money left http://www.artwoo.com Returned search results for money left Copyright 2008 Tue, 02 Dec 2008 01:04:22 +0000 http://www.artwoo.com/rss/money+left Was Jesus Left-Handed? http://www.artwoo.com/article/was-jesus-left-handed http://www.artwoo.com/article/was-jesus-left-handed#comments Fri, 03 Nov 2006 18:27:06 +0000 shroud of turinjesus christleonardo da vincileft handedfollowersdesecratedominant hand http://www.artwoo.com/article/was-jesus-left-handed
All those experts that have studied the (the most studied artifact in history) have failed to mention time after time that the image on the Shroud has the left hand crossed over on top of the right hand!

If, as is suggested, that is the image on the Shroud, then he was put to rest with his on top, and in all likelihood was left-handed!

I wonder why the experts wouldn't mention that Jesus Christ might be left-handed? Or at least mention that the Shroud has an image with a left hand in a dominant position.

If Jesus Christ were not left-handed, it is completely unlikely that his would have folded his hands opposite to the anti-left beliefs of the Middle East! This region is, and has always been, one of the most anti left-handed regions in history.

If his followers followed the wishes of a left-handed Messiah, then they would have folded it with the left hand on top as they did, ... or did they go against his beliefs and his body by placing the left hand in a position of dominance?

The latter would have been a conspiracy of desecration. This is completely contrary to the beliefs of that part of the world and seems unlikely, yet possible.

Or, if the image on the Shroud, is as many believe, the posed image of the ultimate Renaissance man (and fellow left-hander), , then it makes sense why he would pose with his dominant hand on top. Any true left-hander would place their own left hand on top if they were simulating death.

Although, another question regarding Da Vinci might be ... Is this another clue in the Da Vinci Code not yet mentioned, and very likely overlooked?

So the choices are simple,

1) Jesus Christ is the image on the Shroud of Turin and is left-handed! 2) Jesus Christ is the image on the Shroud and was desecrated by his followers! 3) Left-hander Leonardo Da Vinci is the image on the Shroud and he posed naturally. 4) A left-handed unknown individual is the image on the Shroud. 5) The experts can't tell which side is the up side of the Shroud.

Isn't it interesting that a left-hander noticed it? When all the experts have looked at it, and run out of ideas, then it's time for a left-hander to look at it. We see things that right-handers miss. James Borthwick is an international trader and left-hander. He has designed a wide range of products for left-handers available online at http://www.CafePress.com/lefthanded Also see his books on and about being left-handed at http://www.Left-handersInternational.com - EmpireTradeCorp@hotmail.com ]]> The Benefits of Left Hand Drive Cars http://www.artwoo.com/article/the-benefits-of-left-hand-drive-cars http://www.artwoo.com/article/the-benefits-of-left-hand-drive-cars#comments Thu, 28 Aug 2008 11:29:25 +0000 volkswagen new beetlemurano nissannissan almeranissan muranonissan pathfinderbmw m5volkswagen eos http://www.artwoo.com/article/the-benefits-of-left-hand-drive-cars
However, many automobile manufacturers are responding to the needs of left-handed people and are creating left-handed cars. These left-handed cars are quite popular with this segment of the population. For those of us who are right handed, think for a moment if everything in your car was set up in the exact reverse position that it was. That you were expected to make at times split second decisions with your nondominent hand. This is a very difficult and frustrating position to put anyone in.

Some of the most popular left-handed cars include Ford, BMW, Volkswagen and Nissan. These automobile manufacturers have created a number of models with a left-handed version. For Ford these include: Ford Focus, Ford Galaxy and Ford Fusion. For BMW these include: BMW 118, BMW 320, . For Volkswagen these include: , Volkswagen Golf and . For Nissan these include: , , . One can easily see that left handed people can now own a luxury car, a mid-sized car, a moderately priced car and a car that is very safety conscious. It is ideal that left-handed drivers are offered great choices for their automobiles. Left handed drivers can choose many popular cars that we know and love to drive, for all of the popular reasons that other drivers select them.

One might think that offering left-handed cars might reduce the number of accidents. When someone is forced to drive with their non-dominant hand, this must be challenging. At times, this could be the cause of a great safety risk, when someone reaches for something with their dominant hand that is in the "wrong" place for the right-handed car. Now with the left-handed car, the left-handed driver is put in a great position of control.

Before the left-handed car, left-handed drivers must have gotten used to driving in right-handed cars. Left-handed people are simply forced to adapt at many times and situations. This is commonplace when you are not the majority of a group. The majority of the group makes decisions that affect everyone. Now having left handed cars may also boost the confidence of left-handed people. Having a car created just for them recognizes their needs and requirements. It no longer forces them to adapt, they can drive comfortably with their dominant hand in the "right" (correct) place.

Left-handed cars are ideal for many reasons. Hopefully they will encourage even more adaptations for left-handed people. Left handed people deserve to have gadgets and tools that are specifically designed for their needs. Left-handed cars are part of the wave of the future.Oakleaf a European import car dealer supplies a full range of left hand drive cars also know as Lhd cars.]]> Left Hand Drive Car Information Guide http://www.artwoo.com/article/left-hand-drive-car-information-guide http://www.artwoo.com/article/left-hand-drive-car-information-guide#comments Sat, 11 Oct 2008 13:57:25 +0000 mercedes benz slr mclarenmercedes benz slrleft hand drive carsporsche carrera gtaston martin db9hand drive carsright hand drive cars http://www.artwoo.com/article/left-hand-drive-car-information-guide Left or lhd for short are cars where the steering wheel is located on the right side if you are sitting inside or the left side if you are facing the front of the vehicle. Throughout this article I will be using lhd for left hand drive and rhd for .

Depending on what country you are in and the side of the road they drive on, you may have never heard of left hand drive cars before Why can't you drive both lhd and rhd cars in all places? This is due to strict laws that countries have for driving on their roads. Even though left hand drive and right hand drive cars drive the same, driving a left hand drive in a right hand drive area is probably illegal. Signs, toll booths and traffic lights are all tailored for one side or the other, not both. There just isn't a way that both left and right hand drives can be accommodated.

