“Today Shapes Tomorrow

Published Every Monday Since 2007       Volume 537
March 13, 2017

About Us
Subscribe Free!
Terms and Conditions
Enter Keyword to search


Contributions are welcome for this website - please click above.
" 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!


Do you know the ancestry of American people? It is a melting pot of immigrants from all over the world. This trend continues even today. These immigrants make America what it is today and are an big part in the success of businesses today.

There are over 320 million Americans today. Ancestry of Americans include: 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 various countries.

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 almost 1/3rd of housing market value was lost due to housing, credit, and financial crisis!

Since 2008, close to 12 million jobs have been added to the job market! This has allowed many Americans to get back on track and recover from the recession. Unemployment rate is now below 5% from almost 10% in 2009 when financial markets caused the recession!
Markets inch up on multiple economic news-
1) Feds raise rates,
2) Strong jobs report, and
3) Consumer confidence rises

Last week was full of significant economic news.  As most experts predicted the
Federal Reserve raised the interest rates.  The February jobs report came out strong and the Consumer confidence rose. See details below. 

The DOW closed up 15 points or 0.07%, the S&P500 was up 7 points or 0.28%, and NASDAQ was up 38 points or 0.64% for the week ending March 17th.  The oil was
up slightly by $0.33 or 0.7% to $48.72 per barrel. 
So far this year the DOW is up 5.8%, S&P500 is 6.2%, and NASDAQ is up 9.6%.   
As expected the Feds raise the interest rates by 0.25%

The Federal Reserve raised the key interest rates this week for the first time this year.  Fed funds rate (loan rate between the banks) and Discount rate (rate for Feds to Banks loan) are the key interest rates.   

The Feds felt that the key economic indicators, such as, inflation, unemployment rate, and US economy are improving and see conditions to stay positive.  The Federal Reserve reaffirmed that it expects to raise two more times the key interest rates in 2017 as long as the economic condition stay the current path of growth and the inflation remains about 2%.

This past December the Fed raised interest rates after seven years.  The Fed rate was raised by 0.25% from a range of 0.00%-0.25% to 0.25%-0.5%.  The Discount rate was at 1.25%.

What is Fed Funds rate and Discount rate? Click here for Volume 22

What does the interest rate cut or raise mean for you? What is APR? Click to read Volume 23

Rates raised by 0.25%

Fed Funds Rate                                                       

Now the Fed Funds rate range is at 0.75-1.00%     


Discount Rate


Now the Discount rate is 1.50%

The Federal Reserve thinks that US economy is expanding and other economic indicators such as unemployment rates hovering at record low at 4.7%, inflation remains contained at about 2%, housing market conditions improving, and consumer spending remains strong.  Mr. Trump's plan to cut taxes, less regulations, and infrastructure spending are some of the key variables that may affect the economy and will be a part of consideration in 2017.  

Who is the new Federal Reserve Chair? Volume 382.


US adds 235K jobs in February.  Unemployment rate down to 4.7%

The U.S. Labor Department reported that in February 235,000 jobs were added. The unemployment rate came down from 4.8% to 4.7%.  

Source:New York Times, Bureau of Labor Statistics(BLS)

The annual increase in wages in February was at healthy 2.8%. Typically when the demand for workers increase, wages rise.  In 2016 US witnessed that supply of available workers started to dwindle which in turn made employers to pay more to attract the right workers.  This trend seems to continue in 2017 which is a  good sign for the economy and workers!  

  • Also read Volume 177 how Supply and Demand changes effect price? It applies to the Labor demand and supply as well.  .
  • Currently, about 62.7% of Americans are in the labor force, which is the lowest rate since 1978.

  • 59.7% of US population is employed.
  • College or higher education unemployment rate is lowest at 2.5% while high school or below hovers around 5 to 7.5%
  • US population                     = Approx 320M

  • Kids (not working age)          = Approx 60M

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

  • 62.7% of the total available people (260M) are in the Labor Force numbers = Approx 163M and the rest about 94M Americans do not work and are not counted in the Labor Force numbers.


Consumer Confidence rises in March to 97.6 from 96.3 in February -- a 13-year high!

Consumer Confidence Index (CCI) rises to 97.6 in March from 96.3 in February.  CCI of above 90 shows stable economy and above 100 is a sign of strong growth.  Trump's win and his message to cut taxes, reduce regulations, and to create business growth friendly environment is making consumer think that his agenda will bring more economic growth. 

Improving job market where unemployment is record low at 4.7% seems to be also helping consumer confidence. The rise of CCI rise is a sign that consumers are feeling good about the job market, economic growth outlook, and their future.   Why is consumer confidence so important?  Volume 64.



Thank you for your feedback and comments!

Tip!: Try moving your mouse over active definitions, such as, on the right side DOW, S&P500, NASDAQ, which will open up a pop up with details so you can learn more!  
Learn more about...



During which President economy and jobs were better than others? How did Obama perform? Click here for Volume 529.


How do the Economy(GDP), Tax(Government tax & spending), and Budget Deficits turn into $17T in Debt? Simplified Explanation Volume 470.


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

What was your stock pick performance in 2016 and the last 10 years from 2007-2016? (Volume 530)

What is inflation? Volume 11.

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 the "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 are the Consumer Price Index (CPI) and Producer Price Index (PPI)? Volume 48

Why is consumer confidence so important? Volume 64.


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

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


ADR (American Depository Receipts)

What is ADR? Volume 62.


What does buying back shares mean? 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)? What is the status of government loans (TARP)? Volume 355.

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


What is "Taper" or what does "Fed Tapering of Q.E." mean? Volume 369.


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.

Source:, Microsoft Clipart, etc.

Mar 13-17, 2017

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?

Index (YTD%)



DOW (+5.8%)

Up 15


S&P500 (+6.2%)

Up 7


NASDAQ (+9.6%)

Up 38



Foreign Exchange Rate

$1 is equal to




Euro (€)

European Union



Yen (¥)




Pound (£)

United Kingdom



Yuan ()




Rupee (Rs.)





Your Favorite Stocks

YTD Portfolio is +9.6%  vs.

S&P500 +6.2%


Bought one stock in Jan-17

This week stock is?

Your gain or loss?


$111.8 +$7.5


$75.1 +$1.4


$128.6 +$6.9
$115.8 $140.0 +$24.2

Business News For Kids

Recommended Links

Learn what is Foreign Exchange, how it is traded, and how FXCM helps to facilitate Forex trading.
Business Study - Getting Together
Business Guide for Kids
Little Entrepreneurs: Business For Kids

Teaching Kids Entrepreneurship