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		<title>Using Prepaid Phone Cards, Send A Fax Or Dial-up Internet Service &#8230;</title>
		<link>http://theexchangeart.com/988/using-prepaid-phone-cards-send-a-fax-or-dial-up-internet-service/</link>
		<comments>http://theexchangeart.com/988/using-prepaid-phone-cards-send-a-fax-or-dial-up-internet-service/#comments</comments>
		<pubDate>Sun, 20 May 2012 00:37:19 +0000</pubDate>
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		<description><![CDATA[The use of prepaid phone cards, created over the years. In the past they were used to invite people to a mobile, landline or payphone use. But today, they can be used in a number of other services, such as sending faxes and connect to the Internet. Because of these additional services, more and more [...]]]></description>
			<content:encoded><![CDATA[<p>The use of prepaid phone cards, created over the years. In the past they were used to invite people to a mobile, landline or payphone use. But today, they can be used in a number of other services, such as sending faxes and connect to the Internet.</p>
<p>Because of these additional services, more and more people connect using prepaid phone cards. Learn how to send fax messages and connect to the Internet through simple steps listed below.</p>
<p>When sending a fax during pre-paid phone cards</p>
<p>Sending a fax is as easy as an international call. You just have to turn on the speakerphone or lift the handset to start sending the fax. You will start dialing the area code and follow the instructions written on the card. Since different instructions for different cards, you have to follow any directions indicated on your card.</p>
<p>Most prepaid phone cards to teach, enter the PIN code, then press the START button to start sending a fax. Using prepaid phone cards to send fax messages, cheaper to use. That&#8217;s why many people use these cards fax communication purposes.</p>
<p>Connecting to the Internet using prepaid phone cards</p>
<p>Those who choose the Internet dial-up services, take advantage of prepaid phone cards. There are actually several brands of cards in each country. One of them has to choose the fastest and most reliable prepaid phone cards faster and easier access to the Internet.</p>
<p>For those who are using Windows Dial Up Networking, you can easily create your own modem work on a new connection, and then the ISP services. You must enter a user name and password after that. For convenience reasons, you can save a lot of information about the password to connect to the Internet faster.</p>
<p>If you can not connect to the Internet using a card, then you might have consumed your credits. Just use the &#8220;Edit&#8221; tab, you can complete the new user name and password. Remember that you need to have a local line to benefit from the prepaid phone card. Local loop is different in each country. So, you should see your card back label and choose which of these numbers should be in your area.</p>
<p>One should really consider other options to get to find out who is on his / her individual use of the best cell phone service. Pre-payment of services to be more favorable for less money on average, people usually use. Consumers who have the Net10 prepaid cell phone service, choose this one because it is more satisfaction in accordance with their requirements and they do not have the extra fees for additional services that are not going to be used by them.</p>
<p>Prepaid phone cards Internet connection is usually used when you are not a regular internet user. Since the line is much slower than using internet lines, these cards are often used for those who often can not access the Internet. These cards are also handy when you have a laptop and when you travel to another location.</p>
<p><b>Tags:</b> cheap phone service, cheap phone, cheap home phone, low income, free phone, government assistance, lifeline, prepaid, free home phone</p>
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		<title>Video: Facebook&#8217;s Impact on Branding</title>
		<link>http://theexchangeart.com/987/video-facebooks-impact-on-branding/</link>
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		<pubDate>Sat, 19 May 2012 05:37:24 +0000</pubDate>
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		<description><![CDATA[&#13; &#13; Will Facebook provide a gateway for other companies to advertise and grow their businesses? Michael Lazerow, Buddy Media CEO &#38; co-Founder, weighs in on the internet ecosystem. &#13; Related Links: Business &#38; financial news headlines from msnbc.com &#13; Top of page&#13; petrino fired george zimmerman charged tony romo big sean sherri shepherd sherri [...]]]></description>
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<p>Will Facebook provide a gateway for other companies to advertise and grow their businesses? Michael Lazerow, Buddy Media  CEO &amp; co-Founder, weighs in on the internet ecosystem.</p>
