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The recently published unemployment report for the month of January shows a slight drop in unemployment to 9.7 percent from a little over 10 percent; but there was still a loss of 20,000 jobs for the month. I am not a statistician or economist, but it seems to me that there are a lot of folks seeking employment. Coupled with the decline in home values across the country and it is not difficult to understand why people are walking away from their homes with high mortgage balances and reduced values (underwater). A recent NY Times article provides more insight on this "walking away" aspect of the unemployment picture.

Anyone who can speak with authority on the unemployment situation, when asked for possible solutions to the problem responds by stating that small business must do more hiring. Small business owners complain about a shortage of financing due to a lack of bank lending; So if small business and entrepreneurs are expected to "boost" the economy, but are incapable; And unemployed folks can't get hired, what is the answer? Start your own business? That may be a possibility but there are many aspects to this option that must be considered.

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First, it is going to depend on the kind of business you are going to start, because if you have to establish a "Brick and mortar" complete with machinery, equipment and staff, you too will probably need financing for "start-up costs", "budgets", and reserves based upon "income and expense projections" and if loans are not available, this may not be possible either. However, if you believe, as I do, that there are many online business opportunities for aspiring independent contractors, entrepreneurs and small business owners without the required monetary investment as with the brick and mortar (traditional offline retail, office or industrial business, to name a few), then these are possibilities that should be explored.

There is one similarity between offline businesses and online business which can be applied across the board. "Product knowledge" is the term used in professional sales during the '80s and '90 when seminars were very popular and were attended by many of my real estate and mortgage colleagues, but the idea was to obtain frequent and up-to-date knowledge and information about your profession. Product knowledge is one of the requirements for starting a business, whether it will be offline or online. Anyone who owned a business knows understands this requirement from practical experience. If you have not owned a business but expects to start one, I can state with certainty that having an in depth knowledge of the business to be created is just as important as capital with which to finance it.

Job security? Questionable!

Employers' focus? Profits!

Employees' benefits? Questionable!

Your financial future? Take a look!

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An Online business may not cost as much financially to start up as offline brick and mortars, but the training and educational requirements are as integral a part of starting the business and being successful at it as any other aspect of the venture. To be prepared for entry into any of the internet professions one must be willing to work hard (go the extra mile), study hard (read the extra book or training manual), and be decisive in actions.

The real training can be obtained in a variety of free courses available at the this affiliate network as mentioned above.

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Let's face it! While the job market numbers fluctuates up and down, unemployment to the unemployed remain constant. Some among those unemployed persons must retrain for a new career. Send the resumes, but explore alternatives while you wait.

Where Are the Jobs?

I recently listened to a CNN program called "Your Money" hosted by Ali Velshi and discussions in the first part of the program dealt with the US debt, the banks bail-out when the economy was "teetering on the brink of disaster", to use a popular catch-phrase and how much of a role the government can play in the creation of jobs that will get the economy back to performing at an acceptable level. As my attention wavered from the program a thought occurred to me that there are some job types are lost forever and people who did those jobs (some very well) must look elsewhere (a different area altogether) for employment.

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THE EMPLOYMENT SITUATION

JULY 2010

Total non farm payroll employment declined by 131,000 in July, and the unem-ployment rate was unchanged at 9.5 percent, the U.S. Bureau of Labor Statistics reported today. Federal government employment fell, as 143,000 temporary workers hired for the decennial census completed their work. Private-sector payroll employment edged up by 71,000.

Household Survey Data

Both the number of unemployed persons, at 14.6 million, and the unemployment rate, at 9.5 percent, were unchanged in July. (See table A-1.)

Among the major worker groups, the unemployment rate for adult men (9.7 per-cent), adult women (7.9 percent), teenagers (26.1 percent), whites (8.6 per-cent), blacks (15.6 percent), and Hispanics (12.1 percent) showed little or no change in July. The jobless rate for Asians was 8.2 percent, not seasonally adjusted. (See tables A-1, A-2, and A-3.)

