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Editorial Results (free)

1. Sharpe, HealthNet Find Success in Changing Industry -

As banking has changed in recent years, it’s caused consumers to take another look at the conventional wisdom – including coming to the realization that banking is not limited to, well, banks.

Credit unions tend to be overshadowed by their more traditional brethren, but they generally provide the same services in a way that consumers probably couldn’t even spot the differences between those firms and larger, traditional banks.

2. Senior Americans Burdened With Student Debt -

WASHINGTON (AP) – Rosemary Anderson could be 81 by the time she pays off her student loans. After struggling with divorce, health problems and an underwater home mortgage, the 57-year-old anticipates there could come a day when her Social Security benefits will be docked to make the payments.

3. Seniors and Student Loan Co-Signatures – Should You? -

Ray’s take: Your grandchild has been accepted to his or her college of choice. Great news! But now that the celebration of acceptance is over, it’s time to do a realistic budget and figure out where the money will come from to pay for tuition and all the other expenses associated with attending college.

4. Average US 30-Year Mortgage Rate Holds Steady -

WASHINGTON (AP) – The average 30-year U.S. mortgage rate this week remained at a 52-week low of 4.10 percent for the third straight week.

Mortgage company Freddie Mac also said Thursday the average for a 15-year mortgage, a popular choice for people who are refinancing, slipped to 3.24 percent from 3.25 percent.

5. SEC Adopts Rules on Loan-Backed Securities -

WASHINGTON (AP) – Financial firms that sell securities backed by loans, like the kind that fueled the 2008 financial crisis, will have to give investors details on borrowers' credit record and income under action taken Wednesday by federal regulators.

6. Fannie, Freddie Post Profits in Second Quarter -

WASHINGTON (AP) – Government-controlled mortgage companies Fannie Mae and Freddie Mac posted profits for the April-June period as the U.S. housing market continued to recover. Gains in recent years have enabled them to fully repay their government aid after being rescued during the financial crisis in 2008.

7. Average US 30-Year Mortgage Rate at 4.12 Percent -

WASHINGTON (AP) — Average U.S. mortgage rates declined slightly this week, hovering near their lows for the year.

Mortgage company Freddie Mac said Thursday that the nationwide average for a 30-year loan slipped to 4.12 percent from 4.13 percent last week. The average for the 15-year mortgage, a popular choice for people who are refinancing, declined to 3.23 percent from 3.26 percent last week.

8. Study: 35 Percent in US Face Debt Collectors -

WASHINGTON (AP) — More than 35 percent of Americans have debts and unpaid bills that have been reported to collection agencies, according to a study released Tuesday by the Urban Institute.

9. Average US 30-Year Mortgage Rate at 4.13 Percent -

WASHINGTON (AP) – Average U.S. long-term mortgage rates were stable to slightly higher this week, remaining near their lows for the year.

Mortgage company Freddie Mac said Thursday that the nationwide average for a 30-year loan was 4.13 percent, unchanged from last week. The average for the 15-year mortgage, a popular choice for people who are refinancing, edged up to 3.26 percent from 3.23 percent last week.

10. 30-Year Mortgage Rate Falls to 4.14 Percent -

Average U.S. rates on fixed mortgages declined this week, hovering near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate for a 30-year loan eased to 4.14 percent from 4.17 percent last week. The average for the 15-year mortgage fell to 3.22 percent from 3.30 percent.

11. Obama Aims to Put Human Face on Economic Struggles -

MINNEAPOLIS (AP) – President Barack Obama said Thursday that Washington needs to stop "playing to the most fringe elements of politics" and help Americans who are fighting to make ends meet, as he spent an afternoon with a working mother who wrote to him about her struggles.

12. 30-Year Mortgage Rate Falls to 4.14 Percent -

Average U.S. rates on fixed mortgages declined this week, hovering near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate for a 30-year loan eased to 4.14 percent from 4.17 percent last week. The average for the 15-year mortgage fell to 3.22 percent from 3.30 percent.

13. Average US 30-Year Mortgage Rate at 4.17 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages eased slightly this week, remaining near historic lows.

Mortgage buyer Freddie Mac said Thursday the average rate for a 30-year loan declined to 4.17 percent from 4.20 percent last week. The average for the 15-year mortgage dipped to 3.30 percent from 3.31 percent.

