Editorial Results (free)
1. Renting vs. Buying
- Friday, May 11, 2018
Ray’s Take: Buying a home used to be the pinnacle of living the American Dream and the trophy of your financial success. Conventional wisdom held that you either paid your own mortgage or someone else’s.
2. New Lynching Memorial Evokes Terror of Victims
- Tuesday, April 24, 2018
MONTGOMERY, Ala. (AP) – Visitors to the new National Memorial for Peace and Justice first glimpse them, eerily, in the distance: Brown rectangular slabs, 800 in all, inscribed with the names of more than 4,000 souls who lost their lives in lynchings between 1877 and 1950.
3. AP Journalists Recall Covering MLK Assassination
- Thursday, April 5, 2018
Nancy Shipley was working in a news office in Nashville, Tennessee, when the call came 50 years ago. Gene Herrick was in Chicago routing photos to newspapers when his phone rang. Jack Thornell got the call in New Orleans; Kathryn Johnson heard the news in Atlanta.
4. 'This Was Like A War': Witnesses Remember Day MLK Was Shot
- Tuesday, April 3, 2018
MEMPHIS, Tenn. (AP) – Clara Ester's eyes were fixed on the Rev. Martin Luther King Jr. as he stood on the concrete balcony of the Lorraine Motel.
5. Davy Crockett’s Fine, But Let’s Not Get Carried Away
- Thursday, March 29, 2018
The Tennessee General Assembly is making some monumental decisions these days – literally.
Not only is the Legislature prepared to put a statue of Tennessee folk hero Davy Crockett in front of the State Capitol, replacing obscure Nashville politician Edward Carmack, it’s also likely to erect a monument, or memorial, to unborn children in the ongoing battle against abortion.
6. What Do Statewide Candidates Say About Infrastructure Investment?
- Saturday, March 24, 2018
Is investment in public infrastructure important? And should Tennessee have more dedicated revenue sources to pay for construction and maintenance of infrastructure across the state, or is the existing tax structure – primarily the state tax on fuel, and wheel taxes – sufficient to pay for what Tennessee needs to sustain and grow its economy?
7. Customer-Focused Government Not Always a Pleaser
- Thursday, February 8, 2018
Gov. Bill Haslam is fond of saying government should run more like a business, and during his eighth and final State of the State address he invoked the term “customer-focused” at least twice in a victory lap.
8. FDA Clears In2Bones’ See-Through Bone Plates
- Monday, December 11, 2017
Memphis-based medical device maker In2Bones USA LLC, a subsidiary of In2Bones Global Inc., has received U.S. Food and Drug Administration clearance for an addition to its CoLink Forefoot Bone Plating System that will allow surgeons to view patients’ bones healing through a see-through hub.
9. Promising 'A Better Deal,' Democrats Try to Rebrand Party
- Tuesday, July 25, 2017
BERRYVILLE, Va. (AP) – Promising "A Better Deal" for American workers, Democratic Party leaders rolled out a new agenda with a populist pitch on Monday as they sought to bounce back from their losses in November and look ahead to the 2018 midterms.
10. Micromanaging Nashville is Job 1 for Legislature
- Thursday, July 6, 2017
Metro Nashville is used to getting hammered by the Legislature’s Republicans.
Nearly every time the Metro Council tries to come up with a solution to growing problems, conservatives in the General Assembly swoop in and save the rest of the state from Music City’s attempts to better handle its success.
11. Legend Johnny Mathis Still Going Strong, Coming to Memphis
- Thursday, May 11, 2017
As the story goes, Johnny Mathis was 8 years old and living on Post Street in San Francisco when his father purchased a piano for $25 and brought it home. But there was a problem: Clem Mathis couldn’t fit the piano through the front door of their small flat.
- Saturday, April 1, 2017
National Civil Rights Museum will hold its annual April 4 Commemoration, a community-focused observance of Dr. Martin Luther King Jr.’s life and legacy, Tuesday, April 4. The event will feature the changing of the wreath on the balcony of Room 306, where King was slain, and a moment of silence at 6:01 p.m., the time the shot was fired. Other events are scheduled throughout the day. Visit civilrightsmuseum.org for details.
