Category: Automotive

  • Wheel upsizing and ride lowering – why you are doing it wrong

    Wheel upsizing (wider tyres + larger rims + wider offsets) and ride lowering are very commonly seen vehicle modifications. Many do so primarily for aesthetics and do not understand how these modifications affect handling. They think or hearsay they are improving their vehicle handling, but they are not.

    When tyre widths and wheel offsets change, suspension geometry is altered. Handling can be, and is almost always (if done cheaply) affected negatively — unless the manufacturer had set up the suspension poorly to start with.

    Price, size or performance? Choose two.

    Wider tyres can provide more grip but hurt fuel economy. The fact is that most people barely drive their vehicle to its limits. Worse even, some upsizers may compromise with cheaper tyres as larger tyres are significantly more expensive, so the effects of wider tyres may be completely negated by cheap tyres.

    Adding on to the list of grave mistakes, many actually ditch their heavy but sturdy stock wheels and opt for cheap wheels that are touted to be light, hence fuel economical. Little did they know these cheap lightweight wheels may crack easily. Good quality forged wheels are extremely expensive.

    Assuming all goes well and high quality rims and tyres are purchased, the list of mistakes do not end here.

    The usual theory goes: wider track and lower car = better handling, right? Not entirely correct.

    Here’s why.

    1. Wider track causes softer suspension. When wheels (offset) go further outboard, load on the suspension increases and as a result the ride becomes softer. To compensate, stiffer shocks and springs are needed. BMW, for example, would sell cars with staggered and non-staggered wheels. When opting for a staggered setup, the rear track becomes narrower because the staggered rear wheels are heavier. This compensates for suspension loading and also reduces understeer (wider front track = less understeer). Unknowing BMW drivers who opt to use spacers on the rears instead of installing proper staggered wheels are actually making their handling worse.

    2. Lowering springs? Need new shocks. When lowering springs are used without matching shock absorbers, the shock absorbers will wear prematurely and not perform optimally. Shock absorbers are designed to work within a nominal ride height and lowering causes it to work outside of its designed parameters. Lowering springs are also typically stiffer to prevent the lowered car from bottoming out easily. Shocks and springs that are mis-matched will result in a bouncy or unsettled ride. Again, this negatively affects handling.

    3. Rubbing fender? Too low! Wider offsets and excessively lowered rides may cause wheels to rub against fenders. When most people experience a rubbing problem, they tend to return to the tyre shop. The solution offered is usually a recommendation for lower profile tyres or sometimes even narrower tyres resulting in stretched sidewalls. Doing so affects the speedometer, odometer and fuel economy readings. The right thing to do is to raise your ride height and get a proper set of coilovers.

    4. Bottoming out? NEVER use spring stiffeners! Excessive lowering and poorly set up suspension will cause the vehicle to bottom out easily. That’s because most lowering springs are not very much stiffer than stock springs and cannot cope with the extra load and reduced travel. I have heard of “spring stiffeners”. These are basically blocks or “retainers” sitting in-between several coils of springs preventing them from compression. Doing so is NOT recommend — for your own safety! It will cause uneven stress across the spring and a broken spring can be disastrous. Get a proper set of coilovers!

    5. Lowering can actually lead to more roll. Most people do not understand the relation between roll center, instantaneous center and CG. When a vehicle is lowered, the CG of a vehicle may be lowered but the roll center could actually move further away from the CG. This creates an increased lever effect making the car roll more even though it is closer to the ground. The result is sluggish handling. The easy fix is to install stiffer suspensions but that has an effect on tyre load. The ideal fix is to correct the vehicle roll center by modifying suspension arms.

    6. Increased track? Steering and braking may be compromised. When track width is increased, scrub radius is reduced especially for FWD/McPherson strut vehicles with -ve scrub. A small change in scrub radius can significantly alter steering feel and braking stability. The change in steering weight or sensitivity (“twichiness”) is usually mistaken for better handling. Most will never realize that they may have also compromised braking stability because it is never tested.

    7. Excessive lowering causes camber issues. Most road cars do not have adjustable camber in the front. Without compensating for the increased -ve camber when lowering, tyres are subject to premature inboard wear. Change in camber can also affect a vehicle’s understeer/oversteer character, especially for cheaper FWD cars with torsion beams in the rear — camber angles do not change at the back when lowered. Excessive lowering will even cause +ve camber gain on most vehicles with McPherson strut front suspension. This will cause cars to actually flip over in an aggressive corner. Here’s a video I found on YouTube showing how the camber changes across suspension travel.


