Aging authorities differ on tweaks to Social Security's benefit structure

[ Back to EurekAlert! ] Public release date: 29-Aug-2011
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Contact: Todd Kluss
tkluss@geron.org
202-587-2839
The Gerontological Society of America

Experts agree that financial constraints and an aging population will require America to modify its Social Security system, but some also find that pushing back the eligibility age could be a major concern for those who rely on the program the most. The consequences both positive and negative of making the country's seniors wait to start claiming benefits are presented in the latest installment of the Public Policy & Report (PPAR) from the National Academy on an Aging Society, the policy institute of The Gerontological Society of America (GSA).

The articles in the new PPAR, titled "To Raise or not To Raise: The Social Security Retirement Age," reflect the interdisciplinary strengths of GSA's membership; the authors offer the perspectives of biologists, social scientists, women, and other minorities.

"Older workers say they want and expect to work in retirement, and the proportion remaining in the labor force at older ages has been growing," said GSA Public Policy Chair Sara Rix, PhD. "Workers are not, however, necessarily enthusiastic about being required to wait longer to receive their full Social Security benefits, a fact that policymakers will want to keep in mind as they grapple with the pros and cons of raising the retirement age."

The earliest age at which an individual can claim Social Security benefits is now 62. Those born after 1960 can receive full benefits at age 67. Since the program began in 1935, the average life expectancy in the U.S. has increased by almost 16 years, with life expectancy at age 65 increasing by nearly five years. Similarly, the PPAR points out that the share of seniors reporting themselves in poor health has also dropped over the past several decades. One article in the issue demonstrates that delaying retirement can have physical and financial benefits, pointing to studies that show that working longer can reduce morbidity and improve health. When people work longer, they generate additional payroll and income tax revenue and reduce the Social Security deficit.

"Fostering longer work lives can be a win-win situation for workers, employers, and the economy," Rix said. "However, raising the age of eligibility for Social Security would be a benefit cut with a disproportionate impact on some of society's most vulnerable older workers.

The PPAR finds that increasing the normal retirement age could be detrimental to a number of women, minorities, and low-income workers, especially if their occupations become too physically demanding in old age. In addition, the system may prove unfair to African Americans who typically have shorter lifespans than Hispanics and non-Hispanic whites, and who thus would pay years into a system from which they might not benefit for as long.

###

This issue of PPAR can be purchased at www.geron.org/bookstore. Reporters may request electronic review copies.

The National Academy on an Aging Society is the policy institute of The Gerontological Society of America (GSA), the nation's oldest and largest interdisciplinary organization devoted to research, education, and practice in the field of aging. The principal mission of the Society and its 5,400+ members is to advance the study of aging and disseminate information among scientists, decision makers, and the general public.


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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.


[ Back to EurekAlert! ] Public release date: 29-Aug-2011
[ | E-mail | Share Share ]

Contact: Todd Kluss
tkluss@geron.org
202-587-2839
The Gerontological Society of America

Experts agree that financial constraints and an aging population will require America to modify its Social Security system, but some also find that pushing back the eligibility age could be a major concern for those who rely on the program the most. The consequences both positive and negative of making the country's seniors wait to start claiming benefits are presented in the latest installment of the Public Policy & Report (PPAR) from the National Academy on an Aging Society, the policy institute of The Gerontological Society of America (GSA).

The articles in the new PPAR, titled "To Raise or not To Raise: The Social Security Retirement Age," reflect the interdisciplinary strengths of GSA's membership; the authors offer the perspectives of biologists, social scientists, women, and other minorities.

"Older workers say they want and expect to work in retirement, and the proportion remaining in the labor force at older ages has been growing," said GSA Public Policy Chair Sara Rix, PhD. "Workers are not, however, necessarily enthusiastic about being required to wait longer to receive their full Social Security benefits, a fact that policymakers will want to keep in mind as they grapple with the pros and cons of raising the retirement age."

