RJ and Makay

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Birth order has a lot to do with one’s finances, how a person manages money and one’s credit score, says Derrick Kinney, an Ameriprise financial advisor at Derrick Kinney and Associates in Arlington Texas.  Birth order can also affect the amount of debt one accrues, according to Kinney. He recommends that people should temper their traits to realistically attain short-term and long-term goals.

To maximize your chances of getting a job, it's more effective to apply directly through company websites than social media or job boards. That's what job candidate tracker Jobs2web found when it analyzed 1.3 million applications and 26,000 hires in 2010.

According to the analysis, companies end up perusing 219 applications per job from candidates responding to posts on major board such as Monster.com or CareerBuilder before finding someone to hire. However, they only have to read 33 applications per hire from job seekers who apply on the company's own career site and 32 per hire when candidates type the job they're looking for into a search engine.

CareerBuilder and USA TODAY released their Mid-Year Job Forecast 2010 report. The report finds more of the same for the second half of the year. The report is jammed with statistics and human capital outlook information. More than 2,500 hiring managers and HR pros and 4,400 workers across industries participated in the survey.

Here's our summary of the stats and data in the report:

• 41 percent of hiring managers plan to hire in the months of July through December
• 42 percent of hiring managers don't plan to hire anymore this year
• One-in-five plan to hire full-time, permanent employees in Q3
• 24 percent of hiring managers reported they increased their full-time, permanent staff in Q2
• 11 percent of hiring managers report decreasing headcount in Q2, an improvement from 17 percent last year
• 21 percent of employers plan to augment their full-time permanent headcount in Q3 compared to 8 percent who expect to downsize