<p>&#13;                     Related Links:</p>
<p>Business &amp; financial news headlines from msnbc.com</p>
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		<title>Effective Candle LED Lighting Fixture &#124; &#8211; Help Selling Home</title>
		<link>http://theexchangeart.com/986/effective-candle-led-lighting-fixture-help-selling-home/</link>
		<comments>http://theexchangeart.com/986/effective-candle-led-lighting-fixture-help-selling-home/#comments</comments>
		<pubDate>Sat, 19 May 2012 03:28:27 +0000</pubDate>
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		<description><![CDATA[Employing candles can sometimes be a messy business, leaving dripping wax and even black smoke marks on the ceilings and even wall space. A lot of surfaces were destroyed or even wrecked by this process of illuminating. They can be a fire hazard also if it happen that you are not vigilant. Candle LED illuminations [...]]]></description>
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<p>Employing candles can sometimes be a messy business, leaving dripping wax and even black smoke marks on the ceilings and even wall space. A lot of surfaces were destroyed or even wrecked by this process of illuminating. They can be a fire hazard also if it happen that you are not vigilant. Candle LED illuminations are accent light bulbs which were fashioned to appear like burning candlesticks without having all of the messiness of the actual candle lights. LED candle lights provide the appearance of translucent wax along with a flickering fire, rendering all the attributes of real wax lights. LED candle lights could very well be installed on counters, shelves, mantles and consequently are going to enhance or further improve the atmosphere of any celebration or social gathering. Candle light is still a favorite mainly because of the very soft light that it gives off, despite the fact that we have additional energy saving illuminations accessible for use. Regular illumination cannot really create that warm gleam of candles burning. LED candles so closely appear like real candlesticks that you may possibly not even notice the distinction at first. LED wax lights are ideal and additionally regularly used at outdoors for pool gatherings and are resistant against rain and even wind, dissimilar to real candles.</p>
<p>Candle LED lights are useful to enhance your own bathroom, bed room as well as your dining table. These are generally the most excellent style of lighting for kids since they provide a smooth, warm light. They can also be purchased as gifts and in addition at some point use battery power or to simply describe, they are rechargeable. Individuals that like utilizing candlesticks will enjoy them, especially if they are wishing to try something different. They are often ordered on the net or maybe at nearly all home improvement type stores. Candle light LEDs are often acknowledged also as mood lamps because of the atmosphere they add to any room or space. They can be employed in countless individual methods because there are countless varieties. LED tea bulb candles appear fantastic. Wonderfully colored, illuminated candles that don?t burn down, and beautify any space or room. Color changing candles are also a beautiful addition for just about any event. Enviro-light candle illumination fixtures contain an existence life of 25 years or so dependent on their usage of approximately three hours everyday.</p>
<p>These lamps works extremely well as replacements for the customary incandescent and also fluorescent lamps as they are appropriate for most commercial and also household application types. LED lights have achieved value in this day and age. They are employed from the west to the east and additionally make awesome embellishments for virtually every room or space.</p>
<p>Candle LED lighting has taken over in this today, swapping lanterns of the old days. Scores of dwellings have recently modified their classic wax candles with LED candle lights. Most of these light fittings use battery packs and additionally they come in such a variety of designs and also elements and absolutely you?ll uncover something which fits your tastes. Light Emitting Diode candle lights come in numerous styles and then shades, like for example butterflies, and consequently some are perhaps scented, driving them to highly regarded. Some can even be handled by hand waving while others through pre-recorded voice messages. Because they are extremely energy-efficient, they are also cost effective. LEDs which can merge with the design of your residence, are already on the market today. If you have been serious about making changes in your house, beginning with your lights will bring the most excellent change in the shortest time frame.</p>