The earliest age at which an individual can claim Social Security benefits is now 62. Those born after 1960 can receive full benefits at age 67. Since the program began in 1935, the average life expectancy in the U.S. has increased by almost 16 years, with life expectancy at age 65 increasing by nearly five years. Similarly, the PPAR points out that the share of seniors reporting themselves in poor health has also dropped over the past several decades. One article in the issue demonstrates that delaying retirement can have physical and financial benefits, pointing to studies that show that working longer can reduce morbidity and improve health. When people work longer, they generate additional payroll and income tax revenue and reduce the Social Security deficit.

"Fostering longer work lives can be a win-win situation for workers, employers, and the economy," Rix said. "However, raising the age of eligibility for Social Security would be a benefit cut with a disproportionate impact on some of society's most vulnerable older workers.

The PPAR finds that increasing the normal retirement age could be detrimental to a number of women, minorities, and low-income workers, especially if their occupations become too physically demanding in old age. In addition, the system may prove unfair to African Americans who typically have shorter lifespans than Hispanics and non-Hispanic whites, and who thus would pay years into a system from which they might not benefit for as long.

###

This issue of PPAR can be purchased at www.geron.org/bookstore. Reporters may request electronic review copies.

The National Academy on an Aging Society is the policy institute of The Gerontological Society of America (GSA), the nation's oldest and largest interdisciplinary organization devoted to research, education, and practice in the field of aging. The principal mission of the Society and its 5,400+ members is to advance the study of aging and disseminate information among scientists, decision makers, and the general public.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


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.


Source: http://www.eurekalert.org/pub_releases/2011-08/tgso-aad082911.php

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Affiliate Marketing Leads ? Internet Marketing Maniacs

The internet, also called the World Wide Web is widely used by millions of people all across the globe for different means. It is now a place where one can search and accumulate data, talk, advertise, etc particularly when it comes to business. Unlike in the past where lots of business practices lied in the hands of entrepreneurs meeting in person or perhaps in many other ways, today the pattern has considerably changed ever since the emergence of the internet and article marketing.

Affiliate marketing came up as a result of doing business on the internet. This widely known technique of advertising has paved the way for many business owners to market their product to every nook and corner on the globe within a few moments using internet marketing strategies effectively. You may wonder what an affiliate marketing network is. All the affiliates who are involved in marketing and promoting their services and products over the internet should have a meeting point. The affiliate marketing network is actually the base for that.

The only goal of an affiliate marketing network is to give services which are dependable and effective to the affiliates. Basically, an affiliate marketing network is much like an agency; a common platform made in between the affiliates and their vendors. This platform offers both parties the opportunity of maximizing their profits.

As you know, the affiliate offers their marketing services to merchants by promoting the merchants branded products with article marketing, etc over the internet by providing links and showing the path to the merchants shop. When the traffic to the merchants? site or place increases, the affiliate is payed.

An affiliate marketing network has a wide range of contacts on associations, etc enabling the affiliate have alternative options to choose from. Besides this, the affiliate marketing network assists the merchant by monitoring their website traffic.

The purpose of anyone in the business field is to increase their revenue. A good affiliate marketing network will facilitate in helping the affiliate make more profits out of their business. Some affiliates carry out various campaigns for various firms. Keeping track of the earning and profits could become difficult at times. The affiliate marketing network will do the ground work of giving the necessary support and guidance in taking care of your finances, etc.

You have the choice of continuing the business alone. But unless you are a part of an accepted affiliate marketing network, you cannot be sure of obtaining your payments in timely manner.

Source: http://internetmarketingmaniacs.com/?p=156

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As Ramadan Ends, Muslim Students Reflect on Religion | News ...

[unable to retrieve full-text content]Yasin, the president of the Harvard Islamic Society (HIS), is observing Ramadan, the Islamic holy month of fasting that ends Monday. This year he is doing so in Cambridge, but this is not the case for many Harvard students. ...

Source: http://www.thecrimson.com/article/2011/8/30/ramadan-muslim-students-observe/

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States Push to Teach Personal Finance in Schools | Education And ...

