“Today Shapes Tomorrow

Published Every Monday Since 2007       Volume 456              
August 31, 2015
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 Little Laughs!
Knock...Knock...Who is there? FedEx...FedEx who?
FedEx will be there tomorrow!
What is the worst kind of cat? 
CAT-astro-phe !

What do you get when you cross snowman with vampire
What kind of Bill can you breath?
Why did Dino go to the hospital?

Because he was (Dino) "Saur".
How do you make eleven even?

Take away the "el."


How do you make seven even?

Take away the "s"


Why did the chicken cross the railroad track?

Because it wanted to get to the Chick train.


What is a duck on the 4th of July?

A Fire-Quacker!!


Knock, Knock...Who is there?Banana...Banana who?  Banana...Banana who?Banana...Banana who? OR-ange...Aren't you glad I didn't say banana?


Are you 5?

No! I am not 5!  I am 4.95 plus shipping and handling!


Knock knock...Who is there?  Panther!Panther, who?   PantH-or-no-PantH I am going Thwiming!


Laughs above are credited to kids and various sources.

Business fun facts!


Over $18 Trillion a year is spend on Consumer Goods worldwide. Women account for almost two third of it. Just think about this women power!

Did you know the ancestry of American people? It is a melting pot of immigrants from all over the world. This trend continues today. These immigrants make the America great, including best in business.

There are over 300 million Americans. Ancestry of Americans include approximately Germans over 14%, African American 12%, Irish 12%, English 8%, Mexican 8%, Italian 6%, Hispanic 5%, French 4%, Polish Scottish, Dutch, Norwegian, Scotch-Irish, Native American, and Swedish are between 1-3% but add up to 11%. The rest are from other countries.

About US housing

At the end of 2008 approximately 7 out of 10 people in the US owned a home. The US population is over 300 million.

In 2008, $3.3 Trillion was the total loss in value for the US housing market. In early 2006 housing market value was close to $9.4 Trillion.

Not so fun fact…there are over 15 million home owners with questionable mortgage loans. Experts believe that 2/3 or over 10 million have potential of foreclosure...but this number is going down


  • Over 55 million kids (3 yrs and older) go to pre-K to 12th grade
  • Public schools 50.1 million or 91% and Private schools 4.9 million or 9% of the total
  • Close to 22 million go to US colleges
  • Close to $80 billion is spent by families in August to get ready for the school
Source: National Center for Education Statistic (2015), Business websites, such as CNNMoney, Yahoo Finance, and other educational websites

The DOW bounces around

The DOW closed up 183 points or 1.11%, the S&P500 was up  24 points or 1.21% and NASDAQ was up 4776 points or 10.95% week ending Aug 28. The DOW is Year-To-Date down by -6.6%, S&P500 is down -2.4 %, and NASDAQ is up 1.4% for the year. Oil got a boost on expectation that world economic growth may continue and therefore the oil demand will increase.  Oil was up $4.98 or 3.40% to $45.26 per barrel.

The real news was the roller coaster ride of the global stock markets.  In the last two weeks the DOW lost close to 1900 points or 11% of its value but then climbed back late in the week by almost 1000 points or 6%. 
Investors sold stocks on global economic worries.  Most investors were worried about the Chinese economy which has been struggling.  China is the 2nd largest world economy and its slow down impacts rest of the world. 

The U.S., world largest economy, remains strong and continues to show positive growth trends but oil price drop is seen as yet another concern for the global economy.  The lower oil price is a good news for consumers but it impacts the oil and related businesses.  Most oil experts think that oil prices will continue to decline further which is a concern for the global economy.

Better than expected GDP data - The U.S. GDP grows by 3.7% in the 2nd quarter of 2015

Source: US Bureau of Economic Analysis

The U.S. government reported that the 2015 2nd quarter Gross Domestic Product (GDP) grew at 3.7% annual rate.  The 1st quarter GDP was just 0.6%..

The 2nd quarter GDP news is a very positive sign which supports the argument that US economy is growing at a sustained pace. The consumer spending during Q2 remained strong.  It is about 2/3rd of the U.S. GDP and because of that a major factor in the 2nd quarter strong growth. The GDP is the key measure of economic growth, such as, Goods and Services produced by the nation. Below 3% is considered modest growth. 


Thank you for your feedback and comments!


...Try moving your mouse over active definitions, such as, on the right side DOW, S&P500, NASDAQ, which opens up a pop up with details...  
Learn more about...



What is Credit History? Why is it important to have a good credit history? Volume 12.



What is Economy, Business, Workers, Goods, Services, Stock, DOW, S&P500, and NASDAQ in Volume 16
Does it pay to study hard? Volume 17.

What is Currency and Foreign Currency Exchange rate? Volume 14. What is stronger or weaker currency? Volume 20. What does the dollar slide mean? Volume 32.


How does money grow in a bank? Volume 21.


What is Fed Funds rate and Discount rate? Volume 22


What does the interest rate cut mean for you? What is APR? Volume 23


How to read stock information? Volume 25.


What is "Black Monday"...Crash of 87"? Volume 31.


Compare the Great Depression and the 2008 Recession

Source-CNN, Federal Reserve, Commerce Department, and estimates

Compare the Great Depression to the 2008 Recession? Volume 114.
What is a Recession? What is a Depression? Volume 48.
What is inflation? Volume 11.
What is Consumer Price Index (CPI) and Producer Price Index (PPI)? Volume 48

Why is consumer confidence so important? Volume 64.


What is expansions and contractions in Service and Manufacturing? Volume 389

Who are CEO, CFO, Shareholders, and the Board of Directors? What is SOX? Volume 33


What does "$4.95 + Tax" means? Volume 47


What is Mergers & Acquisition (M&A)? What is a Merger? Volume 49.


ADR (American Depository Receipts)

What is ADR? Volume 62.


What does buying back of shares means? Volume 63.


A fun way to start a Lemonade Stand and Learn about Business too! Volume 142.


What is Supply and Demand? Volume 177.


What is Q.E. - Quantitative Easing? Volume 343.

Who is working and who is not? Volume 354.


Do you remember September 2008 (after 5-Yrs) and what is the status of government loans (TARP) Volume 355.

Which country is in heavy debt...see the debt as % of GDP by countries? Volume 358.


What is US debt ceiling, which president helped to create this debt, who do we owe this money? Volume 360.


What is "Taper" or "Fed Tapering of Q.E." means? Volume 369.


What was your stock pick performance in 2014 (Volume 425) and 2013, 2012...2007? Volume 374.


Who is the new Federal Reserve Chair? Volume 382.

We use multiple information resources, such as, news websites, company websites, stock exchanges, newspapers, text books, and other educational resources.

Aug 24.28, 2015

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?

Index (YTD%)



DOW (-6.6%)

Down 183


S&P500 (-3.4%)

Down 24


NASDAQ (+1.4%)

Up 477



Foreign Exchange Rate

$1 is equal to




Euro (€)

European Union



Yen (¥)




Pound (£)

United Kingdom



Yuan ()




Rupee (Rs.)





Your Favorite Stocks


Bought one stock in Jan-14

This week stock is?

Your gain or loss?


$102.48 $8.73


$67.04 $1.56


$96.25 $2.99
$108.90 $113.29 $4.39

Business News For Kids website References/Links/etc.

Learn what is Foreign Exchange, How is it traded, and how FXCM helps to facilitate Forex trading.
Business Study - Getting Together
Raising CEO Kids
Track Star 4 Teachers

Teaching Kids Entrepreneurship