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		<title>Disco legend Donna Summer has died at age 63</title>
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		<pubDate>Sat, 19 May 2012 01:29:56 +0000</pubDate>
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		<title>What is liver disease? &#124; Health and Fitness</title>
		<link>http://theexchangeart.com/984/what-is-liver-disease-health-and-fitness/</link>
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		<pubDate>Fri, 18 May 2012 04:27:07 +0000</pubDate>
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		<description><![CDATA[1888 Articles HomeHealth ArticlesAlternative Articles Alternative RSS Liver disease is basically any kind of problem in normal functioning of the liver. Read more to know about liver disease symptoms and best treatments. Author:Amit Kothiyal Article Tools:?? ?????? Liver disease is basically any kind of problem in normal functioning of the liver. The liver is responsible [...]]]></description>
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<p class="article_summary">Liver disease is basically any kind of problem in normal functioning of the liver. Read more to know about liver disease symptoms and best treatments.</p>
<p>				<b>Author:</b><br />Amit Kothiyal</p>
<p>											Article Tools:??</p>
<p>							??<br />??<br />??</p>
<p>				Liver disease is basically any kind of problem in normal functioning of the liver. The liver is responsible for many important functions within the body and if there is a problem with liver it can cause major harm to the body. Liver disease is also called hepatic disease. </p>
<p> Liver disease is an all inclusive term that includes all the possible problems that can happen as regards to functioning of liver. </p>
<p> The liver is the largest organ in the body. It is also regarded as a gland because it secretes bile. It is situated in the upper right portion of the abdomen and is enclosed inside the rib cage.</p>
<p> Few of the common liver diseases symptoms are nausea, vomiting, pain in the abdomen, weight loss, weakness, jaundice etc. Nevertheless, as there are a number of liver diseases, the liver diseases symptoms are different for different diseases until late-stage liver disease and liver failure takes place. </p>
<p> Examples of liver disease symptoms due to certain conditions or diseases include: </p>
<p> A person who has stones in gall bladder may go through pain in right side of abdomen and vomiting after he or she eats something heavy. If the gallbladder gets infected, he may also fall sick. </p>
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<p> Gilbert?s disease does not have any symptom. </p>
<p> People with cirrhosis will build on progressive symptoms as the liver does not perform its functions properly. </p>
<p> Treatment of liver diseases varies from disease to disease. Every liver disease will have its own particular treatment. For example, a person suffering from hepatitis A needs supportive care to keep up hydration as the body?s immune system fights the infection. </p>
<p> Patients with gallstones need surgery for removal of the stones. Treatment of liver diseases needs long-term medical care so that the condition does not recur. </p>
<p> In case of end-stage liver disease, medicines are needed to control the amount of protein taken up in the diet. A cirrhosis patient may not be able to metabolize the waste products, and this would result in raised levels of ammonia in the body. Low sodium diet and water pills (diuretics) are then needed to decrease water retention. </p>
<p> There are a number of causes of liver damage. Apart from for gallstone disease and few viral infections such as Hepatitis A and infectious mononucleosis, generally all other liver diseases can just be managed and not be cured completely. </p>
<p> A minor liver ailment can also develop into cirrhosis and liver failure. Some liver diseases are linked with a chance for developing liver cancer.</p>
<p class="abt_au_htext">About Author</p>
<p>Are you suffering from liver disease  and looking for best treatment of liver diseases? Peoples-health.com an online health information guide that provides all useful information on liver disease, symptoms of liver disease, causes of liver disease ? and much more.</p>
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		<title>Video: A Trader&#8217;s View of the Market: &#8216;One Big Margin Call&#8217;</title>
		<link>http://theexchangeart.com/983/video-a-traders-view-of-the-market-one-big-margin-call/</link>
		<comments>http://theexchangeart.com/983/video-a-traders-view-of-the-market-one-big-margin-call/#comments</comments>
		<pubDate>Fri, 18 May 2012 02:26:43 +0000</pubDate>
