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Editorial Results (free)

1. Target Cuts Outlook as Breach Fallout Lingers -

NEW YORK (AP) – Target Corp. slashed its annual profit outlook for the second time in three months as the retailer reels from a massive customer-data breach, a botched Canadian expansion and sluggish U.S. sales.

2. Events -

Hattiloo Theatre will present “Stick Fly” Thursday, Aug. 21, through Sept. 14 at the theater, 37 S. Cooper St. Buy tickets at hattiloo.org.

3. Fed-Casting the Next Six Months -

The central questions for this aging bull market involve the timing, pace and degree of interest rate increases. Low interest rates make equity earnings larger and more valuable. Freeze interest rates here and stocks look cheap. Increase them to historical norms and stocks look expensive.

4. Rail House Roots -

Editor’s note: This is the third in a three-part series. “Rail house” is a term that businesses – especially restaurants and bars – near train tracks, or with railroad motifs, use in their names.

5. 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.

6. US Won't Reveal Records on Health Website Security -

WASHINGTON (AP) – After promising not to withhold government information over "speculative or abstract fears," the Obama administration has concluded it will not publicly disclose federal records that could shed light on the security of the government's health care website because doing so could "potentially" allow hackers to break in.

7. Ballmer Steps Down From Microsoft Board -

LOS ANGELES (AP) – Former Microsoft CEO Steve Ballmer is stepping down from the company's board, bringing to a close 34 years with the software giant.

Ballmer says he plans to devote more time to his ownership of the Los Angeles Clippers, civic contributions, teaching and study.

8. Events -

The Booksellers at Laurelwood will host musician Graham Nash for a discussion and signing of his memoir, “Wild Tales,” Wednesday, Aug. 20, at 1 p.m. at the bookstore, 387 Perkins Road Extended. Visit thebooksellersatlaurelwood.com.

9. Six Revealing Sales Interview Questions -

The new hire failure rate is astonishing and expensive, and it’s even worse for sales candidates who can be among the toughest to properly vet. Leadership IQ reports that of 20,000 new hires tracked in a recent study, 46 percent failed within 18 months.

10. -

NEWSMAKERS
11. Screwpulp Carves Out Identity in Amazon-Led Industry -

It’s no secret Amazon is the subject of intense public scrutiny at the moment over a flurry of controversial decisions from the online retailing giant against some of the publishers with which it does business.

12. ‘Two Ears, One Heart’ -

The phone rings and rings at the Memphis Crisis Center – 19,000 times in 2013, or 2.2 times every hour, 52 times a day, 365 days a year.

Of the 19,000 calls logged last year, 1,301 – or 3.6 per day – were from people talking about killing themselves.

13. Consumer Prices Edge Up 0.1 Percent in July -

WASHINGTON (AP) – U.S. consumer prices rose in July at the slowest pace in five months, held back by a drop in gasoline prices.

Consumer prices edged up a seasonally adjusted 0.1 percent last month, after larger gains of 0.3 percent in June and 0.4 percent in May, the Labor Department reported Tuesday. It was the smallest increase since a similar 0.1 percent rise in February.

14. Government Wants to Make Cars Talk to Each Other -

WASHINGTON (AP) – The Obama administration said Monday it is taking a first step toward requiring that future cars and light trucks be equipped with technology that enables them to warn each other of potential danger in time to avoid collisions.

15. 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.

16. Mississippi Jobless Rate Rises in July, Stays US Worst -

JACKSON, Miss. (AP) – Mississippi's unemployment rate continued to go in the wrong direction in July, remaining the highest in the nation.

The jobless rate rose to 8 percent in July, the third straight monthly increase, as the number of people reporting they had a job fell faster than the labor force.

17. Community Health Details Attack on Patient Records -

FRANKLIN, Tenn. (AP) – Hospital operator Community Health Systems said a cyberattack took information on more than 4 million patients from its computer network earlier this year.

The Franklin, Tennessee, company said Monday that no medical or credit card records were taken in the attack, which may have happened in April and June. But Community said the attack did bypass its security systems to take patient names, addresses, birthdates, and phone and Social Security numbers.

18. Beale Street Begins Charging Security Fee -

MEMPHIS (AP) – Beale Street has instituted a policy that increases safety by charging visitors a new fee.

WMC-TV reports visitors arriving at midnight Saturday or later had to pay a $10 charge to get past a security checkpoint and onto the iconic street in Memphis. The station reports the special event cover charge paid for 23 extra security officers.

