The first six months of 2013 represented the best half-year for job creation since 2006. But last Friday's jobs report cast doubt on whether the economy can build on this momentum. The Bureau of Labor Statistics announced that 162,000 new jobs were created in June, the lowest total since March. To add insult to injury, previously released figures for May and June were revised downwards by a total of 26,000 jobs. Until those downward revisions, the job creation numbers for the second quarter had been 199,000 for April, and 195,000 for each of May and June. The hope was that the employment market could build upon this consistency and start to post in excess of 200,000 new jobs per month. Instead, the figure of 162,000 new jobs was a letdown. If job creation continues at that pace for the second half of the year, it would be the worst half-year since the second half of 2010. This loss of momentum could slow the upward progress of interest rates. This is good news for consumers looking for mortgages, but bad news for people with money in savings accounts and other deposit vehicles.