    Strut Suspension Camber Behavior.

    To properly lower a vehicle and increase its track width, a lot of modifications are required and mostly requires a complete overhaul of the suspension components. For most people, it’s just not worth the money.

    The cheapest way to improve handling on a normal day-to-day vehicle is to install a good set of tyres and proper brake pads. Most stock brake pads are too soft (adhesive type) because they are designed to work in cold (read: snow) weather. We do not have cold weather here in Singapore. Switching to a harder (abrasive type) pad will drastically improve braking performance. The only downside is that the brake rotors will wear faster and the brakes might squeal if not bedded in properly. Also ensure tyres are properly inflated — it makes a world of difference.

    Tyre inflation tip: Add more pressure to the front tyre and reduce in the rear. Most cars, even RWD ones, are designed to understeer right out of the factory. A slight change in pressure (+/- 2psi) will alter its handling character.

    I hope this has benefited you and saved you some money you should never have spent. Safe motoring!

  • Motoring tips for wet Singapore roads

    It’s the time of the year again. Singapore gets an average of 19 rainy days and about 260-290mm of rainfall in November and December1. Flash floods and accidents are reported everywhere, as if our traffic isn’t already bad enough!

    There’s two things all drivers can do to help yourselves and help other road users.

    First, get yourself a bottle of spray-on Rain X. Don’t be one of those driving at 20km/h with hazard lights, fog lights and high beam on. It only slows traffic and makes visibility worse for other road users.

    All you need is a few pieces of newspaper. Go to a sheltered carpark. Wipe off any water with a sheet of newspaper first. Spray on Rain X generously on the front, front sides and rear windscreens. Spread/apply with newspaper. Be sure to cover the entire windscreen. Wipe clean with a new sheet of newspaper. Repeat and apply/wipe off one more time. Also apply some on side mirrors. You’ll be set for the entire month.

    Next, this is the time to get your tyres replaced if they are balding. Please don’t buy cheap or eco tyres — they have poor grip, that’s why they’re eco! Friction and fuel economy are inversely related. A lot of eco tyres are made for comfort and longevity and barely saves you any more fuel than a properly inflated tyre. Never compromise your safety for a few dollars in savings or fuel economy.

    Some tyres that are relatively quiet and known to perform well in the wet are Michelin Pilot Sport 3 (PS3) or Goodyear Eagle F1 Asymmetric (v1 and v2).

    The next thing you should check is your tyre pressure. A properly inflated tyre can make a significant difference in aquaplaning and braking performance.

    For FWD cars that are nose-heavy, I usually increase the front tyre pressure by 2-3 psi above the manufacturers’ recommended cold pressure (found on the door pillar or fuel filler cover). Most FWD cars have lower front tyre pressures to induce understeer to make their lawyers happy, but an under-inflated tyre is not good for the wet.

    A good mechanic once told me that if there’s anything you shouldn’t save on, it’s tyres, suspension and brakes.  Each tyre makes a contact patch no larger than the size of your hand. Added together, the total contact patch is no larger than an A4 sheet of paper. That’s the amount of rubber holding your 1,400kg car to the road.

    Safe motoring!

    P.S. I’ve heard people say Rain X damages wiper, etc. Seriously, wipers costs almost nothing to replace compared to a weekly tank of gas. If you keep your windscreen clean and just give your wipers a wipe down often, they should last very long. Our hot tropical climate damages wipers quickly especially when it sits under the hot sun against a dirty windscreen.

    1 Source: Climate of Singapore, from http://en.wikipedia.org/wiki/Geography_of_Singapore

  • Peer to peer car sharing in Singapore – is it really working?

    I’ve always wanted to make car sharing possible – there are two ways to go about it.

    First method: I would announce my travel plans and pick somebody going the same way as I am. In return I will get paid a token sum to ferry my passengers. I call this “Taxi style”.

    Second method: I rent my car out for profit. In short, it’s plain old private car rental. This is actually working in the US, see RelayRides.

    One problem with private car rental in Singapore is legislative restriction. At present, private car rental is only allowed on weekends or public holidays.

    The other problem is insurance coverage. Both methods of car sharing I described are classified as using the car for hire or reward. Hire/reward is explicitly prohibited on almost, if not all, private car insurance policies.

