June nonfarm payrolls expanded by 80,000 and the unemployment rate held steady at 8.2%. There are still 12.7 million people classified as unemployed, with 41.9% of them being unemployed 27 weeks or longer. In the first quarter of 2012, the average payroll gain was 226,000 per month. The second quarter averaged a mere 75,000 per month. It seems as though job creation has effectively taken the early summer off.
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There comes a time in every reinvention–like running a marathon–when you feel you just can’t go on. You want to keep moving towards the finish line, but every step feels like slogging through waist-deep mud.
You’ve hit the wall, as long-distance runners say, and to get through that moment you must assess what’s weighing you down.
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New claims for unemployment benefits fell last week by 14,000 to 374,000, the lowest level in six weeks, according to the Labor Department. The four-week moving average of claims edged lower by 1,500 to 385,750. Also, Automatic Data Processing, a firm that processes payrolls for many companies, reported in its monthly announcement that businesses added 176,000 workers to their payrolls in June, a number that exceeded expectations.
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Health care was the best-performing S&P 500 sector in June and the second best-performing sector in the first half of 2012. In light of those facts and the Supreme Court’s decision to uphold the constitutionality of the Affordable Care Act, we thought we should reiterate why we have a positive stance on the sector.
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In 2001 when we started the journey of starting a family, my partner and I did not much consider the costs. This was not because we were wealthy, but instead, the decision to bring a child into the world was based on a deeper decision. However, it would have been better if we had known more. You may have heard that the cost to raise a child has increased 25 percent over the last 10 years with projected costs above $285,000 per child, according to the Department of Agriculture
. This does not include the cost of having the child, or the costs of college tuition. If there are readers who are either single or coupled in a nontraditional relationship – I offer few broad considerations related to the financial impacts of the ways to become a parent and the subsequent additional cost considerations.
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