In addition to that, some countries are requiring that all cars twenty years or older be converted to left hand drive if the are right hand drive and vice versa. The reason for this is because it simply isn't safe to have a left hand drive car on the road in right hand drive country.

The process of changing a cars primary driving parts from one side to another requires a conversion kit and someone knowledgeable enough about conversions to implement them. Another option is to contact a specialist dealer to acquire a left hand drive car. It is more expensive to purchase cars that drive on the opposite side of the traffic flow no matter where you go. One reason is because it is harder to sell over the correct driving side models. Wouldn't it be great if cars were made with the steering wheel in the middle of the car opposed to the left or right hand side?

Left hand drive car manufactures:

/ Ferrari Enzo/ Ferrari 360 Challenge Stradale/ McLaren/ / Porsche 997/ Ford GT40/ Lamborghini Gallardo/ Murcielago

There are few things to consider with left hand drive cars outside of the left hand drive areas. Insurance cost, laws and auto repairs are the biggest issues with them. Even finding a driving school with left hand drive cars can be tricky. Before investing in an lhd whether it be to drive or just to add to your car collection, these concerns should be evaluated before you decide to buy. It doesn't make much sense to buy a lhd if it's; illegal to drive, impossible to find parts and a mechanic that does repairs or can't be insured.

Popular Left Hand Drive Car Models
Aston Martin DB5 left hand drive
Lincoln Navigator left hand drive
Mazda MX-5 Roadster
Mitsubishi Pajero GDI V6 3500 left hand drive
Toyota MR2 Spyder left hand drive

Finding a Left Hand Car

Interested buyers of left hand cars should check online for the best deals. Places such as Ebay often have them for sale. You may want to check with local car dealers but don't be too surprised if they don't have a clue as to what a left hand drive car is. This isn't uncommon at all.If you are looking to purchase left hand drive cars Oakleaf is the UK's premier source for Lhd cars.]]> Wrong Side of the Road Left Hand Drive Cars http://www.artwoo.com/article/wrong-side-of-the-road-left-hand-drive-cars http://www.artwoo.com/article/wrong-side-of-the-road-left-hand-drive-cars#comments Thu, 24 Jul 2008 17:08:20 +0000 left hand drive carshand drive carsright hand drive carsfreight wagonsright hand drive vehiclesright hand trafficsame time period http://www.artwoo.com/article/wrong-side-of-the-road-left-hand-drive-cars
Whether you are driving an automatic transmission automobile, manual transmission, right hand drive car, or even left hand drive car, there is usually always something new to be learned when switching to a new car. Right and can especially be difficult to get used to if you have learned to drive in a place where the steering wheel was only on the right or the left.

The History of Left Hand Drive Cars: There are plenty of countries in the world that have had long-standing traditions of left and as well as laws of the land that have been in place for centuries pertaining to the rules of the road and the flow of traffic. England has an especially interesting traffic history. In the late 1990s archaeologists in England found a well-preserved ancient path and track where horses were used for travel.

From their discovery, they deduced that horseback riders would generally keep to the left while traveling as well as steer the horse with their left hands. Needless to say, that tradition has been kept throughout the centuries in England.

However, the tradition of left-hand traffic in Britain was made secure through a law that was passed in the 1700s. This law, The Highway Act 1773, was essentially an order and law for all traffic to keep to the left while driving. On the other hand, the had the United States changing its rules of the road from the left to the right-hand traffic because of the setup of horse-driven . That tradition has been kept as well, and mainly right-hand drive vehicles are now produced in the United States.

Countries with Left Hand Drive Cars: Many places throughout the world, and perhaps the majority of countries, have left hand drive cars with right-hand lane traffic. However, some countries do primarily use left hand drive vehicles with left hand traffic as well. Left hand drive automobiles have the steering wheel on the left side of the car (the driver's side) and are primarily made for , though.

One example, as discussed above, which does primarily use vehicles with the steering wheel on the left side of the car as well as left-lane traffic flow, is the United Kingdom. This is much different from the United States where left hand drive cars are used, but right-hand lane traffic is the supreme law in almost all areas.

Even though a country may have mainly left hand drive cars, though, right handed vehicles are also sometimes allowed. For example, left hand drive cars are mainly used in the United Kingdom, but automobile consumers still exercise their right to purchase right-hand drive vehicles from other various European importers. On the other hand, some countries ban the use of wrong-side steering wheel automobiles so that no confusion exists within the country's traffic flow.

All in all, left hand drive cars are certainly popular by many individuals throughout the world today. With many of the major automobile manufacturers specializing in producing left hand drive vehicles, one can be almost certain that this trend will continue throughout time.Oakleaf offers a wide selection of Left Hand Drive Cars better know as Lhd Cars for purchase.]]> Left Hand Drive Cars and the Direction of Forward Traffic http://www.artwoo.com/article/left-hand-drive-cars-and-the-direction-of-forward-traffic http://www.artwoo.com/article/left-hand-drive-cars-and-the-direction-of-forward-traffic#comments Sat, 11 Oct 2008 14:22:17 +0000 left hand drive carshand drive carsright hand drive carsleft hand driveincoming carsleft hand sidedriver position http://www.artwoo.com/article/left-hand-drive-cars-and-the-direction-of-forward-traffic left or and traffic that will be driven on its roads. For drivers who visit a country that seats its drivers on the opposite side, it can be a surprising change to sit thus on their first driving experience in such a country.

Road rules dictate that traffic will be either left hand or right hand in any country. This means that the forward moving traffic will all be on the left or right side of the road. North American drivers are used to driving on the right hand side of the road. Most of the world's countries place their forward moving traffic in the right hand side. Approximately 66% of the world's drivers are on the right hand side. The other 34% drive forward on the left side of the road.