14. 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.

15. 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.

16. 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.

17. Fannie, Freddie Post Solid Earnings for First Quarter -

WASHINGTON (AP) – Government-controlled mortgage financers Fannie Mae and Freddie Mac posted solid earnings for the January-March period as the U.S. housing market continued to recover. Gains over recent quarters have enabled the companies to fully repay their taxpayer aid after being rescued by the government in 2008.

18. US Consumer Borrowing Rose $17.5 Billion in March -

WASHINGTON (AP) – Consumers increased their borrowing in March by the largest amount in more than a year, using their credit cards and taking out more auto and student loans.

Consumer borrowing increased $17.5 billion in March, up from a gain of $13 billion in February, the Federal Reserve reported Wednesday. It was the biggest monthly increase since a $19.3 billion advance in February 2013.

19. First Horizon Settles Federal Litigation -

Memphis-based First Horizon National Corp. has reached a litigation settlement agreement with the Federal Housing Finance Agency, as conservator for the Federal National Mortgage Association, also known as Fannie Mae, and the Federal Home Loan Mortgage Corp., also known as Freddie Mac.

20. 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.

21. First Horizon Settles Federal Litigation -

Memphis-based First Horizon National Corp. has reached a litigation settlement agreement with the Federal Housing Finance Agency, as conservator for the Federal National Mortgage Association, also known as Fannie Mae, and the Federal Home Loan Mortgage Corp., also known as Freddie Mac.

22. AP Survey: China's Lending Bubble a Global Threat -

WASHINGTON (AP) — Just as the global economy has all but recovered from debt-fueled crises in the United States and Europe, economists have a new worry: China. They see a lending bubble there that threatens global growth unless Beijing defuses it.

23. Fed Likely to Reiterate Flexible Policy on Rates -

WASHINGTON (AP) — In her first weeks as Federal Reserve chair, Janet Yellen has made one thing clear: The Fed will keep all options open in deciding when to raise interest rates from record lows.

24. 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.

25. Average US 30-Year Mortgage Rate Down to 4.34 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages declined this week, edging closer to historically low levels as the spring home-buying season begins.

Mortgage buyer Freddie Mac said Thursday that the average rate for the 30-year loan fell to 4.34 percent from 4.41 percent last week. The average for the 15-year mortgage eased to 3.38 percent from 3.47 percent.

26. US Consumer Borrowing Up $16.5 Billion in February -

WASHINGTON (AP) – Consumers increased their borrowing in February on autos and student loans by the largest amount in a year. But for a second straight month, they cut back on their credit card use.

27. Yellen: Job Market Needs Low Rates 'For Some Time' -

WASHINGTON (AP) – Federal Reserve Chair Janet Yellen made clear Monday that she thinks the still-subpar U.S. job market will continue to need the help of low interest rates "for some time."

28. US Consumer Borrowing Up $13.7 Billion in January -

WASHINGTON (AP) – Consumers increased their borrowing in January on autos and student loans but cut back on their credit card use.

Consumer borrowing rose $13.7 billion in January following an even larger $15.9 billion rise in December, the Federal Reserve reported Friday.

29. Blast of Winter Weather Can't Faze US Employers -

WASHINGTON (AP) – Brutal winter weather snarled traffic, canceled flights and cut power to homes and factories in February. Yet it didn't faze U.S. employers, who added 175,000 jobs, far more than the two previous months.

30. Average US 30-Year Mortgage Rate Slips to 4.28 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell after three weeks of increases, edging closer to historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate for the 30-year loan declined to 4.28 percent from 4.37 percent last week. The average for the 15-year mortgage fell to 3.32 percent from 3.39 percent.

31. Estimated Q4 Economic Growth Rate Cut to 2.4 Percent -

WASHINGTON (AP) – The U.S. economy grew at a 2.4 percent annual rate last quarter, sharply less than first thought, in part because consumers didn't spend as much as initially estimated.

32. Hopes Up for Sunnier US Economy Once Winter Fades -

WASHINGTON (AP) – When the weather warms up, so, too, will the U.S. economy.

That, at least, is the prevailing view of economists, who shrugged off a government report Friday that the economy was weaker last quarter than first thought.

