buying a car

GM plans smaller cars for urban buyers

General Motors Corp., the world's largest automaker, plans to produce new, smaller Chevrolet cars that would compete with DaimlerChrysler AG's Smart models for younger buyers in North American cities. GM will unveil prototypes of the Trax and two other of the smaller cars April 4 at the New York International Auto Show, spokesman Michael Albano said today in an interview. The Detroit- based company hasn't decided which of the cars it will build, when they might be sold or where they would be produced. The so-called subcompacts will be about a foot shorter than the Chevrolet Aveo, which at 12.5 feet is the smallest model GM sells in North America. The Trax has a 1-liter engine, compared with the standard 1.6-liter on the Aveo. .

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Movers: Morgan Stanley reports record 70% rise in profit

NEW YORK: Morgan Stanley, the U.S. securities firm, said Wednesday that its first-quarter profit rose 70 percent to set a record thanks to trading gains and a jump in investment banking fees.

Net income climbed to $2.67 billion in the three months that ended Feb. 28 from $1.57 billion a year earlier. Profit exceeded the highest estimate of 16 analysts surveyed, and the company's stock rose the most in three years.

The chief executive, John Mack, guided Morgan Stanley to record earnings last year and first-quarter results benefited from a 35 percent increase in trading revenue, a 25 percent jump in fees from advising companies and a nearly tripled rise in investment gains. Earnings growth beat Goldman Sachs, Lehman Brothers and Bear Stearns.

"Extremely strong," said Bill Fitzpatrick, an analyst at Johnson Asset Management, about the best quarter at Morgan Stanley since it went public in 1986.

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CLEO Goes Live Online

ACP Media's Trader Group includes Auto Trader, Deals On Wheels, Motorcycle Trader & News, Trade-A-Boat and Buy Sell & Exchange. ACP Media’s Property Magazines division publishes a range of real estate advertising titles including Property Press and Real Estate magazines.

ACP Media operates a national distribution network through its division Netlink Distribution Company, which distributes publications to retailers across the country. ACP Digital includes a number of websites including taste.co.nz, netguide.co.nz, magshop.co.nz, sellmefree.co.nz, autotrader.co.nz and runwayreporter.co.nz. ACP Media is a subsidiary of ACP Magazines Limited in Australia, a division of PBL Media Limited. www.acpmedia.co.nz

ENDS

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Democracy vs. Growth in India

India is attempting a transformation few nations in modern history have successfully managed: liberalizing the economy within an established democratic order. It is hard to escape the impression that market interests and democratic principles are uneasily aligned in India today. The two are not inherently contradictory, but there are tensions between them that India's leaders will have to manage carefully.

Students of political economy know that market-based policies meant to increase the efficiency of the aggregate economy frequently generate short-term dislocations and resentment. In a democratic polity, this resentment often translates at the ballot box into a halt or a reversal of pro-market reforms. In the West, such tensions have remained moderate for at least three reasons: universal suffrage came to most Western democracies only after the Industrial Revolution, which meant that the poor got the right to vote only after those societies had become relatively rich; a welfare state has attended to the needs of low-income segments of the population; and the educated and the wealthy have tended to vote more than the poor.

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Consumer Tips: What About Car Insurance?

(NC)-All owners are required by law to insure vehicles driven on public roads. Some provinces and territories offer public insurance while others have insurance sold privately. Here are some basic items to consider when buying vehicle insurance: • Liability insurance is mandatory, and is used as financial protection against loss or injury caused to others while operating your vehicle. The minimum amount of insurance required differs across jurisdictions but keep in mind that skimping on liability insurance may cost you in the long run. Minimum liability will not cover the cost of an accident resulting in the injury of several people, for example, particularly in circumstances where litigation is an option. • Vehicle damage insurance, unlike liability insurance, may be optional. Damage insurance, however, is still recommended for the simple reason that damages to a vehicle will quickly add up in the event of an accident where you are at fault.

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Not only automated, automatically personal

CAMDEN (March 2): When it comes to auto or home insurance, the market is full of options. But how do you know the best deal you've found is really the best deal for you?The Allen Agency has the answer. Using a special insurance rating program, the Allen Agency searches all of their companies for the best rates to meet a client's needs.When you obtain a quote on a website from a "direct writer," they sometimes offer premium comparisons from a variety of other insurers. Those premium comparisons may not be accurate because they are not generated based on the detailed specifics of a client's situation. At the Allen Agency, accurate comparisons are made based on premium and the client's specific needs.
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Commercial real estate transactions

OFFICE: ESV Properties purchased a 33,000-square-foot office building at 4000 Garth Road in Baytown and an adjacent 4-acre tract for future development. Christopher Winters of Colliers International represented the seller, Garth Interests. Wade Sinclair of Claire Sinclair Properties represented the buyer.

