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[unable to retrieve full-text content]Reuters - Iran is still relying on decades-old technology to expand its nuclear program, a fact that suggests it might be having difficulties developing more modern machines that could speed up production of potential bomb material, experts say.

Source: http://us.rd.yahoo.com/dailynews/rss/iran/*http%3A//news.yahoo.com/s/nm/20120228/wl_nm/us_nuclear_iran_enrichment

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[unable to retrieve full-text content]Reuters - Georgia will abolish visas for Russians as it tries to attract bigger investment, President Mikheil Saakashvili said on Tuesday in a rare gesture of goodwill between the former Soviet republics which fought a war in 2008.

Source: http://us.rd.yahoo.com/dailynews/rss/russia/*http%3A//news.yahoo.com/s/nm/20120228/wl_nm/us_georgia_russia

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If you have decided to refinance your property or are investigating the possibility of a home equity loan but are concerned about your credit history, don't give up. There are still plenty of options available to you. Even if you have a bad credit history, it is possible to refinance your home or to get a home equity loan or line of credit. The lending industry has established new guidelines that make it much easier to refinance your existing mortgage or to get a home equity loan. If your credit is bad, there are lenders that are specialized to assist you with a loan package that will meet your needs at an interest rate that is affordable.

Many people refinance their home to make home improvements or to consolidate a current debt load such as credit card debt. Many lenders will offer you as much as 125% of what your home is worth, even if your credit history is less than perfect. The factors that will play into the approval your application include your current mortgage package, interest rate and what terms you are on, how long you intend to stay in the home, and the amount of overall debt you have. When you have equity in your home, the chances of you getting a lower interest rate will be greater than if you have no equity or only a little.

A home equity line of credit is something that works like a revolving account and your home is used as security against the loan. When you get a home equity line of credit, you will be approved for a set amount of credit. The maximum amount that you can take out at any given time will depend entirely on your credit limit. Home equity lines of credit typically come with a variable rate of interest, though you may be fortunate enough to find a fixed rate. How they work is that you will have a set amount that you will be able to borrow at any given time, and you will not be able to borrow more until that amount has been repaid. Sometimes, you will be given a specific schedule as to when you can borrow the money from your current available credit.

Receiving a home equity line of credit is often the ideal solution for those that want to remodel, put kids through college, or if extra cash is needed in the event of emergency financial situations. You are able to use the money for whatever purpose you need, and you will have the peace of mind knowing that you are prepared for life's unexpected situations.

Refinancing your existing mortgage, or obtaining a home equity loan has provided a solid solution to millions of Americans looking to meet their financial plans. Even when you have poor credit, there are specialized lenders out there helping people like you reach your goals.

The author - Ajeet Khurana - writes on finance topics, among others. He recommends: Mortgage Refinance and Home Equity Loans and Real Estate.

This entry was posted on Sunday, February 26th, 2012 at 1:42 am and is filed under Mortgage. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.informationwarehouse.co.uk/finance/mortgage/refinancing-your-mortgage-with-poor-credit/

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Believe it or not, pinball (that most beloved of nerd pastimes) hasn't always looked this way -- a familiar field of bumpers with a pair of forward facing flippers at the bottom. That particular design originated with the 1948 title Triple Action, the work of Steve Kordek who died this week at the age of 100. Kordek is credited with a number of innovations to the analog arcade games, including multi-ball mode and drop targets. All told, the pioneer designed well over 100 different machines for Genco, Bally and Williams -- some of the biggest names in the pinball pantheon -- over the course of his roughly 60 year career. So, it is with a heavy heart that we bid farewell to a man that provided us with hours of entertainment and cost us plenty of quarters.

Pinball pioneer Steve Kordek dies at 100 originally appeared on Engadget on Sat, 25 Feb 2012 01:38:00 EDT. Please see our terms for use of feeds.

