Business and economy news for kids of all ages primary, middle, and high school.

“Today Shapes Tomorrow

Published Every Monday Since 2007   | Volume 682|
December 16, 2019

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 " 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!
How do you make eleven even?

Take away the "el."


How do you make seven even?

Take away the "s"


What is a duck on the 4th of July?

A Fire-Quacker!!

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 rise on trade deal with China and US-Mexico-Canada

The stock market rose on a positive news of possible trade agreements.  US-China phase-1 deal news and progress toward the final agreement helped the markets.  On another trade deal among US-Mexico-Canada was also seen as a positive sign by the investors.  These deals have been agreed upon by the stakeholders but still have to be approved by respective sides.  Most experts believe that these deals will be signed soon. 

Finally for the week, the DOW closed +148 points or +0.53%, the S&P500 was +27 points or +0.86%, and NASDAQ was +84 points or +0.97% for the week ending December 13th. Oil was +$0.71 or +1.2% at $59.78 per barrel.

Year-To-Date (YTD) the DOW is up +20.6%, S&P500 is up +26.4% and NASDAQ is up +31.6%

In 2018 the DOW was down -6.7%,  S&P500 down -7.0% and NASDAQ down -4.6%.  In 2017 the DOW was up 25.1%, S&P500 up 19.4% and NASDAQ up 28.2%


Manufacturing and Service sectors show decline due to trade policy and global trade decline

The U.S. Service and Manufacturing business expansion (growth) or contraction (decline) is tracked by the Institute for Supply Management (ISM). The ISM Manufacturing index for November was 48.1% (Oct 48.3%) and ISM Service (Non-manufacturing) at 53.9% (Oct 54.71). 

ISM index below 50 is a sign of contraction (read below) and in the case of manufacturing it is already below 50 since Jul/Aug, 2019.  Note that over 70% of US economy is Services driven, so the most experts are watching the Services ISM closely.  It is on a downward trend but holding above 50!

The ISM numbers have been negatively impacted and off their peak driven by businesses holding back due to US-China trade dispute and global trade policies causing global economic slowdown.

The ISM index number above 50 indicates that businesses are growing and a number below 50 indicates that businesses are contracting. So at 50 there is no growth or contraction. It is good news when businesses grow or expand, because businesses hire more people to make more Goods and provide more Services. On the other hand, when businesses contract, it means fewer jobs and more lay-offs, which is a bad sign for the economy. This is the 34th month is a row for manufacturing expansion. During the recent recession the ISM was recorded at dismal 33.3 in December 2008.


Thank you for your feedback and comments! Now we are on to our 12th Year!!

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...




What is a Yield Curve, types of Yield Curves, and what does Yield Curves imply? Click here for Volume 665
  What is Currency Manipulation and Tariff impact? Click here for Volume 664

Volume 654

Volume 653
What is Tariff?  What does it mean? Click here for Volume 652

Volume 651

Volume 634

Volume 589
How Business and Government raise cash? Stocks, Bonds?

Click here for Volume 623.

What is Tariff?  What does it mean?

Click here for Volume 575.


Emigration in America -

1% are Native Americans but 99% came from rest of the world or brought over

Click here for Volume 575.

What was your stock pick performance in 2018...since 2007? (Volume 634)

What is Full Employment?  Is it a good or bad thing? Click here for Volume 529.


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 585.


Who was the 1st woman 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.

So far YTD...
ulls (Markets UP) = 32...
Bears (DOWN) = 16...and
raw = 2

Dec 9-13, 2019

Weekly Stock Market

Markets Up or Down?

Random Walk of stocks?

Buy Low? or Sell High?

Index (YTD%)



DOW (+20.6%)









Foreign Exchange Rate

$1 is equal to




Euro (€)

European Union



Yen (¥)


-0.86 109.41

Pound (£)

United Kingdom

+0.01 0.75

Yuan ()




Rupee (Rs.)




Your Favorite Stocks

Portfolio is  +38.0%  vs. 

S&P500 +26.4%


Bought one stock in Jan-19

This week stock is?

Your gain or loss?


$146.4 +$39.1


$66.3 +$9.0


$197.1 +$21.6
$156.2 $275.2 +$118.9

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