33. Fed: Memphis Banks Improved in 2013 -

Memphis banks ended 2013 in somewhat better shape collectively than they stood at the end of 2012, based on new numbers from the Federal Reserve Bank of St. Louis.

34. US Bank Earnings Rise 17 Percent -

U.S. banks’ earnings rose 17 percent in the October-December quarter from a year earlier, as losses on loans fell to a seven-year low and banks set aside less to cover losses as well as legal costs.

35. 30-Year Mortgage Rate Up to 4.37 Percent -

Average U.S. rates on fixed mortgages rose for a third straight week as new data showed a surprisingly strong pace of new-home sales last month. Rates still remain near historically low levels.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan increased to 4.37 percent from 4.33 percent last week. The average for the 15-year mortgage rose to 3.39 percent from 3.35 percent.

36. 30-Year Mortgage Rate Up to 4.37 Percent -

Average U.S. rates on fixed mortgages rose for a third straight week as new data showed a surprisingly strong pace of new-home sales last month. Rates still remain near historically low levels.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan increased to 4.37 percent from 4.33 percent last week. The average for the 15-year mortgage rose to 3.39 percent from 3.35 percent.

37. US Bank Earnings Rise 17 Percent -

U.S. banks' earnings rose 17 percent in the October-December quarter from a year earlier, as losses on loans fell to a seven-year low and banks set aside less to cover losses as well as legal costs.

38. Complaint Alleges Deutsche Bank Discrimination -

Deutsche Bank allegedly discriminated against minority neighborhoods in the Memphis area in the way it handled bank-owned properties, according to a complaint filed with the federal government.

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

WASHINGTON (AP) – Average U.S. rates on fixed mortgages rose this week but remained near historically low levels.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan increased to 4.33 percent from 4.28 percent last week. The average for the 15-year mortgage edged up to 3.35 percent from 3.33 percent.

40. 30-Year Mortgage Rate Averaging 4.28 Percent -

The average U.S. rate on a 30-year fixed mortgage edged up this week to 4.28 percent from 4.23 percent but remains near historically low levels after declining during the five previous weeks.

Mortgage buyer Freddie Mac said Thursday that the average for the 15-year loan was unchanged at 3.33 percent.

41. 30-Year Mortgage Rate Averaging 4.28 Percent -

The average U.S. rate on a 30-year fixed mortgage edged up this week to 4.28 percent from 4.23 percent but remains near historically low levels after declining during the five previous weeks.

Mortgage buyer Freddie Mac said Thursday that the average for the 15-year loan was unchanged at 3.33 percent.

42. Bell Joins First State Bank as Commercial Loan Officer -

Jonathan Bell has joined First State Bank as vice president/commercial loan officer. Bell, who has more than 13 years of experience in the banking industry, will provide banking services for businesses in Collierville and the surrounding area.

43. Average US Rate on 30-Year Loan at 4.32 Percent -

WASHINGTON (AP) – Average U.S. rates for fixed mortgages slipped this week as new data showed a decline in home prices in November and a drop in new homes sales last month.

Mortgage buyer Freddie Mac said Thursday the average for the 30-year loan fell to 4.32 percent from 4.39 percent last week. The average for the 15-year loan eased to 3.40 percent from 3.44 percent.

44. 30-Year Mortgage Rate Averaging 4.39 Percent -

Average U.S. rates for fixed mortgages changed little this week.

Mortgage buyer Freddie Mac said Thursday the average for the 30-year loan declined to 4.39 percent from 4.41 percent last week. The average for the 15-year loan slipped to 3.44 percent from 3.45 percent.

45. 30-Year Mortgage Rate Averaging 4.39 Percent -

Average U.S. rates for fixed mortgages changed little this week.

Mortgage buyer Freddie Mac said Thursday the average for the 30-year loan declined to 4.39 percent from 4.41 percent last week. The average for the 15-year loan slipped to 3.44 percent from 3.45 percent.

46. Higher-Income Americans Hit Hardest by Tax Changes -

WASHINGTON (AP) – Higher-income Americans and some legally married same-sex couples are likely to feel the biggest hits from tax law changes when they file their federal returns in the next few months. Taxpayers also will have a harder time taking medical deductions.

