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Editorial Results (free)

1. Vanderbilt Students Find Happiness in Music City -

As the Class of 2018 begins to poke around the Vanderbilt University campus, the newest Commodores will be met with the highest of expectations.

“This class is projected to have the highest academic quality in our history as measured by high school class rank and SAT scores,’’ says Doug Christiansen, vice provost for enrollment and dean of admissions.

2. US Housing Recovery Appears to be Back on Track -

WASHINGTON (AP) – A fourth straight monthly increase in sales of existing homes provided the latest evidence Thursday that the U.S. housing market is rebounding from a weak start to the year.

3. Reshaping a City, One Lot at a Time -

John G. Brittle Jr. doesn’t have an office. He has a war room. The space, crowded with maps, charts, books, piles of paper and marked-up spreadsheets, is ground zero for InfillNashville, the 10-person team of site selection specialists that Brittle leads at Village Real Estate Services.

4. Report: Health Law Sign-Ups Dogged by Data Flaws -

WASHINGTON (AP) – Many of the 8 million Americans signed up under the new health care law now have to clear up questions about their personal information that could affect their coverage.

5. Poll: Many Still Struggle to Pay Health Premiums -

WASHINGTON (AP) – Most people who signed up under President Barack Obama's health care law rate their new insurance highly, but a substantial number are struggling with the cost, according to a poll released Thursday.

6. Many Seek New Homes Near Cities But are Priced Out -

WASHINGTON (AP) – City living has been a blessing for Tim Nelson.

The Phoenix lawyer moved downtown a few months ago into a new $389,000 home with a warehouse-style floor plan, a Jacuzzi tub and kitchen counters made of Caesarstone quartz. His favorite coffee spot is three blocks away. When the Arizona Diamondbacks play on Friday nights, he can watch postgame fireworks from his deck.

7. US New-Home Sales Rose 6.4 Percent in April -

Sales of U.S. new homes recovered in April after slumping in the previous two months. But Americans are still buying new homes at a slower pace than they did a year ago.

The Commerce Department said Friday that sales of new homes rose 6.4 percent last month to a seasonally adjusted annual rate of 433,000. That compares with an upwardly revised annual pace of 407,000 in March, when purchases fell 6.9 percent. Buying had dropped 4.4 percent in February, in part because of winter snowstorms.

8. US New-Home Sales Rose 6.4 Percent in April -

Sales of U.S. new homes recovered in April after slumping in the previous two months. But Americans are still buying new homes at a slower pace than they did a year ago.

The Commerce Department said Friday that sales of new homes rose 6.4 percent last month to a seasonally adjusted annual rate of 433,000. That compares with an upwardly revised annual pace of 407,000 in March, when purchases fell 6.9 percent. Buying had dropped 4.4 percent in February, in part because of winter snowstorms.

9. Average US 30-Year Mortgage Rate Falls to 4.14 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell this week for a fourth straight week. The low rates could give a boost to the spring home-buying season, which has started slowly.

10. Darden to Sell Red Lobster, Hold Onto Olive Garden -

NEW YORK (AP) – Darden is setting Red Lobster adrift, but betting that it can still turn around Olive Garden's fortunes.

The company, which is based in Orlando, Florida, said Friday that it would sell its seafood chain and the accompanying real estate to investment firm Golden Gate Capital in a $2.1 billion cash deal. The announcement came despite objections from some shareholders to the plan to separate Red Lobster, which was announced late last year.

11. Average US 30-Year Mortgage Rate Dips to 4.2 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages declined this week for a third straight week. The low rates could give a boost to the spring home-buying season, which has gotten off to a slow start.

12. Average US 30-Year Mortgage Rate Falls to 4.21 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell this week for a second straight week as the spring home-buying season has gotten off to a slow start.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan declined to 4.21 percent from 4.29 percent last week. The average for the 15-year mortgage eased to 3.32 percent from 3.38 percent.

13. Rudd Charts Path at University of Memphis -

The incoming president of the University of Memphis should name his provost or chief academic officer this week as he prepares to take office May 16.

M. David Rudd was appointed president of the city’s largest institution of higher learning last week by the Tennessee Board of Regents.

14. Average US 30-Year Mortgage Rate Eases to 4.29 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages declined slightly this week as the spring home-buying season has gotten off to a slow start.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan eased to 4.29 percent from 4.33 percent last week. The average for the 15-year mortgage ticked down to 3.38 percent from 3.39 percent.

