carpooling http://www.artwoo.com Returned search results for carpooling Copyright 2008 Sat, 22 Nov 2008 13:21:14 +0000 http://www.artwoo.com/rss/carpooling Carpooling to Work http://www.artwoo.com/article/carpooling-to-work http://www.artwoo.com/article/carpooling-to-work#comments Thu, 31 Jul 2008 18:57:16 +0000 rush hour trafficcarpoolinghelping the environmentexpress lanefellow employeessafer placedaily basis http://www.artwoo.com/article/carpooling-to-work carpooling with to work, especially when they commute to work. Typically people who commute thirty minutes or longer each way should try to make sure that they carpool to work. The environment is becoming more fragile each and everyday and without people doing the right thing, which is protecting it then soon there will terrible consequences. If you value the world and everyone you care about then you should care about the air we all breathe in on a . If you can help the environment become a by carpooling to work then don't you think you could make the adjustment to driving with a co-worker to work?

There are now lots of carpool parking lots where you can take your vehicle to and park it for the day while at work and then after work you get dropped off at it and continue home. If enough people started doing this then soon the environment would start becoming a more pleasant place to live. It takes more then a handful of people from different regions to make a difference and everyone needs to unite as one on this situation and try doing something about it.

The government has now begun opening up lanes of most major highways for commuters travelling with more then one passenger in the vehicle. This means if you carpool to work you can use the commuter lane which is basically an that will help you beat . The time it takes to stop at a carpool parking lot you'll now start saving by being able to drive in a much less congested lane of the highway. A lot of people only began carpooling because they would then be able to avoid rush hour traffic, and if this is what it takes for people to start then so be it. As long as the governments continue adding carpooler lanes onto major highways I feel more and more people will start adapting to carpooling.

Another reason it seems carpooling is becoming more popular is due to the increase in gas prices that everyone is dealing with. A lot of people can't afford the gas prices that are currently present in most countries and with this a lot of people are forced to carpool. Now although high gas prices aren't meant to help the environment through more people carpooling, it would as though indirectly it's been done.

There are lots of reasons why you should be carpooling to work with fellow co-workers and many of them involve you saving time and money so there is really no reason why more people don't start carpooling. If you save money and time then there isn't much else that can be offered to entice you to saving the environment, so if this doesn't do it what will be needed? I hope people can begin to start coming to their senses and start working towards cleaning the environment up.Chicago Car Shipping Affordable Car Moving]]> More Persons Behind The Wheel http://www.artwoo.com/article/more-persons-behind-the-wheel http://www.artwoo.com/article/more-persons-behind-the-wheel#comments Sat, 18 Nov 2006 00:27:03 +0000 carpoolinggreenhouse gasesair pollutionmorning traffictraffic jammultilingual featuresneighbor http://www.artwoo.com/article/more-persons-behind-the-wheel Carpooling is an alternative way of traveling. It means to share a ride with one or more fellows to a common destination.

Carpool service is a satisfying way for those who prefer traveling inexpensively via Europe. Moreover, you can get to know different people during traveling. Traveling with unfamiliar people also enhances the chances of an enjoyable conversation and to get to know nice people. With the help of carpooling websites, anybody can find partners for ride-sharing, either passenger or driver. These sites have become fairly popular all over the world.

You can also make it a rule to use this opportunity: let's say you have a workmate who has the same work hours, and lives somewhere close to your home. It's a quite good idea to travel in the same car in the mornings. Or if you don't have time to take your children to school, sometimes they can get there by the 's car, together with the neighbor's kids. Naturally you can take them, as well.

It is practical to use carpooling if you want to travel abroad, too. There are some websites specialized in carpooling between countries. These sites usually offer so you can easily browse among destinations, trips, departure points, etc.

This smart invention has many advantages. It is much more flexible, passengers can use their time better and they can also share driving responsibilities. Speaking about the advantages of carpooling, we have to mention that it especially reduces . Less consumption of oil can reduce global warming, emissions of and common pollution. But maybe one of the most important things is that we can avoid the well-known, annoying early jam and stress. Daily traffic would decrease by about 20 percent if everyone carpooled for just one day a week. Carpooling can substantially cut the money you spend on gas and car care.

Some carpoolers may initiate to establish an agreement as to how the carpooling arrangement will operate. You can determine who is going to drive and when, whether smoking will be allowed, place and time too meet, how costs will be shared, and so on. But at least you should compromise a on some conditions. For example if you would like to listen to your favorite radio station every day, but everyone hates it, the radio may not be turned to your favorite radio station every day.

According to the statistics, carpooling is very safe. Nevertheless, in case of you don't know your fellows because you found them on the Internet, it is recommended to meet your fellows beforehand. If you feel uncertain about someone, maybe you find somebody a little suspicious, don't carpool with that person. Fruzsina Csery is a freelance copy writer. She occasionally writes for http://viajabarato.org/ ]]> Creative Carpooling, D.C. Style http://www.artwoo.com/article/creative-carpooling-dc-style http://www.artwoo.com/article/creative-carpooling-dc-style#comments Tue, 19 Jun 2007 19:24:56 +0000 hov lanecarpoolinggreenhouse gasescars usedfossil fuelsozone layeraltruistic http://www.artwoo.com/article/creative-carpooling-dc-style carpooling, for many different reasons. Most people agree carpooling is a good thing because it reduces the amount of gasoline and oil consumed, thereby conserving the Earth's limited resources. By reducing the amount of burned, carpooling also reduces the amount of vehicle exhaust in the air, decreasing the amount of carcinogens we breathe and the rate at which we destroy our , reducing .

All of these things are positives. However, most people tend to respond to how things affect their pocketbook. Most people will not carpool because it is good for the environment; they carpool because it is good for them, saving money.

The situation isn't hopeless. We need to work with human nature and not against it. Let's take a look at the "slugging" phenomenon that takes place in Washington, D.C. The reason "slugging" is such an interesting phenomenon is that no one is actually doing it out of tendencies or to save the environment.

Here is what happens: You have two groups of people, one driving into the city to work and the other leaving their cars behind. The people without cars stand in lines according to where they want to travel, and the people with cars stop by and ask for passengers traveling near where they are headed. Each car needs to have at least three people in it, and this is because the person with the car is picking up people to be permitted to drive in the .

The HOV lane is also called the carpooling lane, and a car full of passengers may use this lane to travel. Since there are fewer people with three or more passengers in the car, this lane moves faster while other lanes become jammed each morning with traffic. That makes carpooling the quickest way to get to work in the morning =96 quicker, even, than the bus.