Not only are cars moving forward on one or the other side of the road, the driver will be positioned on the left or right hand side of their vehicle. Cars, which place the driver on the of the car, are called cars. The driver on the right hand side is driving a right hand drive car.

When cars first came out, many times the was in the middle of the seat. This placement did not last long since it did not afford the driver any visual or protective benefits. When the driver is seated on the left hand side of the car, the person can keep incoming traffic in view and stay in a correct position on the road relative to incoming traffic. The driver can judge the distance from and at intersections. This birdseye point of view is also helpful when an oversize vehicle is coming towards the car.

Another benefit to having a driver located on the left hand side of the car involves the front seat passenger. A driver will be able to drop off a front seat passenger who is seated on the right side of the car at any street location when necessary. When the passenger is on the left seat, the driver must pull into a laneway to let the passenger leave the vehicle.

Right hand drive cars offer the driver protection in case of a collision with incoming traffic. By protecting the driver this way, it is believed that the driver will have a better survival rate after an accident. Although a right hand drive car does not offer all the visual cues that the left hand car does, the right hand car is still popular with some consumers.

The driver of the car and the country that the person is driving in will ultimately decide the suitability of a left hand drive car for their roads. Left hand drive cars offer many benefits including a clear view of the road and oncoming traffic. For many drivers, the left hand drive cars are a better choice.If you are looking to purchase left hand drive cars Oakleaf is the UK's premier source for Lhd cars.]]> What Happens When You Consolidate Bills -- A Brighter Financial Future http://www.artwoo.com/article/what-happens-when-you-consolidate-bills-a-brighter-financial-future http://www.artwoo.com/article/what-happens-when-you-consolidate-bills-a-brighter-financial-future#comments Tue, 20 Mar 2007 19:44:01 +0000 credit card debtsdebt consolidation loanconsolidate billsmoney leftpaycheck to paycheckextra moneymoney seems http://www.artwoo.com/article/what-happens-when-you-consolidate-bills-a-brighter-financial-future paycheck to paycheck. Some want to have some over after paying their bills so they can treat themselves. Some want to save up their money for a home, for their children's college education, for a new business, and more. When the money just isn't there to do what they wish they could with it, it can get depressing, overwhelming and downright scary. It can seem like it will never end, and they will never have any money left over at the end of the month for anything. All of their to be spent on all of their bills and nothing else. There is a way out -- there always is. You can , lower your monthly payments and look forward to a brighter and healthier financial future.

Consolidate Bills --

Consolidating your bills can mean that you might have that left over at the end of the month to save, invest and/or treat yourself to whatever it is you want to.

What is a ?

A debt consolidation loan will take all of your debts, including , store credit card debts, school loan debts, car loan debts, and more and compile them all into one, simple monthly payment. Often times, the monthly payment you will end up paying after you get a debt consolidation loan will be lower than your original monthly payment. You will no longer have to pay three or more different companies. When you choose a debt consolidation loan, your bills will be consolidated into one monthly payment. You will only have one company to pay. Save your checks, stamps and other expenses of paying several bills a month and consolidate bills.

The Benefits When You Consolidate Bills --

You can get out from under that stack of overwhelming bills you have and see a brighter financial future for yourself and your family. You should be able to spend at least some of the money you earn on what you want to, not what you have to. Consolidate bills and get that stress lifted off of your shoulders. Thomas Erikson is co-founder of http://www.your-debt-consolidation-loan.com which provides debt consolidation information and solutions. Find out how you can quickly and easily get your finances under control when you Consolidate Bills. ]]> Fasy Payday Cash Loans http://www.artwoo.com/article/fasy-payday-cash-loans http://www.artwoo.com/article/fasy-payday-cash-loans#comments Thu, 24 Aug 2006 08:27:31 +0000 payday cash advanceadvance moneymoney rightpayday loansinternet startup companygottenabject poverty http://www.artwoo.com/article/fasy-payday-cash-loans payday cash advance can be the solution to all of your problems. No, I know what your thinking. You have seen those ads for the fast cash , and peg them right away for what you know they are: scams. Well, let me level with you. Yeah, they charge more interest than they should for the cash that they give you, but you know what, there are plenty of people who needed away, and were saved by a good fast payday cash advance in the nick of time. I know, you see, because -- and this may surprise you -- I am one of them.

Yeah, I know that I am rich and prosperous now, and really want for nothing in my life, but this was not always quite the case. There was a time when I was on the edge of absolute with not a thing in the world. It had so bad that the banks were threatening to repossess my car, which would have meant that I would not have had any transportation to even go to my job at all. I needed money bad. Real bad. So, I got a few dollars in a fast payday cash advance.

By a few dollars, I mean a few thousand. It's strange to have all that cash in your hand when you are used to having nothing, and knowing that you can't blow any of it on luxuries. It was all earmarked for important expenses, except for a thousand left over. Then, I got a hot tip. A friend of mine was about to go public with his , and wanted to know if I wanted to buy the stock. It was a risk. If I lost my fast payday cash , I would have nothing left to pay back my loan, and would be in even worse case than before. But I decided, what the heck, and used those fast payday cash advance dollars to buy the stocks. I even borrowed some more to invest. I was not disappointed.

Overnight, my thousand dollars had turned into tens of thousands of dollars. I was not rich, but thanks to risking the fast payday cash advance money, I had quite suddenly gotten enough to get back on my feet again. I even had some left over to go into business on my own. And the rest is history. If you would like more information on paday loans and other finanical tips please check outn our website at Make Money Plans. http://www.makemoneyplans.com ]]> Three Simple Coin Tricks http://www.artwoo.com/article/three-simple-coin-tricks http://www.artwoo.com/article/three-simple-coin-tricks#comments Sun, 28 Oct 2007 08:30:01 +0000 three coinstwo coinsaudiencepalmmagicmind readingsecret place http://www.artwoo.com/article/three-simple-coin-tricks magic. They don't take long to learn, they don't need many special props and with a bit of practice they can amuse and delight people wherever you go.