In July, the number of long-term unemployed (those jobless for 27 weeks and over) was little changed at 6.6 million. These individuals made up 44.9 per-cent of unemployed persons. (See table A-12.)

The civilian labor force participation rate (64.6 percent) and the employment-population ratio (58.4 percent) were essentially unchanged in July; however, these measures have declined by 0.6 percentage point and 0.4 point, respectively, since April. (See table A-1.)

The number of persons employed part time for economic reasons (sometimes referred to as involuntary part-time workers) was essentially unchanged over the month at 8.5 million but has declined by 623,000 since April. These individuals were working part time because their hours had been cut back or because they were unable to find a full-time job. (See table A-8.)

About 2.6 million persons were marginally attached to the labor force in July, an increase of 340,000 from a year earlier. (The data are not seasonally adjusted.) These individuals were not in the labor force, wanted and were available for work, and had looked for a job sometime in the prior 12 months. They were not counted as unemployed because they had not searched for work in the 4 weeks preceding the survey. (See table A-16.)

Among the marginally attached, there were 1.2 million discouraged workers in July, up by 389,000 from a year earlier. (The data are not seasonally adjusted.) Discouraged workers are persons not currently looking for work because they believe no jobs are available for them. The remaining 1.4 million persons marginally attached to the labor force had not searched for work in the 4 weeks preceding the survey for reasons such as school attendance or family responsibilities. (See table A-16.)

Establishment Survey Data

Total non-farm payroll employment decreased by 131,000 in July, reflecting the departure of 143,000 temporary Census 2010 workers from federal government payrolls. Total private employment edged up over the month (+71,000). Thus far this year, private sector employment has increased by 630,000, with about two-thirds of the gain occurring in March and April. (See table B-1.)

Manufacturing employment increased by 36,000 over the month. Motor vehicles and parts had fewer seasonal layoffs than normal for July, contributing to a seasonally adjusted employment increase of 21,000. The industry had added 32,000 jobs in the first 6 months of the year. In July, employment in fabricated metals rose by 9,000. Manufacturing employment has expanded by 183,000 since December 2009.

Health care added 27,000 jobs in July. Over the past 12 months, health care employment has risen by 231,000.In July, employment in transportation and warehousing edged up by 12,000. Since a recent low in February, transportation and warehousing has added 56,000 jobs.

Mining employment rose by 7,000 in July, with the gain concentrated in support activities for mining. Mining has added 63,000 jobs since October 2009.

Employment in professional and business services was little changed (-13,000) in July. The number of jobs in temporary help services showed little movement (-6,000) over the month.

Employment in financial activities continued to trend down in July, with a decline of 17,000. So far this year, monthly job losses in the industry have averaged 12,000, compared with an average monthly job loss of 29,000 for all of 2009.

Construction employment changed little (-11,000) in July; 10,000 construction workers were off payrolls due to strike activity.

Employment in other private-sector industries, including wholesale trade, retail trade, information, and leisure and hospitality showed little change in July.

Government employment fell by 202,000 in July, largely reflecting the loss of 143,000 temporary workers hired for Census 2010. Employment in both state and local governments edged down over the month.

In July, the average workweek for all employees on private non-farm payrolls increased by 0.1 hour to 34.2 hours. The manufacturing workweek for all employees increased by 0.1 hour to 40.1 hours, following a decrease of 0.5 hour in June. The average workweek for production and non-supervisory employees on private non-farm payrolls increased by 0.1 hour to 33.5 hours in July. (See tables B-2 and B-7.)

Average hourly earnings of all employees on private non-farm payrolls increased by 4 cents, or 0.2 percent, to $22.59 in July. Over the past 12 months, average hourly earnings have increased by 1.8 percent. In July, average hourly earnings of private-sector production and non-supervisory employees increased by 2 cents, or 0.1 percent, to $19.04. (See tables B-3 and B-8.)

The change in total non-farm payroll employment for May was revised from +433,000 to +432,000, and the change for June was revised from -125,000 to -221,000.

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