15. Average US 30-Year Mortgage Rate Up to 4.33 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages rose this week as the spring home-buying season has gotten off to a slow start.

Mortgage buyer Freddie Mac said Thursday that the average rate for the 30-year loan rose to 4.33 percent from 4.27 percent last week. The average for the 15-year mortgage increased to 3.39 percent from 3.33 percent.

16. Affordable Care Act Only Chips Away at a Core Goal -

SACRAMENTO, Calif. (AP) – Swan Lockett had high hopes that President Barack Obama's health overhaul would lead her family to an affordable insurance plan, but that hasn't happened.

Instead, the 46-year-old mother of four from Texas uses home remedies or pays $75 to see a doctor when she has an asthma attack.

17. Growing Demand for US Apartments Pushing Up Rents -

These are good times for U.S. landlords. For many tenants, not so much.

With demand for apartments surging, rents are projected to rise for a fifth straight year. Even a pickup in apartment construction is unlikely to provide much relief anytime soon.

18. US Home Market: Few Buyers and Not Enough Sellers -

WASHINGTON (AP) – Entering the 2014 spring buying season, the U.S. housing market faces an unusual dilemma: Too few people are selling homes. Yet too few buyers can afford the homes that are for sale.

19. White House: 7 Million Signed Up for Health Care -

WASHINGTON (AP) – In a key milestone for the 4-year-old health care law, the Obama administration says more than 7 million people signed up for health care through insurance exchanges, surpassing a threshold once seen as unattainable.

20. University of Memphis Provost Kicks Off President Interviews -

David Rudd began with the obvious this week, as the four finalists to become the next president of the University of Memphis began individual sessions with faculty, students and staff at the city’s largest institution of higher education.

21. US Home Prices Dip for Second Straight Month -

WASHINGTON (AP) – U.S. home prices fell for the second straight month in December as brutally cold weather, tight supply and higher costs slowed sales.

The Standard & Poor's/Case-Shiller 20-city home price index declined 0.1 percent from November to December, matching the previous month's decline. The index is not adjusted for seasonal variations, so the dip partly reflects slower buying as winter weather set in.

22. US Construction Spending Up 1 Percent in November -

WASHINGTON (AP) – U.S. construction spending rose in November at the strongest pace in more than four years, driven by solid gains in home construction and commercial projects.

The Commerce Department said construction spending increased 1 percent in November to a seasonally adjusted annual rate of $934.4 billion. That's the fastest rate since March 2009 and a slight improvement on the revised 0.9 percent gain in October.

23. US Home Price Gains Slow in October From September -

WASHINGTON (AP) – U.S. home prices rose in October from the previous year at the fastest pace in almost eight years. But price gains slowed in most U.S. cities from September to October, suggesting the increases are leveling off.

24. Signed Contracts to Buy US Homes Level Off -

The number of Americans who signed contracts to buy existing homes in November was essentially unchanged from October, suggesting sales are stabilizing after several months of declines.

The National Association of Realtors said Monday that its seasonally adjusted pending home sales index ticked up to 101.7 from 101.5 in October. The October figure was revised lower from an initial reading of 102.1.

25. Lawmakers Push to Delay Huge Flood Insurance Hikes -

WASHINGTON (AP) – A bipartisan group of lawmakers Tuesday unveiled legislation that would delay for about four years several changes to the federal government's flood insurance program that are threatening to sock thousands of people with unaffordable premium hikes.

26. Health Coverage -

The Little Clinic is opening its sixth and seventh limited-care clinics in the Memphis area this month as part of a growth plan that includes 30 new Little Clinics opening in Kroger stores in 2013.

27. Nike Files $4.3 Million Permit for Frayser Facility -

3100 New Frayser Blvd.
Memphis, TN 38128
Permit Cost: $4.3 million

Project Cost: $301 million
Permit Date: Applied September 2013
Completion: TBA
Owner: Nike Inc.
Tenant: Nike Inc.
Architect: N/A
Contractor: Wynright Corp.
Details: Nike Inc. has filed a $4.3 million building permit with the city-county Office of Construction Code Enforcement for work on its North Memphis distribution center at 3100 New Frayser Blvd.

28. Owner Files $16.9 Million Loan on River Trace Apartments -

The owner of the 440-unit River Trace Apartment Homes, at 2165 E. River Trace Drive near Bartlett, has filed a $16.9 million loan on the property.