Coin Trick 1: Money Making Magic

Your hands are empty and there are on the table. You sweep the coins off the edge of the table and into your hand. When you open your hand, there are five coins instead of three.

The Secret: Before you begin, stick to the underside of the table at the edge where you plan to do the trick. When you sweep the coins off the table with your right hand, detach the other two coins with your left hand. When you open your left hand, the three coins will have magically increased to five.

Coin Trick 2: The Teleporting Coin

A coin mysteriously travels from one hand to the other. Start with your s face up on the table and a coin in the palm of each hand. Flip both hands over and when you remove one hand there's nothing under it. When you remove your other hand, both coins are safely hidden under it.

The Secret: Place one coin in the palm of your left hand and another coin at the base of your fingers towards the right hand side of your right hand. Due to the positioning of the coins, when you flip your hands over the left coin will end up under your left hand, while the right coin will be pushed towards your left hand.

The trick should work automatically. If you flip your hands using enough speed, your won't be able to see what happens.

Practice flipping your hands until you can get the trick right every time. The hand that fires the coin across should flip slightly before your other hand. It's also important to make sure that the coins don't collide and make a noise, which will reveal the secret of this trick.

Coin Trick 3: Money

When you leave the room or turn your back, someone from the audience hides a coin under a cup that's placed in the center of the table. When you return to the room, you can guess the type of coin that has been hidden.

The Secret: Once a member of the audience has placed a coin in the middle of the table, your secret assistant places the cup over the coin. They use the handle of the cup to secretly inform you the value of the coin under it.

All you have to do is agree on a secret code. Each different handle position relates to a different value of coin. Just make sure that both of you are perfectly clear on the secret code that you're using and can remember it without having to think about it.

The other advantage of this trick is that you can perform it anywhere in the world regardless of the currency. If you're looking for coin tricks that will entertain and amaze, visit Lucas Da Silva's site at http://www.supermagictricks.com ]]> Learn About Left Hand Drive Car Conversions http://www.artwoo.com/article/learn-about-left-hand-drive-car-conversions http://www.artwoo.com/article/learn-about-left-hand-drive-car-conversions#comments Tue, 26 Aug 2008 13:50:57 +0000 left hand drive carsleft hand carhand drive carsright hand drive carsmazda lexusleft hand drivejeep cherokee http://www.artwoo.com/article/learn-about-left-hand-drive-car-conversions left hand drive (lhd) car can be very difficult if not impossible. Some dealers specialize in importing to sell to consumers but this is quite rare. For the most part a left hand drive car is just an oddity to people who don't drive them.

In fact, many people only see left hand drive cars in movies that are based in the parts of the world where they are driven. Some car manufactures don't even make left hand drive cars or if they do, the quantity is very limited or only sold in certain areas. However, companies such as Land Rover, Mercedes-Benz, Mazda, Lexus and Audi usually produce both left and for most of their makes and models.

Once you have found a dealer you will need to do some extensive research into the cars history to ensure quality. Was the car manufactured to be a left hand drive car, or was it converted into one? If it was converted it's best to question your dealer about the process and inquire about future repairs. Changing a right hand drive car over to the left side doesn't necessarily mean that the car is somehow defective. Since the car has undergone a major change, it could have a negative impact on the car if it wasn't done properly.

Just as with any car repair, improper work will only lead to spending more on repairs down the line. Even a brand new car that has been converted may show problems. Technically, the car isn't even considered brand new any longer once the conversion has taken place. Some cars simply can't be converted and forcing a conversion is very unethical but this does take place to some degree.

The most important thing is to have the car tested out by a third party mechanic using the standard diagnostic test that normal cars go through. Failing to do so could lead you to purchase a car that is unsafe for the road. The 1993 Utility left hand drives were recalled due to defects and safety concerns and so have many other models.

Other things you need to be aware of when selecting a left hand drive car is the cost of maintaining your car. If your car is an import or contains parts imported, you should be prepared to spend more money on the cars maintenance then you would on regular cars. Just as with anything imported for another area you should be prepared for limited availability, higher cost and possibly extended periods of time for the parts to arrive.

Individuals should select left hand drive cars by first reviewing the car dealer's website and then researching the cars history, while reading the car owner's manual. Car manuals give full detailed information and specifications about the car and they normally state clearly if the car was made to be converted.

Whether you plan on importing a left hand drive car or getting a right hand drive car converted, your main concern should be safety. Aside from safety issues you will also have to contend with inflated cost and part availability. The best advice I could give to anyone on this subject would be to thoroughly research everything about the car and the dealer you plan to purchase it from.Oakleaf a European import car dealer supplies a full range of left hand drive cars also know as Lhd cars.]]> Left-handed Golf Player http://www.artwoo.com/article/left-handed-golf-player http://www.artwoo.com/article/left-handed-golf-player#comments Wed, 17 Oct 2007 14:24:58 +0000 left handed golfleft handed peoplehow to puttcustom golf clubsright handedweather conditionsplay golf http://www.artwoo.com/article/left-handed-golf-player play golf. Depending on where you live and if you have access to large golf stores or pro shops, you may have to order your equipment through a website or catalogue. While some left-handed people learn how to play right-handed, it is not uncommon to find a left-handed player or two at the golf course or driving range.

Before you begin taking golf lessons, you should decide if you want to be a right-handed or left-handed golf player. Either one is fine, but you should choose the side you feel most comfortable with so you can learn and develop your own golfing style. Those who are uncomfortable will never learn how to play the game properly. Once you have determined that you want to learn how to golf using your left-hand, you should track down a set of golf clubs that are appropriate. Ask at pro shops who they would recommend.

Since can be expensive, you may be able to find used left-handed clubs on classified ads or in used sporting goods stores. You will also need to left-handed putter. Once you locate these items, you are ready to being taking lessons. While you can learn from a right-handed golfer, you may want to find someone who can teach both types of golfers or a left-handed golf instructor. They will be able to teach you more about your swing and offer advice on any problems you may encounter.