LAND: WYAK Investments purchased 3 acres at the southeast corner of Town Park and North Course in Oak Park at Westchase Business Park from MK Equity Investments. Lane Guinn of JLM Commercial Advisors represented the buyer. Andrew Lear of Westchase Management Co. represented the seller.

LAND: Marlin Atlantis White, a Texas based development and investment company, sold 420 acres south of FM 646, west of FM 3436 and north of FM 517 in Texas City to Arete Real Estate Development, a Houston based company owned by Joe Fogarty.

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Folk tales, superstitions follow the Irish

Most Americans view St. Patrick's Day as the day on which everyone is supposed to wear green or risk getting pinched.

But many people don't know what's behind the superstition and other symbols associated with the Irish such as leprechauns, shamrocks and fairies.

The luck of the Irish is legendary, as are many of the popular ways about how to either harness or scare off good fortune.

The story about the leprechaun and the pot of gold "that you eventually get cheated out of" is probably the best-known folk tale that persists in the culture, said Eddie Holland, a musician of Irish ancestry who has performed with San Patricios, a band that performs traditional Irish music, for six years.

"Another one is the existence of mystical people known as fairies and how you must try not to upset them," Holland said.

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National Lutheran Schools Week kicks off today

St. Paul's Lutheran will join schools around the country this week in a celebration of National Lutheran Schools Week, St. Paul's Principal Robert Lange said.According to Lange, the Lutheran Church-Missouri Synod boasts more than 1,000 elementary schools, 1,200 preschools and about 70 high schools. St. Paul's has an enrollment of 180 students, he said."Every staff member is dedicated to the Christ-centered, quality education of each child," St. Paul's Principal Robert Lange said in a letter to The Times. "The proof of that quality education is reflected in the caliber of students that have graduated from our school over the years."Lange has been principal at St. Paul's for more than four-and-a-half years.This year's NLSW theme is Lutheran Schools are "A Great Place to Grow."Students at St. Paul's will participate in special events this week including: 2 p.m.

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Arkansas adopts SEMA custom car title legislation

We recently reported how SEMA had helped get new kit and custom car registration legislation passed in Virginia. Well, the razorbacks didn't want their Southern rivals to get too far ahead and recently passed a similar bill of their own. Arkansas made changes to their vehicle titling and registration classifications for street rods and created a new class for custom vehicles too. The bill was recently signed into law by Governor Mike Beebe after being approved by the Arkansas State Legislature. Arkansas now defines a street rod as "an altered vehicle manufactured before 1949" and a custom as "an altered vehicle at least 25 years old and manufactured after 1948." And like the Virginia law, kit cars and replicars will get tagged as being the same model year as the car they aim to replicate. So a freshly built '32 Ford would be a 1932 Ford, and a new Cobra would be a 1960's car on the books.

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Rick Majerus: My March Madness

Florida has the same team and unless too many players have become the "newest best friends" of the Porsche dealer, I like the Gators and their 16-point margin of victory in last year's tourney to be dancing to Elton John's Crocodile Rock all the way to Atlanta.

Maryland has a pass through to the Sweet 16.

The Leprechaun (Notre Dame) will come up "Road Kill" to Winthrop, driving in from the heart of NASCAR to romp the pedal to the metal Irish.

Wisconsin has been seeded in a great lower bracket, where they stay in the same time zone at their first two sites. In St. Louis their fans will out number the Florida fans who will be saving their money to party at the Final Four. Badger faithful, better get Ticket King on speed dial.

West

If Kansas loses in the first round this year, there should be an investigation.

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Captain Cooks Casino Introduces Latest in Online Video Slots

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Prep Prime Time: Drew Storen

Drew Storen is the top pitcher for the Brownsburg High School baseball team, which opened the season ranked No. 1 in Class 4A. The son of radio personality Mark Patrick, the 6-1 senior is headed to Stanford in the fall to play baseball. Storen went 10-1 last year with a save, striking out 114 in 71 innings. He is 22-1 in his high school career for the program that won the 4A title in 2005. .

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Mayor's letter aired; where is the other side?

Recently, WDAM-TV news aired Mayor Melvin Mack's letter foiling a deal between Jones County Board of Supervisors and the mayor to build a new Department of Human Services building in the vicinity of the old Kress building.