47. 30-Year Mortgage Rate Hovers at 4.51 Percent -

Average U.S. rates for fixed mortgages barely changed this week, hovering near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average for the 30-year loan slipped to 4.51 percent from 4.53 percent last week. The average for the 15-year loan edged up to 3.56 percent from 3.55 percent.

48. 30-Year Mortgage Rate Hovers at 4.51 Percent -

Average U.S. rates for fixed mortgages barely changed this week, hovering near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average for the 30-year loan slipped to 4.51 percent from 4.53 percent last week. The average for the 15-year loan edged up to 3.56 percent from 3.55 percent.

49. US Consumer Borrowing Up $12.3 Billion in November -

WASHINGTON (AP) – Americans increased their borrowing in November, led by continued gains in auto and student loans.

The Federal Reserve said consumers increased their borrowing by $12.3 billion in November to a seasonally adjusted $3.09 trillion. That is a record level and follows an October increase of $17.9 billion.

50. Mississippi Lawmakers Face Long Agenda in 2014 Session -

CLARKSDALE, Miss. (AP) – Mississippi lawmakers start their three-month session at noon Tuesday, and they face a long agenda. They'll write a budget, seek ways to control prison costs, debate education policy and argue about health care.

51. Average Mortgage Rate Rises to 4.53 Percent -

Average U.S. rates for fixed mortgages edged higher this week for the third straight week but remained low by historical standards.

Mortgage buyer Freddie Mac said Thursday that the average for the 30-year loan rose to 4.53 percent from 4.48 percent last week. The average for the 15-year loan increased to 3.55 percent from 3.52 percent.

52. Average Mortgage Rate Rises to 4.53 Percent -

Average U.S. rates for fixed mortgages edged higher this week for the third straight week but remained low by historical standards.

Mortgage buyer Freddie Mac said Thursday that the average for the 30-year loan rose to 4.53 percent from 4.48 percent last week. The average for the 15-year loan increased to 3.55 percent from 3.52 percent.

53. 30-Year Mortgage Rate Rises to 4.48 Percent -

Average U.S. rates for fixed mortgages crept higher this week but remained low by historical standards.

Mortgage buyer Freddie Mac said Thursday that the rate on the 30-year loan increased to 4.48 percent from 4.47 percent last week. The average on the 15-year fixed loan rose to 3.52 percent from 3.51 percent.

54. 30-Year Mortgage Rate Rises to 4.48 Percent -

Average U.S. rates for fixed mortgages crept higher this week but remained low by historical standards.

Mortgage buyer Freddie Mac said Thursday that the rate on the 30-year loan increased to 4.48 percent from 4.47 percent last week. The average on the 15-year fixed loan rose to 3.52 percent from 3.51 percent.

55. US Homebuilder Confidence Surges in December -

U.S. homebuilders' confidence bounced back strongly this month, a sign that construction and industry hiring may pick up in coming months.

The National Association of Home Builders/Wells Fargo builder sentiment index released Tuesday climbed to 58. That was up from 54 in November and matched an eight-year high reached in August. Readings above 50 indicate that more builders view sales conditions as good than poor.

56. Average Mortgage Rate Rises to 4.46 Percent -

Average U.S. rates for fixed mortgages rose sharply this week, making home-buying slightly less affordable.

Mortgage buyer Freddie Mac said Thursday the average rate on the 30-year loan jumped to 4.46 percent from 4.29 percent last week. The average on the 15-year fixed loan increased to 3.47 percent from 3.30 percent.

57. Average Mortgage Rate Rises to 4.46 Percent -

Average U.S. rates for fixed mortgages rose sharply this week, making home-buying slightly less affordable.

Mortgage buyer Freddie Mac said Thursday the average rate on the 30-year loan jumped to 4.46 percent from 4.29 percent last week. The average on the 15-year fixed loan increased to 3.47 percent from 3.30 percent.

58. Average Mortgage Rate Rises to 4.29 Percent -

Average U.S. mortgage rates rose modestly this week, a move that makes home-buying a bit less affordable. Still, rates remain near historically low levels.

Mortgage buyer Freddie Mac says the average rate on the 30-year loan increased to 4.29 percent from 4.22 percent last week. The average on the 15-year fixed ticked up to 3.3 percent from 3.27 percent.

