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Editorial Results (free)

1. $2.4 Million Spent on TV Ads For Ballot Measures -

NASHVILLE, Tenn. (AP) — Supporters and opponents of a proposed amendment to the Tennessee Constitution to give lawmakers more power to regulate abortion are flooding the television airwaves to try to influence voters ahead next month's election.

2. A Gift That Can Give For A Lifetime -

Ray’s Take Every so often, a client calls and asks if I would spend some time with their son or daughter to help them get off on the right foot financially. When they look back on their own early choices, they can see how much a few right decisions, and the avoidance of a few poor ones, would have been worth.

3. Pension Reform Decision Back At Square One -

It happened in the shadow of a change in the pension reform proposal Memphis Mayor A C Wharton Jr. had backed all through the summer and two of three council votes.

As the Memphis City Council got its first formal presentation Tuesday, Oct. 21, of Wharton’s new hybrid pension plan, it settled City Hall’s tumultuous discussion about changes to health insurance coverage for city employees and retirees.

4. Sprouts Farmers Market Applies for Building Permit -

3150 Village Shops Drive
Germantown, TN 38138

Project Cost: $1.5 million

Applied: Oct. 14, 2014

5. Collierville Storage Facility Sells for $3.9 Million -

A California-based owner and operator of self-storage facilities has purchased a Collierville storage facility for $3.9 million.

LifeStorage, through an entity operating as SSTN 651 S. Rowlett Street LLC, acquired the 62,170-square-foot facility at 651 S. Rowlett St. from LottaStorage LLC, according to an Oct. 6 special warranty deed. The Shelby County Assessor of Property’s 2014 appraisal is $2.2 million.

6. Choosing Your Own 401(k) Mix -

Ray’s take: Recently, we talked about Target Date Mutual Funds and how these preset funds could be an effective tool for your retirement. These funds have a particular mix that changes as you approach your projected retirement date. These can be good as long as you have researched the funds and determined if the “mix” meets your unique retirement goals.

7. Plans for Lakeland Prep Start to Move -

Some of the six suburban school systems were already looking ahead to building new schools before they opened for their inaugural year this past August.

This week, the Lakeland Board of Commissioners became the first of the suburban governments to move toward financing new school construction for what would be called Lakeland Prep.

8. Collierville Storage Facility Sells for $3.9 Million -

A California-based owner and operator of self-storage facilities has purchased a Collierville storage facility for $3.9 million.

LifeStorage, through an entity operating as SSTN 651 S. Rowlett Street LLC, acquired the 62,170-square-foot facility at 651 S. Rowlett St. from LottaStorage LLC, according to an Oct. 6 special warranty deed. The Shelby County Assessor of Property’s 2014 appraisal is $2.2 million.

9. Abortion Rights Proponents Give Big to Campaign -

Abortion rights supporters contributed big sums last quarter to a campaign to defeat Amendment 1. The proposed constitutional amendment would give lawmakers more power to regulate abortions in Tennessee.

10. Events -

West Tennessee Home Builders Association presents the 2014 VESTA Home Show daily except Mondays through Oct. 26 at Shaw’s Creek Reserve, on Raleigh Lagrange Road east of Tenn. 196 in Piperton. Hours are 10 a.m. to 7 p.m. Tuesdays through Saturdays and 1 p.m. to 7 p.m. Sundays. Tickets are $12 for adults, $10 for seniors and $5 for youths 7 to 14. Visit vestashow.com.

11. TGI Fridays Franchisee Buys 3 Local Restaurants -

A New Orleans-based restaurant group has acquired three local TGI Fridays restaurants.

Southeast Restaurant Group bought the restaurants at 8325 U.S. 64, 7733 Winchester Road and 176 Goodman Road in Southaven, part of a broader 20-restaurant deal.

12. Consumer Borrowing up $13.5 Billion in August -

WASHINGTON (AP) — U.S. consumers increased their borrowing in August in the category that covers auto loans and student loans but cut back on their credit card borrowing.

Overall borrowing rose $13.5 billion in August following a revised $21.6 billion increase in July, the Federal Reserve reported Tuesday. The gains have pushed total consumer debt to a record level of $3.25 trillion.

