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Editorial Results (free)

1. Now You See It … -

Ferris Hall is an unassuming brick building on the edge of the University of Tennessee’s College of Engineering campus and home to the Department of Materials Science Engineering. There, Drs. Ramki Kalyanaraman and Gerd Duscher have opened the door to applying the magic of Hogwarts to military camouflage, cancer treatment or even Halloween costumes for a new generation.

2. Ioby Platform Launches Campaign in Memphis -

The online platform for “citizen-led, neighbor-funded projects” ioby has announced a new $50,000 challenge to make a big impact in neighborhoods around Memphis.

The campaign, called “discover ioby,” hopes to spur as many as 20 new projects across the city. From April 11 through April 15, $50,000 in new funds will be available to match dollars raised for small-scale projects that make Memphis’ blocks and neighborhoods more livable, fun and safe.

3. Ioby Platform Launches Campaign in Memphis -

The online platform for “citizen-led, neighbor-funded projects” ioby has announced a new $50,000 challenge to make a big impact in neighborhoods around Memphis.

The campaign, called “discover ioby,” hopes to spur as many as 20 new projects across the city. From April 11 through April 15, $50,000 in new funds will be available to match dollars raised for small-scale projects that make Memphis neighborhoods more livable, fun and safe.

4. Lack of Innovation at Nonprofits -

Through the Southern Growth Studio, I have the great honor to work with nonprofits. Big ones. Growing ones. And ones on the verge of collapse.

There is an odd tendency for almost all of these organizations to respond to innovations in the same way; they desire them deeply but are wildly timid. It’s a dizzying and paralyzing fear-based response. “What if it doesn’t work? I don’t know. …” They yearn to roll out a new program or re-create an experience that gets better results, but something nagging in the culture keeps them from enacting the very thing that may set them apart and catalyze their potential.

5. Millennial Challenge: Do I Rent or Do I Own? -

Mike Smalling is a mortgage loan originator with F&M Mortgage and is a lifer in mortgage lending. He recently penned a book entitled “Your Mortgage Matters,” and the work provides information for those new to home buying, as well as those that have bought and sold numerous homes.

6. Puzzles Live -

“Life’s a puzzle. Let’s fill in the blanks.” That’s the title of a speech I’ve been giving of late. Without being too literal, I find parallels between crosswords and everyday existence.

7. Discovering Winter Hotel Deals -

I’ve never been a big fan of winter travel. I don’t care for snow and cold, and I’m not really interested in paying heftier prices for tropical destinations. But I have experienced a regional city from time to time, like Atlanta in February last year.

8. Millions More People to Get Their Credit Score for Free -

NEW YORK (AP) – Millions more people will have free access to their FICO credit score this year. That's good news for consumers, since the number is widely used by lenders to check potential borrowers' financial health.

9. Friday Night Parties a Good Start for Beginners -

Ballroom dancing, or social dancing as it’s also called these days, teaches people many different skills, and area studios also provide outlets so student dancers can use what they’ve learned.

Studios offer Friday night parties to give students a chance to practice and to have fun. Rhonda Becker, who owns Champion Ballroom Center of Knoxville with her husband, Mark, and son, J.W., says that people make friendships over time and look forward to getting together on Friday nights.

10. Forest Service Yanks $10 Million Contract to Boost Its Image -

GRANTS PASS, Ore. (AP) – The U.S. Forest Service has abruptly decided not to spend $10 million on a five-year nationwide public relations campaign to brand itself as a public agency that cares about people and nature.

11. Rental Showdown -

Tiffany H., 43, has found the perfect way to make money. It’s close to home, easy-to-manage and gives her the flexibility she needs as a busy mom shuttling two children back and forth to two different schools each day.

12. Christmas Coming Home -

CHRISTMAS TIME. Every Christmas I tell this story, and in the telling Christmas comes home.

It was my first time to England and overseas, and prime time for The Beatles, The Rolling Stones and Soho.

13. ‘Amazing Food’ Explosion -

John Minervini quickly turns giddy whenever he’s talking about the food scene in Memphis.

He’s such a fan of the scene, in fact, that this freelance writer and pro-Memphis foodie recently decided to start an online venture called “The Fork” he aims to make a one-stop shop where readers can read about chefs, learn about seasonal ingredients and find a new place to eat in their neighborhoods.