59. Average Mortgage Rate Drops to 4.22 Percent -

Average U.S. rates on fixed mortgages declined this week after two weeks of increases, keeping home-buying affordable.

Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan fell to 4.22 percent from to 4.35 percent last week. The average on the 15-year fixed mortgage dipped to 3.27 percent from 3.35 percent.

60. Average Mortgage Rate Drops to 4.22 Percent -

Average U.S. rates on fixed mortgages declined this week after two weeks of increases, keeping home-buying affordable.

Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan fell to 4.22 percent from to 4.35 percent last week. The average on the 15-year fixed mortgage dipped to 3.27 percent from 3.35 percent.

61. US Existing Home Sales Fall 3.2 Percent in October -

WASHINGTON (AP) – Fewer Americans bought existing homes in October, as higher mortgage rates, the 16-day partial government shutdown and a limited supply of houses on the market reduced sales.

62. Council Approves Wastewater Fix Funding -

The Memphis City Council approved $24.8 million in funding Tuesday, Nov. 5, to rehabilitate the city’s wastewater collection system to meet terms of a consent decree with the U.S. Environmental Protection Agency.

63. 30-Year Mortgage Rate Averages 4.16 Percent -

Average U.S. rates on fixed mortgages rose slightly last week but remained near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan increased to 4.16 percent from 4.10 percent last week, which was the lowest level in four months. The average on the 15-year fixed mortgage rose to 3.27 percent from 3.20 percent.

64. Fannie, Freddie Post Strong Earnings for Third Quarter -

WASHINGTON (AP) – Fannie Mae and Freddie Mac posted strong earnings for the July-September period as the housing market continued to recover. The gains will enable the mortgage giants to finish repaying their taxpayer aid or come close to doing so five years after they were rescued by the government.

65. 30-Year Mortgage Rate Averages 4.16 Percent -

Average U.S. rates on fixed mortgages rose slightly last week but remained near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan increased to 4.16 percent from 4.10 percent last week, which was the lowest level in four months. The average on the 15-year fixed mortgage rose to 3.27 percent from 3.20 percent.

66. Council Approves Wastewater Fix Funding -

The Memphis City Council approved $24.8 million in funding Tuesday, Nov. 5, to rehabilitate the city’s wastewater collection system to meet terms of a consent decree with the U.S. Environmental Protection Agency.

67. Council Keeps Southbrook Mall Renovation Alive -

Memphis City Council members voted Tuesday, Nov. 5, to start over again in plans to find a legal use for city funds in renovating the Southbrook Mall in Whitehaven.

And the administration of Memphis Mayor A C Wharton Jr. gave a qualified endorsement through what amounts to a new feasibility study on the mall due before the council in a month.

68. Beale Street Deal Would Pay Handy Park Debt -

The settlement of the last remaining item in the bankruptcy petition of Beale Street developer Performa Entertainment hasn’t gone by any of the scripts the administration of Memphis Mayor A C Wharton Jr. has written and rewritten.

69. Memphis Housing Market Waiting for Shutdown Impact -

The shutdown of the U.S government has had a minimal impact on the local housing market so far, but that could change if the shutdown stretches on for a week or more.

Homebuyers in the process of acquiring a house could be delayed while lenders are blocked from key actions like confirming Social Security numbers and accessing IRS tax records.

70. Average 30-Year Mortage Rate Drops to 4.22 Percent -

Average U.S. rates on fixed mortgages fell for the third straight week to their lowest point in three months, as a decline in consumer confidence and the onset of the government shutdown forced rates down.

71. Average 30-Year Mortage Rate Drops to 4.22 Percent -

Average U.S. rates on fixed mortgages fell for the third straight week to their lowest point in three months, as a decline in consumer confidence and the onset of the government shutdown forced rates down.

72. FHA to Draw $1.7 Billion From Treasury to Cover Losses -

WASHINGTON (AP) – A federal housing agency said Friday it needs a $1.7 billion bailout from the Treasury to cover projected losses in its reverse mortgage programs which allow seniors to borrow against their homes for everyday living expenses.

73. Muddled US Jobs Picture to Weigh on Fed Decision -

WASHINGTON (AP) – Employers are sketching a hazy picture of the U.S. job market for the Federal Reserve to weigh in deciding this month whether to reduce its stimulus for the economy – and, if so, by how much.