13. Paulson: AIG Bailout Designed to be Punishment -

WASHINGTON (AP) – The 2008 government bailout of American International Group Inc. was specifically designed to punish the insurance giant, former Treasury Secretary Henry Paulson said in U.S. court Monday.

14. Retirement: Savings-to-Income Ratio -

Ray’s take: If you've at least started planning for your retirement, congratulations. It's often a hard first step. Follow-up steps are just as important.

When you are looking to buy a home, the mortgage company uses something called the “debt-to-income ratio” to determine if you qualify for the loan you are seeking. When determining the savings required to reach a retirement income goal, you can use a similar process to determine if you are targeting the correct ratio.

15. Haslam Tells Tennessee Agencies to Plan for Cuts -

NASHVILLE, Tenn. (AP) – Republican Gov. Bill Haslam is calling on all state agencies to plan for up to 7 percent spending cuts in the upcoming budget year.

The Chattanooga Times Free Press reports the move comes following a spending year in which revenues fell more than $300 million short of projections, leading the governor to cancel planned raises for state workers and teachers.

16. Pentagon Wants Tighter Soldier Loan Protections -

WASHINGTON (AP) – Aiming to restrict lenders who prey on members of the military, the Obama administration on Friday moved to close legal loopholes that have placed hundreds of thousands of service members at risk of excessive payday and other short-term loan fees.

17. I Choose Memphis: Gregory Love -

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

Name: Gregory Love

18. Certified Financial Planner – One Big Thing -

Ray's take: In today’s world of financial specialists, each one has their own view of what you should do – because each one is focused on their own focused area of the big picture: the CPA, the insurance agent, the attorney, etc.

19. Limits on Overseas Mergers Prompt Renewed Debate -

WASHINGTON (AP) – The Obama administration's decision to curb the ability of U.S. corporations to skirt taxes by merging with foreign companies kicked off an immediate election-season debate over when and how to tackle the nation's complex corporate tax code.

20. County Commission Starts School Bond Process -

Shelby County Commissioners vote Monday, Sept. 22, on a resolution that is the first step in issuing $120 million in general obligation bonds over the next two years to finance “public works projects, including schools,” according to the resolution.

21. Target Date Mutual Funds – Should You Go With the Flow? -

Ray's take: Target date funds take their name from the year in which an investor plans to retire or stop contributing to savings and is increasingly the default choice for 401K plan contributions.

22. Olive Garden Investor: Back Off on the Breadsticks -

NEW YORK (AP) – Maybe there is such a thing as too many breadsticks.

In a nearly 300-page treatise on what's wrong with Olive Garden and its management, investor Starboard Value suggests the Italian restaurant chain is being reckless with its unlimited breadsticks. The hedge fund notes the chain's official policy is to bring out one breadstick per customer at a time, plus an extra for the table.

23. Vaco Memphis Expands, Emphasizes Risk Solutions -

Somebody else’s problem provides your business an opportunity. That’s just the way things work and for much of Vaco Memphis’ 10 years, their focus was on offering recruiting and consulting services in areas that included technology, accounting, finance, logistics and administration.

24. Commission Confirms Luttrell Appointees -

In the first voting meeting of the new four-year term of office, the Shelby County Commission approved Monday, Sept. 8, County Mayor Mark Luttrell’s reappointment of Harvey Kennedy as chief administrative officer, Mike Swift as finance director, Yvonne Matlock as health services director, John Halbert as chief information officer, Tom Needham as public works director and Richard Copeland as director of the city-county Office of Planning and Development. The commission also approved William Gupton as the new director of the county’s corrections division.

25. Council Bogs Down in Health Insurance Numbers -

When Memphis City Council members meet Tuesday, Sept. 16, they will still be considering alternatives to the health care insurance plan changes they approved in June.

And they probably still will be trying to make sense of a mind-numbing array of conflicting numbers.

26. 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.

27. County Commission Confirms Luttrell Appointees -

In the first voting meeting of the new four-year term of office, the Shelby County Commission approved Monday, Sept. 8, County Mayor Mark Luttrell’s reappointment of Harvey Kennedy as chief administrative officer, Mike Swift as finance director, Yvonne Matlock as health services director, John Halbert as chief information officer, Tom Needham as public works director and Richard Copeland as director of the city-county Office of Planning and Development. The commission also approved William Gupton as the new director of the county’s corrections division.

