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“Today Shapes Tomorrow
Published Every Monday Since 2007       Volume 529
January 16, 2017
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“…you 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.

Martin Luther King, Jr. Day

Jan 15th is Martin Luther King, Jr birthday.  It is a federal holiday to celebrate his life and contributions made to advancement of civil rights using non-violent civil disobedience.  He made the famous speech “…I have a dream…”
The DOW slips 46 points for the week
The DOW closed down 46 points or 0.23%, the S&P500 was up a point or 0.05% and NASDAQ was up 47 points or 0.84% for the week ending January 13th. The oil moved down $1.26 or 2.3% to $53.32 per barrel.  So far this year the DOW is up 0.6%, S&P500 is up 1.6%, and NASDAQ is up 3.5%.  In fact the NASDAQ is at a record high!

For 2016, the DOW was up 13.4%, S&P500 was up 9.5%, and  NASDAQ was up 7.5%.
Summary of 2016 – Bull Year!

    • Oil was up ~$17 or 45% from ~$37 in January to ~54 per barrel in December.
    • 2.16 million Jobs added and record low unemployment at 4.7% since 2007!
President Obama SuccessGDP and Stock Market (S&P500) since Obama took office

How did Obama compares to other presidents for job creation?

How did Obama compares to other presidents on Unemployment rate?

Sources – CNNMoney, BLS, Yahoo,…

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.

Jan 9-13, 2017

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?

Index (YTD%)



DOW (+0.6%)

Down 46


S&P500 (+1.6%)

Up 1


NASDAQ (+3.5%)

Up 47


Foreign Exchange Rate

$1 is equal to




Euro (€)

European Union



Yen (¥)




Pound (£)

United Kingdom



Yuan ()




Rupee (Rs.)




Your Favorite Stocks

YTD Portfolio is +1.1%  vs

S&P500 +1.6%


Bought one stock in Jan-17

This week stock is?

Your gain or loss?


$108.1 +$3.8


$71.4 -$2.3


$121.5 -$0.2
$115.8 $119.0 +$3.2

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