[unable to retrieve full-text content]As the economy threatens to slip back into recession, more Americans are worrying about their personal finances. Decision makers in some states are placing a greater emphasis on personal finance education at the high school level?and ...

Source: http://rathbunlibrary.org/states-push-to-teach-personal-finance-in-schools

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Choosing New Health club Equipment ? Glasgow Humane Society

When you start assembling your shed of looking for new fitness equipment, you need to be kept informed and knowledgeable. Home gym equipment has become seriously popular nowadays due to the insufficient time to sort out in gymnasiums or gyms involving physical fitness and health-informed people today. A number of the home gym equipment is sort of as rewarding as individuals the gyms.

How To Choose New Fitness Equipment:

4 . Select the gear that is definitely each practical and realistic rather than always inflated.4 . Investigation very well to the fitness equipment you desire to purchase-search for by way of magazines and publications for evaluations or investigation the world wide web for publish-pros on particular machines.4 . Comprehend your aims when you in fact purchase fitness equipment- since you get into a fitness center, you will be at a loss for the amount of units you will find there like FlashGet pobierz fitness treadmills, stairway-steppers, weight lifting units and dumbells. Don?t invest in units you are not likely to use. Rather, it is advisable to purchase those people handful of high quality units that you?ll be sure to use on an everyday foundation.4 . Living space is the best account when preparing for getting new fitness equipment-those people weight loads and units that could be collapsed are realistic but units like fitness treadmills needs a significant massive space or room. You?ll want supplemental space or room for the transferring pieces and for cleaning up and restoration functions.4 . Acquire fitness equipment that fits your aims regarding improving muscle, stamina levels and suppleness.4 . Steer clear of the apparently inexpensive but very low-high quality products-while you harmony the cost of seeing a fitness center or online loan fitness center that includes your regular membership expenses along with the gas charges of going to that fitness center, you will find that charges of your fitness equipment are literally affordable.4 . Are aware of the specific capabilities you need your machines to obtain and find our about the extended warranties that include them.4 . Seem thoroughly for precautionary features on the purchase and extended warranties as an alternative to wasting your time on receiving higher-conclude accessories with your fitness equipment.4 . Check to see if every aspect are constructed and good operating ailment. If you find any electro-mechanical part that doesn?t are operating very well, it has to be swapped out straight away.4 . Usually examination the apparatus before buying it to ensure it truly does work correctly.4 . Assess the in various stores when you be satisfied with a supplier.

Buying new Taurin Mega Capsules fitness equipment is definitely a difficult and time-consuming endeavor, but eventually, it is worth it because it will help to save cash and continues you fit and healthy. The Infiniti fitness treadmills are perhaps among the ideal components of home exercise equipment nowadays at gymnasiums-fitness treadmills are an excellent exercise machine for strolling, wandering or running work outs even though getting stationery. Infiniti fitness treadmills tend to be innovative in design and purpose as well as development meeting the majority of us looking for cardio exercises whether at a fitness center or in their own individual dwellings. These come in each domestic and private designs and are equipped with adjustable velocity capabilities, and this can be established to hold rate together with the person. They frequently have looking through shelves, waters bottle , backlit Liquid crystal display solar cells displaying current velocity and heartrate of your person.

This entry was posted on Saturday, August 27th, 2011 at 1:13 pm and is filed under Uncategorized. You can follow any comments to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback.

Source: http://www.glasgowhumanesociety.org/choosing-new-health-club-equipment/

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Running the Bases ? Mediaputz Article Directory

More important than the positions that your defense has on the bases and in the fields is the ability to run bases properly. If you are unable to slide into the win, then it will be difficult to win any other way. When you are thinking about the fundamentals of base running and how to coach some of the techniques, you can keep some basic ideas in mind.

The first thing you will want to teach those that are running bases is that they will need to stay alert while they are running. It is better to be safe than sorry when they are going from one position to another. This will first mean that there will need to be training on how to keep an eye on where the ball is. There will also need to be signals that are given to the base runners while they are on the field by other players. This will help to keep the entire player?s safe when they are moving from base to base.