13. Keep Your Finances on Track
- Friday, March 10, 2017
Ray’s Take Not being careful about precisely where your money is going can leave you struggling to pay for necessities like groceries now and retirement later. Taking just a small amount of time to do some tasks now can lead to big financial wins all year long – and into the future.
14. View From the Hill: Outsourcing Win More About Turf Than Trends
- Thursday, March 9, 2017
As Fall Creek Falls folks celebrate a state decision to postpone park privatization, the question is whether public opposition or failure to follow long-standing state protocol led to the plug-pulling.
15. View From the Hill: Haslam Facing Tough Sell on Tax Hikes, Cuts
- Thursday, January 26, 2017
An interesting thing happened just a couple of hours before Gov. Bill Haslam unveiled his fuel-tax increase plan amid great fanfare at the State Capitol.
As the governor started explaining the proposed IMPROVE Act to reporters during a short media briefing, he apparently realized more people were poring over a handout than paying attention. They were trying to get a jump on writing stories while digesting the numbers combined with an array of tax breaks designed to make tax increases more palatable.
16. Final Goodbye: Roll Call of Some of Those Who Died in 2016
- Monday, January 2, 2017
Death claimed transcendent political figures in 2016, including Cuba's revolutionary leader and Thailand's longtime king, but also took away royals of a different sort: kings of pop music, from Prince and David Bowie to George Michael.
17. Fixed Costs: Overhead That May Be Costing You Too Much
- Friday, December 30, 2016
Ray’s Take There’s an old cash flow joke about having too much month at the end of the money. It’s usually more a function of spending than earning. For most people there’s a lot more control over the expenditures side of the equation than there is over the income – at least in the short run. So cutting how much you spend on extras sounds great. But how much of your spending can really be reduced or eliminated? Too much “overhead” can result in disaster.
18. Design Board OKs Signs For ServiceMaster, Old Dominick
- Friday, December 9, 2016
After the votes were cast, Downtown Memphis Commission president Terence Patterson said he could not contain his excitement over ServiceMaster’s newly approved sign package.
19. Why is It So Difficult for Tennessee To Oust Indicted Politicians?
- Thursday, November 10, 2016
Tennessee is lagging much of the nation when it comes to the ability to remove scoundrels from public office.
And, make no mistake, the Volunteer State has had its fair share of ne’er-do-well politicians who would likely have been thrown out of office if the proper procedures had been in place.
20. Estate Planning – It’s a Need
- Friday, September 23, 2016
Ray’s Take When talking about money and how it works in our lives, we often refer to the difference between wants and needs. The challenge being that when someone really wants something it can start to feel like a need.
21. No Quick Fix in State Health Insurance Issue
- Thursday, September 15, 2016
State Rep. Ron Travis is perplexed.
On one hand, the Republican from Dayton is concerned with escalating premiums for Tennesseans participating in the insurance marketplace, worried costs are increasing to the point people simply can’t afford health insurance.
22. Money Lessons They Don’t Teach in School
- Friday, August 19, 2016
Ray’s Take Less than half of states in the U.S. require the students at public high schools to take a personal finance class before they graduate. So, many young people learn through the “school of hard knocks” once they get out in the real world.
23. Matlock the ‘Truth,’ ‘Justice’ Candidate For Tennessee House Speaker
- Thursday, August 18, 2016
Republican state Rep. Jimmy Matlock insists his quest for the House Speaker’s post is not a challenge of Beth Harwell’s leadership.
But it’s clear he sees a need for change.
24. Task Force’s New Health Plan Promising
- Thursday, July 7, 2016
A 3-Star Healthy Task Force appointed to propose a method for catching Tennesseans in a health care coverage gap is taking a politically safe road to reach the same goal as Insure Tennessee.
Yet the route, a TennCare expansion with “triggers” and “circuit breakers,” holds so much uncertainty it’s hard to figure out if the panel will find its destination.
25. Last Word: The Friendly Church on the Parkway and Paxton Lynch's Mom
- Wednesday, April 27, 2016
He came to Memphis in the late 1950s from Chicago as the first pastor of Monumental Baptist Church, the “friendly church on the parkway” in a city that was anything but friendly to the causes of Rev. Samuel Billy Kyles.
