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“Today Shapes Tomorrow
Published Every Monday Since 2007       Volume 358      
October 7, 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

The government Shutdown started on Oct 1 at midnight

      • House led by Republicans and Senate led by Democrats could not come to a mutual agreement on funding the government budget.
      • The government current fiscal year ended Sep 30, 2013.
      • By law, 112th Congress needed to approve the budget for the fiscal year starting Oct 1, 2013, to Sep 30, 2014, so that the US government could continue to run its services needed for the nation and people.

Debt Ceiling deadline is Oct 17, 2013

      • Raising the US debt ceiling is yet another battle brewing between Republicans and Democrats to decide whether to raise the debt limit of $16.7 Trillion or let the US default on its Congress-approved previous commitments.
Affordable Care Act Remains the key issue for Republicans and Democrats — The Timeline —
  • Oct 2009 – Passed the House
  • Dec 2009 – Passed the Senate with an amendment
  • Mar 2010 – House agreed to Senate amendment
  • Mar 2010 – Signed into law by President
  • Jun 2012 – US Supreme Court upheld the Obama Care
  • Nov 2012 – President re-elected by the people; Republican candidate Mitt Romney ran against the Obama Care and lost
  • Sep 2013 – After 41 failed attempts to undo Obama Care by Republicans now it has come down to…Ignore the democratic process, ignore the will of the people…ignore the law of the land…ignore the US Supreme Court…and shut down the US Government because we do not like the US democratic process…
  • What is the takeaway for kids here?

Message from the President to U.S. Government Employees:

October 1, 2013

To the dedicated and hard-working employees of the United States Government:

The Federal Government is America’s largest employer, with more than 2 million civilian workers and 1.4 million active duty military who serve in all 50 States and around the world.

But Congress has failed to meet its responsibility to pass a budget before the fiscal year that begins today. And that means much of our Government must shut down effective today.

I want you to know that I will keep working to get Congress to reopen the Government, restart vital services that the American people depend on, and allow public servants who have been sent home to return to work. At my direction, your agencies should have reached out to you by now about what a shutdown means for you and your families.

Today, I wanted to take a moment to tell you what you mean to me—and to our country.

That begins by saying thank you for the work you do every day—work that is vitally important to our national security and to American families’ economic security. You defend our country overseas and ensure that our troops receive the benefits they deserve when they come home. You guard our borders and protect our civil rights. You help small businesses expand and gain new footholds in overseas markets. You guide hundreds of thousands of people each day through the glory of America’s national parks and monuments, from Yosemite to the Statue of Liberty. And much more.

You do all this in a political climate that, too often in recent years, has treated you like a punching bag. You have endured three years of a Federal pay freeze, harmful sequester cuts, and now, a shutdown of our Government. And yet, you persevere, continuing to serve the American people with passion, professionalism, and skill.

None of this is fair to you. And should it continue, it will make it more difficult to keep attracting the kind of driven, patriotic, idealistic Americans to public service that our citizens deserve and that our system of self-government demands.

Public service is noble. Public service is important. And by choosing public service, you carry on a proud tradition at the heart of some of this country’s greatest and most lasting achievements. In fact, more than 50 current or former Federal employees have received the Nobel Prize for their efforts. It was grants from the Department of Energy that helped businesses unlock new sources of renewable energy, and from the National Science Foundation that helped entrepreneurs like the founders of Google change the world. It is your efforts that will help this country meet the great challenge of our time—rebuilding an economy where all who work hard can get ahead.

So while the budget fights in Washington are too often partisan, your service to the country must never be. As one of my predecessors, President George H.W. Bush, once said, “There is nothing more fulfilling than to serve your country and your fellow citizens and to do it well. And that is what our system of self-government depends on.”

This shutdown was completely preventable. It should not have happened. And the House of Representatives can end it as soon as it follows the Senate’s lead, and funds your work in the United States Government without trying to attach highly controversial and partisan measures in the process.

Hopefully, we will resolve this quickly. In the meantime, I want you to know—whether you are a young person who just joined public service because you want to make a difference, or a career employee who has dedicated your life to that pursuit—you and your families remain at the front of my mind. Your agency leaders and I will continue to defend your work at a time when that work has rarely been more important. We will continue to work with your agencies to keep you and your families apprised and informed of what is happening. And I will continue to do everything in my power to get the House of Representatives to allow our Government to reopen as quickly as possible, and make sure you receive the pay that you have earned.

Thank you, again, for your service, your sacrifice, and everything you do every day for this country we love so much.


President Obama


The DOW closes down 177 points The DOW closed down 177 points or 1.16%, the S&P500 was up 3 points or 0.19%, and NASDAQ was up 70 points or 1.88%, week ending Oct 4th. Oil closed up $0.89 at 103.70


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 are the Economy, Business, Workers, Goods, Services, Stocks, the DOW, the S&P500, and the NASDAQ? Volume 16.

Does it pay to study hard? Volume 17.

What is the Currency and Foreign Currency Exchange rate? Volume 14. What is a stronger or a weaker currency? Volume 20. What does the dollar slide mean? Volume 32.

How does money grow in a bank? Volume 21.

What are the 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 the CEO, CFO, Shareholders, and the Board of Directors? What is SOX? Volume 33

What does “$4.95 + Tax” mean? 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 mean? 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, textbooks, and other educational resources.

Sep 30 – Oct 4, 2013

Weekly Stock Market

Markets Down!

Random Walk!

Buy Low, Sell High!

What Goes Up,

Must Come Down!

Index Change Last
DOW Down 177
S&P500 Up 3

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’s stock is?

Your gain or loss?

$50.80 65.30


$56.64 $59.36



$100.29 $94.70 $5.30