    Believe it or not, I called almost every insurance company in Singapore trying to see if rental coverage was possible. The answer was NO. Some did cover rental fleets, but the fleet size had to be considerable and it had to be a business.

    iCarsclub collaborated with DirectAsia to get the insurance problem resolved, so it is really very interesting.

    I decided to conduct an experiment.

    I signed up as a car owner. I did some research, and listed my car up at a very reasonable rate – $7 per hour, or $55 per day.

    My friend wanted to rent my car for the weekend, so he had it for 3 days on this long weekend (May 24 to May 26).

    The catch is this – fuel costs are borne by the car owner. iCarsclub in return charges the renter for mileage ($0.30/km). The renter also needs to pay for insurance coverage ($0.40/km).

    At the end of the rental, the bill came up to $326.83. The breakdown as follows:

    • Mileage traveled: 232 km
    • Booking fee: $2.00
    • Rental fee: $165.00 ($55/day x 3)
    • Mileage charges: $69.60
    • Insurance: $86.80
    • GST: $3.43

    iCarsclub takes a 20% commission from the rental fee.

    Insurance premiums are paid to DirectAsia.

    As a car owner I would only receive rental + mileage = $201.60.

    I also had to pay for the fuel, estimated to be about $60.

    On top of that, I have to pay for the SIM card in my car tracking device. That costs $39/mth.

    The result?

    • Car owner earns: $102.60 (31%)
    • Petrol company earns: $60.00 (18%)
    • Telco company earns: $39.00 (12%)
    • Insurance company earns: $86.80 (27%)
    • iCarsclub earns: $35.00 (11%)
    • Government earns: $3.43 (1%)

    It seems like businesses are the ultimate winners here. The owner actually receives less than a third of the amount.

    As a renter, there’s no price advantage. My car is already priced very low. My friend could have rented a similar car from a rental company for equal or less without worrying about the mileage based charges killing him.

    And because of the fixed mileage charges, it gives the renter no incentive to save fuel. He could go full throttle on the car all the time, or even abuse the fuel card.

    As a car owner, I am not sure if the amount risks I expose myself to would justify the $100+.

    Every car owner would have to sign a 2-year contract with iCarsclub, so my car would remain in their inventory for another 2 years. There is also a refundable deposit of $300 I had to pay. Breaking the contract would forfeit my deposit.

    Right now I think the pricing scheme needs to be tweaked. I am trying to get in touch with them to see how it can be improved. I am also hoping LTA’s announcement to liberalize private car rental on weekdays would come true.

    I am not discouraged yet and will continue to rent my car out to see how this whole scheme works out.

  • Why hybrids aren’t selling

    I’m not going to talk about EVs because they present a charging and power distribution challenge.

    However, there are quite some hybrids on the road now. But why hybrid cars still aren’t selling as well as traditional gasoline?

    First, batteries don’t last very long, are expensive to replace, are very heavy and also may potentially have safety issues in a crash (due to short circuit). And we really don’t know how much environmental damage is done actually making batteries. So now there’s 10 year warranties and all, but all that extra money just to put heavy batteries in a car? Really?

    I know about all that alternate fuel thing, so yes fossil fuels are running out, we’re all going die (not because of the lack of fuel but likely to war over fuel), and we need to find alternative energy.

    Okay, never mind. Here’s what I think is the biggest problem with hybrids: they simply all look like crap.

    Here’s a few we all know. The Toyota Prius and Honda CRZ.


    Why do hybrids have to look like that? Were they designed out of function (they need space for big batteries) or were the Japanese thinking of fancy looking hatches to attract the “save the world” folks? Hey, those “green” folks don’t wear weird clothes, do they?

    What about the hybrid models of existing sedans? Why do they have to make something glow in blue, like the logo of the Camry?

    Or even BMW, why does the ActiveHybrid 3 have such ugly wheels? For aerodynamics – really? After adding a few hundred kilos of batteries?

    Why can’t the BMW 5 series hybrid be called the BMW 535ih instead of ActiveHybrid 5? That badge looks like crap.

    At least Fiat is doing it right… the Fiat 500e looks awesome.

    Car makers — why can’t you make a hybrid look like a normal car?

  • BMW Buyer vs Public Transport Fan?