29. Editorial: Bottom Line: Health System Needs Reform -

Most of us by now have received letters from our employers regarding changes to our health care insurance that affect us now or will affect us in the future.

This is in addition to the yearly ritual so many of us have of the annual change in health insurance at our places of work.

30. Levien Discusses Grizzlies’ Accolades, Offseason Focus -

A day after the news broke that ESPN The Magazine had crowned the Memphis Grizzlies the best franchise in North American pro sports, team CEO Jason Levien sat down for a one-on-one interview with The Daily News.

31. FedEx Cares Week Builds Community Support -

FedEx Corp. wraps up its ninth annual FedEx cares Week on Friday, as more than 900 local FedEx employees have volunteered in the community for a variety of organizations.

32. Back to Negotiations After Student Loan Plan Fails -

WASHINGTON (AP) – The defeat of a student loan bill in the Senate on Wednesday clears the way for fresh negotiations to restore lower rates, but lawmakers are racing the clock before millions of students return to campus next month to find borrowing terms twice as high as when school let out.

33. Shelby County Building Permits Increase 5 Percent -

Editor's Note: The original story that ran in the June 13 issue of The Daily News contained inaccurate building permit data. The story has been corrected and appears below. The Daily News regrets the error.

34. Hopping to It -

Its tagline is Hop On, Tune In and Rock Out. That’s a bite-sized description of what the new Memphis Hop bus service that launched earlier this month, with the goal of whisking Memphians and tourists to several local cultural attractions, is all about.

35. Retail Lab Franchise Sees Business Boom -

As insurance plans transfer more costs of procedures like lab work onto the consumer, entrepreneurs like Andrew Rock are seeing a growing niche.

36. US Medicine Spending Shows Rare Dip in 2012 -

TRENTON, N.J. (AP) – Spending on prescription medicines in the U.S. fell for the first time in decades last year, slipping as cash-strapped consumers continued to cut back on use of health care services.

37. Riding the Rails -

By some estimates, America’s railroad companies are in the midst of the largest investment boom since the Gilded Age – when America’s railroad track mileage tripled between 1860 and 1880.

This year, North American’s freight railroads plan to invest $24.5 billion in intermodal terminals, new track, bridges and tunnels, safety equipment and rail cars, according to the Association of American Railroads.

38. Health Care Decisions -

In the past four years, the health care premiums Courtney Liebenrood Ellett has paid for her 12 employees have risen about 70 percent.

Liebenrood Ellett, the founder and principal at Obsidian Public Relations in Memphis, has paid 100 percent of her employees’ premiums since 2009.

39. Haslam Announces Higher Ed Goal -

Republican Gov. Bill Haslam says he wants to set Tennessee on a path toward boosting college graduation rates from 32 percent to 55 percent by 2025.

Haslam said in a release Tuesday that he has appointed Randy Boyd, chairman of wireless pet fence maker Radio Systems Corp., to help further that goal as his top higher education adviser.

40. Traffic Club Welcomes Witt to Kick Off Centennial Year -

The Traffic Club of Memphis kicked off the new year by welcoming Marshall Witt, senior vice president of finance for FedEx Freight, as the guest speaker at its monthly luncheon, held earlier this week at The Racquet Club of Memphis.

41. Degrees of Difficulty -

Leaders of the city’s five higher education institutions say they are all grappling with the issue of relevance in a changing world and economy as they compete for students with missions that make them different from one another.

42. Olive Garden Owner Shifts Course to Focus on Deals -

NEW YORK (AP) – After new ad campaigns touting the quality of its food failed to spark sales, the parent company of Olive Garden and Red Lobster is retooling its strategy to attract diners with more promotional deals.

43. J.D. Byrider Brings First Franchise To Memphis -

The nation’s largest used car franchise company has entered the Memphis market. Carmel, Ind.-based J.D. Byrider has inked 30,900 square feet at 2580 Mount Moriah Road, marking the company’s second Tennessee dealership.

44. Home Sales Highest Since 2010 -

WASHINGTON (AP) – A jump in sales of previously occupied homes and further gains in home construction suggest the U.S. housing recovery is gaining momentum.

Sales of previously occupied homes rose 7.8 percent in August from July to a seasonally adjusted annual rate of 4.82 million, the National Association of Realtors said Wednesday. That’s the highest level since May 2010, when sales were aided by a federal home-buying tax credit.

