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“Today Shapes Tomorrow

Published Every Monday Since 2007       Volume 546
May 8, 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.

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 almost 1/3rd of housing market value was lost due to housing, credit, and financial crisis!

Since 2008, close to 12 million jobs have been added to the job market! This has allowed many Americans to get back on track and recover from the recession. Unemployment rate is now below 5% from almost 10% in 2009 when financial markets caused the recession!

What is Full Employment?

When economic conditions reach a level where all available labor is being used efficiently.  In other words, it is a situation where most (if not all) possible people looking for jobs have their desired jobs which also meets the employer requirement. Most economist and governments consider below 5% unemployment rate to be Full Employment conditions.  The unemployment rate is now at a record low of 4.4% which can be considered close to reaching “Full Employment.”  

Is Full Employment good or bad?  It depends. Think supply-demand and refer to What is Supply and Demand? Volume 177 The demand by businesses for the labor force to produce Goods and Services is now higher than the available supply of labor force. In other words, demand being higher than the supply raises the price, which in this case is measured as how the wages are increasing.  So are the wages going up?  See below the wages chart which shows increase since 2015.  So now if the wage increase continues for a sustained period what can happen?  Demand for labor rise could make wages rise to a point where businesses may not find it cost effective and efficient labor for their Goods and Services to be sold in the market.  Which in turn will curtail the total demand to reduce the labor demand either by reduced hiring or layoffs….so base on economic conditions the cycle of demand and supply starts to look for a economic balance to arrive at a efficient market price or in this case wages. 

US adds 211K jobs in April.  Unemployment rate down to a record 4.4%

The U.S. Labor Department reported that in April 211,000 jobs were added. The unemployment rate came down from 4.5% to 4.4%.  

Source:NPR, Market Watch, Bureau of Labor Statistics(BLS)

The annual increase in wages in April was at healthy 2.5% (was 2.7% in March). Typically when the demand for workers increase, wages rise, which is the case here.  In 2016 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 seems to continue in 2017 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.

    • 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.

    • Sources: Multiple, CNN, Yahoo, Google, NY Times, BLS, US Government, CIA handbook,..

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…

During which President economy and jobs were better than others? How did Obama perform? Click here for Volume 529.

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

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

What was your stock pick performance in 2016 and the last 10 years from 2007-2016? (Volume 530)
What is inflation? Volume 11.

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 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 “Taper” or what does “Fed Tapering of Q.E.” mean? Volume 369.

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.

Source:, Microsoft Clipart, etc.

May 1-5, 2017

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?

Index (YTD%)



DOW (+6.3%)

Up 44

201, 007

S&P500 (+7.2%)

Up 11


NASDAQ (+13.3%)

Up 33


Foreign Exchange Rate

$1 is equal to




Euro (€)

European Union



Yen (¥)




Pound (£)

United Kingdom



Yuan ()




Rupee (Rs.)




Your Favorite Stocks

YTD Portfolio is +13.2%  vs.

S&P500 +6.5%


Bought one stock in Jan-17

This week stock is?

Your gain or loss?


$112.0 +$11.4


$70.7 -$2.7


$144.0 +$18.2
$115.8 $149.0 +$33.1

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