    I read this article and couldn’t resist my urge to bang wall.

    http://ride.asiaone.com/features/opinion/story/bmw-buyer-versus-public-transport-fan

    Comparison of extremes

    First, the example of an expensive $220K BMW 3-series is a little way off the charts as a basis for comparison against public transport. The author could have used a cheaper car, for example, a Kia Forte (which is a very decent family sedan, by the way.) He also failed to mention that a secondhand car market actually exists. Willful omission?

    And for a $2,000/month installment, assuming this is over 10 years, then $240K is the full amount including, not excluding, interests. The author seems to be clueless about the tax structure and rebates. (Business Times article, really?)

    The author also seems to have conveniently forgotten about all the recent complaints about queueing, waiting, squeezing, breakdowns, smelling people’s armpits, getting drenched in the rain, having people rub you all over, getting scolded by random aunties and having uncles with a laptop watch porn withbeside you.

    Where the hell are the taxis when you needed them most?

    Has anybody also forgotten about SARS?

    Can you or do you really want to bring a family of 5 onto a crowded bus with bags of groceries?

    What about the time and opportunity losses of the aforementioned Public Transport Fan (“PTF”)?

    There is indeed “a huge price to pay for convenience.”

    Anyway, let’s just take that as that, and that the BMW driver has a $340K hole in the bank as the author of the above article described.

    Invest, invest, invest!

    The author brought up investing! Why am I not so damn surprised?

    I haven’t seen my investments yield as much as the author has described. The truth is there are risks associated. The markets have been very volatile for the past four years, and I do not see it correcting anytime soon. All I can say is, invest with care.

    And for a regular investment of $2,000/month, a 3-4% dividend yield would return $720 every year. That is per year! Or about $60 per month.

    Condo… in Pulau Ubin?

    And as described by the author, if these dividends have been reinvested, i.e. with the effect of compound interest, the eventual sum of $999K would buy the PTF a piece of “suburban condominium” in 25 years. Really? With all the talk about investments, what ever happened to inflation?

    Anyway, I will put this theory to the test. I am investing fixed monthly sums into dividend yielding stocks starting this year. My portfolio should be growing as quickly, or even more quickly than my car installments. Unlike some book or article writers, I walk the talk.

    Will you really save that $2,000 a month if you didn’t drive a car?

    Sometimes money that goes around comes around. If you don’t spend on one thing, you end up spending on another — food, clubs, branded goods, gadgets, etc. Sure, maybe you won’t spend all of that 2 grands, but some of that is going to be spent somewhere, somehow.

    Public transport (and Taxi for that matter) will always be cheaper. Private transport is a lifestyle choice. If you are single, maybe it’s still OK. For those with a family, sometimes a car can really be of much help.

    And for those looking for a girlfriend… need I say more? 😉

    Just for laughs:

    Just for Laughs - Where's your F***ing Ferrari?

  • On car loans again

    I just read this article.

    I found this statement by Tan Huey Min, general manager of Credit Counselling Singapore a little misleading:

    Over the long run, if you pay off the loan in eight years, the amount you have paid is much more than if you had paid the loan off in five years.

    First off, back when 100% 10-year loans were allowed, the interest rate was 1.88-2.8%. EIR 3-4%.

    Now that MAS capped loans to 50% 5-year, banks raised interest rates to 3.25%, or EIR 6-7%.

    Given an arbitrary amount of $100,000. This is how it works out:

    10 years, 100% loan @ 1.88% = $18,800 in interests
    5 years, 50% loan @ 3.25% = $8,125 in interests

    Sure, the interests would have reduced by over $10k+ but these have not taken into account the time value of money, i.e. inflation.

    Singapore’s inflation rate averaged around 4% over the last 5 years. Given that the old EIR was 3-4%, it was actually cheaper to take the loan.

    Note also when you stretch a car loan, the real EIR decreases.

    Here’s what $50K (the down payment amount) if hedged against inflation would work out over 5 years at 4%:

    $50,000 (P) x 4% compounded (r) x 5 years (Y)
    Future value = P(1 + r)^Y = 50000 x (1.04)^5 = $60,832.65

    Amused? No. It is exactly that. The interest rates have risen taken into account the reduction in banks profits.

    So to the cash-rich savvy investor, down paying 50% may not make sense with the revised interest rates then.

    However, if one does not invest wisely, sure… avoiding the debt would be good.

    Now with this blog post I did not say to go right now and take a full loan on a car while you still can. Taking on loan with leverage need to be weighed against risks. The most important risk to manage is the ability to bail out at any time.