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Well, that didn't take long. One day after agreeing to implement a do not track button as part of a new consumer bill of rights, Google has given the people what they want... sort of. Keep My Opt-Outs is a Chrome extension, developed by the Mountain View team, that will prevent advertisers from using your browsing history against you. Presumably, this function will get built straight into the browser one day but, for now, you have to go dig it up in the Chrome Web Store -- far from an ideal solution. Still, a tepid step into the shallow end is better than no step at all. You can install the extension yourself at the source.

Google tests the 'do not track' waters with a Chrome extension originally appeared on Engadget on Fri, 24 Feb 2012 16:41:00 EDT. Please see our terms for use of feeds.

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[unable to retrieve full-text content]AP - GOP presidential candidate Newt Gingrich said Thursday a U.S. apology to Afghan authorities for burned Qurans on a military base was "astonishing" and undeserved.

Source: http://us.rd.yahoo.com/dailynews/rss/usmilitary/*http%3A//news.yahoo.com/s/ap/20120224/ap_on_el_pr/us_gingrich_quran

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As large finance is concerned in shopping for a truck and its parts, industrial truck financing is essentially a secured finance. The security of the finance could also be given by way of any high fairness property of the finance seeker. Lenders could even safe the finance by taking in possession the deal papers of the truck from the loan seeker after he buys truck and the papers are returned when the mortgage is totally paid back. In the meantime the truck may be utilized by the owner for commercial purposes.

As a result of industrial truck finance is secured nicely, the lender corporations can afford to provide the finance at decrease interest rate. Particular person lenders have personal business truck financing curiosity rates. Compared, one can avail the finance at lower then the average interest rate. The borrowed amount will rely upon the make of the truck and if the truck to be purchased is used or new. Lenders also could look into the business the truck is going to generate. If there may be potential for greater income or enterprise from the truck, the lender feels extra secured and gives larger quantity as loan. Furthermore good credit of business truck finance seeker also performs an element in deciding over the borrowed amount. Because the finance is secured, lenders can provide a bigger reimbursement period of many years.

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Prior to creating a deal with the financer, just be sure you have searched the best truck seller. Verify creditability of the company from you plan to buy truck. In case you want truck components you may have many choices. You may original gear producer truck components from nearby seller or opt for cheaper aftermarket components with the quality remaining the same. You should buy grilles, headlight, transmissions, doorways, windshields, engine parts, tires, wheels etc. Replacement elements of truck may be shopped on-line from your home for high quality parts.

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For taking commercial truck finance certainly one of necessities is that you should have an expertise of minimal of two years as truck operator. As far as low credit score of the finance seeker is concerned, it may not be an issue for lender for the reason that finance is given on having a property of borrower which lender can sell to recuperate the quantity in case of payment default. Take a replica of your credit report from reputed credit rating company and examine it for errors before approaching the lender.

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Australia is a major agricultural producer, and due to its tremendous size and varying climates, there are many different vital industries, ranging from livestock, cropping and the fishing industry. As well as the jobs and revenue created from these industries there is also the many manufacturers that are supported by agriculture in the supply of principal equipment, such as tractors, ploughs, fencing tools, fishing boats, shearing gear, bird netting, fertilisers and milking machines. Agriculture also impacts other industries, such as transport and the food and clothing industries.

Dairy

The dairy industry is one of Australia?s major rural industries. It is estimated that approximately 40,000 people are employed on dairy farms and in manufacturing plants. Jobs are further created in transport and distribution, and research and development projects. It is a well established industry found in the temperate and some subtropical areas of Australia. The majority of dairy farms are found in Victoria, South Australia and Tasmania, and are responsible for the supply of milk that goes into the create of many different dairy products such as butter, cream, cheese, yoghurt, powdered milk, ice cream, as well as the milk we drink.

Beef

Another major agricultural industry in Australia the beef industry is extremely diverse, ranging from smaller farms in the south-east of Australia where there are higher stocking rates per acre due to a higher rainfall and more fertile soils, to the mammoth scale cattle stations covering hundreds of thousands of acres. The very first beef cattle arrived in 1788 with the first European Settlers, a total of only 6 head of cattle. This figure has escalated to over 20 million head today. Beef has become one of Australia?s successful export industries, with over 60% heading overseas.