14. Sponsors Pay Big Bucks to Join College Bowl Games -

SAN FRANCISCO (AP) – Ready! Set! Hut, hut: This holiday season's blitz of college football bowl games features a reshuffled roster of corporate sponsors spending millions to thrust their names in front of fans watching on TV and in the stands.

15. 26 Industrial Properties Facing Foreclosure -

The company that purchased Farnsworth Investment Co.’s industrial portfolio in 2005 has defaulted on a $69 million loan, and now 26 of its properties are facing foreclosure, according to a first-run foreclosure notice in the Friday, Dec. 12, edition of The Daily News.

16. 26 Industrial Properties Facing Foreclosure -

The company that purchased Farnsworth Investment Co.’s industrial portfolio in 2005 has defaulted on a $69 million loan, and now 26 of its properties are facing foreclosure, according to a first-run foreclosure notice in the Friday, Dec. 12, edition of The Daily News.

17. Celebrating the Holiday Season in East Tennessee -

Even ole Ebenezer Scrooge could find something in Knoxville to get him in the holiday spirit.

Area residents have a wide selection of holiday activities including a Clarence Brown Theatre rendition of Scrooge’s Christmas Eve’s nocturnal visitors. Many of the activities are free, but others range in price. Visit the websites for more detailed information, including time, ticket price and availability.

18. Eat, Drink and Walk Off the Calories As You Go -

There are three things you can count on if you take a walking food tour in East Nashville with – the appropriately named – Walk Eat Nashville:

1. You will discover new favorite dishes at familiar places.
2. You will try things you wouldn’t ordinarily sample on your own.
3. You will learn something new about the neighborhood, even if you thought you knew it all already.

19. ’Tis the Season -

After the recession struck, desperate retailers competing for a shrinking amount of shopping dollars and market share began tinkering with time-tested holiday marketing strategies.

Good prices, great values, unique offerings and convenience no longer were enough to boost retail sales.

20. ‘Creative Collisions’ and Memphis Startups -

“We just closed a lead investor for our $1.5 million angel round,” said the entrepreneur, sipping a latte. “And we’d love to have you on board to help us round out the fundraise.”

21. US Bank Refunding $48 Million to Credit Card Customers -

WASHINGTON (AP) – U.S. Bank is refunding about $48 million in the latest federal settlement by a major bank over improper billing for extra credit card products that customers didn't receive.

22. Middle-Class Squeeze: From Day Care to Health Care -

WASHINGTON (AP) – Three years ago, Jason Prosser was stunned to discover the cost of child care for his newborn son – so much so that he and his wife postponed having a second child.

23. Memphis Police Discover More Rape Kits -

Memphis Police have found in recent weeks 196 more rape kits in previously unsearched areas where police store evidence, Memphis Police Director Toney Armstrong told Memphis City Council members Tuesday, Sept. 16.

24. Discover Labor Day Getaways Close to Home -

Labor Day, the traditional end to summer. Public swimming pools are closing and college football is getting underway.

It’s also time for one last getaway before fall settles in, especially if you have school-age children.

25. Discovering the World of Travel -

What does travel mean? On one hand, it’s a vacation from everyday life, an escape. It’s an opportunity to have your physical pains massaged away in a spa while an ocean breeze momentarily relieves your stress and worry.

26. Creatives Talking -

Memphis is experiencing a creative resurgence. And Billy Nation and Andrew Lebowitz, two friends who work at the marketing communications firm Oden, want to talk about it.

Back in April, they started the “Creative Memphis Podcast,” a roughly hour-long chat they co-host that features a conversation with a guest who does creative work in some form or fashion. They envisioned the project as a kind of megaphone to support and celebrate creatives in Memphis, as well as the resurgence of positive energy and feeling they feel is spreading around the city.

27. Editorial: Park Situation Speaks to Bigger City Issues -

The parking controversy at Overton Park is probably the best place to begin to think more about what happens when we get our wish for more density within the parkways.

More people living and working or going to the same area or park, in this case, means change on a lot of different levels.

28. Identity Theft and Social Media -

Ray’s take: You just logged into your online banking and your account is empty. You go to apply for a loan and are told you don’t qualify due to overextended credit. You file your tax return only to discover it has already been filed and your refund check issued and cashed. These are some of the very real things that have happened due to identity theft.