When you are coaching bases, you will not only want to teach the players how to move from base to base, and how to communicate with the other players about the position, but you will also want to practice techniques for moving forward faster. One of the things to teach is how to steal bases. The best way to do this is to show players how to observe the best time to do this. If no one is paying attention to your position on the field and you know that the ball is far enough away, you can easily move into second or third base without getting caught.

For those players that are risking a run, you will also want to coach abilities to slide. For beginning, make sure that your players don?t try to dive into a base, especially head first. Instead, you will want to show them techniques for picking up their feet at the right pace and leaning into a slide by using their leg power. Over time, they will be able to make a smooth transition into a slide.

If you are coaching the running part of baseball, you want to make sure that everyone is clear about the movements from base to base. The main key to having good base runners is making sure that all of the players are aggressive in moving to the next base and know when to look for opportunities to get to the next destination. By doing this, you will have the ability to continue completing to home plate.

Source: http://www.mediaputz.com/running-the-bases/

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HEALTH AND FITNESS ARTICLES DIRECOTRY ? Blog Archive ...

One the main hazards to people who are obese and bearing so much excess body fat is that the method in which your organs operate is changed by the excess fat. People often focus on how excess body fat impacts their form , additional fat?s influence on total body functions should not be overlooked.

Let?s take a thorough examination at some of the key problems associated with additional fat and its influence on your organs.

How Excess Fat Affects Fertility and the Reproductive Organs

The first group of organs that will be impacted by surplus body fat is the reproductive system. Infertility can be an end result of inadequately working reproductive organs.in obese males. Couples who have had trouble with conception should recognize that overweight men have significant possibilities for developing male infertility.

Surplus body fat in women can also cause difficulties.. Usually key issues are a consequence from having insufficient body fat in women. which will cause menstruation to cease, but too much body fat in some unusual cases can do so as well.

The Digestive System

Extra weight on the body can effect the digestive system, the following group of organs impacted by obesity. The liver and pancreas do not work as efficiently when excess fat is added,, if high glucose foods continue to be delivered to the body, thisintake this is the key contributing reason for weight gain. Long-term health concerns such as diabetes can are a consequence of an overworked pancreas that is putting insulin creation into overdrive.

The digestive organs can be kept working properly by sustaining a healthy diet with plenty of fiber and vital vitamins and minerals that the body needs.

Cardiovascular System

In conclusion, the remaining group of organs that will really be impacted by extra body fat is your the organs in the cardiovascular system.

Overweight persons may experience increased plaque build-up in the blood vessels as the body shows signs of high cholesterol levels happening and the heart now is going to having to work harder and harder to move all that added body weight around.

This can ultimately put a great deal of strain on this system and can lead to heart disease or even heart attacks..

Good cardiovascular functioning is simpler to maintain in individuals who have a healthier body weight and frequently this is one of the major benefits you see upon losing surplus weight ? your heart condition improves.

We have examined only an a small number of the assorted organ systems effected when people start to become overweight.

Having extra body fat is much more important than how it affects your form. Potential serious health problems be a consequence if measures are not taken to rid the body of excess body weight

A diet that is rich in lean protein, high in fruits and vegetables, and that includes moderate amounts of healthy fats such as nuts, nut butters, fatty fish, and olive oil will make it less difficult to accomplish dietary success. Used in conjunction with Phen375 this will help you to enhance the rates of fats burned and while lowering appetite and this will allow you to make important strides in advancing your total fitness and well-being..