Crops

The main crops in Australia include wheat, vegetables, fruit, cotton, sugarcane, barley, canola, oats and rice. Wheat is the largest grain gash in Australia and about 80% of it is exported, which makes Australia the fourth largest exporter after the United States, Canada and the European Union. There are about 25,000 farms in Australia that grow wheat as their major prick. It is milled into flour and passe in a diverse range of food products.

Wool

With Australia?s relatively aloof climate it is estimable to sheep and the production of wool. Wool growing properties are found in the north of Queensland, fair through recent South Wales, Victoria, South Australia, around to the mid-north of Western Australia, as well as in Tasmania. Flocks range in numbers from a few hundred to as many as 100,000 or more. There are a variety of breeds found in Australia today with different sheep being mature for meat and others being wool producers, although it is the Australian Merino that has had an overwhelming influence on the Australian wool industry. Merinos have very heavy fleeces that manufacture a elegant, high quality wool, a lot of which is exported. Currently there are around 72 million sheep in Australia.

Seafood

Because of Australia?s geographical isolation from other continents and its range of climatic zones, the diversity and cleanliness of marine life is honorable, meaning Australia can export a gargantuan range of seafood to the rest of the world. The fishing industry is the fifth most suitable in Australia after beef, wool, wheat and dairy. Australia is also the world?s largest producer of abalone and rock lobster.

The Importance of Agriculture in Australia
Australia is a major agricultural producer, and due to its tremendous size and varying climates, there are many different vital industries, ranging from livestock, cropping and the fishing industry. As well as the jobs and revenue created from these industries there is also the many manufacturers that are supported by agriculture in the supply of principal equipment, such as tractors, ploughs, fencing tools, fishing boats, shearing gear, bird netting, fertilisers and milking machines. Agriculture also impacts other industries, such as transport and the food and clothing industries.
Dairy
The dairy industry is one of Australia?s major rural industries. It is estimated that approximately 40,000 people are employed on dairy farms and in manufacturing plants. Jobs are further created in transport and distribution, and research and development projects. It is a well established industry found in the temperate and some subtropical areas of Australia. The majority of dairy farms are found in Victoria, South Australia and Tasmania, and are responsible for the supply of milk that goes into the create of many different dairy products such as butter, cream, cheese, yoghurt, powdered milk, ice cream, as well as the milk we drink.
Beef
Another major agricultural industry in Australia the beef industry is extremely diverse, ranging from smaller farms in the south-east of Australia where there are higher stocking rates per acre due to a higher rainfall and more fertile soils, to the mammoth scale cattle stations covering hundreds of thousands of acres. The very first beef cattle arrived in 1788 with the first European Settlers, a total of only 6 head of cattle. This figure has escalated to over 20 million head today. Beef has become one of Australia?s successful export industries, with over 60% heading overseas.
Crops
The main crops in Australia include wheat, vegetables, fruit, cotton, sugarcane, barley, canola, oats and rice. Wheat is the largest grain gash in Australia and about 80% of it is exported, which makes Australia the fourth largest exporter after the United States, Canada and the European Union. There are about 25,000 farms in Australia that grow wheat as their major prick. It is milled into flour and passe in a diverse range of food products.
Wool
With Australia?s relatively aloof climate it is estimable to sheep and the production of wool. Wool growing properties are found in the north of Queensland, fair through recent South Wales, Victoria, South Australia, around to the mid-north of Western Australia, as well as in Tasmania. Flocks range in numbers from a few hundred to as many as 100,000 or more. There are a variety of breeds found in Australia today with different sheep being mature for meat and others being wool producers, although it is the Australian Merino that has had an overwhelming influence on the Australian wool industry. Merinos have very heavy fleeces that manufacture a elegant, high quality wool, a lot of which is exported. Currently there are around 72 million sheep in Australia.
Seafood
Because of Australia?s geographical isolation from other continents and its range of climatic zones, the diversity and cleanliness of marine life is honorable, meaning Australia can export a gargantuan range of seafood to the rest of the world. The fishing industry is the fifth most suitable in Australia after beef, wool, wheat and dairy. Australia is also the world?s largest producer of abalone and rock lobster.

