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“Today Shapes Tomorrow
Published Every Monday Since 2007       Volume 354       
September 9, 2013
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 Little Laughs!
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 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

Markets rise – The DOW up 121 points

The DOW closes up 121 points or 0.8%, the S&P500 was up 19 points or 1.2%, and NASDAQ was up 37 points or 1.0%, week ending Sep 6th. This was a 4-days week due to Labor Day holiday on Monday.  Oil closed up $2.58 at 110.23.

The U.S. economy adds 169K jobs in August; Unemployment rate falls to 7.3%

The U.S. Labor Department reported that in August 169K jobs were added and the unemployment rate fell to 7.3% in August.  Data also indicated that more Americans were dropping out of the labor force and the lowest rate since 1978.  Currently only 63.2% of Americans are in the labor force.

US population                       = Approx 315M

Kids (not working age)          = Approx 60M

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

63.2% of the total available people (255M) are in the Labor Force numbers = Approx 161M


the rest about 94M Americans do not work and are not counted in the Labor Force numbers.    Not working Americans include retired, stay home with kids, disabled, Senior High, College students AND trying to find a job but have given up.

Source: cnnmoney website

This is welcoming news for many, especially for people who are still looking for a job. About 12 million people are still unemployed. During the last recession due to bad banking loan crisis close to 9 million jobs were lost, and so far close to 6.5 million jobs have been recovered.

To return to the pre-2008 unemployment levels the economy needs to add about six million jobs. 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.

Manufacturing expands in August

The U.S. Service and Manufacturing business expansion (growth) or contraction (decline) is tracked by the Institute for Supply Management (ISM). The ISM Manufacturing index for August rose to 55.7 from 55.4 in July.  A positive news considering just past May this number was below 50!

The ISM index number above 50 indicates that businesses are growing and a number below 50 indicates that businesses are contracting. So at 50 there is no growth or contraction. It is good news when businesses grow or expand, because businesses hire more people to make more Goods and provide more Services. On the other hand, when businesses contract, it means fewer jobs and more lay-offs, which is a bad sign for the economy. This is the 34th month is a row for manufacturing expansion. During the recent recession the ISM was recorded at dismal 33.3 in December 2008.

Does it pay to study hard?
Volume 17.

Thank you for your feedback and comments!

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.

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 a Recession? What is a Depression? Volume 48.

What is Mergers & Acquisition (M&A)? What is a Merger? Volume 49.

What is ADR? Volume 62.

What does buying back of shares means? Volume 63.

Why is consumer confidence so important? Volume 64.

A fun way to start a Lemonade Stand and Learn about Business too! Volume 126.

What is Supply and Demand? Volume 177.

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

Sep 3-6, 2013

Weekly Stock Market

Markets Down!

Random Walk!

Buy Low, Sell High!

What Goes Up,

Must Come Down!





Up 121



Up 19



Up 37


Foreign Exchange Rate

$1 is equal to




Euro (€)

European Union


Yen (¥)




Pound (£)

United Kingdom


Yuan ()




Rupee (Rs.)




anadian (C$)




Your Favorite Stocks


Bought one stock in Jan-13

This week stock is?

Your gain or loss?








$96.26 $6.86

Shared Links

Learn what is Foreign Exchange, How is it traded, and how FXCM helps to facilitate Forex trading.

The Tech Museum of Innovation

Teaching Kids Entrepreneurship