Consumer credit surges by most since 2001 (Reuters)

WASHINGTON (Reuters) ? Consumer credit surged 10 percent in November, its biggest jump in a decade in a positive signal for the economy as consumers tapped their credit cards and the government doled out more student loans.

Outstanding consumer credit increased to $20.37 billion during the month, the Federal Reserve said on Monday. That was the biggest gain since November 2001 and nearly three times the median forecast in a Reuters poll.

Revolving credit, which mostly measures credit-card use, rose $5.60 billion, a third straight monthly increase.

"Credit growth is a positive sign for the recovery in that it signals increasing demand and willingness to spend," said Paul Edelstein, an economist at IHS Global Insight in Lexington, Massachusetts.

Edelstein said, however, that there was a risk the credit growth could be a sign that chronic unemployment was leading more people to turn to credit to fund necessary expenditures.

The government said late last month that consumer spending edged up just 0.2 percent in November, with households cutting back on their saving.

JPMorgan economist Daniel Silver said the increase in credit card borrowing might have been aided by some big banks imposing new fees on debit card use. It "may have pushed people to favor credit cards over debit cards," he said.

The increase in consumer credit was the 13th in 14 months and the biggest jump since creditors boosted lending in the wake of the September 11, 2001, attacks in New York and Washington.

Nonrevolving credit, which includes student and auto loans, rose a seasonally adjusted $14.78 billion in November.

Government lending to students appeared to be a significant factor in the increase, rising $6.4 billion. Unlike the broader credit gauges, the student lending data is not adjusted for seasonal fluctuations.

Over the 12 months through November, government loans to students rose 31.9 percent, outperforming any other kind of non-revolving loans tracked by the Fed, including those made by commercial banks.

However, there are some signs the surge in student lending registered since the last recession is tapering off. Year-over-year increases in student lending peaked at 78 percent in September 2010 and have trended lower since then.

(Reporting by Jason Lange; Editing by Kenneth Barry and Leslie Adler)

Source: http://us.rd.yahoo.com/dailynews/rss/economy/*http%3A//news.yahoo.com/s/nm/20120109/bs_nm/us_usa_economy_consumercredit

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United States: California Labor Commissioner Amends Recently-Issued Guidance Regarding Wage Theft Prevention Act - Proskauer Rose LLP

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EDP24: New fears raised over oil tanker transfers in Lowestoft and Southwold http://t.co/JPDambQO #eastanglia #news

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fish oil + olive oil = healthy combo? :D

1. 

   ---

2. Yes both fish oil and olive oil are healthy fats to get in your body, whether or not you gain weight is determined by how many total calories a day you are eating.

   Team Athletic Edge Nutrition
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   ---

3. I do take olive oil everyday..and just ordered fish oil here on bb store... so i wonder..this combo is nice to get some weight? iam 5% bodyfat by the way so i want to bulk a bit to gain much more lean mucle then i cut a bit after yes both of them are good for general health
   they wont make you gain weight though, youll need a caloric surplus for that
   5% bodyfat? damn thats low. are you a professional bodybuilder? what's your weight?

   Drug free is the way to be (srs)

   

   ---

4. iam 70 kilos and 1,74m iam far from profissional lol iam just a low fat guy, and yes i know i need much others caloric foods to gain weight, just wanted to know it fish oil and olive oil would help too.

   thanks guys

   

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Vikings told Arden Hills not workable (Star Tribune)

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Want your kids to do better in school? Try exercise (Reuters)

(Reuters) ? Children who get more exercise also tend to do better in school, whether the exercise comes as recess, physical education classes or getting exercise on the way to school, according to an international study.

The findings, published in the Archives of Pediatrics & Adolescent Medicine, come as U.S. schools in general cut physical activity time in favor of more academic test preparation.

Amika Singh, who worked on the study, said the findings meant that schools should prioritize both academics and exercise and that families could have the same attitude at home.

"Maybe it's an activity break, stand up every half an hour in class and do something," said Singh, from VU University Medical Center in Amsterdam.

"It might mean going to school by bike ... Any kind of physical activity you can think of. It doesn't mean only the physical education standard class."

Singh and her colleagues reviewed 14 studies that compared kids' physical activity with their grades or scores on math, language and general thinking and memory tests.

Those included two types of reports, such as 10 so-called "observational studies" in which researchers asked parents, teachers or students themselves how active they were, then followed them for a few months to a few years to track their academic performance.

In the four other studies, one group of kids was given extra time for physical education classes and other health and fitness exercises, and their test scores were later compared against a group of kids who didn't get extra exercise.

When researchers asked students how much time they spent exercising, they found that those with higher rates of physical activity did better in the classroom.

Three of the four studies involving an exercise intervention found that students given more exercise time scored higher on measures of academic performance.

In one report from the United States, second and third graders who got an extra 90 minutes of physical activity per week did better on a test of spelling, reading and math, along with gaining less weight over the next three years.

That may be because children are better behaved and can concentrate better when they get enough exercise, or because physical activity improves blood flow to the brain and boosts mood, the researchers wrote.

"There's obviously the long-term links between physical activity and health," said Sandy Slater, who has studied recess and physical education at the University of Illinois at Chicago but wasn't involved in the latest study.

"But this is another reason to try to continue to keep some dedicated amount of time for physical education or recess or some other types of physical activity in the school day."

Recent research has suggested that many U.S. children are not getting the recommended amount of physical education and recess endorsed by the American Heart Association, which includes two and a half hours of physical education a week and 20 minutes of recess every day.

SOURCE: http://bit.ly/rMXkHY

(Reporting from New York by Genevra Pittman at Reuters Health; Editing by Elaine Lies and Yoko Nishikawa)

Source: http://us.rd.yahoo.com/dailynews/rss/health/*http%3A//news.yahoo.com/s/nm/20120104/hl_nm/us_children_exercise

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