“Today Shapes Tomorrow

Published Every Monday Since 2007       Volume 425           January 26, 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 air 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? Apple...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 add up to 11%. The rest are from other countries.

About 2008 US housing crisis...

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
The DOW climbs 156 Points
The DOW closed up 156 points or 0.9%, the S&P500 was up 31 points or 1.5% and NASDAQ was up 102 points or 2.2% week ending January 23rd.  The oil slide continued and it was down $3.19 or 2.18% to $45.29 per barrel. US stock markets were closed on Monday to celebrate Dr. Martin Luther King birthday.

The European Union Central Bank finally decides to help the declining economy

The  European Union (EU) Central Bank (ECB) decided to stimulate stagnant European economy through a program to buy $1.3 Trillion worth of bonds.  This program is similar to the U.S. Federal Reserve initiative which we know as Quantitative Easing (Q.E.). 

The ECB will start to purchase $70 Billion worth of bonds per month starting March 2015 until September 2016.  ECB also mentioned that it may continue the Q.E. beyond 2016 if the economic conditions does not improve.  Investors were impressed by the ECB move.

The first US Quantitative Easing, also known as QE1, started mid-2008 after the  last recession due to bad banking loan crisis.  The amount ranged from $600 Billion to $1.25 Trillion. But just a few months later in 2010 Greece debt problem kicked off the real risk of European Union (EU) economy getting impacted by the Greece, Spain, Portugal, Italy, and Ireland debt threat. The US Federal Reserve initiated the second Quantitative Easing, also known as QE2, in the amount of $600 Billion.  Then in September 2012, Feds added the QE3 in the amount of $85 Billion every quarter until the economic condition improves and unemployment rate is below 6.5%.

Since then US economy has come out of recession and now economy is growing.  Accordingly the US Federal Reserve did not see the need to continue this program and gradually started to reduce the QE which we came to know as "Tapering."

What is "Taper" or "Fed Tapering of Q.E." means? Volume 369. To learn more about the Quantitative Easing click here --  What is the Quantitative Easing (Q.E)? Volume 343.

We will have to see if the EU following on the US Federal Reserve tried path also works for it.




How did your stocks
do in 2014?
Were you better than
the most Wall Street Experts
and S&P500?

2014 Performance of Your Favorite Stocks

Your investment since 2007

compared to S&P500 benchmark

Immigration in America
There are over 300 million people living in America. About 80% are white, less than 13% are black, Asian are over 4%, and the rest are other races.  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 add up to 11%. The rest are from other countries.  This is the only country in the world which has such a unique strength of diversity.
Source - Various websites with immigration data and CIA World fact book

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...
Click the Volume links in RED



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 223

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 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.


Jan 20-23, 2015

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?





Up 156



Up 31



Up 102



Foreign Exchange Rate

$1 is equal to





Euro (€)

European Union



Yen (¥)




Pound (£)

United Kingdom



Yuan ()




Rupee (Rs.)




Canadian (C$)





Your Favorite Stocks


Bought one stock in Jan-15

This week stock is?

Your gain or loss?




$66.68 $3.20


$89.56 -$3.70

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.  Click FXCM
Business Study - Getting Together
Raising CEO Kids
Track Star 4 Teachers

Teaching Kids Entrepreneurship