If everyone caught on to the wonders of carpooling and legal use of the HOV lane, it would actually slow the lane down as more the lane to travel, but the result would be the other lanes speeding up because the number of cars using them would be reduced. In addition, the pollution in the city would be significantly reduced.

Of course, the point of the matter isn't that people are carpooling to do something good for the world. Without incentives such as the HOV lane and faster travel, people would rather not have other people in their cars. This system works to have people go against their natures and carpool, because the system works with those natures by giving people a reward and something everyone wants badly =96 a quick ride to work and escape from the traffic jam. Find the best deal on the auto insurance coverage you need. Visit us today at http://www.autoinsuranceratesdirect.com for money-saving tips and receive free quotes for cheap auto insurance rates from respected insurance companies. ]]> Alternatives To Driving http://www.artwoo.com/article/alternatives-to-driving http://www.artwoo.com/article/alternatives-to-driving#comments Thu, 31 Jan 2008 10:25:00 +0000 gasoline consumptionpool programscar poolridiculous pricestransportation websitebus systemsthree dollars http://www.artwoo.com/article/alternatives-to-driving three dollars per gallon or more. We've compiled a great list on how you can get from point A to point B at half the cost.

Take the bus

If you live in a populated area or you live in the outskirts, chances are that you have a busing system. The bus is a great way to get from one point to another without having to pay those . Almost all city offer seasonal passes that you can get for little money. If you only want to ride the bus once in a while, it shouldn't cost more than two dollars or so to ride.

If you're not familiar with your buses scheduled stops, be sure to either check out your state's or call up the department of transportation to get more information on where the stops are located and when the bus should arrive.

Carpooling

If you know of someone at work that lives nearby you can possibly bring up the idea of carpooling with one another. If you think about it, this will cut your in half if you rotate every other day or week. If you don't know of anyone that can carpool with you at work, many states have car that can help you find that partner.

Carpooling is a great way to save on gas and use your car or someone else's car at the same time. If you're afraid that you might be matched up with someone that isn't right for you or dangerous, don't worry because the government usually does a pretty good job at weeding these type of people out of the program.

Get your exercise

If you live nearby a grocery store or restaurant and you usually drive to it every time you need to go there, maybe you should think of either purchasing a bike or walking. If you already own a bike, you're one step ahead. Even if that store is one mile away, this can add up over time and you're not getting your proper exercise. If you're worried about not having room for your groceries, you can buy attachments that pop onto your bike that can carry things such as bags, bigger items, etc.

There are so many alternatives out there when it comes to driving. There's no need that you should pay for gas all the time when there are more environmental friendly ways to doing so. The next time you hop in your car or plan on doing so, make sure that you think of alternatives before you do it. Not only will you be saving money, you will be saving the environment as well. Save money on gas at http://www.findgascards.com where you can find more of Tom Tessin's articles. ]]> Ridesharing Made Easy With E-carpool.eu http://www.artwoo.com/article/ridesharing-made-easy-with-e-carpooleu http://www.artwoo.com/article/ridesharing-made-easy-with-e-carpooleu#comments Mon, 13 Nov 2006 16:27:05 +0000 fellow travellersmultilingual searche baycarpoolingridesharinggreenhouse gasesprice calculator http://www.artwoo.com/article/ridesharing-made-easy-with-e-carpooleu Carpooling means to share a ride with one or more travellers to a common destination. Travelling with unknown people also increases the chances of a pleasant conversation and to get to know nice people.

Besides making use of the capacity of a car is quite important nowadays. Less consumption of oil can reduce common pollution, global warming, emissions of and save considerable expenses from gasoline, oil, tires, auto depreciation, tolls, parking, and in some cases insurance. It is fairly flexible, passengers can use their time better and they can share driving responsibilities.

Through this European wide carpooling website, anybody can find partners for , either passenger or driver. Users have the option of a multilingual "Search Menu" which allows them to locate drivers and/or passengers. This multilingual feature includes most of the European languages. "Our goal is to give travellers the opportunity to travel the cheapest way possible with maximum independence, flexibility, and the added opportunity of meeting with the same interests." -- says Wiktor Hubar, founder. Registration of IP numbers, verification of personal data, and the user rating system (similar to the one used by e-bay) prominently increase safety and privacy. There are several kind of lists which can help to seek the information easier: destination cities, departure cities, upcoming offers and so on. More advantages of the website that users can add their cities into the system and the system recognizes cities which users travel through and adds regional adverts accordingly. There is also a in the menu in order to help calculate the fare.

Nowadays it is practical to use this opportunity not only for students but everyone who consider travelling on budget. Fruzsina Csery is an experienced freelance copywriter. This article was written for http://www.e-carpool.net ]]> Carpool More, Protect Your Environment http://www.artwoo.com/article/carpool-more-protect-your-environment http://www.artwoo.com/article/carpool-more-protect-your-environment#comments Mon, 18 Dec 2006 22:27:34 +0000 greenhouse gasesgreenhouse effectatmosphereearthgreenhouse gas emissionsradiation heatnitrogen oxides http://www.artwoo.com/article/carpool-more-protect-your-environment
A thick layer of , which grows thinner further out into space, surrounds the . The atmosphere is consists mainly of Nitrogen. 21% of the atmosphere is Oxygen while just around 1% of the atmosphere consists of other gases like Carbon Dioxide. When sunlight strikes the Earth, some of it escapes back into the atmosphere, but the presence of '' like carbon dioxide, nitrous oxide, methane, prevents all the radiation from escaping out into space. These gasses trap the sun's radiation, heat and energy, and therefore, the Earth's temperature remains warm. So, more and more of the Earth's radiation gets trapped by the atmosphere and the Earth gradually gets warmer and warmer. It is believed that over the past century the Earth has grown warmer by around 1 degree F. This is called global warming, which occurs due to the .

Vehicles and their widespread use are the leading producer of and other air pollutants, such as carbon monoxide, and hydrocarbons. So your car also produces a lot of greenhouse gases. There are several ways you can limit this. For example, you can use public transport or walk more often; you can choose a fuel-efficient model when buying a car; or you can drive more fuel-efficiently. But there is another great solution: carpooling.