29. Local Connection -

When The Chinese Connection Dub Embassy takes the stage in Handy Park on Beale Street Friday, June 6, the band’s reggae beat and style will be something new for a park that has seen everything from church choirs to jug bands to blues bands playing “Mustang Sally” and similar hits for tourists.

30. Southwest Fined $200,000 for Deceptive TV Ads -

DALLAS (AP) – Southwest Airlines is being fined $200,000 for advertising a fare sale too good to be true.

The U.S. Department of Transportation said Thursday that in TV ads last October the airline promised flights from Atlanta to New York, Chicago and Los Angeles for just $59 – but didn't make any seats available at that price.

31. New Rosenfelt Novel Delivers -

David Rosenfelt has done it again! Kept me in my chair for two whole hours, that is. Once I got to page 100 of “Without Warning,” I had to just go ahead and finish it. You know, to see how it would end.

32. Encouraging Company Volunteerism -

Boosting workplace morale may be as easy as leveraging your team’s talents outside the office via volunteer efforts.

Many times, these opportunities allow an employee to showcase skills and talents that would otherwise be unknown to their fellow team members.

33. Owens Named MERI Executive Director -

Jason K. Owens has been named executive director of the Medical Education & Research Institute. Owens previously served as education/research planning manager of the nonprofit medical teaching and training bioskills laboratory, and has led cross-functional initiatives specific to the MERI’s strategic education and research planning, mobile education development and operational management.

34. I Choose Memphis: Jittapong 'JT' Malasri -

“I Choose Memphis” spotlights Memphians who are passionate about calling this community home. New Memphis Institute provides the profiles.

Name: Jittapong “JT” Malasri

35. Intaxicating Humor -

To file or not to file? For an extension, that is. Indeed, this is the question. For mid-April is upon us yet again.

In desperation, if not also procrastination, I seek the ease that only humor can bring. Read that: I decide to try my hand at writing tax jokes. Which proves to be a bit of a problem, as I am not by trade a joke writer. Not one to be deterred by such technicalities, I press onward:

36. Enjoy the Brewery While It's Still Here -

I’ve been looking at the Tennessee Brewery for years. I used to have an office next door, and now from my agency’s current location, I can see its majestic, Romanesque arched windows towering over the South Main Arts District.

37. Bank of America Paying $772 Million Over Credit Card Extras -

WASHINGTON (AP) – Bank of America Corp. is paying $772 million in fines and refunds to settle regulators' accusations that it misled customers who bought extra credit-card products and illegally charged others for credit monitoring and reporting services they didn't receive.

38. Trendcasting and Innovation -

Did you wake up this morning to realize that the world has changed and your business has not changed with it? If you are a regular reader of this column you know we discuss growth strategy and innovation and all of the challenges that accompany those pursuits. We see many companies of all sizes that are dying a slow death in a saturated market with outdated business models. They fail to get out ahead of what’s next.

39. Pittman Brings Love of Memphis to Yelp Role -

On a recent lunchtime visit to Mot & Ed’s, the restaurant at 1354 Madison Ave. specializing in Southern food with a popular stuffed burger, Joelle Pittman immediately got the owner’s attention after the owner introduced herself and found out Pittman works for Yelp.

40. Intellectual Property Audits for Companies -

Successful businesses routinely conduct audits of their assets, such as merchandise or financial holdings. Audits are fundamental to making informed business decisions that lead to an efficiently managed business.

41. Stewart Joins Metal Museum as Collections Manager -

Grace Stewart has joined the Metal Museum as collections manager/registrar. Stewart, who previously served as registrar for the National Civil Rights Museum for a year and a half, says her goals are to help grow and define the Museum’s permanent collection and facilitate greater access to the collection through exhibits and education opportunities.

42. Trustee Not Accepting American Express -

The Shelby County Trustee isn’t accepting payments this tax season made with American Express.

Because of ongoing negotiations between a third-party vendor and American Express, the trustee’s office said it isn’t yet able to process property tax payments using American Express. The reason the trustee’s office is spreading this news is that 2013 tax bills and brochures indicated the office would be able to accept American Express in anticipation of an agreement being signed.