19. UTHSC Researcher Gets $1.6 Million Arthritis Grant -

Ae-Kyung Yi, associate professor in the departments of Pediatrics, and Microbiology, Immunology and Biochemistry at the University of Tennessee Health Science Center, has received a grant totaling $1.6 million from the National Institute of Arthritis and Musculoskeletal and Skin Diseases, a subsidiary of the National Institutes of Health.

20. National Urban League Young Professionals President to Speak in Memphis -

National Urban League Young Professionals president Brandi Richard will speak this weekend during the Memphis Urban League Young Professionals’ second annual Empowerment Conference.

21. Events -

Stax Museum of American Soul Music will host Stephani Brownlee’s CD release party Tuesday, Aug. 19, at 2 p.m. in Studio A, 926 E. McLemore Ave. Museum admission is free to Shelby County residents with ID. Visit staxmuseum.com.

22. Leading by Example -

Have you heard about Raymond Burse, the newly appointed interim president of Kentucky State University who voluntarily reduced his salary by 25 percent to ensure that all university employees would make a minimum hourly wage of $10.25?

23. Council Reviews Pension Investment Changes -

For the first time in months, Memphis City Council members have no committee discussions scheduled Tuesday, Aug. 19, on city health insurance benefits or proposed pension plan changes.

But the council will vote on the first in a series of pension plan changes to come.

24. Supervalu Becomes Latest to Suffer Data Breach -

NEW YORK (AP) – A data breach at Supervalu may have impacted as many as 200 of its grocery and liquor stores and potentially affected retail chains recently sold by the company in two dozen states.

25. US Producer Prices Rise Just 0.1 Percent in July -

WASHINGTON (AP) – Falling gasoline costs lowered the prices that U.S. companies received for their goods and services last month, keeping overall inflation in check.

The producer price index rose 0.1 percent in July, following a 0.4 percent gain in June, the Labor Department said Friday. The index measures the cost of goods and services before they reach the consumer.

26. Old International Paper Equipment Up for Sale -

NATCHEZ, Miss. (AP) – Some of the last infrastructure left over from International Paper's days of operations will soon be up for bid.

The Adams County Board of Supervisors authorized this week for County Administrator Joe Murray to declare some of the old IP equipment to be excess equipment and advertise it for sale.

27. 5 Tennessee Sites Added to National Register -

Five Tennessee sites, including one in Memphis, have been added to the National Register of Historic Places.

The registry is part of a nationwide program that coordinates and supports efforts to identify, evaluate and protect historic resources. The Tennessee Historical Commission administers the program in Tennessee.

28. Awards Show Coming to WKNO This Fall -

An awards show produced in partnership with WKNO-TV, the Lipscomb Pitts Breakfast Club, Media Source and The Rotary Club of Memphis will launch this fall to honor positive achievements.

For The SPARK Awards, members of the community are invited to nominate individuals, nonprofits, corporations and schools that are igniting change and making a positive impact in the Memphis area.

29. Author Jess Walter to Appear at Libration -

The Memphis Library Foundation has announced that Jess Walter, author of the New York Times bestseller “Beautiful Ruins,” will join fans and library supporters during the foundation’s annual Libration event.

30. Events -

Memphis Area Business and Professional Women will meet Monday, Aug. 18, at 5:30 p.m. at Shady Grove Presbyterian Church, 5530 Walnut Grove Road. Attorney Stephen Biller will discuss how he can be of benefit to women minority-owned businesses. RSVP to Martha Ervin at 489-5481.

31. Lessons Learned From FAA’s Expanded Use of Electronics -

With business travel season heating up, it’s important to keep some technology etiquette in mind to avoid work liability issues and being a nuisance to those around you.

As many of you road warriors know, the Federal Aviation Administration (FAA) recently relaxed some rules around the usage of portable electronic devices during commercial airline flights. This allows passengers to safely use their devices in airplane mode from gate to gate at the airlines’ discretion.

32. Consumers Driving Health Care Innovation -

Everyone in the U.S complains about health care – the rising costs of insurance premiums and co-pays, the lack of innovation, the poor experience at doctor’s offices and hospitals, and price of medications.

33. -

SMALL BUSINESS
34. Commission Reopens Anti-Discrimination Debate -

Six of the 13 Shelby County Commissioners attend their last meeting Monday, Aug. 18.