Do you have more cars in your family? All members of the family leave from home at a different time? Usually you go to work alone by car? Then, you are a main enemy of your environment. If you can travel with your family, try to use one car. It may takes more time, but means less consumption of oil and you can also save money. If you don't have a family, or you really can't travel together with somebody, try to use carpool services. There are several sites helping you to find other people interested in carpooling. It doesn't matter where you live, carpooling has become widespread all over the world. Leave your car home and share a ride with somebody who travels to the same destination. Just try to avoid empty seats in your car, carpool whenever possible, and you already did a lot.

Car exhaust fumes extremely contribute to global warming. The United States, as Al Gore writes, is responsible for some 30 percent of greenhouse gas pollution, more andquot;than South America, Africa, the Middle East, Australia, Japan, and Asia -- all put together.andquot; Embarrassingly. You can watch his new film, An Inconvenient Truth, which might have little effect on you if you are not ready yet. Fruzsina Csery is an experienced copy writer, she occasionally writes for http://e-carpool.eu/ ]]> 6 Tips For Saving Gas http://www.artwoo.com/article/6-tips-for-saving-gas http://www.artwoo.com/article/6-tips-for-saving-gas#comments Thu, 23 Nov 2006 00:27:07 +0000 find peoplemoney tipsum of moneyrush hour traffictraffic jamsfellow employeesfellow students http://www.artwoo.com/article/6-tips-for-saving-gas
Tip#1 - Start Carpooling

Carpooling is a great idea for and both. If you can that are going to the same place you are you can save gas by riding together. It may be a good idea to trade off on who is driving from week to week so no one person gets stuck having to drive all the time. If you have to take your children to school or other functions you can also work on trading off with your friends and neighbors to take them there.

Tip#2 - Public Transportation

If it is possible you can take public transportation to work instead of driving your car. Not only will this save you money on gas, but you will also be able to relax and not worry about having to drive through all that . You may even be able to fit in a quick nap on your way to work or on your way home.

Tip#3 - Price Shop

Often it may be so convenient to buy your gas at the small gas station just up the road, but to save some money on gas you may want to check the prices at other gas stations that are nearby as well. Even if the difference is only a few cents, after putting hundreds of gallons of gas in you vehicle each year, those few cents are going to add up to quite a .

Tip#4 - Get Moving

You can save some money on gas if you start walking to where you are going, or you can ride a bike as well. You will not have to worry about paying to park your car, and the exercise will be great for you body. If you are walking or biking you will not have to worry about those huge either.

Tip#5 - Take Care of Your Car

It is always important to take care of your car so it gets the best gas mileage possible. Also be sure to plan where you are going before you go so you will not have to backtrack and waste gas. If you can, you should use your air conditioning as little as possible because using it takes more gas. Roll down your windows and you will use less gas.

Tip#6 - Check your Tires

It is important that you check the air pressure in your tires as often as possible. If your tires are too low, or the pressure in them is unequal it can make your car burn more gas. You should also be careful how you drive. If you take off from every red light very fast you are going to burn more fuel, so it is best to take off a little slower.

These are a few tips that can help the money conscious person to save money on gas. Even as gas prices drop, these tips can still help you to save more money. Conservation is important, so take advantage of these tips, save money, and save gas. Jackson Porter is a staff writer at http://www.automobileenthusiast.com and is an occasional contributor to several other websites, including http://www.environmental-central.com. ]]> Alternative Ways To Driving http://www.artwoo.com/article/alternative-ways-to-driving http://www.artwoo.com/article/alternative-ways-to-driving#comments Tue, 20 Nov 2007 12:35:00 +0000 public transportationrealize that therebudgetgas pricesgrocery storecarpoolingexercise http://www.artwoo.com/article/alternative-ways-to-driving gas prices continue to rise, you may find yourself losing more and more money in your each month. Gas prices, like stocks are unpredictable. You don't know if the prices are going to go up each month or if they are going to go down. This makes it extremely tough to budget your gas expenses.

A lot of people don't are many alternative ways to travelling instead of driving yourself. This can cut back on a lot of gas money if you're tight with your budget month to month. Even if you follow through on a few of these techniques each month, you may find yourself saving more than expected.



If you live in or near a big city, it should have some sort of public transportation. Refer to your city's public transportation website on scheduling. Wheather you have to go to work or up to the , a bus will usually take you there. The only downside to this alternative travelling method is that you can't just get up and go. You will have to wait for the bus to arrive and leave. Public transportaion can be extremely cheap, especially if you purchase a yearly pass.



If you already know some people at work, school, etc that live nearby, you could set up a carpooling schedule. A lot of the times people will choose to drive one week while the other drives the next. This will cut your fuel costs nearly in half! Be sure to also check out to see if your state offers a park and ride program. This is where you can meet up with other people who are looking to carpool like yourself. There are designated areas throughout the highways where you can park and meetup.

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Exercise is good regardless and if you live near a city, hop on your bike or just walk up to the store. While we know you can't walk everywhere, it's always safe to walk to areas that are about one to two miles close to your house. This is ensures that the weather doesn't change and rain you out while you leave the grocery store.

Biking is also another great method of transportation. If you live near a city with a lot of sidewalks, this can make the biking trip a lot safer and easier. Now we know you can't bike in the winter but in the warmer months, be sure to take advantage of this!

Many people just don't sit down and think on ways of cutting back on costs. Besides the topics mentioned above, you can always cut back on your lesiure driving. Instead of driving to the store three times a week, only travel up there once a week. Also be sure to make sure your car is properly maintained and you know how to properly save on mileage.

There are many ways to save on fuel and it's up to you to ensue them. If you don't have the motivation or dedication to try, you'll never save money with gas! Tom Tessin runs and maintains http://www.findgascards.com which focuses on saving gas with gas credit cards. ]]> How Carpool Helps To Beat Traffic Jam http://www.artwoo.com/article/how-carpool-helps-to-beat-traffic-jam http://www.artwoo.com/article/how-carpool-helps-to-beat-traffic-jam#comments Sat, 16 Dec 2006 20:27:08 +0000 traffic jamtraffic congestiontraffic jamsundoubtedlymany carscarpool lanesalternative transportation http://www.artwoo.com/article/how-carpool-helps-to-beat-traffic-jam traffic jams each and every day you go to work? Have you seen, when you were driving in rush-our, that so are empty? Maybe you are wondering how stupid thing is that.