February 19th, 2012

Many those who frequently search online commonly hear the saying Given internet surveys but can be asking yourself exactly what the idea depends upon. Studies happen to be an excellent reference for enterprises for a long time and with the expanding availability of the web, internet surveys are getting to be a fantastic alternative to the cellphone and snail mail studies employed before. Not simply are internet surveys an excellent potential for enterprises but they are opportunity for people desperate to have easy money on-line. It?s the function of this article to look at what internet surveys are and how they can help enterprises along with a person working to make supplemental income on-line.

Online surveys are a simple and simply executed strategy the place where a business ask for beliefs regarding their products. And some really opinionated people will solution studies when it comes to finding their point of view known, many businesses realize that most of the people need a version of a bonus to respond to their studies. That is just how the on-line compensated survey system was born. Some imbalances 7zip for this style is having to pay visitors to understand electronic mails, be involved in talk groups, and write-up on websites though the compensated paid survey continues to be most widely used and useful strategy. Why is it that enterprises use these studies?

A strong strategic plan will most likely always incorporate in depth online survey and quite a few significant companies are spending significant amounts of capital each and every year on doing this online survey. Most business professionals recognize that assessing is a great approach to acquire information and online surveys are a very value-useful resource that is certainly more cost-effective next the popular studies employed before. Internet surveys can also be better than internet site suggestions forms and then there are businesses on-line committed to setting up internet surveys for enterprises who wish to take advantage of this feature. Alright, could that internet surveys may be ideal for enterprises however are they value anything to the home staff desperate to make supplemental income?

Research shows that on-line paid surveys online are some of the most widely used operate-at- incredimail house opportunities on the market and are a fantastic approach to have supplemental income in the extra time anytime. As you cant plan on finding abundant with this type of operate, you can create some first rate capital for a way a lot of time you are willing to make investments. Internet surveys are readily available as a result of lots of compensated survey websites and online marketing sources. Given internet surveys are questionnaires that an intruder might take and after that earn money from upon achievement. compensated survey businesses have emerged to connect shoppers with the making and service businesses that can help they then increase their products. Though it may be declared compensated internet surveys are the simplest ways to generate income on-line with virtually no expenditure, some survey businesses do demand a compact payment to begin with.

Many internet surveys can pay you through PayPal this means quick salary as soon as you complete the survey while others will opt to give a firm verify or capital sequence. Studies take 7zip about 20 min in order to complete and sometimes incorporate 25-50 inquiries. Corporations are willing to cover a person for taking their studies considering that the opinion in the consumer of a certain product, business, or brand will help the company make improvements to its promoting technique money product. As outlined above, lots of compensated internet surveys impose a fee to sign up but you will find other folks that allow you to enroll in and take studies at no cost.

While some people mature very wealthy utilizing on-line work at home techniques, most people have to start out anywhere. Whilst you might not get wealthy having compensated internet surveys, you can create a little extra capital which you?ll then invest in your on-line work at home business additional progress. There are several businesses that you may join up with which is at night extent of this article to deliniate these. An effective look up on Yahoo and google, Bing, or Yahoo will net you many businesses supplying a reverse phone lookup and if you study they then it?s likely you will likely have made to be a healthy to suit your needs.