Learning to golf left-handed is no different than learning if you were right-handed. You will still need to practice at least once or twice during the week in order to improve, you will still have to learn how to golf in adverse , and you will still have to learn how to hit the ball and . Even though you may have difficulty at first finding a set of left-handed clubs, it is the work you put into your practice sessions that will make the difference when you decide to play on a course or in a tournament.

Finding golf accessories may be easier than finding golf clubs. There are many stores that sell smaller items made for left-handed people. If you need gloves and other accessories, you should try to find them online or in specialty stores. Having the proper accessories will improve your game and make you feel more confident as a golfer. Linden Walhard pens mostly for http://www.alicante-spain.com , an online site on Guardamar and Moraira. You might see his publications over at http://www.alicante-spain.com/calpe.html and different sources for map of calpe tips. ]]> Making The Decision To Refinance Your Car Loan - 3 Things To Consider http://www.artwoo.com/article/making-the-decision-to-refinance-your-car-loan-3-things-to-consider http://www.artwoo.com/article/making-the-decision-to-refinance-your-car-loan-3-things-to-consider#comments Tue, 12 Sep 2006 12:27:06 +0000 loan interest raterefinanceprime ratecar loan interestsave moneyprepayment penaltiesrefinancing http://www.artwoo.com/article/making-the-decision-to-refinance-your-car-loan-3-things-to-consider refinance your car loan, there are some things you need to consider. This article offers tips on what to consider before your car loan:

Interest Rate

The most common reason a person wants to refinance is to get a better interest rate. Perhaps you had bad credit when you took out your car loan, and, now that your credit has improved, you want to refinance under a better interest rate. Or, perhaps the is lower now than it was when you financed, and you want to take advantage of lower rates. A lower interest rate will save you a lot of money if you have more than a year left on your car loan; however, interest rates are not the only things you need to consider.



So, you've done all of your calculations, and you know that refinancing under a better interest rate will save you a lot of money. However, you need to consider prepayment penalties in your calculations. Say that refinancing will save you $2000 over the life of your loan. If your current loan has $2000 in prepayment penalties, it's not going to benefit you to refinance. Check your loan documents for information on prepayment penalties. If you'll be charged them, make sure to add that amount into your calculations.

Length of the New Loan

If you currently have two years left on your loan, you're not going to by refinancing under a better interest rate for a longer number of years. For example, if you're currently paying 16% interest on a loan that has two years left on it, and you refinance for a four year loan with 8% interest, you'll end up paying the same amount of interest. If you're just looking for a lower monthly payment, this might be the way to go. However, if you're looking to save money, you'll need to add the length of the loan into your calculations. Visit Refinance Smarts to view our Refinance Lenders online. Also, visit Refinance Smarts for more tips on getting a http://www.refinancesmarts.com/auto_loan_refinance-save_on_your_auto_refinance.shtml ]]> Help For Left Handed Golfers From Wilson http://www.artwoo.com/article/help-for-left-handed-golfers-from-wilson http://www.artwoo.com/article/help-for-left-handed-golfers-from-wilson#comments Tue, 27 Mar 2007 12:40:00 +0000 left handed golf clubsleft hand golf clubsleft handed peoplecenter of gravitysouthpawtrue temperhand golf clubs http://www.artwoo.com/article/help-for-left-handed-golfers-from-wilson southpaw you no longer have to search the country for left hand clubs and pay high prices to purchase them. Wilson makes to the standards that right hand golfers have enjoyed for years. Wilson and other golf equipment manufactures produce good quality clubs at reasonable prices that will fit any left handed golfer. In the past some were forced to play right or cross handed just to play the game.

The Wilson Fi5 series of left-handed irons is the solution to that problem. Designed especially for the lefty golfer the Fi5 series of clubs are equal to comparable any right handed clubs. These clubs are designed for outstanding golfers who want to achieve a good golf swing with irons. The Fi5 series clubs accomplishes this with a progressive weighting system, moving the clubs' higher in the club. These are forged with narrow top lines and sole widths that give you the feel you need to improve your golf game. My left handed playing partners think this is the answer to their need for quality left-hand irons.

The Wilson Pi5 clubs, on the other hand, should help intermediate golfers with their control problems. These left hand clubs also feature a progressive and variable center of gravity to ensure a high arc for the short game and long, straight trajectory for long irons. Wilson added a large sweet spot to this series of irons to assist with club and ball control, as well. The Pi5 clubs have a taller, narrow COR face, despite their normal head size.

The Di5 Wilson left hand clubs deliver the same precision engineering in the clubface and head that the Fi5 and Pi5 models offer. In addition these Wilson clubs feature a choice of steel or graphite shafts, which can provide flexibility for long irons but stiffer feels for short ones. The shaft technology in the Di5 is either steel or UST graphite. Shaft flexibility comes in L, R, S and E to meet any player's ability and physical condition.

Wilson has made possible to find good quality left handed golf clubs in most golf pro shop across the country. Many course now rent left handed clubs to southpaws. Quality left handed golf clubs has made the game of golf accessible and more enjoyable to more people. Wilson sporting goods has provided quality equipment to fit any golfer. Since Wilson has marketed its quality left handed clubs other golf equipment manufactures have followed suit. James Kesel, MS, is the publisher of the Good Golf Swing website at http://www.good-golf-swing.com, ]]> The Right Side of the Road Isn't Always the Correct One http://www.artwoo.com/article/the-right-side-of-the-road-isnt-always-the-correct-one http://www.artwoo.com/article/the-right-side-of-the-road-isnt-always-the-correct-one#comments Wed, 27 Aug 2008 04:57:20 +0000 left hand drive carshand drive carsright hand drive carsleft hand driveright hand trafficfreight wagonssame time period http://www.artwoo.com/article/the-right-side-of-the-road-isnt-always-the-correct-one left , especially if they are more comfortable in driving the . The reality is however, that there are many countries who have opposite rules of the road.