When you're stuck in a traffic jam, it is really hard to think clearly. You feel frustration, and start to rage. Traffic jam is annoying, but not necessary. Traffic is people, you don't only sit in the traffic jam, you are the traffic jam. You can blame yourself as well. Do you sit in your car alone? If your answer is yes, you should consider few things.

has been a major problem nowadays, imposing significant costs on the world economy. It occurs when there are enough cars on the road that you always have to check everywhere before doing anything. You have to concentrate, so you drive a little slower. When everybody starts to do that, then you get slower traffic, and people start to wonder how to beat the traffic. Some of them change lanes to try to catch the fastest lane. That's where the problem starts. The more lane changing they make, the more crowded the road will seem to be, and the worse the traffic jam will become.

By forming carpools, passengers can share a vehicle and travel together, thereby saving on different costs. Carpooling makes lot of sense, it saves oil, saves money and saves the environment. This means less pollution. And the most obviously, it reduces traffic congestion.

Each individual driver should realize their own responsibility for crowded roads. Cars do a lot of harm to us. Just share a ride to work with a colleague or neighbor, or with somebody who would like to travel to the same destination, and take advantage of the if you have in your country.

The phenomenon of single-occupant vehicle as a primary form of transportation in our days is resulting in more traffic, more congestion, longer travel times and more stress. If you have the chance to pick up somebody on your way, but you don't know anybody who with you can travel together, just try carpool services. People are beginning to realize the benefits of carpooling. These sites bring them together.

Share a ride as many times as you can. If you do that, you'll see that you'll be more relaxed, because you can share driving responsibilities. When you don't have to drive, you are free to read, take your laptop, sleep, or do absolutely nothing but enjoy the ride. It is even good for your health. Studies show that solo drivers are more likely to have higher blood pressure and heart rates, and even short-term memory loss as a result of the stress.

By working together, we could have better travel conditions and improve the quality of life. Fruzsina Csery is a freelance copywriter, she occasionally writes for http://rideforcents.org ]]> How To Beat Rising Gasoline Prices http://www.artwoo.com/article/how-to-beat-rising-gasoline-prices http://www.artwoo.com/article/how-to-beat-rising-gasoline-prices#comments Fri, 15 Sep 2006 18:27:03 +0000 mailemail forwardgas pricesinconveniencecarpoolcarpoolingpump price http://www.artwoo.com/article/how-to-beat-rising-gasoline-prices Gas Prices at an all-time high, how can you get to where you're going without breaking the bank? Don't worry, you don't have to give up driving altogether!

1. Compare Gas Prices

The advent of the internet has made comparison shopping much easier. There are many different websites that compare gas prices in different regions. Find out what gas station in your area has the cheapest prices before filling up. A few dollars here and there can really make a difference.

2.

Instead of giving up your car completely, try . This way you will be paying at least half the gas that you did before. If there is more than one person in your carpool, you will save even more. Carpooling to work can often be the best idea because you will likely have similar start and finish times.

If you don't want to carpool because you are worried about the , think about the time that you gain waiting or the time that you gain when it isn't your turn to drive. You can use that time to read, to plan, or to do whatever feels right for you.

3. Be political

Write to your local representative to explain why you feel that gas prices are a major issue. Each letter or e sent to a senator, member of parliament, or other government representative counts for many voices, because politicians know that most people are too lazy to write in. So have your voice heard by writing. Try to change the problem entirely. You can even start off an or get people to sign your letter before you mail it. This will help amplify your voice.

4. Know the system

You know that gas prices normally go up before long weekends. Often, prices rise before a weekend and fall slowly throughout the week. Chart the gas prices in your area to find out when the gas is the cheapest, and schedule to buy gas on that day.

5. Watch the

If the pump price is very low, fill up! Even if you still have half a tank of gas, you might as well fill up now before prices get more expensive. It is easier to keep the top half of your gas tank full than to wait until your gas light goes on and start to panic about the high prices.

6. Use alternatives

Whenever possible, bike, walk, take the bus or subway, and think of creative ways to avoid using gas. If you can minimize your gas usage, then you will minimize your expenses.

The price of gas right now is rising, and because gas is a non-renewable resource, it will probably continue to rise. Do what you can to beat the prices. You can even buy a hybrid car, or an energy efficient car. Although you might not feel that you can afford to, with a good car loan, the money you save on gas could be going straight to your new car. Andrew Dillan is an editor at http://www.theguideto-carloans.com/budgeting_for_a_car/. For information on how to find and pay for a fuel-efficient car (or any car!), visit The Guide to Car Loans today. ]]> How To Get Cheap Car Insurance Online In Mississippi http://www.artwoo.com/article/how-to-get-cheap-car-insurance-online-in-mississippi http://www.artwoo.com/article/how-to-get-cheap-car-insurance-online-in-mississippi#comments Mon, 17 Mar 2008 21:14:59 +0000 car insurance policiesinsurance paymentinsurance costssteering wheelinsurance agentspeeding ticketsyoung drivers http://www.artwoo.com/article/how-to-get-cheap-car-insurance-online-in-mississippi car insurance policies from a variety of insurance companies there are a few things you need to do first.

To begin with you need to know how to answer some of the questions that you will be asked. Reading this article should help you answer many of the questions in the right way - that is, in the way that will save you the most money.

For example, if it is at all possible for you to park your car in a garage at night you are going to save money.

If you can set it up so that your is made automatically every month out of your bank account you will also save money.

Many insurance companies will charge you less if you buy and use a simple locking device. Your may suggest other simple and low-cost anti-theft measures that can save you even more.

Start carpooling to work every day. Carpooling not only saves gas and wear and tear on your car, but if you can cut the number of miles in half that you normally drive to and from work every month then you will reduce the cost of your car insurance as well.

If you can use public transportation as much as possible and leave your car parked at home half the time, you may be able to qualify for a rather substantial Low Mileage Discount.

If you retire from work let your agent know as this will also reduce the cost of your car insurance.

should stay in school and work hard on getting good grades. If you can maintain a "B" grade average - or better - you can save a substantial 5% or more on your .

If you are married listing the wife as the primary driver of the vehicle and listing the husband as the secondary driver will save you a substantial amount every month.

Drive legally at all times. It should come as no surprise to you that if you have or other moving violations on your driving record you will not find the cheapest auto insurance.

Don't pay for collision or comprehensive insurance on older vehicles. If your vehicle is so old or so beat-up that it no longer has any Kelly Blue Book value then there is no reason in the world for you to waste another penny on collision or comprehensive insurance.