43. Trustee Not Accepting American Express -

The Shelby County Trustee isn’t accepting payments this tax season made with American Express.

Because of ongoing negotiations between a third-party vendor and American Express, the trustee’s office said it isn’t yet able to process property tax payments using American Express. The reason the trustee’s office is spreading this news is that 2013 tax bills and brochures indicated the office would be able to accept American Express in anticipation of an agreement being signed.

44. Traveling is a Worthwhile Investment -

Ray’s Take When you set your spending priorities, don’t forget to consider travel. Assuming your finances and budget are adequately on track, investing dollars in traveling can repay a host of personal dividends.

45. Forgiveness Lessons From the Heart -

It is said that when everything changes, change everything. It’s quick advice, but a long-term process, especially if holding on to the past is easier than moving on. So what makes the difference in being stuck in a negative situation and being able to discover what lies ahead on the other side of change?

46. Your Biggest Competitor is Indecision -

Ask about anyone in business about their biggest competition, and they’ll likely offer up the name of a rival company. I’d argue that for most companies, the fiercest of all competitors is prospect indecision and apathy – the predominant deal-killers faced by sales teams day in and day out.

47. Time for Biz Housekeeping -

The new year is a time of growth planning, renewed focus and basic housekeeping. We encourage you to take this time to evaluate your business for pruning opportunities. Just like nature’s cycle, the old must die to make room for the new in the business realm as well.

48. Creative Aging Mid-South Delivers Arts to Elderly -

Meryl Klein is on a mission to bring color, music, movement and beauty to senior citizens throughout the Mid-South.

The executive director of Creative Aging Mid-South has built a roster of local professional singers, musicians, visual artists, storytellers, actors and workshop artists to create meaningful artistic experiences for elderly audiences.

49. Bowling for Who-Knows-What -

On the day after Christmas, 1958, I turned 7. The next day, Ole Miss played Florida in the Gator Bowl. The only other bowl games then were Sugar, Orange, Rose, and Cotton – all played on New Year’s Day – plus Sun, Tangerine, and Bluegrass, played earlier. Eight in all.

50. Christmas Coming Home -

CHRISTMAS TIME. Every Christmas I tell this story, and in the telling Christmas comes home.

It was my first time to England and overseas, and prime time for The Beatles, The Rolling Stones and Soho.

51. Revenue Model Innovation Exercise -

One generative exercise for any CPG company to explore growing market share is hold a session where a team role-plays a wide array of alternative revenue models for a particular brand.

As far as the ground rules for this ideation session, any ideas should be welcomed – and the cultural antibodies of “how we have always done things” need to be silenced. This session will not only challenge your existing model and inspire new, profitable thinking, but will also unlock new avenues of growth the existing paradigm of doing business usually will not allow considering.

52. What If You Need Money – Fast? -

Ray’s Take Sometimes bad things happen. Despite careful financial planning you can simply hit something you’re not prepared for. The fact is no matter how well you plan for financial security, something outside of your control can happen and threaten your plan, your lifestyle, and potentially your solvency.

53. Parts or Whole? -

What do you call a single cell in a huge body acting counter to the general flow of a body? A rebel cell.

The theory of cancer is happening at the corpuses of businesses everywhere. When parts are running in different directions than the whole, there is a schism a hand.

54. New in Rural Tennessee: Discovery Park of America -

UNION CITY, Tenn. (AP) – The gleaming white building with curved exteriors and a spaceship-like tower emerges from the flat landscape of West Tennessee like something out of science fiction, but it's not a villain's lair or superhero's headquarters.

55. Twitter Tunes in to TV Partnerships Ahead of IPO -

NEW YORK (AP) – People don't just watch TV anymore; they talk about it on Twitter. From the comfort of couches, they share reactions to touchdowns and nail-biting season finales – and advertisers and networks are taking note.

56. Four Kinds of Luck -

There are the four kinds of luck: Good luck, the random kind that you cannot influence. Good luck, the kind you can influence or help create. Bad luck, the random kind you cannot influence. Bad luck, the kind you create. In this article, let’s focus on the second kind of luck, the luck you can influence.