74. US Banks Earn Record $42.2 Billion in 2nd Quarter -

WASHINGTON (AP) – U.S. banks earned more from April through June than during any quarter on record, aided by a steep drop in losses from bad loans.

The Federal Deposit Insurance Corp. says the banking industry earned $42.2 billion in the second quarter, up 23 percent from the second quarter of 2012. About 54 percent of U.S. banks reported improved earnings from a year earlier.

75. Events -

BlackGirlsCODE will host a mobile-app development workshop for girls ages 13 to 17 Saturday, Aug. 24, from 10 a.m. to 4 p.m. at the Benjamin L. Hooks Central Library, 3030 Poplar Ave. The event will also feature tech chats with women mobile developers. Cost is $35. Visit blackgirlscode.com.

76. Memphis Banks Show Broad Improvement -

Banking in Memphis is in the midst of a rebound, judging by the latest numbers from the Federal Reserve Bank of St. Louis.

77. US Builders Broke Ground on More Homes in July -

WASHINGTON (AP) – U.S. developers broke ground on homes at a faster pace in July. But the rise was all due to apartment construction, which is typically volatile. By contrast, builders began work on fewer single-family homes – the bulk of the market – and sought fewer permits to build them.

78. Average Rate on 30-Year US Mortgage Stays 4.4 Percent -

WASHINGTON (AP) – Average rates on U.S. long-term fixed mortgages remained steady for a second straight week, giving prospective home buyers more time to lock in historically low levels.

79. Fannie Mae Posts $10.1 Billion Second-Quarter Net Income -

WASHINGTON (AP) – Mortgage giant Fannie Mae earned $10.1 billion in the second quarter, aided by the recovery in the housing market. The government-controlled company has turned a profit in each of the past six quarters.

80. US Consumer Borrowing Rose $13.8 Billion in June -

WASHINGTON (AP) – Americans borrowed more in June to buy cars and attend schools. But they were frugal again with their credit cards, indicating many remain wary of taking on high-interest debt.

81. Average Rate on 30-Year Loan Up to 4.39 Percent -

Average rates on U.S. fixed mortgages ticked up this week but are still low by historical standards, a trend that has helped the housing market recover.

Mortgage buyer Freddie Mac said Thursday that the average on the 30-year loan rose to 4.39 percent from 4.31 percent last week. Rates are a full percentage point higher than in early May.

82. Average Rate on 30-Year Loan Rises to 4.39 Percent -

Average rates on U.S. fixed mortgages ticked up this week but are still low by historical standards, a trend that has helped the housing market recover.

Mortgage buyer Freddie Mac said Thursday that the average on the 30-year loan rose to 4.39 percent from 4.31 percent last week.

83. Report: Economic Concerns Drive College Choices -

WASHINGTON (AP) – College costs are driving decisions about which schools to attend, what to study and even where to live, according to a report from loan giant Sallie Mae.

Parents no longer foot the largest portion of the bill, according to the lender's annual survey. That role goes to grants and scholarships, with student loans coming in third.

84. Lower Costs Help Lift Wells Fargo's Second-Quarter Profit -

Lower expenses and fewer bad loans helped lift Wells Fargo's second-quarter profit by 20 percent, the company reported Friday.

The cost-cutting and improved loan quality helped the nation's biggest U.S. mortgage lender overcome meager revenue growth.

85. US Consumer Borrowing Up as Credit Card Use Rises -

WASHINGTON (AP) – Americans increased their borrowing in May at the fastest pace in a year. Borrowing in the category that includes credit cards reached its highest point since the fall of 2010.

86. US Rate on 30-Year Mortgage Falls to 4.29 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell this week after last week's surge. The declines could prompt homebuyers to act quickly before rates rise further.

Freddie Mac said Wednesday that the average on the 30-year loan dropped to 4.29 percent. That's down from 4.46 percent last week, the highest in two years and a full point more than a month ago.

87. Reports Reflect Fed's Message of Stronger Economy -

WASHINGTON (AP) – The U.S. housing recovery is strengthening. Factories are fielding more orders. And Americans' confidence in the economy has reached its highest point in 5.5 years.