45. Local Mortgage Market Up 22 Percent -

It’s been an old story for several quarters – for a few years now, in fact: Rates are low, and homebuyers keep tiptoeing back into the market.

That’s especially liable to be the case going forward, in light of the Federal Reserve’s steps last week to keep interest rates low for an indefinite period of time. Indeed, the local mortgage market continues to feel the effects of those low rates.

46. Chandler Seminar Pinpoints Real Estate Positives -

Shelby County Trustee David Lenoir went out on a limb Thursday, Aug. 9, at real estate information company Chandler Reports’ “Master Your Market: Second Quarter Update,” claiming that the housing market had bottomed out.

47. Carmakers Report Strong June Sales, Easing Worries -

DETROIT (AP) – From mini cars to monster pickups, sales of vehicles charged higher in June and eased concerns that Americans would be turned off by slower hiring and other scary headlines.

48. Reaction: Coverage for Most, Scramble for States -

WASHINGTON (AP) – The Supreme Court settled the legal argument over health care Thursday. Now people in the United States will find out if President Barack Obama’s overhaul can work as advertised to provide coverage to millions of uninsured while also keeping costs in check.

49. Consider Buying Your First Home -

Ray’s Take I’ve long believed the economic benefits of home ownership are overrated and renting is under-appreciated. However, for some first-time homebuyers the math has started to turn and they may find it less expensive to buy a home than rent!

50. Calif. Firm Finds Niche With ‘Premium Properties’ -

Investment firms nationwide are snatching up single-family real estate-owned (REO) properties, renovating and renting them, and then selling them to other investors.

This “house flipping” is seen as especially opportunistic in Memphis, where median asking prices are dwarfed by national averages and vacancies are widespread.

51. Mortgages Up 10 Pct. in April -

T.S. Eliot described April as “the cruelest month” in his classic poem “The Waste Land” – but for Shelby County’s mortgage market, April turned out to be a bit more positive than that.

52. MAAR to Participate in Open House Weekend -

Memphis Area Association of Realtors has teamed up with Realtor associations across the country for the Nationwide Open House Weekend from Saturday, April 28 through Sunday, April 29.

The purpose of the open house weekend is to encourage prospective homebuyers to discover the quality and affordability of homes in the Memphis market. This is the third year for the event and it has proven popular with consumers and Realtors.

53. Recovery Threatened by Runaway Student Loan Debt -

WASHINGTON (AP) – The federal student loan program seemed like a great idea back in 1965: Borrow to go to college now, pay it back later when you have a job.

But many borrowers these days are close to flunking out, tripped up by painful real-life lessons in math and economics.

54. Average Rate on 30-Year Mortgage Dips to 3.88 Pct. -

WASHINGTON (AP) – Fixed mortgage remain a bargain at the start of the spring-buying season: The average rate on the 30-year mortgage dipped this week, while the 15-year loan fell to a new record low.

55. In a Word -

A WORD ABOUT MEMPHIS. THREE, IN FACT. I’m paraphrasing a bit, but this was the gist of what they were asked:

What matters most to our city’s future?

What do we promote to bring your friends here?

56. Haslam: Patronage Threat Doesn’t Match Realities -

Political patronage is not the threat to state employees that it once was because state government is bigger and has a broader scope of services, Tennessee Gov. Bill Haslam says.

Haslam has been making the point as he tours the state to push priorities launched last month in his State of the State address.

57. Is Bull Market in Store For New Year? -

Predicting 2012 According to Wall Street strategists, the S&P 500 will close somewhere between 1167, for a loss of 7 percent, and 1500, for a gain of 19 percent. Assuming earnings approximate $100 for the S&P 500, then applying a simple market P/E multiple tells you where we should be by year-end. If we feel no different than we did at the end of 2011, then the S&P 500 should finish at 1272 for a 1 percent gain.

58. Biz Community Still Seeking Stable Ground -

Small business in 2011 was a mixed bag of serious market hurdles and fresh opportunities for innovation, depending on who you ask.

Many small businesses struggled to navigate a lackluster economy in which millions remained jobless and the outlook for consumer confidence and companies’ confidence in hiring and investing remained generally bleak.

59. Survey: Home Prices Down in Most Major US Cities -

WASHINGTON (AP) – U.S. home prices are falling again in most major cities after posting small gains over the summer and spring. The report suggests the troubled housing market remains weak and won't recover any time soon.

