TNJL Facts and Numbers: Sourced Stats

33 short facts with a source next to each one. Our own data was pulled from public government data sets; market facts last reviewed October 24, 2026.

Our Own Data

Our own data, rebuilt from public data sets
Number	Source	Pulled
New US jobless claims were 189,000 for the week of October 31, 2026, with a 4 week average of 194,750.	Our layoff tracker from FRED ICSA	November 11, 2026
The CFPB logged 706,653 credit reporting complaints in October 2026, 93% of all 757,162 complaints that month.	Our CFPB complaints tracker from the CFPB complaint database	November 10, 2026
The most common credit report complaint is "Incorrect information on your report" (431,778 complaints in October 2026).	Our CFPB complaints tracker	November 10, 2026
The median credit card APR was 24.49% across 622 card plans; 25.74% at the 25 biggest issuers and 13.99% at smaller banks and credit unions.	Our credit card APR page from the CFPB card plans survey	November 10, 2026

Forex Market

Fact	Source
The forex market trades about $7.5 trillion on an average day, per the 2022 BIS Triennial Survey, which makes it the biggest market in the world.	BIS Triennial Central Bank Survey, 2022
Forex runs 24 hours a day, 5 days a week, from the Sydney open on Sunday evening to the New York close on Friday (US Eastern time).	Common rule of thumb or market convention
Most regulated brokers in the EU and UK must show the share of retail accounts that lose money on CFDs, and that number is usually between 60% and 80%.	EU (ESMA) and UK (FCA) CFD risk warning rules
A common beginner rule is to risk no more than 1% of the account on any single trade, so 10 losses in a row still leave about 90% of it.	Common rule of thumb or market convention

AI And Copy Trading

Fact	Source
Most MT4 and MT5 trading bots are called Expert Advisors (EAs) and run only while the platform or a VPS is switched on.	MetaQuotes MetaTrader platform documentation

Gold And Signals

Fact	Source
Gold is quoted as XAUUSD, and one standard lot is 100 troy ounces.	CME Group gold futures contract specs (100 troy ounces)
Gold usually moves most during the London and New York overlap, roughly 8am to 12pm US Eastern time.	Common rule of thumb or market convention

Indicators

Fact	Source
RSI was created by J. Welles Wilder in 1978 and its default setting is 14 periods.	J. Welles Wilder, New Concepts in Technical Trading Systems, 1978
The MACD default settings are 12, 26 and 9, and they date back to Gerald Appel in the late 1970s.	Gerald Appel, creator of MACD (late 1970s)
TradingView's free plan allows a limited number of indicators per chart, so most beginners pick 2 or 3 that don't repeat each other.	Common rule of thumb or market convention

Forex Basics

Fact	Source
For most currency pairs a pip is the 4th decimal place (0.0001); for yen pairs it's the 2nd decimal place (0.01).	Market convention, see CFTC forex basics
One standard lot in forex is 100,000 units of the base currency; a micro lot is 1,000 units.	Market convention, see CFTC forex basics
In the US, retail forex borrowing power is capped at 50:1 on major pairs by the CFTC and NFA.	CFTC and NFA retail forex rules

Prop Firms

Fact	Source
Most prop firm challenges set a daily loss limit around 5% and an overall loss limit around 10% of the account.	Typical prop firm rule sets we reviewed

Crypto

Fact	Source
Ethereum moved to proof of stake in September 2022, which is what made ETH staking possible.	ethereum.org: The Merge
Crypto markets trade 24/7, including weekends and holidays.	Common rule of thumb or market convention

AI Income

Fact	Source
ChatGPT reached 100 million users about two months after launch, one of the fastest adoptions of any app.	UBS study reported by Reuters, February 2023

Leaving A Job

Fact	Source
A common rule of thumb is to save 3 to 6 months of living costs before leaving a job.	Common rule of thumb or market convention
In the US, leaving a job can end employer health cover, and COBRA can extend it for up to 18 months at full cost.	US Department of Labor: COBRA
A standard 9 to 5 with a lunch hour works out to about 40 hours a week, or roughly 2,080 hours a year.	Our math: 40 hours x 52 weeks

FIRE And Retirement

Fact	Source
The 4% rule comes from the 1998 Trinity study on how much retirees could withdraw from a stock and bond mix.	Cooley, Hubbard and Walz, 1998 (the Trinity study)
A common FIRE target is 25 times your yearly spending, which is the 4% rule turned around.	The 4% rule turned around (1 / 0.04 = 25)

Retirees

Fact	Source
In the US, Social Security full retirement age is 67 for anyone born in 1960 or later.	Social Security Administration: full retirement age
Scams aimed at people over 60 often promise fast returns; a real offer never needs you to decide today.	Common rule of thumb or market convention

Compound Growth

Fact	Source
The rule of 72 says money doubles in about 72 divided by the yearly growth rate, so 8% doubles in about 9 years.	Standard compound growth math

Money Basics

Fact	Source
An emergency fund is usually 3 to 6 months of essential costs kept in an easy to reach savings account.	Common rule of thumb or market convention
The 50/30/20 budget splits take home pay into needs, wants and savings.	Elizabeth Warren and Amelia Warren Tyagi, All Your Worth, 2005

Affiliate Marketing

Fact	Source
Most affiliate programs pay on a set cookie window, often 30 days, after someone clicks your link.	Common rule of thumb or market convention

Faceless Video

Fact	Source
YouTube Shorts can be up to 3 minutes long since October 2024.	YouTube announcement, October 2024

How We Pick These Facts

Every number here has a source we can point to: a regulator, an official data set, the person who created the tool, or plain math we show. Rules of thumb are labeled as rules of thumb. When a source changes, we fix the fact and the date. See how we research and our free tools and data pages.

Questions People Ask

Can we cite these numbers?

Yes. Please link to this page or to the original source shown next to each number. Our own data pages list the exact data set, the period it covers and the date we pulled it.

How often is this page updated?

Our own data rebuilds automatically: jobless claims weekly, CFPB complaints and card APRs monthly. The market facts are checked against their sources and were last reviewed on October 24, 2026.

Do these numbers predict income or trading results?

No. These are facts about markets, rules and public data. Nothing here is a promise of income, and trading forex, gold or crypto is high risk, so you can lose money.