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February 19, 2012 by admin

It can be tough when you are reading about some marketing strategy, and a lot of the details are left out because of an operating assumption that everybody knows those little details. Just imagine taking a complete newbie and trying to explain absolutely everything on adelaide carpet cleaners. So it can be assumed that incomplete knowledge on that will exist, and that just complicates the learning process. That is often the difference with success, some people do bother to learn more about something, and that enables them to be more effective with their business. If you like learning and discovering, then you can find a nice home in IM because those two aspects are a natural part of it. On the other hand, nothing teaches quite as well as experience, and if you discover something is missing then you will get feedback in some way. Internet marketing has for long captured and enamored the imagination of entrepreneurs. A few years back, there was only a handful of people who really understood the benefits of buying the things they wanted online. Originally this was because people didn?t trust the online buying process, making them nervous about handing over their personal information over the computer. But internet security has progressed and every day more people begin to trust buying over the internet as a way to save time and money. People know they?re able to buy the things they want without ever having to leave home. Sites like Amazon.com and eBay have enhanced the way purchases are made online, where people are able to buy everything from electronics to books using the web. Because of this new level of consumer trust, internet marketing is quickly becoming a very attractive career option that promises great money. Business owners are also offering services as well as products for sale online, which makes things even easier for customers. So, while internet marketing has grown exponentially in the last few years, there are still new internet marketing opportunities opening up all the time. You don?t have to be limited to one form of marketing, but have multiple avenues open to you for promoting your product or service. Offline marketing methods and tactics can seem quite limited when you compare them to the various options available for online marketers. This is why Internet marketing has its own appeal and people are being attracted to it for more than one reason. This article will explore some of the advantages of getting involved with internet marketing. You have been reading about these strategies, and we hope you are thinking about their possible uses in what you do. We have received a lot of feedback from users of melbourne carpet cleaners, and if it great and gives excellent results when applied in the right way. We suppose there may be things like time constraints that could make it difficult to do more with their online businesses. If you are like us, then you seriously consider any and all possible avenues for making more money. Remember that one of the simplest ways to achieve business growth is by simply doing more with your marketing and of course any separate advertising. In the end, a long time from now, just be sure you do not look back and wish you would have considered more options. The single most important advantage to online marketing is that even if you are on a limited budget you can launch a successful business. Can you think of any other type of business that you can start with very little capital? In fact, if you wanted to start any kind of offline enterprise, you?d most likely need a minimum of five or ten thousand dollars. And this is only for a rather modest business plan; anything on a higher scale would cost you a great deal more. Online marketing represents one of the few alternatives where you don?t need all this startup money. An average Joe can go out there, start a website and turn into a million dollar powerhouse. Internet marketing, like any other business, does demand a certain amount of study and dedication; you may struggle a little at the beginning. You do not, however, have to start out with any education, specific skills or capital investment. If you have what it takes, you can reach really high. If you want a simple way to sell online, you can become an affiliate for a company, and earn commissions for every product of theirs that you sell. This is a business opportunity you can start immediately, that has no up front costs at all. To advertise online you can pay for ads, but even here there are many free options, such as posting on free classified sites, writing articles about the products you?re selling or posting to online forums in your niche. Beyond this, there are few expenses needed to maintain an online business. In fact, you can keep your business running on a budget of less than $25 per week. You don?t need much more than web hosting, along with a few other services such as an online store and perhaps an autoresponder. It is true that not having money to invest in your online business means that it may take a little longer to build it. Yet you do at least have this option, which is not there when it comes to offline businesses. In almost every other case, without money you simply can?t start anything. Internet marketing is so appealing because it lets you forget about so many of the traditional hassles and costs of ordinary businesses. With an online business, you can quickly get started making money, either as an affiliate marketer selling other people?s products or with your own products or services. The number of ways you can operate this kind of business are endless. This is the business to get into if you want to be able to set up a system that will run automatically no matter where you are. So those are our gift to you, today, more IM methods you can put in your tool bag. We hope you have enjoyed our article on carpet cleaning brisbane and all that can be done with it, and the cool news is this was just a taste. There is always much more in-depth knowledge to be found, and there can sometimes be a substantial amount depending on what it is. Sure, there is a learning curve that you have to tackle, but do not lose momentum out of fear that you do not know enough to get started. The world is full of intelligent and highly talented people who only dream and never move forward to make their dreams real. When you simply focus each day on getting something done, you will be shocked and amazed at how fast your efforts multiply.

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Mark Murray discusses the contraception controversy, the GOP showdown in Michigan, and President Obama?s January fundraising numbers.