60. Cultural Connection -

It’s impossible to deny Western society’s fascination with India.

The interest in Indian culture is evident in the popularity of films such as “Bend it Like Beckham” and “Slumdog Millionaire,” and in literary works such as Arundhati Roy’s Booker Prize-winning “The God of Small Things” and Jhumpa Lahiri’s Pulitzer Prize-winning “Interpreter of Maladies.”

61. Event Spotlights Growing India-Memphis Relationship -

The purchasing power of India’s growing middle class has American businesses racing to expand into that nation, and on Tuesday, Nov. 1, Memphis Bioworks Business Association hosted an event offering local bioscience and related companies insight into the tools and information they need to develop a presence in a market that’s moving from exporting to importing.

62. Miss. College Costs Below US Average -

JACKSON, Miss. (AP) — The cost of college continues to escalate in Mississippi.

Students at four-year public institutions nationwide are paying an average of more than $8,000 this year for tuition and fees — more than ever, according to a College Board report released Wednesday. That's up 8.3 percent or $631 from last year.

63. 30-Year Mortgage Below 4 Pct. for First Time Ever -

WASHINGTON (AP) – The average rate on the 30-year fixed mortgage this week fell below 4 percent for the first time ever, to 3.94 percent.

For those who can qualify, it's an extraordinary opportunity to buy a home or refinance.

64. Outer County Homes Appeal to Variety Of Buyers -

For the past decade or so, many homebuyers have settled outside the Shelby County limits, flocking to outlying counties such as DeSoto, Tipton and Fayette.

Driving factors run the gamut from better schools to lower taxes to rural appeal. Lisa Farmer, agent with RE/MAX On Track who specializes in DeSoto County, said it all comes down to a matter of preference.

65. Federal Officials Release College Cost Comparisons -

Looking for a college bargain? Try any of nine University of Puerto Rico campuses, where annual tuition hovers at or below $2,000.

Counting pennies? Avoid Bates College in Lewiston, Maine, a private school where tuition, fees and room and board exceeds $50,000, making it one of the five most expensive schools on a new U.S. Department of Education guide to college costs.

66. May Home Sales Drop 13 Percent -

While May is traditionally thought of as the kickoff to homebuying season, last month’s sales total was down 13 percent from May 2010, proof that the depressed housing market has a way to go before full recovery.

67. MAAR to Participate in Realtor Open House -

The Memphis Area Association of Realtors has teamed up with Realtor associations across the country for the Nationwide Open House Weekend Saturday, June 4, and Sunday, June 5.

The purpose of the open house weekend is to encourage prospective homebuyers to discover the quality and affordability of homes in the Memphis market. This is the second annual National Open House Weekend.

68. MobileCamp Provides Smartphone Conference -

MobileCamp Memphis is one conference where you won’t be asked to turn off or put away your phone.

Mobile geeks are invited to participate in a full day of discussions about applications, carriers, devices, location-based services, future developments, social media, strategies and quick-response codes during the event, which takes place Saturday from 8 a.m. to 5 p.m. at EmergeMemphis, 516 Tennessee St.

69. Mueller Reports Boost In Net Income -

Memphis-based Mueller Industries Inc. Tuesday reported first quarter 2011 net income of $40.6 million, more than $6 million more than the same quarter of 2010.

70. Memphis Remains a Hot Commodity -

Almost daily, we see evidence that reconfirms Memphis’ position as “America’s Distribution Center.” Cotton merchants are leasing and buying affordable warehouse space in one of only a few cities certified by national commodity organizations. Major manufacturers like Electrolux and Mitsubishi have found the market offers the right combination of incentives, trained labor pool, affordability, available land, and multimodal transportation here.

71. Local Office Latest Proof Of M&P’s Growth Mode -

Merchants & Planters Bank has something in common with a few of its local lending peers like BankTennessee and Evolve Bank & Trust.

72. Memphis Businesses Learn to Ride ‘Mobile Wave’ -

A cross-section of the Memphis business community that included professionals from the financial, home services, marketing, medical, real estate and information technology industries gathered Friday at Comprehensive Pharmacy Services, 6409 Quail Hollow Road, for a conference called “Preparing for the Mobile Wave.”

73. Forbes: Memphis Near Top for Retirement Bargains -

In the past Memphis has been named in top 10 lists for murder, obesity, lack of education and lower standards of women’s health.