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		<description><![CDATA[&#13; &#13; Jack Bouroudjian, Bull and Bear Partners CEO, discusses what traders are watching this morning, and why this may be the time to monetize protection and add to positions. &#13; Related Links: Business &#38; financial news headlines from msnbc.com &#13; Top of page&#13; the flintstones etta james ufc on fox evans vs davis fast [...]]]></description>
			<content:encoded><![CDATA[<p><img alt="" src="http://msnbcmedia3.msn.com/j/MSNBC/Components/Video/__NEW/_CNBC/c_squawkstreet_atraderamp_120516.standard.jpg" width="298" height="218" class="photo"/> 	<span class="credit contributor">&#13; 		&#13; 	</span>
<p>Jack Bouroudjian, Bull and Bear Partners CEO, discusses what traders are watching this morning, and why this may be the time to monetize protection and add to positions.</p>
<p>&#13;                     Related Links:</p>
<p>Business &amp; financial news headlines from msnbc.com</p>
<p>&#13;                 Top of page&#13;                 </p>
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		<title>Breast cancer society scam &#124; Healthy Lifestyle</title>
		<link>http://theexchangeart.com/982/breast-cancer-society-scam-healthy-lifestyle/</link>
		<comments>http://theexchangeart.com/982/breast-cancer-society-scam-healthy-lifestyle/#comments</comments>
		<pubDate>Fri, 18 May 2012 00:13:47 +0000</pubDate>
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		<guid isPermaLink="false">http://theexchangeart.com/982/breast-cancer-society-scam-healthy-lifestyle/</guid>
		<description><![CDATA[You? breast ve got no time on your own and also to take proper care of your wellbeing. If you? breast cancer society scam re able to find operate in a health care facility, elderly care, social services organization, home healthcare company or hospice center in almost any capacity, from nursing to administration, you? ll [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://flaminghooves.com/wp-content/uploads/2012/05/breast-cancer-society-scam.jpg" alt="breast cancer society scam Breast cancer society scam" title="breast cancer society scam"/>You? <b>breast</b> ve got no time on your own and also to take proper care of your wellbeing. If you? <b>breast cancer society scam</b> re able to find operate in a health care facility, elderly care, social services organization, home healthcare company or hospice center in almost any capacity, from nursing to administration, you? ll be a more satisfactory job candidate when you finish school. And it? s also appropriately stated the health insurance plan is most likely the greatest sigh of relief for that guy during the time of need. Rather your ultimate goal, while youre pregnant, must be focusing more about moderate exercise, and working out properly. Many states offer special certifications for health law lawyers. The type of benefit that? s great news for those individuals searching to get rid of how much they weigh. Within the decennial supplement within the years around 1981 is really a 10- fold rise in the mortality rate because of falls from high places among roofing contractors, mainly because of deficiencies in proper roofing items. Think about the lighting, the pc and also the seating. Urinary health: Cinnamon appears to become preventative against bladder infections. Seek advice from your <b>ribbon</b> insurance to ascertain if they provide exactly the same benefit. Below is advice plus some recommendations regarding reducing body fat in the stomach area. She? s there to reply to questions the individual might have and help him with things he might not understand. Yoga + Chocolate = Health! Department of Health insurance and Human Services provides the Scholarship grants for Disadvantaged Students Program for low earnings students, for instance. It might also imply that individuals which are having to pay for his or her healthcare through rates it might <b>designs</b> be less expensive. Around 271, 000 Medicare insurance receivers in Florida is going to be instantly mailed <b>cancer</b> a cheque <b>society</b> of $ 250 to defray the price of their prescription medications. An optimistic attitude towards health and fitness and a healthy body. Somefitness books <b>scam</b> cover the standard diet plans along with other generic <b>cancer</b> health problems which play an essential part in creating a good healthy body by enhancing your understanding about healthy diets and appropriate daily routine exercises. The entire nutrient value is maintained when green spinach is consumed raw or when incorporated in sauces, stews or casseroles. Advantages of Taking Inulin Supplements The most crucial factor to consider if you are thinking about adding inulin supplements for <b>breast cancer society scam</b> your weight loss program is that theyre not created for everybody. <b>tattoos</b> Self Employment Medical Health Insurance Deduction If you? <b>breast</b> re <b>breast cancer ribbon tattoos designs</b> self- employed, you might have the ability to subtract monthly medical health insurance rates on tax returns. </p>