57. Stranger Fear -

IN FEAR, WE’RE ALL LOST. “When is Mom coming back?” Hallie, 12 at the time, asked. “Yeah,” added Gaines, 5 at the time, “she’s been gone a long time.” Dan, jet-lagged at the time – with two children next to him, the Eiffel Tower behind him and the City of Light all around him – realized several things:

58. Mean Streets -

Alabama’s Nick Saban can walk anywhere he wants in the Southeastern Conference – college football’s roughest neighborhood – and no one can lay a finger on him.

His teams have won the national championship in three of the last four years. Overall, SEC teams have won the title seven consecutive years and the league is a dream destination for head coaches – until it turns into a grinding, weekly nightmare.

59. Selling in a Knowledge Economy -

The Internet has created an unprecedented power shift in the marketplace. Gone are the days where the salesperson alone carries the lion’s share of the knowledge about the products and services he’s selling and therefore holds the power in a sales exchange.

60. Purposeful Innovations -

Many of the Let’s Grow columns discuss practical and theoretical strategies and tactics to help companies better innovate.

While these tips and tools can serve as a guide to creating breakthrough and incremental innovations at your firm, they tend to have a higher rate of success in corporate cultures that provide the process, rewards, metrics, training and resources to innovate. More important, perhaps, is a mindset that fine tunes the organization. This mindset can galvanize a culture. This mindset is based in an overarching purpose.

61. SILLY Exercise -

DISCOVERING MEMPHIS TOGETHER. Last week, I had lunch with tomorrow. Some of the staff and young people involved with the New Memphis Institute’s programs to attract and retain the kinds of minds and hearts that will keep us thinking and keep our beat going wanted to talk to about things unique to Memphis – things funky and things obscure.

62. Does This Make Sense? -

It appears that as humans we have a “makes sense” switch in our brains. Here is the way it works. First we decide what we think about an issue and take a position on it. Then we run our decision through some sort of mental process to gather information in support of our position. Often, when we first stumble across any evidence that causes us to think, “That makes sense,” we abandon any further exploration, store our position in memory for possible future use and move on to the next thing.

63. Perfect Harmony: MBA and MFA Mindsets -

Business needs to bridge two universes together: the scientific process taught in schools that offer a Master of Business Administration degree and the creative process taught in Master of Fine Arts degree programs.

64. Should Kids Work? -

Ray’s Take Like it or not, eventually most kids are going to have to enter the workplace, so why not let them learn something about the “real world” while school is still their main focus? After all, learning to balance work and other pursuits is central to a successful life.

65. RedRover Expands Business, Headcount -

RedRover Sales & Marketing has added several new members to its “pack” in recent weeks.

In the last quarter alone, the firm – which hit its seventh anniversary in January – added four new professionals. They are marketing account executives Rachel Carpenter and Natalie Cunningham, graphic designer Kennon Adair and sales trainer and recruiter Gary Dean.

66. Lincoln Charged With Selling Memphis to World -

There is a surge these days in Memphis boosterism, but there may be no one else with their pulse more on what is new and exciting and worth celebrating in the city than Rashana Lincoln.

As director of community engagement for the New Memphis Institute (formerly the Leadership Academy), Lincoln is charged with selling her greatest passion: Memphis.

67. A Year After IPO, Facebook Aims to be Ad Colossus -

NEW YORK (AP) – It was supposed to be our IPO, the people's public offering.

Facebook, the brainchild of a young CEO who sauntered into Wall Street meetings in a hoodie, was going to be bigger than Amazon, bigger than McDonald's, bigger than Coca-Cola. And it was all made possible by our friendships, photos and family ties.

68. Clippers’ Bench Spells Trouble for Grizzlies -

The Los Angeles Clippers may or may not prove to be serious Western Conference title contenders. Count TNT analyst Charles Barkley as their No. 1 doubter, having called them “fool’s gold” and compared them to a pretty girl that steals your heart only for you to discover she is “dumb as a box of rocks.”

69. Zero Budget – What a Boon -

Entrepreneurs come alive when all odds are stacked against them. Think of the famous stories. Walt Disney and Frank Lloyd Wright going bankrupt several times until their visions pay off. Edison brokering the GE deal that meant the West would use the type of electricity the wizard of Menlo Park created. Steve Jobs kicked out of Apple, starting Next. The old saying holds true: the darkest hour is just before the dawn.

