a big central touchscreen with all the connectivity options your little heart desires. The dash extends with an organic arc around to the passenger side, where besides the car’s name badge you get the LCD touchscreen that lets the passenger feel like a co-pilot! It allows you to manipulate navigation and music, and view the car’s real-time performance, besides what drive mode the Manettino is set to. The rear seats are best for not-so-big adults or your kids of course!

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The GTC4 Lusso T seats 4 people but the rear seats are meant only for kids
The GTC4 Lusso will arrive in India this year, though there is still no official launch date. And as for the Lusso T, it will also follow and should get to us by the third quarter of 2018. So yes it is still some way off. But the good news is that India will get both cars, and that allows Ferrari to appeal in some way at least to the luxury set that is seeking not just exhilaration but also some practicality and go-anywhere flexibility from their ultra-premium sports ride. Frankly for those who don’t really absolutely need the 4WD option, the GTC4 Lusso T is the better car for its sportiness, higher mileage and overall attribute. So wait for it. If you are one of the fortunate few who can afford one.

 

RERA norms: No ads of realty projects without registering with new regulator

Clearing the air on real estate developers issuing advertisements, the government has said no ongoing or future projects can be advertised without registering them first with the new regulator.

The clarification is likely to further dampen the already subdued real estate market that has seen no real appreciation in value of property or sales growth during the last few years.

The Real Estate (Regulation and Development) Act was passed last year to regulate the sector, eliminate fly-by- night operators and protect buyers’ interest. The Act came into force from May this year.

Realtors’ body NAREDCO had submitted a representation to Ministry of Housing and Urban Poverty Alleviation seeking clarity on advertisement and sale of the ongoing projects amid conflicting reports and interpretation on the issue.

“Section 3 (1) of the Act prohibits advertisements for all projects (ongoing/future) without registration with the real estate regulator. This provision has come into effect from May 1, 2017,” the ministry said, while responding to the NAREDCO’s letter.

NAREDCO President Parveen Jain said the prohibition on advertisements and sale in the ongoing projects will hit the industry.

As per the Act, Section 3 (1) specifies that “no promoter shall advertise, market, book, sell or offer for sale, or invite persons to purchase in any manner any plot, apartment or building…,in any real estate project or part of it, in any planning area, without registering the real estate project with the Real Estate Regulatory Authority established under this Act.”

For the ongoing projects, this section provides that the promoter should make an application to the authority for registration of the project within a period of three months from the date of commencement of this Act.

rel estate

Ending the 9-year long wait, the real estate law, which will regulate the realty sector involving over 76,000 companies, came into force from May 1, 2017.

With all the 92 Sections of the Act coming into effect, developers are required to get all the ongoing projects that have not received completion certificate and the new projects registered with regulatory authorities within three months, ending July.

This would enable the buyers to enforce their rights and seek redressal of grievances after such registration.

 

Audit finds no evidence of wrongdoing in Panaya deal: Infosys

IT major Infosys on Friday said its internal audit committee has found no evidence supporting a whistleblower’s allegations of improprieties related to the Panaya acquisition.

In February, Infosys had said it will investigate claims levelled by the whistleblower in an anonymous mail to market regulator Sebi, alleging wrongdoings by the company when in buying Israeli automation technology firm Panaya.

While strongly refuting the allegations, the Bengaluru- based firm had also hired Gibson Dunn and Control Risks (GDCR) to conduct an internal investigation into the charges.

“Gibson Dunn and Control Risks have now completed their detailed and extensive Independent Investigation and as they have described in the attached document, they did not find any evidence whatsoever of wrongdoing,” Infosys said in a statement.

Infosys

It added that the company has fully cooperated with all requests for information from Sebi regarding the anonymous complaints.

In February 2015, Infosys had announced buying the Israeli automation technology company for $200 million or Rs 1,250 crore in cash.

GDCR, in its report, said it had found no evidence to support allegations regarding wrongdoing by the company or its directors and employees.

It added that there were no conflicts of interest or kickbacks and the approvals required for the acquisitions were obtained with regard to the Panaya acquisition.

“…thorough due diligence was conducted, the valuations of the target companies done by an outside financial advisor were reasonable, and the purchase prices were within the range of values determined by that advisor,” it said.

Also, it said it had found no evidence that CEO Vishal Sikka had received excessive variable compensation or incurred unreasonable expenses for security, travel and the Palo Alto office.