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		<title>FTC: Skechers deceived consumers with shoe ads</title>
		<link>http://theexchangeart.com/981/ftc-skechers-deceived-consumers-with-shoe-ads/</link>
		<comments>http://theexchangeart.com/981/ftc-skechers-deceived-consumers-with-shoe-ads/#comments</comments>
		<pubDate>Thu, 17 May 2012 05:28:46 +0000</pubDate>
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		<description><![CDATA[WASHINGTON (AP) ? The government wants you to know that simply sporting a pair of Skechers&#8217; fitness shoes is not going to get you Kim Kardashian&#8217;s curves or Brooke Burke&#8217;s toned tush. Skechers USA Inc. will pay $40 million to settle charges by the Federal Trade Commission that the footwear company made unfounded claims that [...]]]></description>
			<content:encoded><![CDATA[<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content"><span id="dateLine" class="dateline">WASHINGTON</span> (AP) ? The government wants you to know that simply sporting a pair of Skechers&#8217; fitness shoes is not going to get you Kim Kardashian&#8217;s curves or Brooke Burke&#8217;s toned tush.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">Skechers USA Inc. will pay $40 million to settle charges by the Federal Trade Commission that the footwear company made unfounded claims that its Shape-ups shoes would help people lose weight and strengthen their butt, leg and stomach muscles. Kardashian, Burke and other celebrities endorsed the shoes in Skechers ads.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">The settlement, announced Wednesday, also involves the company&#8217;s Resistance Runner, Toners, and Tone-ups shoes. Skechers made deceptive claims about those shoes, too, says the agency.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">Consumers who bought the shoes will be eligible for refunds.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">The commission settled similar charges with Reebok last year over its EasyTone walking shoes and RunTone running shoes. That $25 million agreement also provided customer refunds.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">Skechers billed its Shape-ups as a fitness tool designed to promote weight loss and tone muscles with the shoe&#8217;s curved &#8220;rocker&#8221; or rolling bottom ? saying it provides natural instability and causes the consumer to &#8220;use more energy with every step.&#8221; Shape-ups cost about $100.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">Ads for the Resistance Runner shoes claimed people who wear them could increase &#8220;muscle activation&#8221; by up to 85 percent for posture-related muscles and 71 percent for one of the muscles in the buttocks, said the FTC.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">The commission says Skechers falsely represented that clinical studies backed up the company&#8217;s claims about its toning shoes. The settlement bars Skechers from misrepresenting any tests, studies or research on its shoes in the future.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">In Wednesday&#8217;s court filing, Skechers says it disputes the charges and is pursuing additional studies.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">The settlement is part of a broader agreement also being announced Wednesday ? a settlement resolving a multi-state investigation led by the attorneys general from Tennessee and Ohio and involving more than 40 states.</p>
<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content">The company, based in Manhattan Beach, Calif., will provide $40 million for customer refunds in the federal case and $5 million to the states.</p>
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		<title>Asus Eee Pad Transformer 9.2.1.24 update now available, includes face unlock and various other bug fixes</title>
		<link>http://theexchangeart.com/980/asus-eee-pad-transformer-9-2-1-24-update-now-available-includes-face-unlock-and-various-other-bug-fixes/</link>
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		<pubDate>Thu, 17 May 2012 03:22:32 +0000</pubDate>