The more you can afford to pay for your deductible the less you will pay each month for your insurance. Of course you don't want to go overboard and promise to pay a larger deductible than you can actually afford.

And, as we said earlier, buying your car insurance online also saves you money. One of the tricks if you want to save the most money possible is to take the extra time to fill out the form on 3 different websites that compare insurance prices, rather than relying on the results from just one site.

Also you will need to take care that you answer the questions on all 3 websites exactly the same way. By putting in the same answer each time you are comparing the same car insurance policy on all three websites and the results you get will be more valuable and will save you more money.

Once you've made your comparisons on 3 different sites all you need to do is review all the answers and choose the lowest-price. That's all there is to it. Really. That is how you get cheap car insurance online in Mississippi. View some great sites that we recommend for saving a lot of money on insurance http://www.EzQuoteGuide.com http://www.RecommendedInsurance.com ]]> Why Are Gas Prices So High and What You Can Do About It http://www.artwoo.com/article/why-are-gas-prices-so-high-and-what-you-can-do-about-it http://www.artwoo.com/article/why-are-gas-prices-so-high-and-what-you-can-do-about-it#comments Tue, 01 Jul 2008 09:29:21 +0000 crude oil pricesrising gas pricesmiddle class familiessupply factorsproduction purposesacute shortageglobal outlook http://www.artwoo.com/article/why-are-gas-prices-so-high-and-what-you-can-do-about-it crude oil prices crossed the $120 per barrel mark early this year. This has resulted in putting a tremendous financial strain on the pockets of who commute on a daily basis by car. Given the current , the easing of gas prices does not seem a likely possibility in the short run. For those who are clueless as to why gas prices are so high, we offer you an explanation to the current situation, as well as possible measures you can adopt to combat .

To explain why gas prices are so high today, it is important to understand the relevant demand and in play. The fact is, today's high oil prices is a result of the world's demand for oil outstripping current oil supply levels.

In terms of supply, it is often the best interest for major oil producing countries such as the ones that make up OPEC to limit the supply of oil. This would enable these countries to maximize profits as they would be able to sell the limited supply of oil to consumers at a higher price given the high levels of demand. Moreover, countries such as the United States which possess large undiscovered plots of oilfields have been slow at opening these up for . This has resulted in an of oil supplies.

Coupled with a shortage of supply is an ever increasing global demand for oil which has resulted in today's high gas prices. Industrial and economic growth in developed countries has often been associated with demands for oil and gas, as fuel to meet production needs. The United States is the number one consumer of oil and gas supplies in the world today. However, the rapid growth of developing countries such as India and China has resulted in an ever increasing demand of oil and gas as these countries seek to meet the fuel needs of their respective industrialization programs. Such a situation has only served to further increase oil and gas prices.

Given the current levels of oil and gas prices today, various measures may be adopted by consumers to reduce their spending on oil and gas.

One such measure would be to minimize the use of the car. Should you live near your work place, you might want to consider other alternatives of commuting to work such as walking or riding a bicycle to your workplace. Not only would you save spending on gas, you would also be able to get some exercise as well. That's killing two birds with one stone!

Alternatively you might wish to consider carpooling should you really require the car. You could form a carpooling network with your neighbors. One of you can drive a car with good fuel economy, taking the rest with him to their respective destinations and splitting the cost of fuel and maintenance each month.

Stop spending unnecessarily on gas. While there is little we can do to affect current gas prices, there is much we can do to cut down on our spending on gas. Take the first step today.Lewis Hopewell provides valuable advice at http://howtosavemoneyongasoline.com where you can learn to save on high fuel oil prices. Click Here to get his FREE gas saving eBook while it's still available.]]> Commuter Resources On The Web http://www.artwoo.com/article/commuter-resources-on-the-web http://www.artwoo.com/article/commuter-resources-on-the-web#comments Sun, 17 Sep 2006 22:27:08 +0000 hook upscraigslistlocalcarpoolcommuteweathercrucial http://www.artwoo.com/article/commuter-resources-on-the-web commute to and from work as painless as possible. From reports to hook-ups to route guides, there's something for almost every city in the country with a population of over 50,000.

Community Transit

If there's a local transit system in your town - buses, trains, subways - then there is a website for that system. On the home page, you will find updates about which lines are under construction, which routes and schedules may be changed as well as information about town meetings in which you can voice your opinion on the prospective changes, and announcements as to when lines are running behind schedule.

Some sites have a real time system online as well. These allow you to choose the line, direction, and stop and it will tell you in minutes when the next bus or train will be there. San Francisco's MUNI system, for example, offers this option for 7 of its lines. It updates itself automatically and you can even watch the little red dots representing the bus make its way toward your stop.

Carpool Resources

Almost every town of size has a site dedicated to it and on this site you can find a section where carpoolers can find each other. Whether you're looking for a ride or for someone to share the cost of gas, you'll find it here.

Many communities have a ton of other sites for the same purpose, and there are national sites that cater to multiple regions. For example, eRideShare.com is a free site dedicated to carpoolers in the U.S. and Canada who commute, are looking for a long distance ride, or a short local trip.

If you are a university or college student, you may find carpooling resources on campus or on campus websites as well.

Route Finders and Accident Reports

Whether you ride a bike or drive a car, finding the best route to your destination is to making the trip a success. If there's a traffic snare on the highway 2 exits before the exit you need, your trip can take three or four times as long as it usually would. If you're riding a bike, hills can be death of you. If there's a flatter route to your destination, wouldn't you like to know about it?

You can find sites that cater to each of these issues in different cities and regions across the country. Traffic.com, for example, is a free service in which you can find out the latest news of accidents and traffic status in your town via phone, PDA, or email. They serve about 30 or so cities across the country. Registered members get premium services.

For those a little more environmentally conscious - or economically conscious considering the price of gas these days - there's Bike Metro at www.bikemetro.com. Enter your address of origin and your destination address and they'll tell you the flattest way to get there. Or if you're more interested in a little sight seeing, you can pick out a point of interest and they'll give you the route.