Many years ago, archaeologists in England made a very interesting discovery. They happened upon a well-preserved path that had been continuously used for traveling by horses. By carefully studying the path, the archaeologists found that it was very clear that the riders that were riding these horses would normally tend to travel on the left side of the path. It was also found that these riders would tend to steer their horses by using their left hands.

The tradition of both the horses that were ridden, and the vehicles that were driven, driving to the left has remained the same throughout many centuries in England. During the 1700s a law was ultimately passed that would secure this driving preference. This law was called the Highway Act 1773, and it states that all traffic is to keep to the left when they are driving on the roads.

The United States also shared this preference of using left hand traffic, but then it was switched to using at about the that England passed the law of the Highway Act 1773. The setup that was used for the horse-driven is essentially what ended up prompting this change to take place into using right hand traffic. This preference of driving is still in effect to this day.

There are many places all around the world, as well as a majority of all the countries that prefer using the style of automobiles that are cars, yet they prefer using right-hand traffic. There are some countries however that uses left hand traffic along with the use of left hand drive cars.

There are some countries that will allow its citizens to have the right in being able to choose which type of vehicle they would prefer to drive. They have the benefit in being able to decide if they would prefer to drive either a left hand drive car, or the right hand drive cars. The United Kingdom essentially uses the left hand drive cars, but there are some of its individuals that take advantage of being able to choose from a variety of European import vehicles that are right-hand drive vehicles.

Then, there are other countries that have banned the use altogether of its citizens being able to use any automobiles that have the wrong-side steering wheels. This could be perhaps due to the tremendous amount of confusion that it can create for the country's normal flow of traffic.

Even with the variety of options and different rules of various countries, the left hand drive cars still remain the most popular and preferred choice for a majority of individuals all around the world today. A majority of the automobile manufacturers that are responsible for making both the left hand drive cars, as well as the right hand drive cars, still prefer making and producing the left hand drive automobiles.Oakleaf a European import car dealer supplies a full range of left hand drive cars also know as Lhd cars.]]> LHD Cars Are They On The Wrong Side Of The Road http://www.artwoo.com/article/lhd-cars-are-they-on-the-wrong-side-of-the-road http://www.artwoo.com/article/lhd-cars-are-they-on-the-wrong-side-of-the-road#comments Wed, 27 Aug 2008 05:01:24 +0000 left hand drive carshand drive carsright hand drive carsleft hand driveright hand trafficfreight wagonssame time period http://www.artwoo.com/article/lhd-cars-are-they-on-the-wrong-side-of-the-road left , especially if they are more comfortable in driving the . The reality is however, that there are many countries who have opposite rules of the road.

Many years ago, archaeologists in England made a very interesting discovery. They happened upon a well-preserved path that had been continuously used for traveling by horses. By carefully studying the path, the archaeologists found that it was very clear that the riders that were riding these horses would normally tend to travel on the left side of the path. It was also found that these riders would tend to steer their horses by using their left hands.

The tradition of both the horses that were ridden, and the vehicles that were driven, driving to the left has remained the same throughout many centuries in England. During the 1700s a law was ultimately passed that would secure this driving preference. This law was called the Highway Act 1773, and it states that all traffic is to keep to the left when they are driving on the roads.

The United States also shared this preference of using left hand traffic, but then it was switched to using at about the that England passed the law of the Highway Act 1773. The setup that was used for the horse-driven is essentially what ended up prompting this change to take place into using right hand traffic. This preference of driving is still in effect to this day.

There are many places all around the world, as well as a majority of all the countries that prefer using the style of automobiles that are cars, yet they prefer using right-hand traffic. There are some countries however that uses left hand traffic along with the use of left hand drive cars.

There are some countries that will allow its citizens to have the right in being able to choose which type of vehicle they would prefer to drive. They have the benefit in being able to decide if they would prefer to drive either a left hand drive car, or the right hand drive cars. The United Kingdom essentially uses the left hand drive cars, but there are some of its individuals that take advantage of being able to choose from a variety of European import vehicles that are right-hand drive vehicles.

Then, there are other countries that have banned the use altogether of its citizens being able to use any automobiles that have the wrong-side steering wheels. This could be perhaps due to the tremendous amount of confusion that it can create for the country's normal flow of traffic.

Even with the variety of options and different rules of various countries, the left hand drive cars still remain the most popular and preferred choice for a majority of individuals all around the world today. A majority of the automobile manufacturers that are responsible for making both the left hand drive cars, as well as the right hand drive cars, still prefer making and producing the left hand drive automobiles.Oakleaf a European import car dealer supplies a full range of left hand drive cars also know as Lhd cars.]]> Where Did My Paycheck Go? http://www.artwoo.com/article/where-did-my-paycheck-go http://www.artwoo.com/article/where-did-my-paycheck-go#comments Mon, 17 Apr 2006 00:50:19 +0000 microsoft moneyextra moneyroth irapay yourself first401k planquickenmutual fund company http://www.artwoo.com/article/where-did-my-paycheck-go
But there never seems to be anything left over and your savings don't grow.

A better plan would be to . Don't let the money get into your hands. You might find that you actually begin to grow your savings much quicker this way.

If you work for an employer with a , the first thing you should do is to fund it to the max. If you can't afford that, at least put enough in to get the full matching contribution form your employer.

This investment is made before taxes. Your investment is larger and with the employers contribution grows quickly.

Next have a brokerage or debit your banking account monthly. This money should first go into an IRA -- if you have five years or more to go to retirement, make it a .

Next have a few dollars more be debited to go into a no-load, low cost mutual fund. The younger you are, the more aggressive your choice of fund can be.

After that is done, then figure out how to pay your bills and living expenses. If money is tight, cut back on your living expenses and use the to pay down your debt.

Start with the lowest balance first. Once that debt is paid, take the amount of money you were paying on that debt and add it to the payment on the next lowest balance debt. Continue doing this and you can be totally debt free within 5 to 7 years.

