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April 12, 2026 

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OVER-THE-COUNTER MARKET: A market that trades corporate stocks and other securities using a computerized network of dealers rather than an organized exchange. Over-the-counter market is most often used in reference to the National Association of Securities Dealers. Stocks traded over the counter tend to be smaller, less well-known, technology based firms. Start-up firms often begin offering their stock over the counter, then once established they move to organized exchanges, especially the New York Stock Exchange or the American Stock Exchange.

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SAVINGS DEPOSITS

Interest-paying bank accounts maintained by traditional commercial banks, credit unions, savings and loan associations, and mutual savings banks that are used by consumers to store wealth. Savings deposits are one of two types of time deposits. The other is certificates of deposit. Savings deposits, along with certificates of deposit and other near monies, are added to M1 to derive M2.

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Collecting WELFARE

I know word travels quickly among pedestrians of Shady Valley, but perhaps you haven't heard the latest. Pollyana Pumpernickel, the proprietor of Pollyana's Pet Palace, is no longer a pet proprietor. She's fallen on hard times, and fallen quite hard. Her husband of twelve years, Paul Pumpernickel has dumped her and their three young children to pursue insurance alternatives with Tricia Comer -- Smilin' Ted's sister and business partner in the All Comers Insurance Agency. Pollyana is distraught, to say the least. Paul Pumpernickel had been the dutiful househusband and caring father in his marriage partnership with Pollyana, but those duties fell onto the heavily burdened shoulders of Pollyana. The burden was too much. Pollyana's Pet Palace plundered into oblivion, leaving Pollyana penniless and jobless. Her only alternative was our government's public assistance program -- what you and I know as welfare. She's not pleased with her current social status, and neither, apparently is Winston Smythe Kennsington III, who ridicules poor Pollyana at every opportunity.
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Today, you are likely to spend a great deal of time flipping through the yellow pages trying to buy either a cell phone case or a pair of designer sunglasses. Be on the lookout for mail order catalogs with hidden messages.
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Helping spur the U.S. industrial revolution, Thomas Edison patented nearly 1300 inventions, 300 of which came out of his Menlo Park "invention factory" during a four-year period.
"It is the mark of an educated mind to be able to entertain a thought without accepting it."

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