The finale of the four-year term of office will feature renewed discussion about a proposed anti-discrimination ordinance and attempts to make the residency requirement for county commissioners more specific.

35. Less-Frenzied House Hunting in Williamson County -

This past week, Realtor Stephanie Tipton Soper had two out-of-town families relocating to Nashville. Both were in search of homes in Williamson County.

Disclosure being the better part of valor, Stephanie is my real estate partner at Christianson, Patterson, Courtney and Associates. With my wife Beth and our twins vacationing in London, Stephanie was the only real estate agent from whom I can draw immediate, deadline-ready data and information, so here she is.

36. 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.

37. Tigers Land Forward Calvin Godfrey -

As first reported by ESPN.com’s Jeff Goodman, forward Calvin Godfrey is coming to the University of Memphis as a transfer from Southern University.

38. Baptist Doctor Named to Endocrinology Board -

Dr. Jay Cohen, endocrinologist and medical director at Baptist Medical Group-The Endocrine Clinic, recently was named to the advisory board of the American Association of Clinical Endocrinologists to help develop the 2014-2015 national diabetes treatment guidelines.

39. Convoy of Hope to Host Memphis Giveaway -

Convoy of Hope will partner with local businesses, churches, government agencies and nonprofits during a community celebration Sept. 6 at Liberty Bowl Memorial Stadium and the Mid-South Fairgrounds.

40. Vendors Sought for Edge MEMfix Event -

A group behind the next MEMfix campaign in the Edge district is currently looking for vendors.

Livable Memphis is seeking vendors for the Oct. 18 MEMfix event, which will take place around the intersection of Marshall and Monroe avenues.

41. College of Optometry Seeks Dry-Eye Study Participants -

Southern College of Optometry is still in need of participants for a comprehensive study to determine the impact of dry eye on daily activities, evaluate differences between clinician-reported and patient-reported severity of dry eye and assess patient satisfaction with existing over-the-counter treatments for dry eye.

42. Restoration of Elvis’ Circle G Ranch Begins -

The first phase of restoration at Circle G Ranch in Horn Lake, Miss., formerly owned by Elvis Presley, has begun.

Plans include the relocation and restoration of the historic Honeymoon Cottage to the interior of the property near the horse stables, which will also be restored. An arena will be created next to the stables for horse and pony rides, shows, and equine therapy to help those with developmental challenges.

43. City Debuts Health Benefits Website -

The city of Memphis debuted a new website this week that explains changes in health care insurance and coverage for city employees and retirees.

The debut of benefitsmemphis.com comes ahead of the Oct. 1 effective date for premium increases city employees will begin paying.

44. Events -

In the Pinc will hold the 2014 Women Small Business Owner’s Expo Saturday, Aug. 16, from noon to 4 p.m. at Baker Community Center, 7942 Church St. in Millington. Tickets are $10 and admit two people. Visit inthepinc.net.

45. Shoulder Injury Could End McCarthy’s Titans Career -

NASHVILLE – The star-crossed career of Tennessee Titans linebacker Colin McCarthy took another wicked turn with the news that he could miss the entire season with a shoulder injury.

McCarthy suffered the injury in Saturday night’s preseason opener, playing in the third quarter with the Titans third-team defense, hoping to show the new coaching regime that he is still a worthwhile entity, either as an inside linebacker or on special teams.

46. Wal-Mart Cuts Profit Outlook -

BENTONVILLE, Ark. (AP) – Wal-Mart Stores Inc. cut its annual profit outlook on Thursday amid sluggish sales, higher-than-expected health care costs and the need to invest more in its e-commerce operations.

47. AutoZone, Gameday Partner for Youth Baseball Tourney -

Competitive baseball teams began competing Thursday, Aug. 14, in the AutoZone USSSA National Youth Championships at Gameday Baseball’s complex in Cordova. Several age groups will compete Aug. 14-17 and another set of age groups Aug. 21-24. Twelve teams in each of six age groups (9 and under, 10U, 11U, 12U, 13U and 14U) will make it through qualifying rounds to reach the championships. CBS Sports Network will televise the championship games for 11U thru 14U, and select games from each age group will be streamed on the United States Specialty Sports Association Live website at usssalive.com.

48. Events -

Playhouse on the Square will present the regional premiere of “Mary Poppins” Friday, Aug. 15, through Sept. 7 at Playhouse, 66 S. Cooper St. Buy tickets at playhouseonthesquare.org.