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		<description><![CDATA[According to the folks in the Android Central Forums, a new update labeled as IML74K.US_epad-9.2.1.24-20120503 is currently rolling out to the Asus Eee Pad Transformer. A few things noted about the release after some testing indicates face unlock is now included, wallpapers no longer appear to be flickering and some other bug fixes seem to [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://cdn.androidcentral.com/sites/androidcentral.com/files/postimages/79186/tf101_with_android_ics.jpg" title="Asus Eee Pad Transformer"><img alt="Asus Eee Pad Transformer" class="lightbox2 imagecache-w680h550" src="http://cdn.androidcentral.com/sites/androidcentral.com/files/imagecache/w680h550/postimages/79186/tf101_with_android_ics.jpg" /></a><br /> According to <a href="http://forums.androidcentral.com/asus-eeepad-transformer/173927-firmware-update-5-16-2012-a.html">the folks in the Android Central Forums</a>, a new update labeled as IML74K.US_epad-9.2.1.24-20120503 is currently rolling out to the <a href="http://www.androidcentral.com/asus-eee-pad-transformer">Asus Eee Pad Transformer</a>. A few things noted about the release after some testing indicates face unlock is now included, wallpapers no longer appear to be flickering and some other bug fixes seem to of have been addressed. Have you got the update on your device yet? If so, <a href="http://forums.androidcentral.com/asus-eeepad-transformer/173927-firmware-update-5-16-2012-a.html">jump into the Android Central Forums</a> and let us know.</p>
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		<title>Exclusive: Over 55 and jobless, Americans face tough hunt</title>
		<link>http://theexchangeart.com/979/exclusive-over-55-and-jobless-americans-face-tough-hunt/</link>
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		<pubDate>Thu, 17 May 2012 01:12:01 +0000</pubDate>
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		<description><![CDATA[WASHINGTON (Reuters) &#8211; Jean Coyle, 67, has a new kind of ministry. The former professor had just begun a career as a Presbyterian minister in Virginia when the economic downturn forced her church to let her go in 2007. After that, she found only temporary work. She relied on savings while job hunting, but at [...]]]></description>
			<content:encoded><![CDATA[<p class="first">WASHINGTON (Reuters) &#8211; Jean Coyle, 67, has a new kind of ministry.</p>
<p>              The former professor had just begun a career as a Presbyterian minister in Virginia when the economic downturn forced her church to let her go in 2007. After that, she found only temporary work.</p>
<p>              She relied on savings while job hunting, but at 64, had to dip into her <span class="yshortcuts" id="lw_1337107839_2">Social Security</span> benefits. She officially retired in 2010. For spending money, she plans to start teaching a water aerobics class to earn $40 a week.</p>
<p>              &#8220;I&#8217;m not going to get wealthy on that,&#8221; she said. &#8220;It&#8217;s not really the ministry I expected to have.&#8221;</p>
<p>              Coyle is among the many unemployed, <span class="yshortcuts" id="lw_1337107839_4">older Americans</span> who, while struggling to reenter the workforce, have growing worries that their <span class="yshortcuts" id="lw_1337107839_5">retirement</span> security is at risk.</p>
<p>              The number of long-term unemployed workers aged 55 and older has more than doubled since the recession began in late 2007. Getting back to work is increasingly difficult, according to a government report being released on Tuesday.</p>
<p>              For unemployed <span class="yshortcuts" id="lw_1337107839_6">seniors</span>, the chances of reentering the workforce are grim.</p>
<p>              Experts worry that unemployed seniors face a long-term threat as the impact of lost wages compounds.</p>
<p>              In what should be their prime earning years, these <span class="yshortcuts" id="lw_1337107839_3">older workers</span> rely on savings, miss out on potential wages and prematurely tap into Social Security &#8211; all at a time when Americans live longer and health care and other living costs are rising.</p>
<p>              About 55 percent of jobless seniors, or 1.1 million, have been unemployed for more than six months, up from 23 percent, or less than 200,000, four years earlier, according to a Government Accountability Office report released on Tuesday.</p>
<p>              The <span class="yshortcuts" id="lw_1337107839_0">GAO</span>, a non-partisan investigative arm of Congress, also found that years of lost work significantly reduced <span class="yshortcuts" id="lw_1337107839_1">retirement income</span>, particularly for those with defined contribution retirement plans.</p>
<p>              Overall, older workers fare better than their younger counterparts, with a lower unemployment rate and less risk of losing jobs, the GAO found, even as it highlighted the struggles of jobless seniors.</p>
<p>              &#8220;While Americans were hit hard by this recession, the ramifications for older workers were particularly severe,&#8221; Sen. Herb Kohl, chairman of the Special Committee on Aging, said at a Tuesday hearing in which the report was released.</p>
<p>              Those seniors who continue looking for work amid a tepid economic recovery confront competition from younger, cheaper workers. They also must keep pace with ever-changing technology.</p>