26. Insure Tennessee: In Like A Lion, Out With A Committee
- Thursday, April 21, 2016
What started with a roar is ending with a whimper.
On the first day of the 2016 legislative session, dozens of Insure Tennessee supporters rallied, shouted and sang songs outside the House chamber.
27. ‘Fearless’ Stewart Embraces Battles With Supermajority
- Saturday, March 12, 2016
Democratic state Rep. Mike Stewart lives on the front lines of the Tennessee General Assembly. As chairman of the House Democratic Caucus with 26 members, Stewart could employ a bunker mentality, but instead has chosen to take the fight to the other side of the aisle.
28. Tackling Debt Confusion
- Friday, February 12, 2016
Ray’s Take If we’re honest, we should admit that debt is only incurred when we want something that we haven’t saved for. That said, there are two types of debt – good debt and bad debt. And it’s important that you know not only the difference between them, but how they affect your lifestyle and financial plans. This gives you confidence to know when it’s prudent to go ahead and borrow money.
29. Minority Leader Harris Confident Even on Wrong Side of Supermajority
- Thursday, February 4, 2016
Lee Harris says he ran for state Senate because he felt Memphis could do better on Capitol Hill, defeating Ophelia Ford in 2014.
30. Things to Consider Before You Invest
- Friday, January 29, 2016
Ray’s Take The great recession of 2007-2009 and its associated bear market seem like a long time ago. The relatively small setback of 2015 seems very tame in the context of the gains since March of 2009. This is a good time to take a few steps back and review investment goals and expectations.
31. Memphis Legislators Sound Off On State-Run School District
- Wednesday, January 6, 2016
Armed with a Vanderbilt University study showing Shelby County schools that were taken over by the state’s Achievement School District are showing little to no improvement, Memphis legislators are nearly ready to kill the experiment.
32. Refugees, Regents, Privatization On Tap for New Session
- Friday, January 1, 2016
State Sen. Ken Yager isn’t quite ready for the state of Tennessee to reclaim the Refugee Resettlement Program from Catholic Charities.
33. If Fear Is Goal, Terrorists Have Won in Tennessee
- Thursday, November 26, 2015
The terrorists who struck Paris three weeks ago succeeded in more than killing and wounding hundreds of people. Their attack is pitting Americans against each other in how to respond, and Tennessee politicians are no exception.
34. Campbell Clinic Shows Off New Spine Center
- Friday, October 23, 2015
Campbell Clinic CEO George Hernandez was waiting to greet guests once they stepped out of the elevators and onto the fifth floor at 8000 Centerview Parkway, home to his clinic’s new spine center where he was helping direct traffic during an open house Wednesday night.
35. Things You Should Invest In
- Thursday, October 22, 2015
Ray’s Take It’s important to save where you can, but it’s just as critical to spend where you should.
Given the market volatility in the past decade, many have focused on spending less and saving more, being more frugal and thinking things through before making purchases. But there are some exceptions, times when you should spend money. Because, in the long run, you’ve invested not only in yourself, but also in lowering future costs.
36. Investing in a Low-Return Environment
- Thursday, September 10, 2015
Ray’s take: In these days of lower returns on investments, the markets and interest rates in particular haven’t been providing as much of a helping hand as in the past. So, in order to achieve your goals, you may need to do more of the “heavy lifting” yourself. This means reviewing your accounts regularly to determine if you’re saving enough to meet your financial goals.
37. Is State’s Role to Provide a Service or Turn a Profit?
- Thursday, September 3, 2015
Tennessee Gov. Bill Haslam appears to be on the brink of privatizing state government. But he won’t be able to do it without a battle, especially from university unions and Democratic lawmakers.
38. House Scraps Vote on Confederate Flag in Federal Cemeteries
- Friday, July 10, 2015
WASHINGTON (AP) – The Republican-controlled House scrapped a vote on permitting the Confederate flag at Park Service-run cemeteries – including four in Tennessee – on Thursday, a retreat under fire that only escalated a ferocious attack by Democrats complaining the banner celebrates a murderous, racist past.
39. Gift It or Will It?
- Thursday, June 4, 2015
Ray’s take: Is it better to give now or leave items in your will to beneficiaries? This depends on your own plans, but here are some things to consider.
