CESCM

Council For Employment
Studies And Career Research



Refinance

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Employment Studies

There were 2.7 million job openings on the last business day of Jan 2010, the U.S. Bureau of Labor Statistics reported today. The job openings rate rose over the month to 2.1 percent, the largest the rate has been since February 2009. The hires rate (3.1 percent) and the separations rate (3.2 percent) were unchanged in January. This release includes estimates of the number and rate of job openings, hires, and separations for the total nonfarm sector by industry and geographic region. This release also has annual estimates for hires and separations. The annual totals for hires and quits decreased in 2009 while the annual total for layoffs and discharges increased.

Employment Studies Articles
This information is provided from the US Bureau of Statistics
via the Department of Labor.


Foreclosure Related Jobs

Refinance Mortgages

On your home's balance sheet, a mortgage is a liability and, as such, is subtracted from your home's assets, which include the value of the home, to determine your home's net worth. Too many consumers fall into the trap of refinancing a mortgage in order to lower their monthly payments without considering how that refinancing affects their total net worth.

The best method for determining the economics of mortgage refinancing involves calculating a basic payback period. This equation is made by calculating the sum of the monthly payment savings that can be realized by refinancing into a new mortgage at a lower interest rate and determining the month in which that cumulative sum of monthly payment savings is greater than the costs of refinancing.

For example, if that calculation says that it will take 20 months for the cumulative monthly savings to be more than the costs of refinancing and the homeowner will hold the new mortgage for a minimum of 20 months, then this method would say that refinancing is an economically wise decision.

Mortgage Refinance

HGH Careers

Health / Medical Careers



Mixing medical technology with TLC, the healthcare industry diagnoses, treats, and administers care 24-7 around the clock, responding to the needs of millions of people—from newborns to the terminally ill.

About 595,800 establishments make up the healthcare industry; they differ vastly in terms of size, staffing patterns, and organizational structures. About 76 percent of healthcare establishments are offices of physicians, dentists, or other health practitioners. Although hospitals constitute only 1 percent of all healthcare establishments, they employ 35 percent of all workers

The medical profression includes establishments ranging from small-town private practices of physicians who employ only one medical assistant to busy urban hospitals that provide thousands of diverse jobs. In 2008, around 48 percent of non-hospital healthcare establishments employed fewer than five workers. In contrast, 72 percent of hospital employees were in establishments with more than 1,000 workers.