No matter what your question about your commute, there is a Web site online somewhere made just for you. Simply enter your issue (i.e. andquot;carpooling resource,andquot; andquot;accident reportsandquot;) and your town in a search engine and you'll have a list of commuter resources to choose from. Madison Lockwood is a customer relations associate for http://www.apollohosting.com. She helps clients understand how a website may benefit them both personally and professionally. Apollo Hosting provides website hosting, ecommerce hosting, andamp; VPS hosting to a wide range of customers. ]]> How To Get The Best Rates On Automobile Insurance In West Virginia http://www.artwoo.com/article/how-to-get-the-best-rates-on-automobile-insurance-in-west-virginia http://www.artwoo.com/article/how-to-get-the-best-rates-on-automobile-insurance-in-west-virginia#comments Mon, 04 Feb 2008 02:25:02 +0000 kelly blue bookautomobile insuranceblue book valueinsurance checkkelly blue book valuegroup autocomprehensive insurance http://www.artwoo.com/article/how-to-get-the-best-rates-on-automobile-insurance-in-west-virginia automobile insurance. Period.

For many people the cost of automobile insurance puts a severe strain on their monthly budget - and no one wants to pay more for automobile insurance than they have to. Hopefully this article will give you at least one (and possibly more than one) idea for ways that you can get the best rates on automobile insurance in West Virginia and save money each and every month.

Saving money on your automobile insurance can start with something as simple as finding a garage in which to keep your car at night. Garaging your car will save you money on your automobile insurance.

So will setting up automatic monthly payments of your auto insurance from your checking account.

Buying and using something as simple as a steering wheel locking device or installing a simple device for incapacitating your fuel pump until you press a hidden button every time you start your car can save you money month after month. Ask your agent which simple anti-theft devices qualify with your insurance company.

Keep your driving record spotless. The fewer traffic tickets or other moving violations your driving record has on it the less you are going to pay for your automobile insurance.

The better your credit history the lower your monthly car insurance payment. Many people are not aware that their credit rating affects their automobile insurance rate, but it does.

Buy mobile insurance. If your place of employment offers low-cost group automobile insurance you can almost always save a considerable amount if you take advantage of it. If your work doesn't offer group auto with any club, organization or association you belong to and see if any of them offer group auto insurance.

Every year your vehicle loses value, so every year you should reduce the amount of collision and you have on your vehicle to match the decline in value of your vehicle.

Old vehicles - those whose value is gone - should not be insured at all for collision or comprehensive. Save your money instead for a newer car.

Can you drive less? Many people are now relying on public transportation for as many of their driving needs as possible. If you can lower your driving to 500 miles or less per month you may qualify for a special Low Mileage Discount that can save you a lot of money every month.

Carpooling at work can also save you a ton of money on your automobile insurance. A portion of your monthly premium is based on the number of miles you drive back and forth to work every month. Carpooling can cut that number in half and reduce your insurance premium substantially.

If you retire or stop driving back and forth to work at all, let your agent know as this can save you even more on your insurance every month.

If you can afford to increase your deductible you will lower your monthly premium instantly. Just keep in mind that you will have to pay your deductible in cash should you ever have a claim so don't make promises that you'll have trouble keeping.

Buy your automobile insurance online. You'll almost always save money buying your insurance online, but don't stop after getting prices from just one automobile insurance price comparison site. If you're serious about savings money then you'll take the extra time and get comparisons from at least 3 different sites.

And be sure that you input the same information onto the forms on all 3 comparison sites. This way you'll be comparing the same policy each time and the results you get will actually mean something.

Finally, once you've made all of the comparisons, it's time for you to pick the lowest-priced policy you've found and then smile all the way to the bank every month, knowing that you've discovered how to get the best rates on automobile insurance in West Virginia. My recommended sites here: http://www.ezquoteguide.com/car/ Best Rates on Automobile Insurance in West Virginia http://www.myquoteguide.com/ Affordable Auto/Car Insurance Company Online ]]> Reduce Party Planning Stress - Share the Workload http://www.artwoo.com/article/reduce-party-planning-stress-share-the-workload http://www.artwoo.com/article/reduce-party-planning-stress-share-the-workload#comments Wed, 23 Jul 2008 13:57:15 +0000 planning a surprise partywine entertainmentsurprise partiesplanning a partyparty locationparty favorsfood gifts http://www.artwoo.com/article/reduce-party-planning-stress-share-the-workload planning a party you might consider having other people help you. This can help relieve the stress in preparation with things like food, carpooling, , and more. All the burden of party planning shouldn't be on you when everyone else gets to enjoy the event.

Planning a party can be fun but stressful too. For instance, usually attract a lot of guest so the majority of those invited are likely to show for the occasion. There is no reason why you cannot ask people to share some of the load. There are many tasks involved in and if something happens to you then what will happen to the party? Recruit friends or family members to help. Assign each one a specific duty. Many of the tasks you need to think about when planning a party include invitations, location, catering or food, gifts, wine, entertainment, party favors, decorations and more. You will also have to setup carpooling if it is a surprise party or people will have to park their cars far down the street. This can still be a problem if they drive a conspicuous vehicle, or there is limited parking available.

When you ask for help with the party you are throwing then everyone will have a sense of ownership. Plan a meeting with the other hosts to discuss the preparation and to split up responsibilities. Food is usually something that is shared because catering can be quite expensive. If only one person plans on cooking for an entire group of people then this can be difficult too. The best way to share the efforts with food is to make a decision which person will bring what dish to the party. Circulate a sign up list that will indicate what everyone can bring. This way, you'll know if something needs to be purchased separately.

When you throw a will be your number one decision. Location is important so deciding where to host the event can be a cumbersome thing to decide. Your home or the home of the person you are throwing the party for may not be big enough, but someone who is invited may have the perfect place. Ask those on your guest list if they can recommend a good location. Perhaps the clubhouse of one of the guest's apartment complex, or a local town hall might be available. Factors such as parking, restroom facilities, and lighting may need to be addressed when selecting the place to host a party. If children will be there you will have to determine if the location is safe and can accommodate kids. With a little questioning, phone calls and input from all of the host you'll discover the perfect place for a party. Then if you have to rent a place then the host can split the costs of the rental. You might even think about charging the guest with a cover charge or ask for donations to cover the cost of the rental if it is too expensive. If your party guest know the charge is going to pay for the location most won't mind the small fee. In addition, the more people you invite, the less each person will have to pay. However, you should remember that more people also mean more food, favors and decorations.