But the latest top 10 ranking has the city smiling all the way to grandma’s house.

74. Biofuel Firms Seek New Life Amid Changes -

While the Mississippi Delta region is considered a centerpiece of agricultural diversity and productivity in the southern U.S – distinguished by a variety of soil types, favorable climate and fairly long growing season – the biofuels industry must become viable to take advantage of the area’s assets.

75. XX Factor -

While the real estate market has yet to see an uptick in recent times, one demographic is steadily moving its way up the sales ladder.

More and more single females are making the decision to purchase a home.

76. Cupcake Economics -

The products have names like Prozac, Pucker Up and Pumpkin Dream Supreme.

Their presentation ranges from the simple, with a basic swirl of frosting on top, to the lavish, with multiple layers of cookies, chocolate and candy.

77. Mortgage Rates Sink to Lowest Level on Record -

WASHINGTON (AP) – Mortgage rates fell this week to the lowest level on record, giving consumers added incentive to lock in low payments for home purchases and refinanced loans.

The average rate for 30-year fixed loans sank to 4.69 percent, from 4.75 percent last week, mortgage company Freddie Mac said Thursday.

78. Mortgage Rates Sink to Lowest Level on Record -

WASHINGTON (AP) – Mortgage rates fell this week to the lowest level on record, giving consumers added incentive to lock in low payments for home purchases and refinanced loans.

The average rate for 30-year fixed loans sank to 4.69 percent, from 4.75 percent last week, mortgage company Freddie Mac said Thursday.

79. Pfizer to Trim 6,000 Jobs, Shut 8 Plants Worldwide -

NEW YORK (AP) - Pfizer Inc. reported Tuesday it will cut 6,000 jobs as it trims manufacturing capacity for health care products worldwide after acquiring smaller rival Wyeth last year.

80. SEC Seeks Tighter Rules on Asset-Backed Securities -

WASHINGTON (AP) - Federal regulators proposed new, stricter rules Wednesday for asset-backed securities, the bundles of loans that helped spark the market's collapse in 2008 and nearly brought down the financial system.

81. Homebuyers Scramble as Mortgage Rates Jump -

WASHINGTON (AP) - The era of record-low mortgage rates is over.

The average rate on a 30-year loan has jumped from about 5 percent to more than 5.3 percent in just the past week. As mortgages get more expensive, more would-be homeowners are priced out of the market – a threat to the fragile recovery in the housing market.

82. Memphis Ranks First For Auto Repairs -

Memphis has ranked first in a study that analyzes how the 50 most populated U.S. cities compare when customers are provided quotes for auto repairs.

AutoMD.com’s “Advocacy Repair Shop Fairness Report” rated shops in the three categories of repair affordability, price disparity and shop integrity, and found Memphis to be the best overall city and Chicago the worst.

83. Obama Meets With GOP -

WASHINGTON (AP) – Appealing for bipartisanship in a town where it's hard to find, President Barack Obama sat down with Democrats and Republicans Tuesday to spur cooperation on job creation, deficit reduction and health care overhaul. He promised to do his part – but warned he would take Republicans to task if they don't do the same.

84. Ministry Buys Apartment Complex With More Evangelizing in Mind -

Richard Hamlet formed Global Ministries Fellowship in 2003 to spread the gospel by addressing critical needs around the world.

The faith-based nonprofit organization, headquartered in Memphis, supports ministry programs that build churches, educate children, combat hunger and perform other humanitarian deeds on five continents.

85. Overton Square Developers Ready for Next Step -

It’s crunch time for the future of Overton Square, the 10-acre Midtown landmark where a new retail development anchored by a big-box grocery store has been proposed.

The square’s owners have agreed to delay for 60 days their official request to begin knocking down several old buildings along Madison Avenue. That demolition would pave the way for a roughly 53,000-square-foot grocery store and several smaller retail buildings.

86. Insurance Industry Assails Health Care Bill -

WASHINGTON (AP) - Insurance companies aren't playing nice any more on the health care overhaul.

The industry put out a report Monday concluding that the Senate's health care legislation would drive up costs to consumers, delivering a dire message at a crucial point in the debate and potentially threatening President Barack Obama's top domestic priority.

87. Mortgage Rates Dip Following Economic Reports -

Rates on 30-year mortgages dipped last week after economic reports came in better than expected, Freddie Mac reported Thursday.