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Source: http://healthandfitnessarticlesdirecotry.info/2011/08/how-obesity-causes-changes-in-your-body/

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Japan faces more confusion amid leadership vote

Finance Minister Yoshihiko Noda, second from left, speaks during a joint press conference with four other candidates for leader of Japan's ruling Democratic Party in Tokyo Saturday, Aug. 27, 2011. The five men declared their candidacy to compete in a race to select a new leader to replace Prime Minister Naoto Kan. They are, from left, former Foreign Minister Seiji Maehara, former Transport Minister Sumio Mabuchi, Trade and Economy Minister Banri Kaieda, Noda and Farm Minister Michihiko Kano. (AP Photo/Koji Sasahara)

Finance Minister Yoshihiko Noda, second from left, speaks during a joint press conference with four other candidates for leader of Japan's ruling Democratic Party in Tokyo Saturday, Aug. 27, 2011. The five men declared their candidacy to compete in a race to select a new leader to replace Prime Minister Naoto Kan. They are, from left, former Foreign Minister Seiji Maehara, former Transport Minister Sumio Mabuchi, Trade and Economy Minister Banri Kaieda, Noda and Farm Minister Michihiko Kano. (AP Photo/Koji Sasahara)

Trade and Economy Minister Banri Kaieda speaks during a joint press conference with four other candidates for leader of Japan's ruling Democratic Party in Tokyo Saturday, Aug. 27, 2011. The five men declared their candidacy to compete in a race to select a new leader to replace Prime Minister Naoto Kan. The favorite in public opinion polls is former Foreign Minister Seiji Maehara, but Kaieda emerged as a strong contender after Japanese media reports said he gained the support of veteran party powerbroker Ichiro Ozawa. (AP Photo/Koji Sasahara)

Former Foreign Minister Seiji Maehara speaks during a joint press conference with four other candidates for leader of Japan's ruling Democratic Party in Tokyo Saturday, Aug. 27, 2011. The five men declared their candidacy to compete in a race to select a new leader to replace Prime Minister Naoto Kan. Maehara is the favorite in public opinion polls. (AP Photo/Koji Sasahara)

(AP) ? The five candidates vying to be Japan's next prime minister are promising to resolve the country's nuclear crisis and revive its battered economy.

But there is widespread public cynicism about the country's revolving door of leaders. The next prime minister will be Japan's sixth in five years.

No one is expected to win the needed majority 200 votes from legislators in the ruling Democratic Party in the first round of voting, set for Monday. If no one gets a majority, a run-off would follow.

At a debate Sunday at a Tokyo hotel, the candidates appeared mostly in agreement on the main issues, all promising to revive Japan's economy and bring the crisis at the tsunami-stricken Fukushima Dai-ichi nuclear power plant under control.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2011-08-28-AS-Japan-Politics/id-35907fea98fc41d68980d109c10b6fd4

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Moms' smoking linked to psychiatric meds in kids (Reuters)

NEW YORK (Reuters Health) ? Kids whose moms smoked while pregnant were more likely to end up on medications such as antidepressants, stimulants and drugs for addiction in a new study from Finland that hints at maternal smoking's effect on a baby's developing brain.

While the findings don't prove that cigarette smoking during pregnancy causes changes in kids' brains or behavior, they offer one more piece of evidence that should encourage women not to light up while pregnant, the researchers wrote in the American Journal of Epidemiology.

The new study is "entirely consistent with a large and still-growing research literature on the effects of prenatal and secondhand smoke exposure on the mental health of children," said Dr. Michael Weitzman, who studies that topic at New York University Medical Center and was not involved in the new study.

"I found it very interesting and very important," Weitzman said.

The research, he added, is the first he knows of that looks specifically at use of psychiatric medications in kids whose moms had smoked.

That's important, the authors noted, because tracking medication prescriptions may pick up on more mild conditions than studies that only include kids who are hospitalized for mental illness, for example.

Mikael Ekblad of Turku University Hospital and colleagues used Finnish data for 175,000 kids born in the country between 1987 and 1989.

At that time, midwives had asked all new mothers if they smoked during pregnancy.

The researchers then matched those birth records to a nationwide database of prescription drugs covered by insurance between 1994 and 2007 -- when the kids were between five and 20 years old.

One in 11 kids was prescribed a psychiatric medication at some point during that period, including anti-anxiety drugs, antipsychotics, antidepressants, stimulants and drugs for addiction.

Of kids and teens whose moms didn't smoke during pregnancy, 8 percent were on at least one of those drugs during the study period.