 

Tata Steel sells stake in Tata Motors to Tata Sons for $586.3 million

Tata Steel Ltd said on Friday it sold its stake in Tata Motors Ltd to Tata Sons , the holding company of India’s salt-to-software Tata conglomerate, for 37.83 billion rupees ($586.3 million).

Tata Steel sold about 83.54 million shares at 452.80 rupees apiece, it said in a stock exchange filing.

Tata Motors

As of end-March, the steelmaker owned a 2.9% stake or about 83.64 million shares in Tata Motors, according to stock exchange data. Last week, Tata Steel said it would sell the stake to Tata Sons on or after June 23.

Indian media had reported that Tata Sons planned to reduce crossholdings among group companies.

 

Honda Cliq Scooter: First Ride Review

Honda Cliq – the newest and least expensive scooter from Honda Motorcycle and Scooter India. The automatic scooter segment in India is dominated by Honda Motorcycle and Scooter India (HMSI). In fact, the Honda Activa is not just the largest selling scooter in India, but is now also the largest selling two-wheeler, inching out mass market 100-110 cc commuter motorcycles which have a strong customer base in rural markets. The Activa’s strength and sales volumes is largely confined to towns and cities, and now Honda wants to extend that success to the rural markets as well, so enter the Honda Cliq. The Honda Cliq has been launched at an attractive price of ₹ 42,499 (ex-showroom Delhi) and it sits between the Honda Activa and the Honda Navi.

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The Honda Cliq’s design is unique – some may warm up to it, others may find it quirky

Design and Features

The Honda Cliq has an all-plastic body, so it’s lighter than the Activa, at 102 kg. The design certainly is different, with the side panels reminding you of the Navi, but it’s the front apron which has been completely redesigned, and it looks neat, with a headlight mounted on the middle of the apron like the Dio. Matte finish parts are incorporated across the body and some carbon fibre-like patterns are incorporated around the speedometer and the tail section. Overall, it’s a neat design, and should appeal to customers who want a slightly trendier and less expensive version of the Activa.

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Small unique design bits like the faux carbon fibre finish on the speedometer

Honda also offers optional extras like a footboard-mounted lockable storage space as well as a small goods carrier at the rear. The footboard space is decent, but will be tight if you’re thinking of carrying a grocery bag or two. Underseat storage is 14 litres, adequate to carry a few things, and to store a small half-face helmet, but not quite enough to accommodate a full-face helmet. Like the Activa, the fuel filler cap is also under the seat, so refuelling, which will be more frequent due to the small 3.5 litre fuel tank, will require the rider to get down and flip the seat up.

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109 cc engine shared with the Honda Activa 4G

Engine and Performance

The Honda Cliq is based on the same platform as the Activa, so the same 109 cc single-cylinder engine has been carried over, which makes 8 bhp at 7,000 rpm and 8.94 Nm at 5500 rpm. It’s a tried and tested mill, so performance is along expected lines, which is smooth and acceleration is brisk, if not completely exciting. The Cliq uses the same hydraulic type suspension as the Activa, so the ride quality is also similar. It’s 6 kg lighter than the Activa, and that makes the Cliq feel lighter and agile, traits which are welcome.

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The Honda Cliq gets block pattern tyres and combi-brake system

The wheels are also the same 10-inch steel wheels, but Honda has introduced tyres with block pattern which offer better grip, particularly if you ride it on sandy patches and go off tarmac, as we found out during our brief first ride. Out on the highway, the Cliq’s performance is also along similar lines, but the light weight makes it waver a little when we encountered strong cross winds. That isn’t much to worry about though, and overall, it’s easy to ride, convenient and should appeal to prospective scooter buyers. Brakes are conventional drum brakes, and the Cliq is built to cost, so no alloy wheels or disc brakes are offered, even as an option. But the combi-brake system is offered, which essentially activates both brakes with a single lever, and is quite effective.

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Honda Cliq targeted primarily at rural markets

Price and Market Positioning

The Honda Cliq is priced at ₹ 42,499 (ex-showroom Delhi), with the Deluxe variant scooter priced at ₹ 42,999 (ex-showroom Delhi) for some extra graphics. Head to head, the Cliq has no real competitor in the scooter space, and as mentioned earlier, it’s targeted more towards the rural market, typically the bastion of 100-110 cc workhorse commuter motorcycles. Sure, it’s priced right, and will also offer a less expensive option to the Activa which is priced almost ₹ 8,000 more.