Another version of this method is paying the highest interest rate debt first. The principal is the same, you just see more progress with the first method, although it could be more costly based on how your debt is distributed.

(If you don't believe me, get the premier version of or and use the "Debt Reduction" module. You will be shocked at how much money you will save and how fast you can eliminate debt this way.)

The idea is to scrimp at the expense of your current lifestyle, while leaving your savings to grow and you debt to shrink.

I know many of the people reading this will scream that this is an impossible plan. But it is quite doable with a little will power and the ability to delay gratification for a while.

The problem is that if you don't do this, your future might turn out to be very bleak. Chris Cooper, a retired attorney, and his wife Aileen, who has a MBA in Finance, provide financial planning advice at http://www.credit-yourself.com ]]> Where Did My Paycheck Go? http://www.artwoo.com/article/where-did-my-paycheck-go http://www.artwoo.com/article/where-did-my-paycheck-go#comments Sat, 15 Apr 2006 05:50:03 +0000 microsoft moneyextra moneyroth irapay yourself first401k planquickenmutual fund company http://www.artwoo.com/article/where-did-my-paycheck-go
But there never seems to be anything left over and your savings don't grow.

A better plan would be to . Don't let the money get into your hands. You might find that you actually begin to grow your savings much quicker this way.

If you work for an employer with a , the first thing you should do is to fund it to the max. If you can't afford that, at least put enough in to get the full matching contribution form your employer.

This investment is made before taxes. Your investment is larger and with the employers contribution grows quickly.

Next have a brokerage or debit your banking account monthly. This money should first go into an IRA -- if you have five years or more to go to retirement, make it a .

Next have a few dollars more be debited to go into a no-load, low cost mutual fund. The younger you are, the more aggressive your choice of fund can be.

After that is done, then figure out how to pay your bills and living expenses. If money is tight, cut back on your living expenses and use the to pay down your debt.

Start with the lowest balance first. Once that debt is paid, take the amount of money you were paying on that debt and add it to the payment on the next lowest balance debt. Continue doing this and you can be totally debt free within 5 to 7 years.

Another version of this method is paying the highest interest rate debt first. The principal is the same, you just see more progress with the first method, although it could be more costly based on how your debt is distributed.

(If you don't believe me, get the premier version of or and use the "Debt Reduction" module. You will be shocked at how much money you will save and how fast you can eliminate debt this way.)

The idea is to scrimp at the expense of your current lifestyle, while leaving your savings to grow and you debt to shrink.

I know many of the people reading this will scream that this is an impossible plan. But it is quite doable with a little will power and the ability to delay gratification for a while.

The problem is that if you don't do this, your future might turn out to be very bleak. Chris Cooper, a retired attorney, and his wife Aileen, who has a MBA in Finance, provide financial planning advice at http://www.credit-yourself.com ]]> Do I Really Need Life Insurance? http://www.artwoo.com/article/do-i-really-need-life-insurance http://www.artwoo.com/article/do-i-really-need-life-insurance#comments Sun, 24 Jun 2007 14:30:01 +0000 buying life insurancemortgage paymentsdavid thomsonspecialist brokerfuneral expensesfinancial helpdependant http://www.artwoo.com/article/do-i-really-need-life-insurance dependant on you then life insurance is something which you should certainly consider taking. Having life insurance doesn't just mean the would be covered in the event of your death, it is much more.

Life insurance is all about giving those that are left behind . For example, if you are the main wage earner then consider what would happen to your family and how they would cope if they were left with bills to pay.

If you have a mortgage then the alone would be a nightmare to find, not to mention other bills, such as putting the kids through college as well as looking after their well being. Even if your children are grown up then consider what would happen to your partner and the home.

Benefits from life insurance can also help to pay off any other debts which might be owing and which otherwise might have to be found from assets that you have left to family members, so it is worthwhile considering taking out a policy.

doesn't have to be a complicated matter. Simply determine how much cover you would be likely to need before searching online for the best deal. Factors you should take into account when deciding how much life insurance you need to take include how much is left on your mortgage; how much money your partner and the household would lose through loss of your earnings; how much it would take to bring up the children in your family; and how much would such things as childcare cost if your partner had to return to work.

Once this has been determined then it's simply a matter of finding the right cover. It is important that you choose the right type and amount of cover for your policy and a will be able to help. is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance. ]]> How To Consolidate Bills And Lower Your Monthly Payments http://www.artwoo.com/article/how-to-consolidate-bills-and-lower-your-monthly-payments http://www.artwoo.com/article/how-to-consolidate-bills-and-lower-your-monthly-payments#comments Thu, 29 Mar 2007 10:12:02 +0000 consolidate your billsconsolidate billsunnecessary stressstress anxietyworrymoney leftdebts http://www.artwoo.com/article/how-to-consolidate-bills-and-lower-your-monthly-payments unnecessary stress, anxiety, sleep disturbances, and more. There is a solution that can help you with all of those things -- to lower your monthly payments.

Benefits of Consolidate Bills --

Unfortunately, we can't make our bills simply disappear (that would be nice, wouldn't it?), but we can consolidate bills to lower our monthly expenses. Imagine what else you could be doing with the money you have left over each month. You could shop for things you need, save up for a home, open a college savings plan for your children, buy a new car, and so much more. The left over money from your consolidation is yours to use however you choose. Wouldn't it be nice to have some financial freedom in a world full of bills?

Consolidate Bills Can Help You --

When you consolidate bills, you will physically and mentally feel so much better. You no longer have to about making ends meet. You no longer have to worry about how you will pay all of your bills this month. Your stress will be lowered, you will worry less, you will be able to pay your bills, and you might have a lot of over after you pay your expenses.

How to Consolidate Bills --

Consolidating your bills can be very simple and fast. You will no longer have to pay each different bill separately, which can take a lot of stress off. You just have to pay one bill per month for your bills.

You should take a look at your . Pull out the paperwork so you can let your consolidator know about where your debts stand. This will save you a lot of time when you finally make the choice to and lower your monthly payments.