70. A Very Good Question to Ask -

What if you knew the best predictor of future growth for your business? Think about it. If you knew the best predictor, you could look into it, see how you’re doing with regard to it and focus much of your time and energy on it.

71. Rediscovering the Past -

High-rise office buildings surround it on two sides and even the multistoried rectory at St. Peter Catholic Church offers a downward view of the Magevney House on Adams Avenue, east of Third Street.

72. BRIDGES to Oz -

Last week we focused on a new form of mentorship, aimed at talent development and retention, with the University of Memphis and their LEAD program’s Professional Connection Lunches. This week let us discuss an organization that is uniting and inspiring diverse young people to become confident and courageous leaders committed to community transformation: BRIDGES.

73. Women Integral for City’s Best Version -

There is a Memphis where important things get done against long odds and powerful opposition aimed specifically at the very people trying to accomplish these goals that most of us agree are worthy.

74. Study: 1 in 5 Consumers had Error in Credit Report -

WASHINGTON (AP) – One in five consumers had an error in a credit report issued by a major agency, according to a government study released Monday.

The Federal Trade Commission study also said that 5 percent of the consumers identified errors in their reports that could lead to them paying more for mortgages, auto loans or other financial products.

75. Rix Discovers Everyone’s Perfect Chocolate Flavor -

“What does your business taste like?” That’s one of the first questions Chef Phillip Ashley Rix asks when company leaders commission his signature chocolates to represent their brands. It’s an unusual way to start a business conversation, and it usually jolts people into thinking outside the box, he says.

76. Gowen Named Marketing Head at Renshaw Property Management -

Kellyn Gowen has joined Renshaw Property Management as marketing coordinator. In her new role, Gowen manages social media, marketing and communications for the company’s 800 Mid-South rental properties, serves as a liaison for property owners and real estate agents, and spearheads marketing efforts for vacant properties.

77. Dishcrawl Food Tours to Make Memphis Debut -

Many have heard of a pub crawl, but a dish crawl – maybe not so much. 

A dish crawl is a way to explore four restaurants in one night. Similar to a pub crawl, but with food, dish crawls are guided, walkable culinary tours.

78. Is Grizzlies’ Best Behind Them or Yet to Come? -

Is the Grizzlies’ potential not-yet-realized or grossly overestimated? That’s the only relevant question in the midst of Rudy Rumors, speculation about coach Lionel Hollins’ long-term future with the team, and the level of commitment new ownership is or isn’t willing to make in the here and now to this particular roster.

79. Get More Out of Your Corporate Retreat -

Have you ever asked yourself why you are taking a corporate retreat? Is it because the company has always had one and it is just an event on autopilot? Is it intended to reinforce the company line? What do you as a leader really get out of it? What does everyone else get out of it? If it is designed to be a “morale builder” and a session to “build consensus” you may be wasting your time and money. There is nothing worse for morale than having a lockdown then hotboxing people who work over 50 hour weeks. These people likely feel that they are getting behind on their work treadmill and worse, they resent the time away from home and family.

80. Christmas Coming Home -

CHRISTMAS TIME Every Christmas I tell this story, and in the telling Christmas comes home.

It was my first time to England and overseas, and prime time for The Beatles, The Rolling Stones and Soho.

81. Discovering New Paths -

In 2009, Charity Helvie, 35, left a successful career in the investment industry to start a home-based business, MadiBella, a custom clothing boutique featuring her handmade children’s clothes and women’s accessories.

82. New Vibe Connects to Soulsville’s Classic Sound -

When the music that helped define Memphis was being made at 926 East McLemore Ave., there wasn’t much thought about giving the music the grand sweeping depth of a symphony orchestra.

83. Cooking Channel Show to Spotlight Main Street -

The television food scene has been kind to Memphis this year.

Celebrity chef Guy Fieri recently visited six Memphis-area restaurants for his Food Network show, “Diners, Drive-Ins and Dives,” all of which have opened within the past few years.

84. Amex Paying $112.5 Million in Late-Fee Settlements -

WASHINGTON (AP) – American Express Co. is paying $112.5 million in refunds and fines to settle regulators' accusations that it charged unlawful late fees and deceived customers to pressure them to pay off old debts or buy extra credit card services.