28. Ford Is New County Commission Chairman In Latest Crossover Trend -

Shelby County Commissioners elected a Democratic chairman Monday, Sept. 8, but for a second consecutive year, that chairman was elected with the support of a majority of the Republicans on the body.

29. IRS Says It Has Lost Emails From 5 More Employees -

WASHINGTON (AP) – The Internal Revenue Service has lost emails from five more employees who are part of congressional probes into the treatment of conservative groups that applied for tax-exempt status, the tax service disclosed Friday.

30. Events -

Rhodes College will host its annual Constitution Day lecture Monday, Sept. 8, at 5 p.m. in Blount Auditorium of Buckman Hall on campus, 2000 North Parkway. Dr. Melvin I. Urofsky, an expert on the U.S. Supreme Court, will explore great dissents and dissenters in the history of the court. Cost is free. Visit rhodes.edu.

31. County Commission Begins New Term -

Shelby County Commissioners elect a new chairman Monday, Sept. 8, for the next year at the first voting meeting of their four-year term of office.

And their agenda includes votes on appointments by Shelby County Mayor Mark Luttrell to his second-term team of division directors and administrators.

32. Report: Cost to Raise Child in Memphis Tops $208,000 -

Memphis is one of the least expensive cities in which to raise a child.

That’s according to the personal finance website NerdWallet, which looked at the average cost of raising a child to the age of 18 in 288 major cities. In Memphis, the site found, it costs a little more than $208,000 on average – compared to, on the high end of the scale, $540,514 to raise a child in New York City.

33. Behind Big Macs, a Drama Over Corporate Control -

NEW YORK (AP) – Behind those Big Macs and Whoppers is a hidden drama over corporate control.

The fast-food industry is underpinned by an often tense relationship between companies like McDonald's and Burger King and the franchisees who run their restaurants. Few customers think about this when scarfing down burgers.

34. US Savings Bond – A Golden Oldie -

Ray’s take: U.S. savings bonds are debt instruments issued and fully backed by the federal government and were once touted as a great way to be patriotic. Their attraction historically has been safety (yes), deferred taxes (yes) and convenience (maybe). Traditionally, they were a staple gift for graduates, newlyweds and newborns.

35. Some Fear Auto Industry Returning to Bad Habits -

DETROIT (AP) – Big discounts. Six- or seven-year loans, in some cases to buyers who would have been turned down in the past.

As the auto industry strives to sustain its post-recession comeback, car companies are resorting to tactics that some experts warn will lead to trouble down the road.

36. Report: Cost to Raise Child in Memphis Tops $208,000 -

Memphis is one of the least expensive cities in which to raise a child.

That’s according to the personal finance website NerdWallet, which looked at the average cost of raising a child to the age of 18 in 288 major cities. In Memphis, the site found, it costs a little more than $208,000 on average – compared to, on the high end of the scale, $540,514 to raise a child in New York City.

37. Beneficiary Forms Trump Your Will -

Ray’s take: Few people like to think about death – particularly their own. But a sound estate plan includes dealing with that possibility to be certain your wishes are honored after you “make the switch.”

38. Fuchs Joins Vaco Logistics as Recruiter -

Eddie Fuchs has joined Vaco Memphis as an executive recruiter for Vaco Logistics, where he’ll consult with distribution, transportation and manufacturing companies to help identify candidates for leadership and specialized skill positions. Fuchs, who previously worked in the business development department of Intermodal Cartage Co., was recently named to the Greater Memphis Chamber’s 2014 Young Memphians list.

39. Hard to Swallow? Burger King May Move to Canada -

NEW YORK (AP) – Some Burger King customers are finding it hard to swallow that the home of the Whopper could move to Canada.

Investors seemed to welcome the announcement by Burger King late Sunday that it was in talks to buy Canadian coffee-and-doughnut chain Tim Hortons and create the world's third-largest fast-food restaurant company. The news pushed shares of both companies up more than 20 percent.

40. Beset by Money Woes, Crittenden Hospital to Close -

WEST MEMPHIS, Ark. (AP) – The Crittenden Regional Hospital in West Memphis stopped admitting patients Monday and will shut down permanently on Sept. 7, despite the recent passage of a sales tax increase intended to help the financially struggling facility.