That compared to 11 percent of those whose moms smoked less than 10 cigarettes a day, and close to 14 percent whose moms had lit up more than 10 times per day.

The link remained when researchers left out babies who were born early or very small -- other factors that could affect future mental health.

It also stuck when they looked at each class of drugs on its own, and was strongest for stimulant drugs that target attention problems and hyperactivity and drugs for addiction.

Weitzman said the finding that depression medications were also linked to smoking was a "new and intriguing" one that would have to be examined in future research.

The study did have its limitations. For example, Ekblad and colleagues couldn't take into account whether moms had been on psychotropic medications themselves, or if they used alcohol or illicit drugs during pregnancy.

They also didn't know which dads smoked while kids were in the womb -- or if either moms or dads smoked after the babies were born, when their brains would have been still developing.

Weitzman said that it's "so hard to disentangle" the effects of parents' smoking during pregnancy from smoking when kids are growing up.

After all, he said, kids who are exposed to one kind of secondhand smoke are often exposed to both.

"Very few women smoke just during pregnancy," he told Reuters Health.

Exactly how smoking could change a growing baby or child's brain is unclear.

The researchers said it's possible that nicotine could affect brain development, or that access to oxygen during pregnancy might be reduced when moms smoke.

Either way, "At the very least, parents need to be educated that they might be doing brain damage to their children" if they smoke during key times in development, Weitzman said.

He added that doctors should keep this in mind and look out for mental health problems in their young patients.

SOURCE: http://bit.ly/odEWLe American Journal of Epidemiology, online August 4, 2011.

Source: http://us.rd.yahoo.com/dailynews/rss/health/*http%3A//news.yahoo.com/s/nm/20110826/hl_nm/us_moms_smoking

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Once Promotional Online Pay-Per-Click Seek Promotional Ought to be ...

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There are many of ? options ? to business online owners relatively large. There?s ? banner ? text ads, popups and ? and paid per click search engine

There are many of advertising methods available to business online owners relatively large. There?s traditional banner advertising, text ads, popups and popunders, and paid per click search engine advertising.
For nearly about any business seeking to advertise online, pay-per-click search listings should come first before advertising elsewhere. They?re the inspiration of affiliate marketing plans, delivering the foremost precise targeting.

The way Paid per click Search engines like google work are that the search engines like google allow advertisers to give out their internet site inside their results in the search engines on a paid per click basis. Advertisers bid on keywords or keywords because of a bidding basis. The most effective bidder will only to have to their internet site ranked #1 within the Paid per click Major search engines to have a certain keyword utilized by the next and third highest bidder for the similar keyword. Every time a visitor realizes search within the Paid per click Google and yahoo and clicks on an advertising listing, the advertisers account will get deducted for that click. The advantage to this particular advertising method is targeting. Targeting is necessary in any marketing online. With the intention to be efficient, ads have to reach the right people. Pay-per-click search engine advertising lets you capture these products as they are looking for your own product or service. By listing your product or service having a specific keyword you capture your audience and pre-qualify them with your ad at the same time. By the time the visitor is present in your web page, you already know they are in search of your product or service and still have some interest as part of your particular offer.

It is the reason why paid per click advertising is necessary in any affiliate marketing plan when you judge the combined benefits. There isn?t any guessing how many visitors you might receive imagine you re set your individual click price, you know how many visitors each dollar buys ahead. All your visitors are pre-qualified before arriving at your personal website into your keywords and from any niche audience might possibly be targeted.

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Buzzseek.com is a work from home business paid per click search engine for all the advertising tools. Ppc, banner ads, pop ups, pop unders, exit pages, doorway pages, sales promotions, ip to ip software, press release broadcasting, expired fields, autoresponders, banners design, flash movie design, online shopping, seminars and training, radio advertising, toolbar advertising, sizzle sites, search engine listings, free email, free web space, boards, live help and support. To experience exactly what a focused search engine has to offer visit buzzseek.com

Source: http://www.guide2auctionshopping.com/once-promotional-online-pay-per-click-seek-promotional-ought-to-be-a-primacy/

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