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January 13, 2026 

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FEDERAL FUNDS: Deposits that banks keep with the Federal Reserve System. These deposits are important for bank stability, clearing checks between banks, money creation, and money supply control. They are also borrowed and loaned between banks through the federal funds market. The interest charged for these loans is the Federal Fund rate.

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PHENOMENON

An event or action that is subject to investigation, analysis, and explanation using the scientific method. Phenomena are the sorts of things that science seeks to explain. They can be common events, like the blowing wind, or unusual, like the extinction of the dinosaurs.

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Today, you are likely to spend a great deal of time driving to a factory outlet seeking to buy either a coffee cup commemorating next Thursday or a replacement remote control for your stereo system. Be on the lookout for high interest rates.
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This isn't me! What am I?

Lewis Carroll, the author of Alice in Wonderland, was the pseudonym of Charles Dodgson, an accomplished mathematician and economist.
"I can't change the direction of the wind, but I can adjust my sails to always reach my destination."

-- Jimmy Dean

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