41. Kaaa-BOOM! -

This Labor Day weekend, hundreds of Knoxvillians will be working harder than ever so hundreds of thousands can kick back and relax.

Knoxville is hosting a huge street festival and one of the biggest fireworks shows in the country on Saturday, followed by the first UT game of the season on Sunday.

42. Tennessee Now Seeks to Renovate Cordell Hull Building -

NASHVILLE (AP) – Gov. Bill Haslam's administration is backing off earlier plans to demolish the 60-year-old Cordell Hull office building located next to the state Capitol in Nashville and instead hopes to renovate it.

43. In Case of Incapacitation -

Ray’s take: A financial power of attorney is a powerful tool in your financial planning arsenal in the event your investments or other financial matters need action and you can’t do it.

44. Google's Pivotal IPO Launched a Decade of Big Bets -

SAN FRANCISCO (AP) – Google's IPO, a decade ago this week, launched the company on a trajectory that continues to reshape its business and much of the world in its orbit.

And CEO Larry Page is determined to push even further.

45. Developer Files Permit for Graceland-Area Hotel -

3411 Elvis Presley Blvd.
Memphis, TN 38116
Permit Cost: $3.5 million

46. US Retail Sales Flat in July -

U.S. retail sales were essentially flat in July, providing evidence that consumers have yet to shed their doubts about the economy despite recent job gains.

The Commerce Department said Wednesday that seasonally adjusted retail sales were unchanged in July compared with the prior month. Total sales rose a statistically insignificant $161 million from $439.6 billion in June.

47. Tennessee July Revenue Collections See Some Growth -

NASHVILLE (AP) – Tennessee Finance Commissioner Larry Martin says the state's revenue collections recorded some growth in July even though they fell short of projections.

48. Hotel Owner Files $3 Million Loan -

The new owner of the Inn at Thousand Oaks hotel at 2700 S. Perkins Road in Parkway Village has filed a $3 million loan on the property.

49. Over 50 – Should You ‘Catch Up’? -

Ray’s Take: If you’re age 50 or older, you can make extra “catch-up” contributions to certain types of tax-favored retirement accounts.

Is this something you should take advantage of? On the surface, it seems like a positive for your retirement account. But take a long honest look at why you are going to make those catch-up contributions and check your plan to make sure you qualify. There is a lot of information out there regarding these types of contributions, and you need to separate the good from the not so good.

50. Events -

The Center City Revenue Finance Corp. will meet Tuesday, Aug. 12, at 9 a.m. in the Downtown Memphis Commission conference room, 114 N. Main St. Visit downtownmemphiscommission.com.

51. Events -

The Center City Revenue Finance Corp. will meet Tuesday, Aug. 12, at 9 a.m. in the Downtown Memphis Commission conference room, 114 N. Main St. Visit downtownmemphiscommission.com.

52. Arkansas Starts Fiscal Year Below Forecast -

Sluggish corporate income and sales tax collections pushed Arkansas' revenue below forecast and below the same month in 2013 as it started its fiscal year in July, state finance officials said Monday.

53. Metropolitan Bank Expands Board -

Metropolitan Bank has added James Wingett to its board of directors.

Wingett lives in Memphis, where he’s a founding partner and managing director of Wolf River Capital. Before his time at Wolf River, he was a founding member, managing director and principal of FTN Financial’s Structured Finance Group.

54. United Way Beginning Search for New President -

United Way of the Mid-South President Bryce Haugsdahl has announced his retirement after 40 years of service with several United Way chapters. Doug Byrnes, senior vice president of finance and chief financial officer of United Way of the Mid-South, will serve as interim president as a search for a new president begins.

55. 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.

56. United Way Searching for New President -

United Way of the Mid-South President Bryce Haugsdahl has announced his retirement after 40 years of service with several United Way chapters. Doug Byrnes, senior vice president of finance and chief financial officer of United Way of the Mid-South, will serve as interim president as a search for a new president begins.

57. How Much Should I Save for Retirement? -

Ray’s take: Saving for retirement. It’s something we are all aware of and working on regularly. But how much do you need to save for retirement?