The Hattiesburg American excerpted the letter in the March 6, 2007, edition, justifying withdrawing from the deal, which states, in part: "... I feel that we must be attentive to our downtown merchants and support the group that committed not only their time and efforts but also considerable financial resources to the improvement of our city."

According to the March 6 edition of the Leader-Call, "... Mayor Melvin Mack said that construction of the building would conflict with the downtown revitalization efforts." Will "revitalization" develop into a "canopy?"

However, it is interesting if one thinks back when the old Kress store was bustling with business.

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Rantoul's population has continued to decline

Jerry Zachary remembers being in awe of the huge crowds that filled the Rantoul Township High School gym when he played for the Eagles in the 1950s.

"We packed the gym for every game," remembers Zachary, who's now superintendent of Ludlow grade school. "It was a great feeling playing before 1,600 people.

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BT criticised by Court for failing customers

British Telecom faced heavy criticism by a London Judge today (25/04/2007) for failing its customers and not responding efficiently enough when it had power to do so. In a terse judgment, BT were ordered to pay costs to Capital Fortune Mortgage Advisers and the national telecoms provider were held to be in clear breach of contract. The battle began some 10 days ago when incompetent BT engineers mistakenly cut off the award winning www.capitalfortune.com' target='_blank'>Mortgage Brokers Internet connection at its London based service centre. The action caused the loss of thousands of pounds and left homeowners across the capital unable to complete their mortgages. There were fears that BTs actions could push the Company to the brink of bankruptcy threatening legal action and costs if the London mortgage brokers did not back down.

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Payless hopes Tailwind line of shoes pushes it to victory

Payless ShoeSource Inc. has paired with a subsidiary of Nike Inc. to market a high-performance $34.99 running sneaker, a move that both companies hope will tap a lucrative market.

Under the terms of the multiyear deal, Exeter Brands Group LLC, a wholly owned subsidiary of Nike, will design and produce the shoes under the Tailwind collection, while Topeka-based Payless will serve as the exclusive retailer.

Marshal Cohen, chief analyst at NPD Group Inc., a Port Washington, N.Y.-based market research company, said that the Tailwind shoe will break new ground in the $3.5 billion mass-market athletic shoe industry because of the footwear's technology.

"This takes the low end to a new extreme," said Cohen, who noted that what is being offered in the high-performance athletic footwear sold at mass chains is not high-tech.

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Chinese plant rolls out first MG

Nanjing Automobile, which bought the MG brand in July 2005, has rolled out the first Chinese-built MG sports cars from its production line in the eastern city of Nanjing.

These are the MG7 saloon and the MG-TF sports car, which, Nanajing officials say would be priced between $23,300 (approximately Rs10 lakh) and $51,700.

According to reports, the models are a replica of the British version and even sport the Union flag on their bodywork. The Chinese company has retained the acronym of the popular auto brand, MG, marketing it in China as "modern gentleman".

Nanjing Auto, which had acquired the bankrupt MG Rover's models and assets for £53 million in 2005, outbidding China's biggest carmaker Shanghai Automotive Industry Corp (SAIC), built a massive new factory and installed robots and assembly lines it bought from MG Rover within six month.

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3 Questions to Ask Before Selling

Here's a mystery straight from the "odd things that investors do" vault: Why do investors continue to follow a stock's performance after they've already sold it? If price gyrations in the stock have no impact on a portfolio, why bother?

Good question. In my case, I sometimes watch a stock much more closely after it has no part in my portfolio than I did when I actually owned it.

Why? Because I want to feel good about my sell decision. I want to know that I made the right choice. A stock that tanks after I sell crowns me as a market seer, and one that shoots higher goes in the "just kick me" file.

Aside from my own delusions, though, I've learned that my post-sale paranoia is evidence that I sold a stock with more emotion than reason. If I were selling for the right reasons, I'd show much more confidence in the decision and have little need to validate the choice.

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Rants, raves and random thoughts 03 12 2007

Greetings, one and all, and welcome! Thanks much for joining me. As has been the case for about as long as I can remember, there's plenty of mail to consider. One quick thought from Your Humble Narrator (that's me) and we'll check it out. Rants, raves and random thoughts 03 12 2007 Kevin L. Green Greetings, one and all, and welcome! Thanks much for joining me. As has been the case for about as long as I can remember, there's plenty of mail to consider. One quick thought from Your Humble Narrator (that's me) and we'll check it out.

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