Once you have done this you should also look at your spending habits, and come up with a monthly budget you can deal with without falling back into debt. This will help you greatly down the road. For more information on how to Consolidate Bills, visit http://www.your-debt-consolidation-loan.com for your path to financial stability and a brighter financial future. ]]> Tools For Those Of Us That Can http://www.artwoo.com/article/tools-for-those-of-us-that-can http://www.artwoo.com/article/tools-for-those-of-us-that-can#comments Thu, 22 Mar 2007 17:47:59 +0000 left handed peoplepower tool industrypower tool manufacturerspower screwdriversbladepower toolssaws http://www.artwoo.com/article/tools-for-those-of-us-that-can power tools on the market are designed for everyone to use. However, if you happen to be left handed, then you may realize just how difficult it is to operate particular power tools. The on/off switch being in a location that isn't convenient or easy to get to in the event of an emergency is the most common complaint.

With , the most common complaint for is that the is on the right hand side which makes it difficult for them to operate. The left handed individual has two choices -- hold it the wrong way and hope the cut ends up being straight or face it the other way around with the blade coming at you and the materials coming at you. Neither is a very effective option.

Still, many left handed individuals feel like they have been cheated by the . In fact, the Left Handers Club, a group that was formed in 1990, has been sparking the interest in many to address the situation. It seems like saws are the one main power tool that hasn't yet been adapted for left handed individuals. For them, a table saw works best because you can choose to cut on either the right side or the left side of the blade.

There are some great power tools on the market that can be used easily for left handed individuals including , routers, nailers, drills, and sanders. This is because the manufacturers have worked hard to redesign them. The on/off switch is generally located in the middle of the power tool so it can be accessed from the right side or the left side.

A mainly unknown brand of power tool, Porter-Cable, has introduced a circular saw kit that features the blade on the left hand side. The reviews of this power tool show it is very inexpensive, around $100 and sees to work very well for a variety of materials. This might be a great saw for left handed individuals to try out. It seems like it would be much safer than the right handed saw options we discussed above.

Panasonic offers a cordless drill that is designed for the left handed individual. In addition, it is getting rave reviews for being a great working power tool that recharges very quickly. Unfortunately, there still aren't enough to make a good selection.

Left handed tool belts are becoming a very popular item manufactured by many tool makers. This is very helpful and a step in the right direction, especially for left handed individuals who work in the construction industry. They commonly wear a tool belt for eight to twelve hours a day, five or six days per week.

It appears that the power tool industry has made some steps in the right direct when it comes to making the majority of power tools accommodating for both left handed and right handed individuals. Moving the power switch made a huge different on many of these power tools. In the past, left handed individuals had to reach in front of the power tool, and that could be a potential risk for injury. Now most of the major power tools have the power switch in the center.

Since there are so many left handed people in our society, and it is no longer something looked down on, there is a huge demand for power tools to work for them. Creating power tools that appeal to this market seems like a great opportunity for power tool manufacturers. There has been some progress in this area over the past ten years, and the trend indicates that more changes will continue to meet the power tool needs of left handed individuals. They will be able to purchase power tools that are effective, safe, and work with them instead of them having to find a way to adjust to the right handed set up. For an abundance of http://www.learnplayguitar.net please visit the website of the author. ]]> Should I Save Mad Money For A Rainy Day? http://www.artwoo.com/article/should-i-save-mad-money-for-a-rainy-day http://www.artwoo.com/article/should-i-save-mad-money-for-a-rainy-day#comments Mon, 14 Aug 2006 18:27:08 +0000 http://www.artwoo.com/article/should-i-save-mad-money-for-a-rainy-day Yes, this is a good idea! I know you want to know what is mad money? Well, a long time ago this term came about when a young lady went out with her friend to a party and her friend left her at the party with no way home. So, the young lady was mad with her friend that left her at the party and luckily for her, she had money stowed away in her shoe to take a cab back home. She thought to herself on her way home in the cab, that it was good that her mother had taught her to always have money set aside for emergency situations such as this!

Thank goodness, this young lady had the forethought to stash her mad money away so she could take a cab back home, since her friend left her in a lurch. Get the point? Having an emergency fund whether it be mad money or saved money is important for you to have. You say, how do I go about doing this? Well, you can read these tips to help you learn what you can do:

1) Set up a savings account specifically for your emergency fund or mad money fund. Whatever you want to call it, just establish one!

2) Deposit a certain amount of money on a weekly, biweekly, or monthly basis in your account. You may want to set up automatic deposits to your account via your payroll department. Or, you may want to have your bank automatically withdraw a certain amount of money from your checking account into your emergency or mad money savings account.

3) Try to save at least 2-3 months of your monthly salary to cover your bills for at least three months if you were to loose your job. This amount of time will hopefully allow you the cushion you need until you secure new employment.

4) The money you save in your emergency or mad money account should be used for household emergencies, personal emergencies or if you're no longer able to work. Don't use it for other expenditures such as bills, travel, etc... Get the idea? It's a savings account that you don't want to touch unless it's absolutely necessary!

5) Make sure the bank account you put your emergency or mad money into, is paying you the most interest you can earn for this account! Research as many sources as possible on securing the best interest rate you can get. Check with your bank, the internet, newspaper and other sources for the prevailing interest rate. You want to make sure your money can be accessed easily and quickly if you need it for an emergency!

By establishing an emergency or mad money fund, this will give you a better peace of mind if you need access to money when there is an emergency in your life. So, the sooner you start setting money aside for a rainy day, the better off you will be! Make sure the amount of money you contribute to your emergency or mad money fund, is realistic for your budget. Save as much as you can without upsetting your overall personal or family finances. So go ahead, get started today! Nocita Carter is a writer and web designer that creates websites providing informative tips on various subject matter including personal finance tips on your personal finances at http://www.personal-finance-tips-for-you.com ; dating tips at http://www.mydating-tips.com and your choice of ebooks at http://www.ebook-corner-for-you.com ]]>