That brightening picture, captured in four reports Tuesday, suggests that the economy could accelerate in the second half of the year. It underscores the message last week from the Federal Reserve, which plans to slow its bond-buying program this year and end it next year if the economy continues to strengthen. The Fed's bond purchases have helped keep long-term interest rates low.

88. US Consumer Borrowing Up $11.1 Billion in April -

WASHINGTON (AP) – Americans borrowed more in April to attend college and buy cars and were a little less cautious with their credit cards than the previous month.

The Federal Reserve said Friday that consumer borrowing rose $11.1 billion in April from March to a seasonally adjusted $2.82 trillion. That's the 20th straight monthly gain and another record level.

89. Average Rate on 15-Year US Mortgage Above 3 Percent -

WASHINGTON (AP) – The average U.S. rate on a 15-year fixed mortgage rose above 3 percent this week for the first time in a year, while the rate on the 30-year fixed loan approached 4 percent.

90. AP Survey: Economists See No Stock Market Bubble -

WASHINGTON (AP) – A debate is raging among investors and analysts: Has the Federal Reserve inflated a stock market bubble by driving interest rates to record lows?

The answer, according to economists surveyed by The Associated Press: No.

91. US Rate on 30-Year Mortgage Rises to 3.81 Percent -

WASHINGTON (AP) — Average U.S. rates on fixed mortgages jumped this week to their highest levels in a year, signaling slightly higher costs for homebuyers. But rates still remain low by historical standards.

92. Rising Home, Stock Prices Boost US Confidence -

WASHINGTON (AP) — Americans are more confident in the U.S. economy than at any point in the past five years, thanks to surging home values, a brighter job market and record-setting stock prices.

93. Baptist, Community Health Alliance Strike Deal -

West Tennessee residents who purchase health care insurance through Community Health Alliance beginning this fall will be directed to providers at Baptist Memorial Health Care facilities.

The exclusive agreement should be a boon for the Memphis-based Baptist system, which operates 14 hospitals in West Tennessee, North Mississippi and eastern Arkansas. The Baptist network also includes more than 4,000 affiliated physicians, a multi-specialty physician group of more than 450 providers, home, hospice and psychiatric care, and a network of surgery, rehabilitation and outpatient centers.

94. Apple's Cook Faces Senate Questions on Taxes -

WASHINGTON (AP) – The Senate dragged massively profitable Apple Inc. into the debate over the U.S. tax code Tuesday, grilling CEO Tim Cook over allegations that its Irish subsidiaries help the company avoid billions in U.S. taxes.

95. Brighter View on Jobs and Pay Lifts US Confidence -

WASHINGTON (AP) – Americans are more optimistic the job market is healing and will deliver higher pay later this year. That brighter outlook, along with rising home prices, cheaper gasoline and a surging stock market, could offset some of the drag from the recent tax increases and government spending cuts.

96. Priced to Rent -

Local property management companies like Lubin Property Management LLC and Renshaw Property Management are capitalizing on the trend for young potential homebuyers choosing to rent instead of buy.

97. Capital Requirement -

In early April, U.S. Sen. Bob Corker, R-Tenn., joined a handful of other senators in drafting a letter in part about new rules of the road governing bank capital requirements.

That letter was sent to Federal Reserve Gov. Daniel Tarullo, Comptroller of the Currency Thomas Curry and Federal Deposit Insurance Corp. Chairman Martin Gruenberg.

98. Mortgage Activity Slows in February -

Mortgage activity in Shelby County began 2013 by shifting into a higher gear, but someone tapped the brakes in February.

Total mortgage volume countywide had started the year showing double-digit percentage growth over the same period one year earlier. But in February, volume was up just 1 percent over the same month in 2012.

99. Changing Times -

After a four-decade existence, the Morgan Keegan name has been retired.

The announcement Raymond James Financial Inc. is dropping the Morgan Keegan name was made during Raymond James’ first quarter earnings conference call last month. Raymond James CEO Paul Reilly was giving analysts listening to the call an update on the firm’s acquisition of the Memphis investment firm last year and its integration since then.

100. Reconsider Your W-4 Withholding -

Ray’s Take It’s that time of year again. Your mailbox is receiving the annual tax form allotment. In addition to filing your income tax, take time to evaluate your withholding. It might be that you should adjust the deductions on your W-4 form to change the amount withheld from your paychecks.