“Today Shapes Tomorrow

Published Every Monday Since 2007       Volume 448                      
July 6, 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

Happy 4th!
On July 4th, 1776 the United States declared independence from the Great Britain. We celebrate July 4th as an independence day with fireworks, parades, picnics, barbecues, concerts and many other fun ways. Have a safe July 4th celebration!

Markets Slip on Greek debt crisis

The DOW closed down 207 points or 1.2%, the S&P500 was down 22 points or 1.0% and NASDAQ was down 12 points or 0.2% week ending July 2nd. The DOW Year-To-Date gains are now -0.5%, S&P500 is up 0.9 %, and NASDAQ is up 5.2% for the year.   

Greek Fiasco - No clear roadmap even after Sunday referendum on EU Bailout

Greece and European Union (EU) are at odds on how best to resolve the Greek Debt crisis.  Greek Prime Minister added more confusion when it asked Greeks to vote on Bailout referendum this Sunday. 
No Vote - No note strengthens Greek Prime Minister's negotiations with the creditors who have so far indicated displeasure with the Greek proposal and its policies...AND...if creditors do not agree with the Greek terms to resolve the current dead-lock on the debt crisis then Greece is out of EU as Greece has already defaulted the due loan payment.
Yes Vote -  Yes vote means that the Greeks disagreed with their recently elected government on the bailout issue and are now willing to accept EU terms including austerity which the new government was elected to fight the EU and its austerity in the first place in the recent election.

In the meantime people are suffering. 
Banks are closed....only 60 Euros are allowed per day from ATMs, creditors are not giving loans, and businesses are hurting... 

Also read previous articles on Greek Debt Crisis - 
Click here> Volume 429  and Volume 430.

US added 223K Jobs in June - Unemployment rate now at 5.3%

The U.S. Labor Department reported that in June 223,000 jobs were added.  The unemployment rate is now at 5.3% and lowest since 2008. Since January of this year until now in June about 1.2 million jobs have been added by the U.S. economy

Source: CNNMoney

Average weekly wages increased in June by 2.0% (May 2.3%) compared to June 2014.  This is yet another sign of strong recovery.  Typically when the demand for workers increase wages rise, however, in 2014 despite the significant jobs addition wages remained flat which was a concern.  So far in 2015 we are starting to see wages increase which is a sign that supply of available job seekers or workers is dwindling which in turn is making employers to pay more to attract workers. A good sign for the economy.

  • Since 2008 recession and the bad banking loan crisis ALL 9 million jobs lost have been recovered, and consistently more jobs are being added! 
  • Tax payers have recovered ALL monies with interest loaned to banks, etc under TARP!!
  • The  federal budget deficit is significantly down from 2008!  Read more about US debt and how/who created it? Click here> Volume 360.
  • The total number of jobs added in 2013 = 2.4 million! or an average of  about 200K per month.  150K jobs are needed just to keep up with the population growth.
  • More work is needed to help the unemployed and to grow the economy!
  • Slow wage increase remains a concern, however, as the unemployment rate continues to go down and tightens the jobs market the wages should rise.  The rules of Supply and Demand should work here as well.  What is Supply and Demand? Volume 177.
  • Labor participation continues to decline and it is now at 62.8%. It is a concern as unemployed are giving up looking for a job.  

More Americans are dropping out of the labor force.  Currently, about 62.8% of Americans are in the labor force, which is the lowest rate since 1978.

US population                     = Approx 315M

Kids (not working age)          = Approx 60M

Total people available to work = Approx 255M (315-60)

62.8% of the total available people (255M) are in the Labor Force numbers = Approx 161M and the rest about 94M Americans do not work and are not counted in the Labor Force numbers.

Non-working Americans include the retired, stay home with kids, disabled, Seniors, College students AND those trying to find a job but have given up.

Typically 300,000 new jobs a month are needed to drop the unemployment rate, and 150,000 jobs to just keep up with the population growth.

During the last recession, due to a bad banking loan crisis, close to 8.7 million jobs were lost which have been recovered and more are being added! 


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.

June 29-Jul 2, 2015

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?

Index (YTD%)



DOW (-0.5%)

Down 207



 Down 22



Down 12



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?





$63.01 -$2.47


$96.17 $2.91
$108.90 $126.44 $17.54

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