That is the quintessential question everyone asks. And the answer is not so clear. It depends. Truly.

58. Graceland Campus Financing Relies on Tight Boundaries -

When Elvis Presley Enterprises breaks ground next week on the $75 million, 450-room hotel-resort it will build north of Graceland mansion, it will be the beginning of crossing something off the company’s wish list since Elvis Presley’s mansion opened for tours in the early 1980s.

59. Problem Property -

The city of Memphis and the Downtown Memphis Commission suffered a stinging setback this week in their quest to rid a key section of Main Street of a deteriorating eyesore, one that has survived multiple attempts to be sold and defied repeated orders to clean up.

60. Alexander Looks to Fend Off Tennessee GOP Challengers -

LAWRENCEBURG, Tenn. (AP) – After losing his first bid for Tennessee governor 40 years ago, Republican Sen. Lamar Alexander shed his blue suit and buttoned-up appearance for a plaid shirt, hiking boots and a 1,000-mile walk around the state.

61. Council Approves Graceland Plan, Moves on Sales Tax Hike Referendum -

Memphis City Council members approved Tuesday, Aug. 5, a tourism development zone application for the 120-acre Graceland campus and the master plan the zone would finance that includes a 450-room resort hotel and an archive exhibition space.

62. Gannett Splits Publishing, Broadcasting in Two -

NEW YORK (AP) – The game of survival is on for newspapers, as USA Today owner Gannett on Tuesday became the most recent major media entity to say it will divide its print and broadcast divisions into separate companies.

63. GM Finance Subpoenaed Over Subprime Auto Loans -

NEW YORK (AP) – GM Finance says it has received a subpoena from the U.S. Department of Justice for documents related to subprime auto loans.

The affiliate of General Motors Co. said in a filing Monday with the government that the Justice Department requested documents related to the origination and securitization of subprime auto loan contracts since 2007.

64. Arkansas Starts Fiscal Year Below Forecast -

Sluggish corporate income and sales tax collections pushed Arkansas' revenue below forecast and below the same month in 2013 as it started its fiscal year in July, state finance officials said Monday.

65. Metropolitan Bank Expands Board -

Metropolitan Bank has added James Wingett to its board of directors.

Wingett lives in Memphis, where he’s a founding partner and managing director of Wolf River Capital. Before his time at Wolf River, he was a founding member, managing director and principal of FTN Financial’s Structured Finance Group.

66. Graceland Area Could Have Its Own Industrial Development Board -

A proposed Graceland Tourism Development Zone would have its own industrial development board under a proposal the administration of Memphis Mayor A C Wharton Jr. will take Tuesday, Aug. 5, to the Memphis City Council for discussion.

67. Graceland Industrial Development Board Proposed -

A proposed Graceland Tourism Development Zone would have its own Industrial Development Board under a proposal the administration of Memphis Mayor A C Wharton Jr. will take Tuesday, Aug. 5, to the Memphis City Council for discussion.

68. What’s Your Investment Risk Profile? -

Ray’s Take Risk. It’s something we are all involved in every day – sometimes consciously and sometimes not.

Just walking out the door of our homes and driving our cars involves a level of risk we don’t think about. We just assume we will arrive at our destination in good shape. There’s our daily subconscious risk.

69. FedEx Founder Highlights Economic Club Fall Slate -

FedEx founder Fred Smith will make a rare public speaking appearance in Memphis Nov. 6, as part of the fall 2014 lineup of speakers planned for the Economic Club of Memphis.

70. Asia Votes for Growth -

Ni Hao!

I write to you this week from Hong Kong. For the next 12 months I will be working remotely from China in order to closely evaluate conditions within the Asian economies. In addition to my usual market musings I will share my Asian insights and inspirations as they arise … like this one.

71. Dollar Tree Steps Up Fight, Buys Family Dollar -

NEW YORK (AP) — The fight for penny pinchers is intensifying.

Dollar Tree said Monday it is buying rival discounter Family Dollar for $8.5 billion, significantly broadening its reach as it looks to fend off Wal-Mart, which has been stepping up its courtship of lower-income customers.

72. Simmons First National Moves Into Tennessee -

A similar history, a foundation in agriculture lending and growth potential attracted Arkansas-based Simmons First National Corp. to buy Community First Bancshares Inc. of Union City, Tenn., and its $1.9 billion subsidiary First State Bank, says Simmons’ Chairman and CEO George A. Makris.