Amid shortages, hospitals trash scarce drugs

??Mounting shortages of crucial drugs are creating a new dilemma for the nation?s hospital pharmacists, who say they find themselves caught between following strict government rules for storage and safety ? or throwing away vital and lifesaving medications.

Source: http://www.msnbc.msn.com/id/3036697/vp/46388343#46388343

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Children may have highest exposure to titanium dioxide nanoparticles

Public release date: 15-Feb-2012
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Contact: Michael Bernstein
m_bernstein@acs.org
202-872-6042
American Chemical Society

Children may be receiving the highest exposure to nanoparticles of titanium dioxide in candy, which they eat in amounts much larger than adults, according to a new study. Published in ACS' journal, Environmental Science & Technology, it provides the first broadly based information on amounts of the nanomaterial a source of concern with regard to its potential health and environmental effects in a wide range of consumer goods.

In the study, Paul Westerhoff, Ph.D., and colleagues point out that titanium dioxide is a common additive to many consumer products, from food to paint to cosmetics. Westerhoff explained that the body releases the nanoparticles in feces and urine, sending them to wastewater treatment plants, which cannot prevent the smallest particles from entering lakes and rivers. Only one previous study, done a decade ago, reported on titanium dioxide content in a few commercial products. To fill the knowledge gap about the sources of humans' exposures, the researchers bought and tested food, personal care products, paints and adhesives and measured how much titanium dioxide they contain.

The group found that children consume more titanium dioxide than adults because sweets like candies, marshmallows and icing are among the products with the highest levels. The paper lists the names of the products tested and their titanium dioxide content. Westerhoff recommends that regulators shift their focus from the type of titanium dioxide used in paints and industrial processes to food-grade particles, because those are much more likely to enter the environment and pose a potential risk to humans and animals.

###
The authors acknowledge funding from the National Institutes of Health and the Water Environment Research Foundation.

The American Chemical Society is a nonprofit organization chartered by the U.S. Congress. With more than 164,000 members, ACS is the world's largest scientific society and a global leader in providing access to chemistry-related research through its multiple databases, peer-reviewed journals and scientific conferences. Its main offices are in Washington, D.C., and Columbus, Ohio.

To automatically receive news releases from the American Chemical Society contact newsroom@acs.org.

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Children may have highest exposure to titanium dioxide nanoparticles Public release date: 15-Feb-2012
[ | E-mail | Share ]
Contact: Michael Bernstein
m_bernstein@acs.org
202-872-6042
American Chemical Society

Children may be receiving the highest exposure to nanoparticles of titanium dioxide in candy, which they eat in amounts much larger than adults, according to a new study. Published in ACS' journal, Environmental Science & Technology, it provides the first broadly based information on amounts of the nanomaterial a source of concern with regard to its potential health and environmental effects in a wide range of consumer goods.

In the study, Paul Westerhoff, Ph.D., and colleagues point out that titanium dioxide is a common additive to many consumer products, from food to paint to cosmetics. Westerhoff explained that the body releases the nanoparticles in feces and urine, sending them to wastewater treatment plants, which cannot prevent the smallest particles from entering lakes and rivers. Only one previous study, done a decade ago, reported on titanium dioxide content in a few commercial products. To fill the knowledge gap about the sources of humans' exposures, the researchers bought and tested food, personal care products, paints and adhesives and measured how much titanium dioxide they contain.

The group found that children consume more titanium dioxide than adults because sweets like candies, marshmallows and icing are among the products with the highest levels. The paper lists the names of the products tested and their titanium dioxide content. Westerhoff recommends that regulators shift their focus from the type of titanium dioxide used in paints and industrial processes to food-grade particles, because those are much more likely to enter the environment and pose a potential risk to humans and animals.

###
The authors acknowledge funding from the National Institutes of Health and the Water Environment Research Foundation.

The American Chemical Society is a nonprofit organization chartered by the U.S. Congress. With more than 164,000 members, ACS is the world's largest scientific society and a global leader in providing access to chemistry-related research through its multiple databases, peer-reviewed journals and scientific conferences. Its main offices are in Washington, D.C., and Columbus, Ohio.