You can currently make annual tax-free gifts of up to $14,000 per recipient. If you are married, you and your spouse together can give $28,000 per recipient per year. You can either give $14,000 each, or one spouse can make a $28,000 gift with the consent of the other spouse on a timely filed gift tax return. You can also give an unlimited amount for tuition and medical expenses, if you make the gifts directly to the educational organization or health care provider.
40. East Tennessee’s Endangered 8
- Saturday, May 16, 2015
The East Tennessee Preservation Alliance’s list of endangered heritage sites for the region:
1. The Stonecipher-Kelly House in Morgan County was built around 1814 by the first permanent white settlers in that area, as part of a Revolutionary War land-grant.
41. Grizzlies’ Carter, Lee Confident Long-Range Shots Will Fall
- Wednesday, April 1, 2015
The Memphis Grizzlies take and make fewer 3-point shots than any team in the NBA not named the Minnesota Timberwolves.
Yet in the early days of this season, when seemingly everything the Grizzlies did went right, guard Courtney Lee was at the top of the league’s 3-point shooting list and point guard Mike Conley wasn’t far behind.
42. SEC West Race Opens Up to Possibilities
- Tuesday, November 18, 2014
“One of the greatest drives in Alabama history, probably.”
Those were coach Nick Saban’s words after quarterback Blake Sims led the Crimson Tide on a 15-play, 76-yard put-away drive against Mississippi State. Before the drive, the lead was 19-13 Alabama. After it, 25-13. Though the Bulldogs would score a touchdown near game’s end and try an onside kick – Alabama won 25-20 – it was that drive that could be the defining memory when the College Football Playoff Selection Committee actually selects and seeds the final four.
43. A Gift That Can Give For A Lifetime
- Thursday, October 23, 2014
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.
44. Ag Tourism Touted as Way to Boost Rural Economies
- Tuesday, August 5, 2014
CHARLES TOWN, W.Va. (AP) – With its sweet fruit-flavored liqueurs, a working farm and eccentric cast of characters – including a dancing lemon – Bloomery Plantation Distillery has attracted tourists from every U.S. state and countries as far away as Laos and Iceland.
45. Real Pastime: Forgiving Our Stars
- Friday, August 1, 2014
A story on baltimoreravens.com carried the following headline: “Ravens fans give Ray Rice a standing ovation.”
46. Mind Over Data Captures Imagination With Touch Screens
- Monday, May 19, 2014
Mind Over Data is one of those Memphis companies that tends to fly under the radar, even though its high-tech handiwork can be found across the country and easily touches the imagination of people who encounter it.
47. Congress is Giving States the Transportation Blues
- Wednesday, April 16, 2014
DAYTON, Ohio (AP) – On the road in a tour bus this week, the U.S. transportation secretary is spreading some bad news: the government's Highway Trust Fund is nearly broke. If allowed to run dry, that could set back or shut down projects across the country, force widespread layoffs of construction workers and delay needed repairs and improvements.
48. Actions Should Speaker Louder Than Words
- Friday, February 28, 2014
The Sports Morality Police have pinned on their badges and are cracking down on athlete-on-athlete crime.
You know, those vicious moments where one millionaire calls another millionaire a name across the line of scrimmage in what amount to little more than a grunt.
49. Election Filing Pace Quickens as Deadline Nears
- Wednesday, February 19, 2014
The May 6 Shelby County primary races began to move toward their final form Monday, Feb. 17, just ahead of the noon Thursday filing deadline for candidates.
Shelby County Commissioner Steve Mulroy brought the Democratic primary race for county mayor to four as he filed his qualifying petition Monday afternoon.
50. Healing in Las Vegas
- Thursday, February 13, 2014
Last year, I injured my left ring finger. Despite treatment, it got worse. By year’s end, it was popping each time I opened my hand. And hurting like crazy when I squeezed my hand shut. My family doc diagnosed “trigger finger” and assured me minor surgery could fix it.
51. Are Weddings Really Worth Huge Expense?
- Thursday, February 13, 2014
Ray’s Take I once heard it said that large cathedral weddings cost around $1,000 per step – and some churches have long aisles! According to TheKnot.com, U.S. couples spend an average of over $25,600 on their weddings. Of course, that’s the “average” amount. When you take the mean cost – the point where most weddings cluster – the cost is just over $18,000 – still a substantial sum.