The strategy makes sense – extend an already very successful product with a lower price tag to get in the quintessential commuter motorcycle buyer to the convenient automatic scooter segment. The problem is that 100-110 cc motorcycles boast of far better fuel efficiency, and with limited range, the Cliq will make visits to the fuel station more frequent. Will it work though? Yes, it has all the qualities to make for a successful scooter, but if it will succeed in getting the volumes from the 100-110 cc motorcycle segment is something that remains to be seen.

 

2017 Kawasaki Ninja 650 Review

You could be fooled into believing it’s an all-new motorcycle, the new Kawasaki Ninja 650. It now gets styling inspired by its bigger supersport sibling, the ZX-10R, and that itself is a very good thing indeed; the 2017 Ninja 650 looks much, much, better than the earlier model. And yes, it looks like a proper sportbike now, with a completely redesigned front fairing and fuel tank. Overall fit and finish on the bike is excellent; the new five-spoke wheels are lighter, the underbelly exhaust is shorter, helping centralize the mass. The handlebars aren’t clip-ons but designed to look like clip-ons; clearly underlining the sport touring creds of the Ninja 650.

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2017 Kawasaki Ninja 650 gets styling inspired from ZX-10R

The face has been completely redesigned, with a new adjustable windshield and new headlights. There’s a new LED taillight, and the instrument panel has been revised too, and gets a part-analogue, part-digital treatment with easy read outs for almost everything you need. And then, there’s a new pressed-steel gull-arm swingarm; opinion is divided, and we’re not sure it really complements the overall look. But in all, the new Ninja 650 certainly looks premium, more stylish and more in line with the “Kawasaki Ninja” name.

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2016 Kawasaki Ninja 650 gets sportier, sleeker design

Thumb the starter and there’s no drama; give it a fistful of revs and there’s no roar; no intake whine, no deep exhaust note. But slot it into gear and open the throttle, and the commuter-ish motor seems to wake up. The parallel-twin does have some buzz in higher revs, but speeds build quickly through the gears. Acceleration is rapid, and the rev limiter lights up much before there’s any protest from the parallel-twin engine. There’s no music from the exhaust, but the Ninja 650 is no slouch either; triple digit speeds and beyond arrive quickly even before you realise you’re going that fast.

2016 kawasaki ninja 650
New Ninja 650 is 19 kg lighter than the 2016 model

A new trellis frame, new swingarm and lighter wheels make the Ninja 650 shed weight – almost 19 kg over the earlier model! The new steering geometry with a sharper rake and shorter trail, makes the bike more precise and more willing to turn. Yes, the new Ninja 650 is a good handler, and unless you’re pushing the bike to its limits, or to the Dunlop tyres’ limits, to be more specific, handling is quite predictable and the bike is willing to turn in with enthusiasm. Part of that credit also goes to the stiffly sprung suspension; the 41 mm KYB fork at the front is non-adjustable, but the rear shock is adjustable for preload. Brakes, now with standard ABS, are excellent, and offer sure and certain stopping power.

2017 kawasaki ninja 650
2017 Kawasaki Ninja 650 is eager to turn, and more precise

The 649 cc parallel-twin engine may have been carried forward from the previous model, but it’s got new components – there are lighter aluminium cylinders, new injectors, smaller throttle bodies, new camshafts, a revised airbox and exhaust, and the engine has been retuned. On paper, it makes less power than the outgoing model with 67 bhp, but the 65.7 Nm of torque comes in lower in the revs. All in all, it has better acceleration, and more midrange power, and it’s more agile, more fun and more versatile.

2017 kawasaki ninja 650
New Kawasaki Ninja 650 is a versatile commuter and tourer

The Ninja 650 may be a middleweight, but it feels like a small bike, and it doesn’t have the intake roar or exhaust note associated with a high-performance motorcycle. It feels at ease handling traffic, and is equally comfortable on the highway, if you’re in the mood for occasional long distance touring. If you’re looking to upgrade from a smaller bike, or you’re new to motorcycling, at ₹ 5.69 lakh (ex-showroom Delhi), the Kawasaki Ninja 650 could well be all the bike you need.