49. Keeping Your Search Secret -

Can you keep a secret? Benjamin Franklin famously said, “Three can keep a secret, if two of them are dead.” Keeping private information private, especially about your job search, can be a tall order.

50. The Q Party -

CRISIS AVERTED. It’s all a matter of perspective.

At the height of the 1962 Cuban missile crisis, a friend’s father was in Corinth, Miss., on business. He was outside the courthouse having a cigarette and waiting for an appointment when he overheard a conversation between two old men on a bench.

51. -

SPORTS
...

52. Amazon Debuts Mobile Payment App and Card Reader -

NEW YORK (AP) – Amazon is taking direct aim at mobile payment systems such as Square by introducing the Amazon Local Register, a credit-card processing device and mobile app designed to help small business owners accept payments through their smartphones and tablets.

53. TVA: Watts Bar More Than 90 Percent Complete -

SPRING CITY, Tenn. (AP) – The Tennessee Valley Authority says work on the Watts Bar Nuclear Plant is more than 90 percent complete.

The federal agency announced a target completion date for the plant's Unit 2 reactor of December 2015.

54. City Debuts Health Benefits Website -

The city of Memphis debuted a new website this week that explains changes in health care insurance and coverage for city employees and retirees.

The debut of benefitsmemphis.com comes ahead of the Oct. 1 effective date for premium increases city employees will begin paying.

55. Events -

Church Health Center Wellness and Bring It Food Hub will hold a Bring It, Cook It, Take It cooking class Thursday, Aug. 14, at 5:30 p.m. at 1115 Union Ave. The class will include cooking demonstrations using fresh produce, plus tastings and recipes. Cost is $5 and includes a bag of produce. Visit churchhealthcenter.org.

56. 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.

57. Actor Rob Lowe to Headline Cancer Center Fundraiser -

The annual Methodist Cancer Center Luncheon has a track record of bringing in speakers with high name recognition, from actor Michael Douglas to former first lady Laura Bush to network anchorman Tom Brokaw to actress Sally Field.

58. Roast of the Town -

If you catch Jimmy Lewis these days and get him talking about coffee roasting, chances are he might never stop.

59. Deadline to Clear Up Health Law Eligibility Near -

WASHINGTON (AP) – Hundreds of thousands of people who signed up under the new health care law risk losing their taxpayer-subsidized insurance unless they act quickly to resolve questions about their citizenship or immigration status. The government warned on Tuesday that they have just over three weeks to show that they're eligible.

60. College of Optometry Seeks Dry-Eye Study Participants -

Southern College of Optometry is still in need of participants for a comprehensive study to determine the impact of dry eye on daily activities, evaluate differences between clinician-reported and patient-reported severity of dry eye and assess patient satisfaction with existing over-the-counter treatments for dry eye.

61. Restoration of Elvis’ Circle G Ranch Begins -

The first phase of restoration at Circle G Ranch in Horn Lake, Miss., formerly owned by Elvis Presley, has begun.

Plans include the relocation and restoration of the historic Honeymoon Cottage to the interior of the property near the horse stables, which will also be restored. An arena will be created next to the stables for horse and pony rides, shows, and equine therapy to help those with developmental challenges.

62. Events -

Rizzo’s Diner and the Memphis Crisis Center will hold a “Less to Wine About Wednesday” fundraiser Wednesday, Aug. 13, at the restaurant, 106 G.E. Patterson Ave. Rizzo’s will donate 25 percent of the day’s profits to the crisis center. Visit rizzosdiner.com.

63. Cold Email Mastery, a Click Away From Anyone -

Cold calling is a tough business, though a necessity for many companies. The cost of sales is high, as is sales rep rejection and fatigue. Imagine if email could significantly improve your engagement rate with otherwise cold prospects. If executed well, it can, explains Scott Britton with life-longlearner.com, the forensic accountant of the email world whose company was acquired by Constant Contact for $100 million in 2012.

64. -

NEWSMAKERS
65. Nucor Steel Files Arkansas Lawsuit Over Steel Mill -

OSCEOLA, Ark. (AP) – Nucor Steel has filed a lawsuit in federal court in an attempt to block a competitor from opening a mill in a northeastern Arkansas county.

The Nucor lawsuit filed Monday in Jonesboro seeks to block Big River Steel from building its $1.3 billion steel mill south of Osceola that would employ more than 500 workers, the Blytheville Courier News reported. It also seeks the revocation of Big River Steel's air permit and requests civil penalties against company.