The best way to have a large party is to plan it with multiple people. To avoid arguing with each other then you should have an initial meeting so everyone can agree what their roles and responsibilities will be. This way, no one will step on any toes during the planning process. Don't be afraid to find creative ways to come up with money to pay for the costs of the party and to ask for everyone, even guests to share with the cost.Donna Gorenflo, party planner offers expert advice and suggestions on baby shower favors, decorations, gift giving and hostess ideas for baby showers, birthdays and more. Donna has owned and operated a successful online store since 2001. To find more great party favors, party ideas and gifts suited for every budget and to make your party memorable visit www.BamaBabiesAndBirthdays.com]]> How To Compare Low Cost Automobile Insurance In West Virginia http://www.artwoo.com/article/how-to-compare-low-cost-automobile-insurance-in-west-virginia http://www.artwoo.com/article/how-to-compare-low-cost-automobile-insurance-in-west-virginia#comments Sat, 29 Dec 2007 14:25:01 +0000 automobile insurancedriving without insurancemoving violationinsurance premiuminsurance costscarpoolingsteering wheel http://www.artwoo.com/article/how-to-compare-low-cost-automobile-insurance-in-west-virginia automobile insurance. The consequences of driving without automobile insurance are far too costly, both in time and money, to make the gamble worthwhile.

Rather than risk being caught why not explore all of the different ways of comparing low cost automobile insurance in West Virginia and getting your car insurance at a price you can actually afford to pay?

For example, if you are in the market for a car it might pay you to consult with your automobile insurance agent first. The reason is because not all cars are equal when it comes to - some cost a lot more to insure than others. Before agreeing to purchase a car which you are not going to be able to afford to insure, why not ask your agent for a list of the least-costly cars to buy insurance for?

The way you drive your car affects how much you pay for insurance more than any other single factor. If you collect speeding tickets or any other or if you have even one conviction for DUI or DWI then you can forget about finding the lowest-priced automobile insurance for at least 3 years.

Can you park your car in a garage at night? If so let your agent know as this will save you money.

Ask your agent if your insurance company offers a discount every month if you buy and use a locking device. Talk to your agent about other simple, low-cost anti-theft measures that you can take that will save you cash month after month on your automobile insurance.

Drive less. Many people are now using public transportation for most of their "driving" needs. If you can reduce your driving to under 500 miles per month you could qualify for a Low-Mileage Discount.

at work can also save you money every month on your car insurance. Part of your automobile is based on the number of miles you drive to and from work every month. If you can cut the number in half by carpooling then your agent will see to it that your insurance rates are reduced.

If you retire from work or if you stop driving back and forth in rush hour traffic for any other reason then let your agent know. Your insurance rates will drop.

Pay your premium automatically out of your checking account each month. Automatic payments save your insurance company billing costs and they pass the savings on to you.

If you have medical insurance that's separate from your automobile insurance policy ask your agent if you could save money by canceling or reducing the Personal Injury Protection portion of your policy.

Don't pay for collision or comprehensive insurance on older cars that no longer have any Kelly Blue Book value. In fact, since your vehicle loses value every year, talk to your agent about reducing the amount of your collision and comprehensive coverage every year to correspond with the dwindling value of your vehicle.

Increasing your deductible will immediately lower the cost of your automobile insurance. Of course, increasing your deductible also obligates you to pay more cash out of your own pocket or purse should you have a claim, so don't agree to pay more than you can actually afford.

Do not make a lot of small claims. The longer you can go without filing a claim the better your rates will be.

The last thing you want to do is to find 3 different websites that will let you compare low cost automobile insurance in West Virginia. Don't rely on just one of these websites, as you won't see the prices from every car insurance company operating in West Virginia.

If you're serious about saving money then take the extra time and make your comparisons on a minimum of 3 different websites. Also be certain you use the information you have learned in this article and fill out all three forms in exactly the same way. Only by filling out the forms with the exact same information each time will you be comparing the same insurance policy across all three websites and saving the most money.

Once you have made your three comparisons then all that's left is to review your results and choose the least expensive automobile insurance policy. And that's how you compare low cost automobile insurance in West Virginia and find the best policy for you at the very best price. See our recommended site for cheap insurance http://www.EzQuoteGuide.com ]]> How We Can Change Our Lifestyles To Preserve The Rainforest, Part 1 http://www.artwoo.com/article/how-we-can-change-our-lifestyles-to-preserve-the-rainforest-part-1 http://www.artwoo.com/article/how-we-can-change-our-lifestyles-to-preserve-the-rainforest-part-1#comments Sat, 05 May 2007 18:34:55 +0000 rainforest treessaving the rainforestdaily basisrecycling paperfact that theyrainforestslong periods of time http://www.artwoo.com/article/how-we-can-change-our-lifestyles-to-preserve-the-rainforest-part-1 saving the rainforest, and we can do our part by making small changes to our lifestyles. If everyone chose to do so, the results would be amazing. Trees offer us beauty and shade of those hot summer afternoons. Trees also help reduce the effects of carbon dioxide. Planting more trees is a very easy way you can help the to preserve the rainforest.

You can help reduce the amount of waste by recycling, especially . The number one reason why are being destroyed is to provide more wood for paper. Another reason is for building homes and businesses. There are plenty of other types of materials you can choose from so that the rainforest can be preserved.

Other products produced from include rubber and lumber. Take a good look at how much of these commodities you are using. Try to limit the use of them to only necessities and look for alternative materials when it comes to luxury items.

Do you drink large amounts of coffee or use spices each time you cook? If so, you can be damaging the rainforests. This is because the demand for coffee and spices are so high areas of the rainforest are being cleared away to grow them.

Americans contribute to 25% of the pollution worldwide. This is due to the consume more fossils fuels for their vehicles and factories than any other country. There are many changes you can make to cut down the amount of pollution you contribute on a .

Consider taking public transportation or carpooling to and from work. There are also many great models of hybrid vehicles that can operate for on electricity. This is a good investment for the environment as well as to save money on the cost of fuel. Learn about Conservation and Preservation Initiatives at http://www.paradiseearthonline.com/ ]]> Simple Sources Of Alternative Energy http://www.artwoo.com/article/simple-sources-of-alternative-energy http://www.artwoo.com/article/simple-sources-of-alternative-energy#comments Wed, 12 Jul 2006 04:27:11 +0000 alternative energyenergy crisistiredcarssave energyglobal solutionstrue source http://www.artwoo.com/article/simple-sources-of-alternative-energy energy crisis and about ways that we can contribute to the solution. I don't know about you, but I get overwhelmed and when I hear about the nearly endless amount of problems that threaten our environment each day. I am tired of hearing about that are aimed at making massive changes. Instead, I want to hear about the small changes that I as an individual can make that will help our energy crisis. So I've done a little research for your sake and mine, and I've come up with a few basic methods of that almost anyone can follow.

