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Do you know “How 1-Minute Intervals Can Improve Your Health”

While many of us wonder just how much exercise we really need in order to gain health and fitness, a group of scientists in Canada are turning that issue on its head and asking, how little exercise do we need?

The emerging and engaging answer appears to be, a lot less than most of us think — provided we’re willing to work a bit.

In proof of that idea, researchers at McMaster University in Hamilton, Ontario, recently gathered several groups of volunteers. One consisted of sedentary but generally healthy middle-aged men and women. Another was composed of middle-aged and older patients who’d been diagnosed with cardiovascular disease.

The researchers tested each volunteer’s maximum heart rate and peak power output on a stationary bicycle. In both groups, the peaks were not, frankly, very high; all of the volunteers were out of shape and, in the case of the cardiac patients, unwell. But they gamely agreed to undertake a newly devised program of cycling intervals.

Most of us have heard of intervals, or repeated, short, sharp bursts of strenuous activity, interspersed with rest periods. Almost all competitive athletes strategically employ a session or two of interval training every week to improve their speed and endurance.

But the Canadian researchers were not asking their volunteers to sprinkle a few interval sessions into exercise routines. Instead, the researchers wanted the groups to exercise exclusively with intervals.

For years, the American Heart Association and other organizations have recommended that people complete 30 minutes or more of continuous, moderate-intensity exercise, such as a brisk walk, five times a week, for overall good health.

But millions of Americans don’t engage in that much moderate exercise, if they complete any at all. Asked why, a majority of respondents, in survey after survey, say, “I don’t have time.”

FROM: well.blogs.nytimes.com/2012/02/15/how-1-minute-intervals-can-improve-our-health/
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They are telling us – “Why Credit Card Rates Remain So High”

Interest rates have been driven down on everything from bank accounts to mortgages. But new data shows borrowers still pay double-digit rates on one consumer staple — credit cards.

The average interest rate credit card holders paid during the fourth quarter 2011 was 12.78%, according to Federal Reserve data released today. That’s down from 13.08% during the previous quarter and 13.67% a year prior. Despite the declines, the latest data underscores that credit cards remain one of the most expensive forms of financing. By comparison, the average rate on new car loans is about 5% while 30-year mortgages are down to about 4.2%.

Banks say consumers will continue to see higher interest rates on credit cards than on other loans because they are riskier products. “The lender has to be compensated for the risk they’re assuming,” says Keith Leggett, vice president and senior economist at the American Bankers Association. Car loans and mortgages are considered less risky because they’re tied to actual collateral, he says.

Credit card rates are determined by several factors. They’re pegged to the prime rate, which has been 3.25% since 2009. Then card issuers tack on a margin, which was 9.53 percentage points in November, according to the latest data available, down from 10.42 in November 2010 and 11.12 in 2009. Issuers determine the margin based on the economy: High unemployment rates and bleak financial outlooks typically result in a higher margin as the lender prices in the likelihood of borrowers losing their jobs and missing card payments, says Odysseas Papadimitriou, chief executive at CardHub.com. (By comparison, in May 2000, the average margin hit a 20-year low of 5.52 percentage points; the unemployment rate that month was 4.0%.)

Also impacting their rates is that unlike other loans, credit cards aren’t necessarily paid down over time, says Dennis Moroney, research director of bank cards at TowerGroup. Instead, they’re moving targets allowing for debt to rise or drop at the borrower’s discretion.

More details at: blogs.smartmoney.com/advice/2012/02/07/why-credit-card-rates-remain-so-high/?link=SM_hp_ls4e
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…to get consumers hooked into recurring charges by signing up for “free trials,”

“These fake sites are for real”

After this week’s earlier entry about hundreds of sites set up to get consumers hooked into recurring charges by signing up for “free trials,” here’s another tale of shady site of a decidedly different flavor.

Looking for a loan modification? How about a work-at-home opportunity? Perhaps a weight loss plan? Debt relief? Or just a way to get stuff cheap or free? Those are some of the areas where consumers get sucked in to scams fast and hard.

So, the state Consumer Affairs office built the fronts of six sites that link to a page with red lights and the heading “This is a SCAM!!!”

The sites look just like the scam sites and mirror similar efforts undertaken by the Federal Trade Commission to jolt as many consumers as possible into reality and help them avoid getting ripped off.

“There are so many people online looking for help in so many areas and there are so many scams in so many areas,” said Consumer Affairs chief Barbara Anthony. “It’s a way of educating consumers in two ways: pointing out how vulnerable we all are to scam artists who take advantage of us and providing useful information for the problem they’re seeking to have resolved.”

The sites link to legitimate state sites with guidance for consumers and explain how the scam sites set you up to get taken.

The loan modification and debt relief sites are getting the most traffic so far, Anthony said. She said it’s amazing how many of these scams keep appearing. A site goes down and then another reappears.

“They’re like rabbits, they just keep populating,” she said.

FROM: boston.com/business/personalfinance/consumeralert/2012/02/these_fake_sites_are_for_real.html
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