66. Obama Takes Step to Improve Government Technology -

CHILMARK, Mass. (AP) – The White House on Monday announced the creation of a team of digital experts tasked with upgrading the government's technology infrastructure and making its websites more consumer friendly.

67. Baptist Doctor Named to Endocrinology Board -

Dr. Jay Cohen, endocrinologist and medical director at Baptist Medical Group-The Endocrine Clinic, recently was named to the advisory board of the American Association of Clinical Endocrinologists to help develop the 2014-2015 national diabetes treatment guidelines.

68. Convoy of Hope to Host Memphis Giveaway -

Convoy of Hope will partner with local businesses, churches, government agencies and nonprofits during a community celebration Sept. 6 at Liberty Bowl Memorial Stadium and the Mid-South Fairgrounds.

69. Vendors Sought for Edge MEMfix Event -

A group behind the next MEMfix campaign in the Edge district is currently looking for vendors.

Livable Memphis is seeking vendors for the Oct. 18 MEMfix event, which will take place around the intersection of Marshall and Monroe avenues.

70. 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.

71. Discovering the World of Travel -

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

72. The First 72 – Don’t Kill Your Fundraising -

Asking for a donation to your nonprofit is one component of fundraising. How that gift is processed once it is received is another.

Both are important. Your actions can strengthen a donor relationship, or contribute to its demise. “The First 48” is a TV crime show that stresses the importance of the first 48 hours to the overall criminal investigation. Create guidelines for “The First 72” to keep fundraising on track. Letting gifts “pile up” and processing them once every week or two may appear efficient, but this process may require investigation.

73. McDonald's Sales Hit by China Scandal, US Weakness -

NEW YORK (AP) – McDonald's says a global sales figure fell 2.5 percent in July, dragged down by persistent weakness in the U.S. and a food safety scare in China.

The world's biggest hamburger chain said Friday that the decline included a 3.2 percent drop in the U.S. and a 7.3 percent drop in the unit encompassing Asia, the Middle East and Africa.

74. Tigers Land Forward Calvin Godfrey -

As first reported by ESPN.com’s Jeff Goodman, forward Calvin Godfrey is coming to the University of Memphis as a transfer from Southern University.

75. Examining the Penalty of Leadership -

Nearly one hundred years ago, Theodore F. MacManus, working as a copywriter for Cadillac, wrote a brilliant piece on leadership.

Disguised as an ad, the essay titled “The Penalty of Leadership” was written to counter the attack on Cadillac by a rival car company, Packard. It was published only once, in the Saturday Evening Post, on Jan. 2, 1915, and never mentioned Cadillac, or the competition.

76. 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.

77. Grizzlies Preseason Schedule Includes Cavs -

The Memphis Grizzlies’ eight-game preseason schedule has four games at FedExForum, including Oct. 22 against LeBron James and the Cleveland Cavaliers.

The Grizzlies tip off the preseason Oct. 8 at 7 p.m. against the Milwaukee Bucks in Green Bay, Wis.

78. Why Experts Live in Fear -

More trouble has fallen upon companies that tempt the universe with this ego-inflated statement: "We are the experts.” A sizable lack of innovation occurs in the practice of being perceived as experts instead of practicing humility in the workplace.

79. -

SMALL BUSINESS
80. Shelby County Home Sales, Prices Dip in July -

From 2008 to 2012, bank sales – or foreclosure sales – propped up what was an otherwise crumbling real estate market.

After several years of historically high bank sales, that inventory has finally thinned out and their months-long decline is impacting overall sales figures, according to several Memphis-area Realtors.

81. Southern Airways Plans SEC Football Flights -

Southern Airways has released its schedule for the 2014 season of SEC football flights, concentrated around the games of five key teams within Southern’s standard route map.

The schedule includes five University of Alabama games, 10 Auburn University games, all 12 University of Mississippi games, four University of Arkansas games and four University of Florida games.

82. Events -

L’Ecole Culinaire will host a community back-to-school beach party open house Friday, Aug. 8, from 3:30 p.m. to 6:30 p.m. at the school, 1245 N. Germantown Parkway. The event will include food samples from coastal regions, hands-on activities and information about the school and culinary careers. Cost is free. Email robin.levan@vatterott.edu or call 314-264-1812.

