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“Today Shapes Tomorrow

Published Every Monday Since 2007       Volume 355       
September 16, 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 on Syrian problem agreement – The DOW up 449 pointsThe DOW closes up 449 points or 3.01%, the S&P500 was up 31 points or 1.88%, and NASDAQ was up 47 points or 1.28%, week ending Sep 13th. Oil closed down $1.63 at 108.60.

Remember September 2008
“Bad Loans Crisis”

5-years later where are we?

Read/Click the following two Volumes for historic perspective-
Volume 82 from September 22, 2008 and
Volume 83 from September 29, 2008

How much of the $700B bailout
has been paid after 5-years?



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 9-13, 2013

Weekly Stock Market

Markets Down!

Random Walk!

Buy Low, Sell High!

What Goes Up,

Must Come Down!














Up 449









Up 31







Up 47






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?


























$97.35 $7.95