52. You Can Save Too Much for Retirement
- Thursday, January 23, 2014
Ray’s Take Around half of all workers older than 55 have less than $50,000 saved for retirement. We hear this message over and over along with warnings that many Americans may never be able to afford to quit working. Some respond by effectively giving up hope. Others keep saving, but live in constant anxiety that it probably won’t be enough. They may be fine and not even know it!
53. Home Electricity Use in US Falling to 2001 Levels
- Tuesday, December 31, 2013
NEW YORK (AP) – The average amount of electricity consumed in U.S. homes has fallen to levels last seen more than a decade ago, back when the smartest device in people's pockets was a Palm pilot and anyone talking about a tablet was probably an archaeologist or a preacher.
54. Robertson to Retire National Civil Rights Museum Post
- Monday, December 2, 2013
Beverly Robertson, president of the National Civil Rights Museum for 16 of its 22 years, will guide the institution through its first major renovation that debuts in March and will retire from the museum’s leadership in July.
55. Team Players
- Saturday, November 23, 2013
The key players, from Memphis Mayor A C Wharton Jr. to St. Louis Cardinals chairman and CEO Bill DeWitt Jr., grabbed the microphone at an invitation-only rally held on the club level of AutoZone Park and made their best pitches.
56. Think Twice Before Picking Retirement Date
- Thursday, September 26, 2013
Ray’s Take “When I hit age 65, I’m out of here,” is a common enough observation. Global competition, increased governmental regulation and the speed of technological innovation have made working careers more unnerving than ever. That magical number “65” was selected a long time ago when life expectancies were a good bit shorter. We run our retirement models to at least age 95 now. Delaying retirement beyond that magical number of 65 for even a few years can make a significant difference in your financial security.
57. Hornsey Showcases Versatility as Tigers Punter
- Wednesday, September 18, 2013
After a disappointing 0-2 start to the season, there are not a lot of topics that University of Memphis football coach Justin Fuente can embrace without qualifiers and caveats. But senior punter Tom Hornsey is one.
58. Bundle of Joy Can Cost You Bundle of Cash
- Thursday, August 29, 2013
Ray’s Take I was asked once if two could live as cheaply as one. I answered, “Certainly, as long as one of them didn’t eat or wear clothes.” Most couples realize having a baby is going to mean extra expenses. However, many are shocked when they realize just how high those expenses are. According to the U. S. Department of Agriculture, a child born in 2011 will cost an average of $235,000 to raise to age 17. That number doesn’t include a penny for private tuition or college.
59. Rich Doesn’t Mean Successful
- Thursday, August 15, 2013
Ray’s Take Society tends to equate the possession of riches with a happy, successful life and the pursuit of riches as the best course to achieve success. That’s a rather limited definition, however, and reality doesn’t bear it out. Studies show that the 100 richest people in this country are only slightly more satisfied with their lives than the average person. As the saying goes, “money doesn’t buy happiness.”
60. Get Real About Selling Your Home
- Thursday, July 11, 2013
Ray’s Take Selling your home is one of the biggest financial transactions you’ll probably make. It’s a time to stay cool and realistic. However, most of us have a big emotional investment in our homes alongside a significant financial one. You probably selected it because you loved it, were excited to move in and built special memories there.
61. Should Kids Work?
- Thursday, June 27, 2013
Ray’s Take Like it or not, eventually most kids are going to have to enter the workplace, so why not let them learn something about the “real world” while school is still their main focus? After all, learning to balance work and other pursuits is central to a successful life.
62. A Year Later: ZeroTo510 Companies Still Going
- Thursday, June 20, 2013
Charleson Bell thought he and his associates had a solid business model for the startup they launched last year called BioNanovations, which is developing devices that use bionanotechnology for quickly diagnosing bacterial infections.
63. Talk About Money Before Taking Vows
- Thursday, May 16, 2013
Ray’s Take You’re blissfully in love and happily engaged to your soul mate. The future looks idyllic. Unfortunately, that doesn’t mean your fiancé is your ideal financial mate. In fact, a study by professors from The Wharton School and Northwestern University revealed financial opposites tend to be attracted to each other, and those marriages often face significant challenges. With some honest and open discussion in advance, that doesn’t have to happen to you.