85. Discover How Different Paying in Cash Feels -

Ray’s Take Credit cards make shopping so easy. A simple swipe, one signature and you’re done. Then 30 days later the bill comes due and you wonder how you managed to spend all that money.

86. Feds Order Discover to Refund $200 Million to Cardholders -

WASHINGTON (AP) – Discover Bank will pay millions in fees to settle accusations by regulators that it pressured credit card customers to buy costly add-on services like payment protection and credit monitoring.

87. Business Anthropology Unlocks Opportunities -

Many consumer product, retail, and software companies are reinventing themselves and growing market share by better empathizing with the people who use their products or services. Increasingly, other businesses – from B2B companies to doctor clinics – are learning the potent power of empathy.

88. AP IMPACT: Aggressive Start for Consumer Bureau -

WASHINGTON (AP) – The new federal agency charged with enforcing consumer finance laws is emerging as an ambitious sheriff, taking on companies for deceptive fees and marketing and unmoved by protests that its tactics go too far.

89. Government Turns Heat on Employers Over Job Bias -

WASHINGTON (AP) – It started with allegations of hangman's nooses, graffiti and racist comments targeting a handful of black workers at a trucking company warehouse in Chicago Ridge, Ill.

90. Capital One to Pay $210M Over Marketing Tactics -

WASHINGTON (AP) — The Obama administration's consumer watchdog agency flexed its enforcement muscles for the first time Wednesday and ordered Capital One Bank to repay millions of credit card customers allegedly tricked into buying costly add-on services.

91. Film Industry Can’t Count on Incentives -

The discussion about film and video production incentives has come a long way from the days when incentives meant pile up the cash and push it across the table at the folks from Hollywood.

Tennessee Gov. Bill Haslam was lobbied hard when he was a candidate in 2010 to match what Louisiana was doing in film incentives. And to his credit, he took a hard line saying Tennessee shouldn’t get caught up in what amounted to an arms race for film and television production.

92. Municipal Referendums Hearing Continues -

The hearing in Memphis federal court to determine whether referendums on suburban municipal school districts will go ahead as scheduled looks to be an all-day affair.

The hearing broke for lunch Thursday, July 12, with federal Judge Hardy Mays still to hear from attorneys for the state of Tennessee, the six suburban towns and cities, the Shelby County Election Commission and the city of Memphis and Memphis City Council.

93. Privacy Gaffe Discovered in Internet Address Bids -

NEW YORK (AP) – The organization in charge of introducing new Internet addresses to rival ".com" briefly suspended access to some of the documents on its website after a privacy gaffe.

94. Thankfully, It’s Only Fiction -

I didn’t like the last novel I read, C.J. Box’s “Three Weeks to Say Goodbye” (2009). If you think you want to read it, then don’t read this column, as it will spoil the experience.

95. Strike up the Band -

For anyone who finds themselves in conversation with Mei-Ann Chen about the Memphis Symphony Orchestra, its big plans for the year and major guest performers who’ve been lined up, be prepared to get an earful on a topic about which Chen will evangelize, her smile broad and voice brimming with cheer.

96. JPMorgan Loss Sets Off Call for Heavier Regulation -

WASHINGTON (AP) – A surprise $2 billion trading loss by a division of JPMorgan Chase triggered calls Friday for tougher regulation of banks three years after their near-death experience in the financial crisis.

97. UTHSC Prof. Receives $325K For Drug Discovery Instrument -

Dr. Wei Li, associate professor in the Department of Pharmaceutical Sciences at the University of Tennessee Health Science Center (UTHSC), is the principal investigator of a $325,000 grant from the Office of the Director, a subsidiary of the National Institutes of Health.

98. Attaboy, Jimmy -

AND STRAIGHT ON TILL MORNING. Last week, Peter Pan was laid to rest. They came from all over Memphis, his Never Never Land and reality for everybody else, to overflow Midtown’s majestic Idlewild Presbyterian Church.

99. Harnessing Strategic Business Growth -

If you’re not growing, you’re dying anonymous. Growth: That Crazy Talk. Call it the entrepreneurial instinct, innovation, business savvy, whatever you want: strategic growth is how business prospers.

100. Creating a Last Impression -

Ambient marketing, an underutilized form of guerrilla marketing, aims to catch the attention of prospective customers in nontraditional locations while in a place and at a time when they are most open to considering what you’re offering.