“Today Shapes Tomorrow

Published Every Monday Since 2007       Volume 523
December 5, 2016

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" need money to buy things; you earn money by working; you may have to wait to buy things you want; and there is a difference between things you want and things that you need..."
Time Magazine, Nov 30, 2015
Article - Your kid's financial education should start much earlier than you think - By Dan Kedlec
 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!


Do you know the ancestry of American people? It is a melting pot of immigrants from all over the world. This trend continues even today. These immigrants make America what it is today and are an big part in the success of businesses today.

There are over 320 million Americans today. Ancestry of Americans include: 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 various countries.

About US housing:

At the end of 2014 approximately 64% of Americans owned a home. This shows a trend of millennials who are less likely to pursue home ownership.

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.

Since 2008, over 8 million jobs have been added to the job market! This has allowed many Americans to get back on track and recover from the recession.
The DOW close up 48 points to 19,170

The DOW closed up 48 points or 0.25%, the S&P500 was down 18 points or 0.83%, and NASDAQ was down 132 points or 2.45% for the week ending December 2nd. The oil moved up $5.62 or whopping 12.2% to $51.68 per barrel.

The Organization of the Petroleum Exporting Countries (OPEC) on Wednesday decided to cut oil production by 1.2 million barrels per day or about 4.5% to 32.5 billion barrels per day.  This decision will help to shore up the oil prices which have been low since the first quarter of 2015!  The low oil prices has helped consumers, airlines industry, and retail sector.

OPEC is a major organization which has two thirds of the world’s oil reserves and accounts for over 40% of the world’s oil production.  OPEC is made up of 13 countries, Algeria, Angola, Indonesia, Iran, Iraq, Kuwait, Libya, Nigeria, Qatar, Saudi Arabia, the United Arab Emirates, Venezuela, and Ecuador(rejoined OPEC in November 2007).  Since 1965, the OPEC main office has been based in Vienna, Austria.  Today, the world consumes about 85 million barrels a day. US alone consumes up to over 20 million barrels per day, or one fourth (25%) of the world oil consumption.


The continued rise in the US dollar against the world currencies is making the oil import more expensive for weaker currency countries.  What is stronger or weaker currency? Volume 20. What does the dollar rise or slide mean? Volume 32.

Year to date, the DOW is now up 10.0%, S&P500 is up 7.2%, and  NASDAQ is up 5.0%.


US adds 178K jobs in November.  Unemployment rate drops to 4.6%; Consecutive 74th month of job creation!

The U.S. Labor Department reported that in November 178,000 jobs were added. The unemployment rate dropped to 4.6%.  The average for 2016 is now about 180K jobs per month and so far added close to 2 million jobs!  In 2015, 2.65 million jobs or on average over 220K jobs per month were added by the U.S. economy.  

Source:New York Times

The annual increase in wages in November was at healthy 2.5%. Typically when the demand for workers increase, wages rise.  In 2015 US witnessed that supply of available workers started to dwindle which in turn made employers to pay more to attract the right workers.  This trend in 2016 has continued which is a  good sign for the economy and workers!  

  • Also read Volume 177 how Supply and Demand changes effect price? It applies to the Labor demand and supply as well.  .
  • Currently, about 62.7% of Americans are in the labor force, which is the lowest rate since 1978.

  • 59.7% of US population is employed.
  • College or higher education unemployment rate is lowest at 2.5% while high school or below hovers around 5 to 7.5%
  • US population                     = Approx 320M

  • Kids (not working age)          = Approx 60M

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

  • 62.7% of the total available people (260M) are in the Labor Force numbers = Approx 163M and the rest about 94M Americans do not work and are not counted in the Labor Force numbers.

Summary of 2015
  • Oil was down ~$16 or 30% from $53 in January to $37 per barrel in December
  • 2.65 Million jobs were added in 2015 - the best since 1999!

Thank you for your feedback and comments!

Tip!: Try moving your mouse over active definitions, such as, on the right side DOW, S&P500, NASDAQ, which will open up a pop up with details so you can learn more!  
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 the "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 are the Consumer Price Index (CPI) and Producer Price Index (PPI)? Volume 48

Why is consumer confidence so important? Volume 64.


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

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


What does "$4.95 + Tax" mean? 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 shares mean? 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)? What is the status of government loans (TARP)? Volume 355.

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


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


What is "Taper" or what does "Fed Tapering of Q.E." mean? Volume 369.


What was your stock pick performance in 2015 (Volume 479) and 2013, 2012...2007?


Who is the new Federal Reserve Chair? Volume 382.

How do the Economy(GDP), Tax(Government tax & spending), and Budget Deficits turn into $17T in Debt? Simplified Explanation Volume 470.

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

Source:, Microsoft Clipart, etc.

Nov 28-30 & Dec1-2, 2016

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?

Index (YTD%)



DOW (+10.0%)

Up 48

 19, 170

S&P500 (+7.2%)

Down 18


NASDAQ (+5.0%)

Down 132



Foreign Exchange Rate

$1 is equal to




Euro (€)

European Union



Yen (¥)




Pound (£)

United Kingdom



Yuan ()




Rupee (Rs.)





Your Favorite Stocks

Portfolio is -2.6% vs. S&P500 +7.2%
(Read Volume 479 for 2015 returns)


Bought one stock in Jan-15

This week stock is?

Your gain or loss?


$98.50 -$6.58


$71.17 -$1.10


$118.24 $0.10
$105.26 $109.90 +$4.64

Business News For Kids

Recommended Links

Learn what is Foreign Exchange, how it is traded, and how FXCM helps to facilitate Forex trading.
Business Study - Getting Together
Business Guide for Kids
Little Entrepreneurs: Business For Kids

Teaching Kids Entrepreneurship