64. In Need of Relief
- Saturday, April 13, 2013
Perhaps it is only too appropriate that baseball is played without a clock. For securing the future of the Memphis Redbirds may require extra innings, not to mention extra effort.
The ballpark was on the leading edge of revitalizing Downtown when it opened in 2000 at Third and Union. This, of course, was “B.G.” in Memphis – Before the Grizzlies. Also, before FedExForum. The city was ready for something big and bold – something that showed Memphis could overachieve, not underachieve.
65. Are Foreclosures or Short Sales Worth It?
- Thursday, March 28, 2013
Ray’s Take This is in many ways a fantastic time to be looking for a new home. In addition to historically low mortgage rates, there are a lot of distressed properties on the market – homes for sale as foreclosures or short sells. There are plenty of bargains to be had, but also plenty of risks and financial pitfalls along the way.
66. Analysis: Obama, GOP See No Need to Stop the Cuts
- Monday, February 25, 2013
WASHINGTON (AP) – Unlike in earlier rounds of budget brinkmanship, President Barack Obama and congressional Republicans both seem content to fight out their latest showdown on the current terrain, let across-the-board spending cuts take effect on March 1 and allow them to stay in place for weeks if not much longer.
67. Hand Family Files Loan on Local Properties
- Tuesday, February 19, 2013
45 W. E.H. Crump Blvd.
Memphis, TN 38106
Loan Amount: $3.2 million
Loan Date: Feb. 4, 2013
Maturity Date: N/A
Borrower: The Hand Family Realty Co. LLC
Lender: JPMorgan Chase Bank NA
Details: The Hand Family Realty Co. LLC has filed a $3.2 million loan on its Memphis portfolio, including the Anheuser-Busch distribution facility at 45 W. E.H. Crump Blvd. south of Downtown.
68. Hand Family Files Loan on Local Properties
- Wednesday, February 13, 2013
The Hand Family Realty Co. LLC has filed a $3.2 million loan on its Memphis portfolio, including the Anheuser-Busch distribution facility at 45 W. E.H. Crump Blvd. south of Downtown.
69. Reconsider Your W-4 Withholding
- Thursday, February 7, 2013
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.
70. Ravens’ Cox Long Snaps Way Into Anonymity
- Friday, February 1, 2013
There’s more than one way to reach the big game.
For Briarcrest Christian School graduate Michael Oher, his journey was storybook and he’ll start on the offensive line for the Baltimore Ravens on Sunday, Feb. 3, when they play the San Francisco 49ers at the Superdome in New Orleans.
71. Visions of Grace
- Friday, November 16, 2012
CHICKEN WIRE AND TIFFANY. This Saturday, seven windows of Louis Comfort Tiffany are open at Grace-St. Luke’s Episcopal Church, and his brilliant lamps shine through Jan. 13 at the Memphis Brooks Museum of Art.
72. Excise Tax Looms for Local Device Companies
- Monday, October 15, 2012
A new excise tax will be levied on medical devices beginning Jan. 1, and the impact will be significant for medical device companies with a Memphis presence.
Large players like Wright Medical Technology Inc. and fledgling outfits like Arrowhead Medical Device Technologies Inc. are preparing for the 2.3 percent pinch on each device sold in the U.S., including pacemakers and stents, defibrillators, artificial joints, chemotherapy delivery systems, surgical tools and X-ray machines.
73. New Forensics Center Takes Technological Leap
- Friday, August 31, 2012
The new $13 million Regional Forensic Center that formally opened Wednesday, Aug. 29, at 637 Poplar Ave. is the first facility of its kind in West Tennessee that is not a hand-me-down adapted pathology center.
74. Congestion Woes
- Friday, August 3, 2012
Tennessee Transportation Commissioner John Schroer told the Regional Logistics Council Thursday, Aug. 2, that his office has the “right priority list” of road projects for the Memphis area.
75. Cohen Talks About Opponents, Schools, Race and His Political Past
- Monday, July 23, 2012
U.S. Rep. Steve Cohen is running for a fourth term in Congress starting with the Aug. 2 primary, in which he is being challenged by countywide school board member Tomeka Hart.