To automatically receive news releases from the American Chemical Society contact newsroom@acs.org.

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Source: http://www.eurekalert.org/pub_releases/2012-02/acs-cmh021512.php
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By CHRISTOPHER S. RUGABER | AP Economics Writer ? Published February 14, 2012 Modified February 14, 2012

By CHRISTOPHER S. RUGABER

WASHINGTON ? Americans rebounded from a weak holiday season and stepped up spending on retail goods in January. The latest government report on retail sales pointed to a slowly improving economy.

Retail sales rose at a seasonally adjusted 0.4 percent last month, the Commerce Department said Tuesday.

Consumers spent more on electronics, home and garden supplies, sporting goods, at department and general merchandise stores and at restaurants and bars. They also paid higher prices for gas.

Spending on autos fell in January, the report showed, even though automakers had previously reported higher sales last month. That could mean that dealers offered more discounts to attract buyers.

The January retail sales figures were an improvement from December, which were downwardly revised to show a flat reading. And excluding autos, building materials and gasoline station sales, core retail spending jumped 0.7 percent.

The "retail sales data are better than they look, but they don't suggest that consumption growth is about to set the economic recovery alight," Paul Dales, an economist at Capital Economics, wrote in a note to clients.

The government's retail sales report is its first look each month at consumer spending, which represents 70 percent of economic activity. The positive data suggest that hiring gains have boosted confidence and are encouraging more people to spend.

Higher retail sales have also prompted companies to increase the pace in which they restock their shelves.

Business stockpiles rose 0.4 percent in December, a separate Commerce report showed. Faster growth in inventories was a key reason the economy expanded at its best pace at the end of last year. Still, some economists expect the restocking to slow early this year.

Economists had expressed concerns that consumers might pull back on spending this year because their wages hadn't kept pace with inflation. And many consumers relied on savings to make up the difference.

The retail sales report shows consumers are managing to increase spending at the same pace they did late last year, despite only small gains in pay.

"The good news is that the strong January gain establishes that the consumer trend is not folding," said Pierre Ellis, an economist at Decision Economics.

Retail sales have risen about 21 percent since hitting a recession low. And they're nearly 6 percent above their pre-recession high.

January sales might have been stronger if auto sales hadn't dropped 1.1 percent. That was a surprise after most dealers reported sales increases last month.

The government's auto sales figures and the automakers' numbers don't always match up. And dealers may have also offered discounts in order to boost sales. Low interest rates, better loan availability and new car models have helped drive sales higher in the last three months.

Sales at gasoline stations rose 1.4 percent last month, the most in 10 months. Gas prices have risen steadily in recent months. The average price for a gallon of gas was $3.51 on Tuesday, up 12 cents from a month earlier.

One encouraging sign: consumers spent much more at general merchandise stores, a category that includes big chains such as Wal-Mart and Target, and at department stores such as Macy's. Sales at those stores jumped 2 percent, after declining 0.7 percent in December.

And Americans are spending more at restaurants and bars, which reported a 0.6 percent increase in sales.

Sales at online and catalog retailers fell 1.1 percent, the most in almost two years. Shoppers likely pulled back after the holiday shopping season.

Consumers are taking on more debt after cutting back immediately after the recession. Consumer borrowing, which includes credit cards, auto loans, and student loans, posted the biggest monthly gains in a decade in November and December. The increases could mean that consumers are more confident about the economy.

Hiring has picked up in recent months, which could support more spending. Employers added 243,000 net jobs last month, the fifth straight month of solid hiring. The unemployment rate fell in January to 8.3 percent, the fifth straight monthly decline.

More jobs have helped boost growth. The economy expanded at an annual rate of 2.8 percent in the final three months of last year.

Growth may slow a bit from that pace in the first three months of this year, in part because of the anticipated decline in inventory growth. Many economists forecast growth of between 2 percent and 2.5 percent this year.

Source: http://www.theolympian.com/2012/02/14/1989658/retail-sales-rose-04-percent-in.html

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Source: http://southjerseyrealestateagent.com/?p=8641

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