83. Tigers Land Forward Calvin Godfrey -

As first reported by ESPN.com’s Jeff Goodman, forward Calvin Godfrey is coming to the University of Memphis as a transfer from Southern University.

84. Events -

L’Ecole Culinaire will host a community back-to-school beach party open house Friday, Aug. 8, from 3:30 p.m. to 6:30 p.m. at the school, 1245 N. Germantown Parkway. The event will include food samples from coastal regions, hands-on activities and information about the school and culinary careers. Cost is free. Email robin.levan@vatterott.edu or call 314-264-1812.

85. Lessons Learned From Millennials -

Much of the research about employment suggests older workers are waiting longer to retire. This means many seasoned professionals are also still job searching. And, many of those are struggling to find their way.

86. Paying Attention -

ON MY WATCH. AND YOURS. Mrs. Parker tends her corner of the garden at Trezevant with loving dedication, looking up from her planting and fussing with a gloved wave to Nora and me as we walk by of a morning. A couple of years ago, she presented us with a bag of ginger lily roots. Hers was taking up too much room, and she didn’t want it to spread any more.

87. -

SPORTS
...

88. Shelby County Mortgage Market Dips in July -

Kathee Villar, a loan officer with Community Mortgage Corp., has worked for the lender for 23 years, and when you’re in that kind of place for that length of time, certain patterns start to repeat themselves.

89. Southern Airways Plans SEC Football Flights -

Southern Airways has released its schedule for the 2014 season of SEC football flights, concentrated around the games of five key teams within Southern’s standard route map.

The schedule includes five University of Alabama games, 10 Auburn University games, all 12 University of Mississippi games, four University of Arkansas games and four University of Florida games.

90. Events -

Memphis Light, Gas and Water board will meet Thursday, Aug. 7, at 1:30 p.m. in the MLGW administration building 220 S. Main St. Visit mlgw.com.

91. Rail House Mystery -

Editor’s note: First in a three-part series. If you’re passing through Aberdeen, N.C., you should have no trouble finding Railhouse Brewery on East South Street. Moore County’s only microbrewery stands in the middle of downtown, just a few feet from the train track.

92. 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.

93. Polls Open Under Eye of Federal Monitors -

Memphis Democrats declared victory two days before the Thursday, Aug. 7, election day in Shelby County.

It wasn’t anything they saw in the early voting turnout numbers. The turnout there was less than it was four years ago in the set of county general election and state and federal primary races.

94. TVA to Cut More Than 2,000 Jobs -

CHATTANOOGA, Tenn. (AP) – The nation's largest public utility is eliminating more than 2,000 jobs as part of a $500 million cost-cutting campaign.

The Chattanooga Times Free Press reports the Tennessee Valley Authority is making the cuts this year to pare expenses and make electric rates in the Tennessee Valley more competitive with neighboring utilities.

95. Poll: Obama Health Law is a Tale of 2 Americas -

WASHINGTON (AP) – President Barack Obama's health care law has become a tale of two Americas.

States that fully embraced the law's coverage expansion are experiencing a significant drop in the number of uninsured residents, according to a major new survey released Tuesday. States whose leaders still object to "Obamacare" are seeing much less change.

96. Target Lowers Forecast, Estimates Breach Costs -

NEW YORK (AP) – Target has lowered its second-quarter forecast citing the promotional discounts it had to use to attract shoppers.

The Minneapolis-based retailer also said Tuesday it expects gross expenses tied to a massive data breach this past winter to come to $148 million in the period, which will be offset by $38 million in insurance. It also paid $1 billion to retire $725 million in debt.

97. 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.

98. Events -

Kiwanis Club of Memphis will meet Wednesday, Aug. 6, from noon to 1 p.m. at The University Club of Memphis, 1346 Central Ave. Michelle Fowlkes of the Memphis Crime Commission will speak. Cost is $18 for nonmembers.

99. Brand Lessons from Apple -

The essence of a brand isn’t so much about rationale arguments; instead, it’s how it makes the market feel emotionally. So believed the late Steve Jobs.

“Nike sells a commodity; they sell shoes. And yet when you think of Nike you feel something different than a shoe company. In their ads, as you know, they don’t ever talk about the product... What’s Nike do in their advertising? They honor great athletes and… great athletics. That is what they are about.”

100. Wal-Mart's Website to Personalize Shopping -

NEW YORK (AP) – Wal-Mart, in its latest bid to compete with nemesis Amazon.com, is rebuilding its website to further personalize the online shopping experience of each customer.