<p>              Kohl and other lawmakers are investigating ways to counter age discrimination and boost seniors&#8217; <span class="yshortcuts" id="lw_1337107839_8">job</span> prospects.</p>
<p>              &#8220;Left unchecked, long-term unemployment among older workers is a problem that will continue to grow as our workforce grays,&#8221; he said.</p>
<p>              LOST WAGES, LESS SAVINGS</p>
<p>              A flurry of recent reports have raised fresh concerns about the ability of some older Americans to support themselves in retirement.</p>
<p>              More seniors with jobs expect to work longer, according to the Employee Benefit Research Institute, and just 14 percent say they believe they can retire comfortably.</p>
<p>              &#8220;At this point, I don&#8217;t really expect to retire, even if I am able to find a job,&#8221; Sheila Whitelaw, 73, testified at the hearing. A former store manager in Philadelphia, she said she has struggled to find work since 2010.</p>
<p>              The GAO assessed the impact of job loss and forced early retirement on older workers&#8217; income. It showed a significant impact on income in later years.</p>
<p>              It found those who had been part of a 401(k) or other similar employer-sponsored defined contribution pension plan stood to lose more of their expected retirement income than those who had defined benefit pension plans or relied solely on Social Security, the nation&#8217;s benefit program for retirees.</p>
<p>              For example: an individual with a defined contribution plan who stops working at age 55 instead of age 62 would see a 39 percent drop in median-level retirement income, from $817 per month to $500 per month, according to the GAO, which did not take other retirement income sources into account.</p>
<p>              Another similar worker would see a 13 percent drop in median Social Security retirement benefits from $1,467 to $1,273 a month.</p>
<p>              Workers with employer plans have the most retirement income to lose from job loss because they are typically better placed to save more for retirement, among other factors, GAO said.</p>
<p>              A worker relying only on Social Security may see $30 to $60 less each month but face harsh consequences, it said, because they have less savings to provide a cushion and may be laid off before they can claim the government benefit at age 62.</p>
<p>              Several employment experts warned that growing long-term unemployment is an increasing concern amid an aging U.S. population.</p>
<p>              &#8220;<span class="yshortcuts" id="lw_1337107839_7">Older workers</span> can expect to live until their mid-80s, sometimes longer, and dropping out of the labor force at 55 could mean 30 years of retirement,&#8221; said Diana Furchtgott-Roth, an economist with the Manhattan Institute for Policy Research.</p>
<p>              ONLINE STRUGGLES</p>
<p>              Refusing to hire someone because of age is illegal, but GAO experts found potential discrimination still lingers.</p>
<p>              Often employers assume that older workers used to earning more money or having a higher-level job would not stay long in an inferior position, according to the GAO&#8217;s interviews. Higher health care costs are also an issue.</p>
<p>              The GAO, which talked to seniors in Maryland, Virginia, California and Missouri, also chronicled the toll of long-term unemployment. Self-esteem took a beating, and it became increasingly hard to sustain job searches, they said.</p>
<p>              At the AARP, the lobbying group for 36 million older Americans, legislative policy director David Certner told Reuters that older women and minorities are particularly at risk of poverty. That is due to an &#8220;incredible perfect storm&#8221; of low savings rates, shrinking pensions, lower home values and longer lives.</p>
<p>              It is unclear what action Congress will take, particularly in an election year ripe with political gridlock. Some lawmakers want to strengthen discrimination laws while others back efforts to prevent employers from screening out unemployed workers.</p>
<p>              Joseph Carbone, head of the job training nonprofit The WorkPlace, said the U.S. Labor Department and others could do more to help seniors find jobs.</p>
<p>              Coyle understands how a younger minister might have a better chance landing a full-time job. But she remains hopeful that she will find a place to preach again.</p>
<p>              &#8220;I used to tell my gerontology students if you know your date of death you could plan very well,&#8221; she said, &#8220;but I really want to be useful. It&#8217;s not just a money issue.&#8221;</p>
<p>              (Editing by Leslie Adler and Marilyn W. Thompson; Desking by Andrew Hay)</p>
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