76. Be Careful With Charitable Giving
- Thursday, June 21, 2012
Ray’s Take Charities are facing increasing demand and costs and more cautious donors given the uncertain economy. They look to individuals for more than 80 percent of their funding. Many believe that “giving back,” if they can afford to and are meeting their other responsibilities, is part of being a good citizen. However, it is important to do basic due diligence so your donations are effective.
77. Should Teens Have Credit Cards?
- Thursday, May 10, 2012
Ray’s Take While I don’t like debt – especially credit card debt – I do realize that credit cards are a necessary tool today. This means part of raising your kids to be responsible adults requires teaching them how to use credit cards the right way; by teaching them to control their spending and pay off their credit card each month, on time and in full. I have seen an extraordinary amount of pain and suffering result from a lack of understanding of credit cards.
78. Plan Your Funeral For Family’s Sake
- Thursday, April 12, 2012
Ray’s Take Whether death comes unexpectedly or after a long illness, it is always a very difficult and emotional time for family members. Since you won’t be there to help and comfort them, you can make the choice to pre-plan your funeral to make things a bit easier.
79. Is Refinancing Your Home Wise?
- Thursday, April 5, 2012
Ray’s Take: Home mortgage interest rates continue to be low, causing many homeowners to wonder whether they should consider refinancing, even if they feel like they just did it. The answer is “maybe,” but there are a lot of things to take into consideration.
80. What Should Drive a Car Purchase?
- Thursday, February 9, 2012
Ray’s Take Whether you opt for a new or used vehicle, cars are not cheap. Even though you might spend a substantial amount of money on them, they’re not investments either. Plain and simple, a car is an expense.
81. Don’t Let Possessions Mar the Art Of Investing
- Thursday, January 12, 2012
Ray’s Take With an erratic stock market and banks paying virtually no interest, it’s no wonder people are looking for alternative investments. There’s been a buzz lately about something I haven’t seen interest in since the 70s – art and collectibles as investments, and I have two words to say about that: Bad idea.
82. Expect, Plan For Unexpected
- Thursday, December 22, 2011
Ray’s Take Odds are you will encounter financial emergencies in your lifetime. They could range from the relatively minor – like damaging the family car – to something as devastating as complete home destruction. You simply should expect that the unexpected will happen and, at a minimum, have six months’ worth of living expenses set aside in savings or money-market accounts you can readily access.
83. NTSB Recommends Banning Drivers’ Use of Elec. Devices
- Wednesday, December 14, 2011
WASHINGTON (AP) – States should ban all driver use of cell phones and other portable electronic devices, except in emergencies, the National Transportation Board said Tuesday.
The recommendation, unanimously agreed to by the five-member board, applies to both hands-free and hand-held phones and significantly exceeds any existing state laws restricting texting and cellphone use behind the wheel.
84. Can You Afford to Retire?
- Thursday, December 1, 2011
Ray’s Take: Baby Boomers are on the brink of retirement. Or are they? The recent market downturn changed retirement plans for many people as investments shrank and homes lost their value.
85. Civil Rights Museum Kicks Off Capital Campaign
- Thursday, October 27, 2011
As he became governor of Tennessee in January, Bill Haslam encountered first-hand the drawing power and the dilemma of the National Civil Rights Museum.
Haslam twisted his way through a packed museum on the observance of the federal holiday honoring Dr. Martin Luther King Jr., who was assassinated in 1968 on the balcony of the Lorraine Motel – which is now the museum. It was two days after Haslam took the oath of office as governor.
86. 4 Airports Try Limited Low-Hassle Security Checks
- Wednesday, October 5, 2011
ATLANTA (AP) – A small group of frequent fliers began using lower-hassle security lines Tuesday in exchange for sharing more personal information with the government in a trial program at four U.S. airports.
87. Sen. Alexander Recalls Early Days of Governorship
- Monday, October 3, 2011
U.S. Sen. Lamar Alexander of Tennessee said he tends to favor the trio of governors in the still forming field for the Republican presidential nomination.
