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“Today Shapes Tomorrow
Published Every Monday Since 2007       Volume 470             
November 30, 2015
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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!


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

In a short trading week the DOW is down 10 points
The DOW closed down 10 points or 0.1%, the S&P500 was up a point and NASDAQ was up 21 points or 0.4% week ending November 27th.  Markets were closed on Nov 26th and half day on Nov 27th for Thanksgiving holiday. The DOW is Year-To-Date id down 0.1%, S&P500 is up 1.5%, and NASDAQ is up 7.7% for the year. Oil was up $2.32 or 1.59% to $41.71 per barrel.  To read last week’s news click here
Simplified Understanding of How Economy (GDP), Tax, and Debt work?

    • The Government collects taxes from people and businesses also called Revenue or Tax Income.  These funds are then used by the government to pay for various  programs, such as, social services to defense to national parks, etc.
    • If government spends more (less) than it collects in taxes a budget deficit (surplus) is created.  The deficit or the gap is filled through loans from other willing countries, for example China, Japan, EU, etc.
    • Over time the deficit accumulates also known as debt.  For example, for US over the last 40 years it has now accumulated to about $17.5T in 2014 dollars in debt or almost the size of our GDP.  In 2008 it was over $1.4T.  See below the chart on deficit by year since 1900 in Current Years (or $s in Then Years).
    • Past 40 years Spending has been about 21% of GDP and Tax collection about 18% of GDP leaving about 3% of GDP as deficit.
    • Congress has put the debt ceiling at $18.1T
    • Since 1901 US has 84 deficit .years and only 30 surplus years!!  the most recent surplus years were 1998-2001.

    • Tax collection is dependent on economy — so when economy does well more tax revenue gets collected by the government.
    • For example, in 2014 the tax revenue was about $3T but during the 2008-09 recession due to bad banking loan crisis the annual tax revenue was down to $2.4T only!

  • Government Spending is about $3.5T give or take.  When we go to war the spending goes up.  Bad economy, job losses, etc also increase spending to pay for unemployment benefits, food-stamps, etc.
  • Further as debt grows the amount of interest payment also grows…For example, recent wars cost about $4T in direct costs, medical costs, military equipment,.. which impacts the economic growth and reduces the tax collection.
  • It does not count the lives lost which can never have a price tag but a thanks and honor to the brave service men and women and their families!


  • Debt equals Tax minus Spending, therefore, about $3T minus about $3.5T = $0.5T of deficit in 2014 years dollars.  Over the past 40 years from 1974-2014 it has now added up to a debt of about $17.5T in 2014 years dollars.
  • Roughly, Spending is about 21% of GDP and Tax Collections about 18% of GDP thus leaving about 3% of GDP as a deficit per year and over the past 40 years it has added up to $17.5T in 2014 $s.
  • The most recent years deficit numbers have been rather high driven by wars, recession, and policies. In 2008-09 deficit exceeded $1.4T in current years or then year $s.


Thank you for your feedback and comments!

…Try moving your mouse over active definitions, such as, on the right side DOW, S&P500, NASDAQ, which opens up a pop up with details…
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.

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 is inflation? Volume 11.
What is Consumer Price Index (CPI) and Producer Price Index (PPI)? Volume 48

Why is consumer confidence so important? Volume 64.

What is expansions and contractions in Service and Manufacturing? Volume 389

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

ADR (American Depository Receipts)

What is ADR? Volume 62.

What does buying back of shares means? 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) 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 2014 (Volume 425) and 2013, 2012…2007? Volume 374.

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.

November 23-25 & 27, 2015

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?

Index (YTD%)



DOW (-0.1%)

Down 10


S&P500 (+1.5%)

Up 1


NASDAQ (+7.7%)

Up 21


Foreign Exchange Rate

$1 is equal to




Euro (€)

European Union



Yen (¥)




Pound (£)

United Kingdom



Yuan ()




Rupee (Rs.)




Your Favorite Stocks


Bought one stock in Jan-14

This week stock is?

Your gain or loss?


$115.13 $21.38


$69.27 $3.79


$114.23 $20.97
$108.90 $117.81 $8.91

Business News For Kids website References/Links/etc.

Learn what is Foreign Exchange, How is it traded, and how FXCM helps to facilitate Forex trading.
Business Study – Getting Together
Raising CEO Kids
Track Star 4 Teachers

Teaching Kids Entrepreneurship