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“Today Shapes Tomorrow
Published Every Monday Since 2007       Volume 382
March 24, 2014
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 Little Laughs!
What is the worst kind of cat?
CAT-astro-phe !
What do you get when you cross snowman with vampire
What kind of air 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? 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 up — The DOW rises 236 points

The DOW was up 236 points or 1.47%, the S&P500 was up 24 points or 1.29%, and NASDAQ was up 3 points or 0.06%, for this week ending Mar 21st.  Also, oil has gone  up $0.55 to $99.55 per barrel.

Investors have seemed to digest the news that turmoil in Ukraine concerning Russia’s overt takeover of Ukraine’s Crimea region will not turn into a war. A peaceful solution by US and EU is being pursued through economic sanctions against Russia.  US and EU do not recognize Russia’s takeover of Crimea due to the way that Russia accomplished the takeover.

Who is the new Federal Reserve Bank Chair?

In October, 2013 President Obama appointed Dr. Janet L. Yellen as the new Chair of Federal Reserve Bank.   She is the first woman to hold this prestigious job.  Dr. Yellen replaced Dr. Ben Bernanke after his term expired in December of 2013.  Dr. Bernanke was appointed as Federal Bank Chairman by President Bush in October 2005.  Prior to Dr. Bernanke it was Dr. Alan Greenspan, who was the chairman of Federal Reserve for the previous eighteen years. 

The Federal Reserve Bank (also known as the “Fed”) consists of 12 US government banks covering important economic regions throughout the U.S. and their 25 smaller branches.  We briefly discussed the role of Federal Reserve in economy in our earlier newsletters (click here for Volume 11 and Volume 13).  A few of its functions include stabilizing the economy, providing loans and money to other banks, establishing and enforcing good banking practices, and determining interest rates. 

Dr. Yellen, 67, is the first woman to be elected as the head of Federal Bank Chair.  She is one of the most respected financial and business professionals in the world. Her expertise on economics, public policy making, and financial market is world renowned.  She graduated summa cum laude from Brown University with a degree in Economics in 1967 and doctorate in Economics from Yale University in 1971. 

In 1997 she received the Wilbur Cross Medal from Yale, and honorary Doctor of Laws degree from Brown University in 1998, and an honorary Doctor of Humane letters from Bard College in 2000.  Dr. Yellen is Professor Emeritus at the University of California at Berkeley where she was the Eugene E. and Catherine M. Trefethen Professor of Business and Professor of Economics.  She has been a faculty member there since 1980. She has also been a faculty member at Harvard University and London School of Economics and Political Science. 

Dr. Yellen has written on a wide range of macro economics issues.  She has also been honored with several famous fellowships and awards.



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.

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) and what is the status of government loans (TARP) Volume 355.

Which country is in heavy debt…see the debt as % of GDP by countries? Volume 358.

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

What is “Taper” or “Fed Tapering of Q.E.” means? Volume 369.

What was your stock pick performance in 2013, 2012…2007? Volume 374.

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

Mar 17-21, 2014

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?





Up 236



Up 24



Up 3


Foreign Exchange Rate

$1 is equal to




Euro (€)

European Union



Yen (¥)




Pound (£)

United Kingdom



Yuan ()




Rupee (Rs.)




Canadian (C$)




Your Favorite Stocks


Bought one stock in Jan-14

This week stock is?

Your gain or loss?





$61.58 $0.62


$95.47 -$1.34

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