“I like the governors,” Alexander, a former governor of Tennessee, told more than 100 students last week at the University of Memphis Cecil C. Humphries School of Law. “I think President Obama has many admirable qualities and some policies I agree with. But I think what’s not as strong is (his) executive leadership.”
88. Feds Seek Anonymous Jury in Drug Case
- Thursday, September 15, 2011
Federal prosecutors want an “anonymous jury” for the trial next year of four men accused of being contract killers for the largest drug ring ever tried in U.S. District Court for the Western District of Tennessee in Memphis.
89. Political Hobnobbing
- Friday, September 9, 2011
The group of around 100 people in the plaza of AutoZone Park Wednesday, Sept. 7, led a few passersby to think a ballgame was under way.
But politics was the only sport in the plaza during the Greater Memphis Chamber’s annual HobNob In The Park gathering.
90. $25M Baggage Screening Slated for MEM
- Friday, September 2, 2011
In the 10 years since the 9/11 terrorist attacks, security measures at Memphis International Airport have changed the face of the airport as well as the pace and routine of passengers.
The evolving technology that has come with the increased security measures is a multimillion-dollar undertaking, one that took another step forward this week.
91. Senate Dems Give Way to GOP to End FAA Shutdown
- Monday, August 8, 2011
WASHINGTON (AP) – The Senate approved legislation Friday ending a two-week partial shutdown of the Federal Aviation Administration and President Barack Obama signed it into law, clearing the way for thousands of employees to return to work and hundreds of airport construction projects to resume.
92. Affidavit: Millington Mayor Took Part in Illegal Gambling
- Monday, August 8, 2011
Millington Mayor Richard Hodges was into an illegal gambling operation for more than $10,000 and the town’s police chief, Ray Douglas, watched the gambling but didn’t participate, according to an affidavit by a Tennessee Bureau of Investigation special agent filed Friday, Aug. 5, with the Shelby County Criminal Court Clerk’s office.
93. Avoid Wedding Bell Budget Blues
- Thursday, July 28, 2011
Ray’s Take: Like most parents, you want to give your child a wedding to remember, and you set a budget accordingly. Unfortunately, the total wedding cost has a tendency of creeping skyward. A lot of that additional cost shows up in small increments – spending just a bit more on the venue or adding some special touch – but it all adds up to a real budget buster.
94. Open Door
- Monday, July 25, 2011
By 2050, it’s projected all minorities combined will represent more than 50 percent of the U.S. population, and as the United States moves closer to becoming a minority-majority nation, the growing Hispanic population is increasingly becoming a major power player in the new economy.
95. Charging Ahead
- Monday, July 11, 2011
A row of four electrical outlets with cords in the Peabody Place garage Downtown are a first for the city’s hospitality industry and retailers in general – charging stations for electric vehicles.
96. Stores Find Success by Focusing on the Hunt
- Wednesday, July 6, 2011
Trader Joe's, the specialty grocery chain, might not have the cheapest toilet paper or the most varieties of ketchup, but it hooks customers with mango butter, chocolate-covered pomegranate seeds and cilantro-and-jalapeno hummus.
97. End of the Road
- Monday, July 4, 2011
Not long after the Federal Reserve announced a controversial program in November 2010 to buy $600 billion in U.S. government securities, Tennessee’s junior senator found himself besieged by incredulous voters at a town hall meeting in Memphis.
98. End of the Road
- Friday, July 1, 2011
ot long after the Federal Reserve announced a controversial program in November 2010 to buy $600 billion in U.S. government securities, Tennessee’s junior senator found himself besieged by incredulous voters at a town hall meeting in Memphis.
99. Opening of Floodgates Empties Many Cajun Towns
- Tuesday, May 17, 2011
BUTTE LAROSE, La. (AP) – Cajun-country towns in the path of Mississippi River floodwaters were all but deserted Monday as residents heeded warnings to seek higher ground after a major floodgate was opened for the first time in four decades.
100. Training Ground
- Friday, April 29, 2011
The first thing many Memphis Catholic High School alumni notice is that the Midtown school hasn’t changed since they went there. But they do notice a difference in the student body. The private school had always been a mix of middle- and upper-class students – some with well-known last names and some who were children of blue-collar families. That changed in the 2006-2007 school year.