First, and rather obvious, is to drive your car as little as possible. I hate hearing about solutions that are so unrealistic that they will never happen. You know as well as I do that we cannot all stop driving our every day. But maybe, just maybe, we can all look for small and simple ways to carpool and to cut down on the amount that we need to drive. Do you have a neighbor that works with you? If so, then contribute to alternative energy by carpooling and leaving one of the cars at home. Or even better, look for every chance to walk or ride a bike. I think we get caught up in all of the scientific terms about energy resourcing that we forget the most of alternative energy: ourselves. The more we can use our physical bodies, the better health we will be in and the more we will be contributing to the international effort to .

Other simple methods of going for alternative energy are to shut off lights during the day and let the natural light of the sun brighten up your room or office. I cannot tell you how many homes and offices I have entered in the middle of the day that had lights blaring while the sun was beating in from outisde. So take a good look around you and see what extra lights and other appliances you have plugged in that you really don't need to use. The chances are high that everyone reading this has a few small ways that they could save energy each day.

Looking for various alternative energy sources is what will save the world. Like candlelight? Then consider using candles to light your room at night while you read. The world may not be changed by one more order from the government, but it just might be changed as individuals do their part in helping find and use methods of alternative energy. Analeese Burnabaker is a columnist and passionate about finding methods of alternative energy. See http://www.alternativeenergygroup.info for more details. ]]> How College Students Can Save on Gas http://www.artwoo.com/article/how-college-students-can-save-on-gas http://www.artwoo.com/article/how-college-students-can-save-on-gas#comments Tue, 14 Oct 2008 21:08:20 +0000 monday tuesday wednesdaytight budgetsgas moneyplanning collegeschool schedulesways to save moneymoney in the bank http://www.artwoo.com/article/how-college-students-can-save-on-gas tight budgets, a lot of debt due to tuition, and a lot of bills to pay on a monthly basis. With the rise in gas prices, it only makes it harder on everyone. We all are looking for on gas. When it comes to college students, there are many ways they can save on gas. Need some ideas? Read below and you can start saving a ton of money on gas.

Schedule planning -- College students can save a ton of money just by how they plan their . If you plan to go to all your classes in one day, or like Mondays and Wednesday or Tuesdays and Thursdays, it will cut the cost of your gas spending by a ton! Try to schedule your classes all for the same days. Avoid making a trip to school by having a class on Monday, Tuesday, Wednesday, Thursday.. and so on. Daily trips to the campus can easily put a damper on your gas costs.

Going home -- Also, try to avoid going home in between classes. This can also cost you a fortune if you tend to do this on a regular basis. If you have a few hours to spare in between classes, try studying at the library and doing homework. There is always something to do when it comes to your classes. Get a head in class, do anything to keep busy in between those couple hours. Just avoid going home in between classes as much as you can.

Carpool -- Try to sign up for the same classes as your friends.
Carpooling is a great way to save on , help the environment and to put more . If you rotate drivers every couple times you go to school you can cut your costs of gas easily in half. Think of how much money you can save every semester! This is one the best ways to save on your gas money so definitely consider it.

Maintenance -- One of the best things you can do to save gas is to keep up with your car's maintenance. By getting regular oil changes, new air filters and keeping your tires properly inflated you can save a ton of money on gas. Those are the biggest problems when it comes to eating gas. Has your car been eating more gas than usual? If so, you may want to check out all those listed above.

Gas credit card -- Getting a gas credit can be extremely helpful and can save you a ton of money. Some gas credit cards can save you up to 10% on all your gas purchases. Say you spend $50 at the pump, you can save $5 instantly. This is definitely something you should consider!

To help keep money in the wallets of college students, consider some of the tips above. These are all easy ways to save on your gas spending. So try to help the environment, keep more money in your wallet, and avoid the wear and tear on your vehicle!Find the best gas credit cards and more of Tom's work at FINDgascards.com]]> Saving For Retirement Is Something Many People Put Off, But Why? http://www.artwoo.com/article/saving-for-retirement-is-something-many-people-put-off-but-why http://www.artwoo.com/article/saving-for-retirement-is-something-many-people-put-off-but-why#comments Sat, 19 Aug 2006 16:27:07 +0000 retirement moneyretirement incomeretirement calculatorsretirement savingsaving for retirementretirement accounttime to invest http://www.artwoo.com/article/saving-for-retirement-is-something-many-people-put-off-but-why Saving for retirement is something many people put off and put off thinking they will start next year or the next. Then, all of a sudden, individuals are in their 40s or 50s and have no to speak of and then panic starts to sink in. However, there is no need to panic because there is still plenty of time to do some things to get your into shape. The things you need to do include coming up with a number you need for retirement, income sources during retirement, saving goals, making 401 k contributions, investing aggressively, and downsizing if necessary and eliminating all debt.

The first thing you should do if you are worried about your retirement is to figure out how much money, realistically, you will need during retirement. If you have no clue how to go about doing this then you need to go online and use a to help you get a clue.

Once you have an idea of what you need for retirement then you can subtract any sources of income you will receive during your retirement from social security, pensions, 401 k or other sources. Then you need to sit down with your spouse and set some serious savings goals. This is not the a little here or a little there, but to set some real goals. There are plenty of creative things you can do as well that will save you real money and not interfere with your lifestyle. These include packing your lunch, shopping with coupons, carpooling, and other similar actions.

Now that you know your goals, you can start depositing as much money as possible into your 401k. This is especially a good retirement tool if your employer also offers a matching program.

Invest aggressively in mutual funds as well as the stock market. You have at least a decade or more before retirement, so don't get conservative now. Hire a stock broker to guide you if you want, but you can make some serious money if you know what you are doing.

If you are still concerned about your retirement and how you will possibly make ends meet then you might need to downsize your current lifestyle. If you are incurring a lot of debt, get rid of the credit cards. If you are living in a large home, move to a smaller home. Things like this are difficult to do, but they will make a big difference in your retirement.

The most important thing for you to do is pay off all of your debt. The more debt you have the more interest you will have to pay which means you may never pay if off if you are only making minimum payments. So, go ahead and get aggressive with debt and take care of it now. This may be one of the most important things you can do to ensure a happy retirement. Robert Michael is a writer for http://www.kretirement.com which is an excellent place to find retirement links, resources and articles. For more information go to: http://www.kretirement.com ]]>