Some good news, but it all has to be put in perspective. As Mark Thoma points out, 120,000 jobs is about what is needed to keep unemployment from rising. In addition, the drop in the unemployment rate was driven largely by the drop in the participation rate, not the rise in employed. That’s going to be greater relevance if the extension of unemployment benefits is further blocked (in other words, there are offsetting employment effects from UI, as discussed in this rejoinder to Mulligan). More discussion at Izzo/WSJ RTE. I’m going to focus on data from the establishment survey.

The main points:

  • Nonfarm payroll, and the civilian employment series adjusted to conform to the NFP series both continue to rise, with the latter rising more rapidly.
  • Aggregate weekly hours in the private sector continues to rise more rapidly than employment, but has not caught up.
  • Total government employment continues to decline.
  • Most of the decline in government employment is at the state and local levels.

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Tags: Employment, Employment Situation

Just when you think you’ve recovered from the Thanksgiving celebration, you turn around and find nothing but more holidays. Although the holidays are a joyous time for families and friends, they are a lot of work. This time of year usually means shopping for presents, shopping for food, returning those presents for different presents, and discovering you need to go buy more food (at least in my family). For those on the other side of the spending frenzy, the small businesses, this means a lot of credit card processing.

Whether you’re a small business getting ready to experience the holiday season for the first time or a company that knows the drill, credit card processing will be extremely important. With everything that companies have to worry about around the holiday season—holiday greeting cards, holiday promotions and sales, product shipments, etc.—credit card processing often gets put on the bottom of the priority list. If this

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Tags: Holidays

It is least expensive to refinance a mobile home loan directly with your original lender. When you refinance directly, the original lender is less likely to charge refinancing, prepayment or other penalties to your loan. However, you may not always find the best refinancing offers through a direct refinance. If you are considering going with a third party, select a lender that is approved by the FHA for guaranteed manufactured home refinancing loans. Loans guaranteed by the FHA offer low rates, and they are excused from private mortgage insurance.

Tags: Home Loan, Loan, Mobile Home, Mobile Home Loan

A year after graduating high school, I remember throwing one of the biggest parties while my mom and step-dad were out of town one weekend.   There were tons of people and for one night I felt like the man.

It was short lived as the police showed up to shut it down.

Nonetheless, it feels pretty cool to take a chance and throw an event that gets people excited to show up.

This past October I attended the first annual Financial Blogger Conference and it was, by far, one of the coolest events Ive ever attended. I

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Tags: Throw, Throw Kick

Every business wants to take advantage of holiday cheer. It’s the vessel through which seasonal sales are made. Even if you don’t like the holidays you have to play along, lest you be called a Grinch. But what’s the secret of holiday sales? How are some retailers able to attract more traffic than others? More importantly, how can small merchants even begin to compete with the corporate retail giants and their multi-million dollar marketing campaigns?

“When the sales of your products or services are increasing you get that feeling that all is good with the world,” points out Susan Oakes for the blog M4B Marketing. “When sales are heading in the wrong direction your stomach can feel like it has turned into a tumble dryer just churning away endlessly. Even though all business[es] experience ups and downs with sales this is cold comfort when you are seeing a downward spiral.”

The answer, to be brief, is customer service. Large retaile

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Many homeowners across the country have a mortgage balance that is more than what their home is worth. This phenomenon is known as an upside-down mortgage or an underwater mortgage. Refinancing the mortgage is typically not the solution because a lender does not want to lend more money than the home is worth. Because underwater mortgages are a problem nationwide, several options are available to homeowners that are in this situation options that allow the homeowner to stay in their home and the lender to continue receiving the mortgage payments due.

Mortgage Modification

The first option that underwater mortgage borrowers should start with is a mortgage modification request. You request a mortgage modification with your current lender. When you contact the lender, ask to speak to a representative in the loss mitigation department.

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Tags: Mortgage, Mortgage Rightside