73. Events -

The Booksellers at Laurelwood will host “Shots Fired” author C.J. Box for a discussion and signing Monday, July 28, at 6 p.m. at 387 Perkins Road Extended. Visit thebooksellersatlaurelwood.com.

74. US Companies Report Rising Sales, Employment -

Rising sales helped boost hiring and wages at U.S. businesses in the second quarter, and companies are optimistic that the trends will continue this fall, according to a new survey by the National Association for Business Economics.

75. Lot Shortage Poses Next Roadblock -

Local homebuilders say a dearth of developed lots is slowing down the new housing rebound, weighing down an industry still trying to drag itself out of the rubble left by the worst recession in decades.

76. Develop Interests Before Retirement -

Ray’s take: Retirement success is not automatic. It takes planning – and not just financial planning. According to a study by University of Missouri – Columbia, couples should plan for retirement, both financially and socially, and consider the changes that may occur in their relationships and day-to-day activities.

77. McKinney Named Branch Manager at Waddell & Reed -

Mack McKinney has been promoted at Waddell & Reed to district branch manager for the Memphis area. McKinney has been with the financial advisory firm for five years, holding management positions for four of those years.
McKinney works to develop field leaders and help financial advisers leverage their strengths and experiences to build successful practices. He serves as mentor to both new and seasoned financial advisers and says he’s committed to building an office that demonstrates the collective passion shared for clients and the community.

78. Survey: Graduates Should Return to Memphis After School -

Measuring economic sentiment among consumers at any given moment in time involves looking at specific data points and how consumers feel about those sets of numbers and facts.

That’s a key element of the Memphis Economic Indicator, a quarterly survey measuring general business and economic sentiment produced jointly by The Daily News and Dixon Hughes Goodman LLP that’s now one year old.

79. US Companies Report Rising Sales, Employment -

Rising sales helped boost hiring and wages at U.S. businesses in the second quarter, and companies are optimistic that the trends will continue this fall, according to a new survey by the National Association for Business Economics.

80. Knowledge Tree Buys Cordova Retail Center -

8195 Dexter Road
Memphis, TN 38016
Sale Amount: $1.3 million

Sale Date: July 8, 2014
Buyer: K Tree LLC
Seller: 8195 Dexter Road LLC
Loan Amount: $1.5 million
Loan Date: July 11, 2014
Maturity Date: N/A
Lender: First Tennessee Bank NA
Details: An affiliate of the Knowledge Tree learning center has paid $1.5 million for the 28,575-square-foot shopping center at 8195 Dexter Road in Cordova.

81. French Fort Plan Calls for $150 Million Development -

What would begin as 67 apartments in the former U.S. Marine Hospital and nurses’ quarters on the northern edge of the French Fort neighborhood would grow in phases to a $150 million development south of E.H. Crump Boulevard, according to a plan unveiled over the weekend.

82. Forbes Sells Majority Stake to Group of Investors -

NEW YORK (AP) – Forbes said Friday it will sell a majority stake in the family owned magazine publisher to a Hong Kong-based investor group.

Financial terms of the deal were not disclosed. The New York company said in November it was putting itself up for sale.

83. Senate Candidate Gives Loan to Prominent Supporter -

NASHVILLE (AP) – The campaign of Republican U.S. Senate candidate Joe Carr has loaned $200,000 to the company of a prominent supporter in an unusual arrangement that has drawn the attention of the Federal Election Commission.

84. Thoughts for 30-Somethings -

Ray’s take: You spent your 20s setting up your life – developing some marketable skills, getting a career started, (hopefully) creating a budget, and learning to live with it.

85. Midtown Retail Center Owner Files $3 Million Loan -

The owner of the retail building at 1460 Union Ave. in Midtown that houses Office Max and Cricket stores has filed a $2.9 million loan on the property.

86. US Students in Middle of Pack on Financial Knowhow -

WASHINGTON (AP) – In an increasingly global economy, just 1 in 10 teenagers around the world is able to make some key – but complex – financial decisions, including choosing among various loans or analyzing invoices and pay slips.