The average rate on a 30-year fixed rate mortgage was 5.22 percent, down from the previous week, when it was 5.25 percent. Last year at this time, the 30-year fixed rate mortgage rate averaged 6.52 percent.

88. Mortgage Numbers Up Since June -

One year ago, Tupelo, Miss.-based Renasant Bank had two employees working in its local mortgage division. Today, it has nine. And that 450 percent boost in staffing yielded one of Shelby County’s most impressive increases in lending activity last month.

89. Critical Need for Affordable Senior Housing -

The Bart Harvey is just a building, but it rescued Felicity Morrison from a homeless shelter.

Morrison, 63, lived in a Seattle shelter for a year after losing her job and being evicted. It was a place full of unsavory characters and no privacy – a "hell on Earth," Morrison calls it.

90. Democrats Try to Regain Health Care Momentum -

WASHINGTON (AP) - Trying to regain momentum on a core issue of Barack Obama's presidency, House Democrats on Friday unveiled legislation they said would cover virtually all the nearly 50 million uninsured Americans.

91. Massey Keeps Tabs on Industrial Incentives -

Joann Massey started her new job just six months ago, but within that short time frame she has been a key player on a team that has made Memphis a better competitor for new jobs.

92. Vesta Home Show to Kick Off in Arlington Today -

This year’s Vesta Home Show will achieve a couple of “firsts” – the first show in Arlington and the first to feature all “green” homes.

The eight-home show, set for the fall, kicks off today with a groundbreaking ceremony at 10 a.m. at the Villages of White Oak, a $24 million, 326-acre, 700-home development just north of Interstate 40 near the Shelby-Fayette county line.

93. Freddie Mac Seeks $6.1B in US Aid after Loss -

WASHINGTON (AP) - Mortgage giant Freddie Mac is looking for $6.1 billion in additional government aid as the cost to taxpayers from the housing market bust keeps growing.

The McLean, Virginia-based company, seized by federal regulators in September, on Tuesday posted a loss of $9.9 billion, or $3.14 per share, for the quarter ending March 31. That compared with a loss of $149 million, or 66 cents a share, in the year-ago period.

94. Uninsured Haven’t Shown Collective Power -

WASHINGTON (AP) – If the uninsured were a political lobbying group, they’d have more members than AARP. The National Mall couldn’t hold them if they decided to march on Washington.

But going without health insurance is still seen as a personal issue, a misfortune for many and a choice for some. People who lose coverage often struggle alone instead of turning their frustration into political action.

95. US Existing Home Sales Up 5.1% in February -

Sales of previously occupied U.S. homes jumped unexpectedly in February by the largest amount in nearly six years as first-time buyers took advantage of deep discounts on foreclosures and other distressed properties.

96. Year of ‘Havoc’ For Residential Real Estate -

The housing market is in desperate need of a shot in the arm, but only time will tell if the $787 billion economic stimulus bill signed into law this week by President Barack Obama will have a positive impact on real estate.

97. Pending Home Sales Post 6.3 Percent Increase -

An index that tracks signed contracts to purchase existing homes rebounded in December, as buyers snapped up properties at deep discounts, especially in the South and Midwest.

It was the second positive sign in the past two weeks for the troubled U.S. housing market, and may indicate that a bottom is forming – at least for home sales. Analysts, however, caution that prices are likely to keep falling through 2009, and say the outlook for home sales is highly uncertain, especially as layoffs mount.

98. College of Art Buys Area Homes -

Renowned for training artists at its Overton Park campus, the Memphis College of Art recently has shown a flair for acquiring properties that will aid in its mission.

The college has spent $1.4 million on five Midtown single-family and multifamily properties in the past few months, according to The Daily News Online, www.memphisdailynews.com, quickly giving MCA more space – about 16,000 square feet – and more flexibility for its growing housing needs.

99. Rhodes Among Best ValuesIn Private Colleges, Mag Says -      Kiplinger Personal Finance magazine has recognized Rhodes College as one of the "100 Best Values in Private Colleges" for the second consecutive year.
     Rhodes ranks No. 48 among the liber

100. Fitch Predicts Housing Slump to Extend Through '08, Could Worsen -

NEW YORK (AP) - The housing slump is likely to continue through 2008 and could deepen if credit conditions don't improve and mortgage rates increase, according to a Fitch Ratings report released late last week.