We’re watching closely today for any clue to when the Federal Reserve could be raising interest rates, and most of the speculation hinges on just one word: “patient.” What does it mean and how did we get here? J.P. Morgan’s David Kelly is here to shed some light on the situation. Then, Facebook is adding the option to send other users money via its Messenger app. Tracey Samuelson tells us how the move could bring mobile payment into the mainstream and open up new revenue opportunities for the site. Finally, it’s taken as a given that that veterans from the post-9/11 era have had an especially hard time finding work. Anecdotal evidence is plentiful, but hard numbers are surprisingly elusive. Dan Weissmann investigates.