87. Alternative Banking – Is It For You? -

Ray's take: The world of banking is evolving. Over the past decade we’ve seen an increase in the number of online only, or alternative banks. Whether or not this is a good thing depends on whom you talk to about it.

88. Survey Finds Math, Science Grads Earn Top Dollar -

WASHINGTON (AP) – What you study – math and science are a plus – seems to matter more than whether your alma mater is public or private when it comes to finding a high-paying job after college, according to a report released Tuesday by the Education Department.

89. Cushman & Wakefield Adds Yates to Capital Markets Team -

Alex Yates has joined the Cushman & Wakefield/Commercial Advisors Capital Markets team as vice president, assisting and executing investment sales, debt/equity placement and development advisory projects. Yates’ efforts will be heavily concentrated in multifamily and retail, but he will focus on other product types as well.

90. Addison at Collierville Owner Files $17 Million Loan -

400 Orchard Circle
Collierville, TN 38017
Loan Amount: $16.8 million

Loan Date: July 1, 2014
Maturity Date: July 1, 2021
Borrower: G&I VII Addison at Collierville LLC
Lender: CBRE Capital Markets Inc.
Details: The owner of the 226-unit Addison at Collierville apartments at 400 Orchard Circle W. has filed a $16.8 million loan on the property.

91. Corporations are People? It's a Real Legal Concept -

WASHINGTON (AP) – There may be more to that "we the people" notion than you thought.

These are boom times for the concept of "corporate personhood."

Corporations are people?

92. Vacation Home – Is It Time to Buy? -

Ray’s take: It’s summertime and the vacation season is upon us. Sometimes, it sounds wonderful to own a beach or mountain getaway. Many Americans share that same dream – a “summer place” to enjoy and perhaps pass down through the generations.

93. Different Pension Path Possible in Council Delay -

Memphis City Council members are looking at hybrid pension plans for city employees that could have separate terms for police officers and firefighters and enroll all other city employees in the Social Security plan.

94. Highway Crisis Looms as Soon as August, US Warns -

WASHINGTON (AP) – Gridlock in Washington will lead to gridlock across the country if lawmakers can't quickly agree on how to pay for highway and transit programs, President Barack Obama and his top officials warned Tuesday.

95. Lawsuit Financing Company to Leave Tennessee -

NASHVILLE (AP) – A new Tennessee law targeting the practice of financing the costs of lawsuits is leading an Illinois company to leave the state.

Oasis Legal Finance, one of the country's largest consumer legal funding services, announced it is leaving the Tennessee market as the law goes into effect Tuesday.

96. Health Choice Selects Abisch to Lead Population Health Services -

Ellen Abisch has joined Health Choice LLC as senior director of population health services. In the newly created position, Abisch will be responsible for designing, implementing and managing population health and wellness programs for the Health Choice network.
Prior to joining the physician hospital organization, she served as manager of benefits and wellness for ServiceMaster.

97. Charlotte Firm Buys Mendenhall Warehouse -

4517 S. Mendenhall Road
Memphis, TN 38141
Sale Amount: $1.4 million

Sale Date: June 24, 2014
Buyer: TKC CLXXIX LLC
Seller: Tenn Thom Realty LLC
Loan Amount: $1.1 million
Loan Date: June 24, 2014
Maturity Date: N/A
Lender: First Tennessee Bank NA
Details: An affiliate of Charlotte, N.C.-based real estate development firm The Keith Corp. has paid $1.4 million for the 14,650-square-foot warehouse at 4517 S. Mendenhall Road in Hickory Hill.

98. Timing Key Element of County Tax Rate Debate -

More funding from Shelby County government for prekindergarten classrooms is a matter of timing, say those on both sides of the property tax rate question on which the $2.8 million in additional funding hinges.

99. New Brunswick Road Firestone Sells for $1.4 Million -

The Firestone Complete Auto Care shop at 2870 New Brunswick Road in Northeast Memphis has sold for $1.4 million.

100. Raymond James Recommits to Downtown -

Raymond James is extending its commitment to Downtown Memphis, where the investment firm will remain a key part of the city’s skyline for at least another decade.

The firm has reached a deal with Parkway Properties to extend its lease on the Raymond James Tower at 50 N. Front St. until March of 2024.