HealthyStock Market

 52 wk Hi   Low  Stock Symbol   Volume  Net Change  
   25  12  EDC  EDC  50  +9  
   24  11  KSC  KSC  40  +8  
HealthyStock Index - For example, the Nasdaq or Dow Jones has blue chip stocks to represent a certain part of the market.

 HealthyStock "Company" Index - Group of 40 employees and their stock together.  This could privately held, not out to public, or in public exchange.

We want slow, healthy growth, not flash in pan (crazy diet plans)  which allows the stock price to weather short term fluctuations. If everyone is getting healthy in an index such as schools, then the price of stocks all rise a little, in a bull market.  If not, could be Bear market ( in Dow, at least 20% drop in stocks)

Start new workout, increase your workout or do more reps, Stock goes up.
Assets: good BMI, good BP, good eating habits, good genes
Debts: Bad family history, bad BMI, high BP, bad diet
Earnings: How well you did that quarter. If lower, someone might sell your stock and decrease the value.
Real stocks: high oil prices, war, scandals - people sell stocks or not invest, market goes down.
New IPO, 

For example, all publicly traded companies need to issue quarterly earnings reports 
through the Securities and Exchange Commission (SEC). If those earnings are lackluster, 
shareholders might decide to sell some of their stock, which would lower the stock price.
 But if the newspaper reports an overall increase in the popularity of pizza, more people 
might buy shares and the price would go back up.

Why do an IPO? corporation raises money at $20 a share and raises 20 million to invest in equipment and employees for ex.  
Buy low and sell hi -  Invest in slow growth stock and hold on for long periods. Some will buy the next big thing and try sell out when price goes up. 

The inherent risk of the stock market is that any number of forces -- logical or otherwise --
 can push prices up or down. In recent years, we've witnessed the boom and consequent 
bust of two large stock market bubbles that formed around the Internet sector in the early
 2000s and the housing market six years later. In both cases, commodities became 
overvalued, and investors poured money into unprofitable or unsustainable markets. 
When the truth came out, investors rushed to sell, sending stock prices through the floor.

Interest Rates: To bring inflation under control, the Federal Reserve System can raise the
federal funds interest rate, which is the interest rate banks pay on loans they take from the
 Federal Reserve. Think of the Federal Reserve as a credit card for banks. When banks have
 to pay a higher interest rate, they often raise their own interest rates on loans and credit
card accounts for businesses and individuals. This means that businesses and consumers
must pay higher interest on borrowed funds. This usually causes consumers to spend less
 and businesses to borrow less. When businesses don't borrow money to develop that new
widget, they tend to grow at a slower rate. When consumers don't buy things and businesses
don't grow, companies' profits decrease, causing a stock price decrease. Conversely, when
the Federal Reserve cuts the interest rate, investors tend to get excited. The cut means
banks will be borrowing and lending more and at better rates. Businesses will grow and
consumers will spend. Company profits will go up. Investors tend to buy, buy, buy!

Inflation: Inflation is a rise in prices across the board. Inflation causes your dollar to be
worth less. Inflation is the reason a car costs $7,000 in 1981 and $17,000 in 2001. Over
the long term, inflation is good, because it means consumers are spending a lot of money --
the economy is robust. When inflation is too high, though, consumers pull back and
spend less. After all, $5 is a lot of money to spend on a candy bar. When consumers
spend less, companies don't make as much money. 

Savings Accounts


Credit cards

checking accounts