http://www.artwoo.com Returned search results for period of time Copyright 2008 Mon, 01 Dec 2008 17:00:04 +0000 http://www.artwoo.com/rss/period+of+time http://www.artwoo.com/article/expired-domain-name-whats-it-all-about http://www.artwoo.com/article/expired-domain-name-whats-it-all-about#comments Wed, 21 Jun 2006 21:32:05 +0000 expired domain namesdomain name registrationexpired domain namedomain name renewaldomain name servicesdomain name registrydomain name registrars http://www.artwoo.com/article/expired-domain-name-whats-it-all-about Expired domain name is just a common status in the place of domain names. This certain status of the domain name takes place when the domain name holder forgot to renew the registered domain name, and so when a certain domain name is given as "expired domain name", it is understandable that such expired domain name is on the way to deletion from the domain name registry.

So when you receive a note from the domain name registrar that you have an expired domain name and you still want to renew such expired domain name, you should then know the basic process that the domain names go through when they are noted as "expired domain names" and on their way to deletion from the registry.

On the first stage of the domain name prior to becoming an "expired domain name", of course you undergo for a domain name registration. It is often considered that a domain name may only be registered with a maximum of ten year period. Even upon the domain name renewal, the domain name registration period can not extend past a ten year period, so are the domain name registrars have no authority to offer a domain name registration for over ten years. However, it is interesting to know that a top level domain name like the .uk can only be registered for two years at a time.

After that, when a domain name becomes an "expired domain name" or shortly after the domain name goes past its expiration date, the expired domain name will then be deactivated. With the deactivation process, the domain name services involving the web page and the email will no longer function. However, the expired domain name may still be renewed during this period but it will take for 24 to 72 hours before the domain name services will be reactivated.

When the expired domain name reached at the said "domain name grace period" with approximately 40 days after it becomes noted as "expired domain name", the domain name will not be active and may be renewed without paying any additional fees. And after such period for the expired domain name, here comes the next domain name expiration period which is termed as the "domain name redemption period". This is a period for a domain name which involved a 30 day redemption period. In this case, the WHOIS contact information such as the name, address, telephone numbers, and others will be deleted and the domain name will still be inactive. Accordingly, the domain can be renewed during this time by its original holder with $105 plus renewal fees. And since it is a manual process for the registry to add the name, address, and other contact information back to the domain registry records, the process will really take much time.

Finally, after the domain name redemption period of the expired domain name, there comes a final period known as the "domain name deletion period". So five days after the end of the redemption period for the expired domain name, the domain name will be totally deleted from the registry and will then be made available by anyone who wishes to register for a domain name. Discover What It Really Takes To Succeed And Profit From Your Online Business And Find Out The Little Discussed Facts That People Ignore - Or Choose To Ignore - That Makes You Either An Internet Entrepreneur Or Simply, Plain Broke! http://www.internetentrepreneurship.com You May Reproduce this article as long as an active hyperlink is accompanied. ]]> http://www.artwoo.com/article/understanding-grace-periods http://www.artwoo.com/article/understanding-grace-periods#comments Tue, 21 Aug 2007 11:20:02 +0000 grace periodscredit card purchasesthis means thatgrace periodcardst paycredit card balance http://www.artwoo.com/article/understanding-grace-periods credit card balance off in full each month, then you probably don't need to worry about grace periods. However, if you are someone who does not pay off your balance in full each month, then you need to know about the different types of grace periods and how they work. Here is some advice about how to understand grace periods and use them to your advantage.

What is a grace period?

A grace period is the time you will have before you start paying interest on your new credit card purchases. This period is usually between 20 and 25 days, after which you will pay interest on your purchases. If you pay your balance off in full each month, then on most cards you will never pay the interest because you are always clearing your debt in time. However, if you don't pay your balance in full then you need to make sure you get a card with the right grace period for you.

Typical grace periods

Most typical cards have a grace period that means you will pay nothing if you pay the bill each month in full. However, if you don't pay the whole bill then you will pay interest on your balance, including any new purchases that you make. This balance is calculated daily. If you pay your balance off most of the time but not always, then this sort of card will probably be fine for you.

Full grace periods

Although most cards offer a typical grace period, some cards offer a full grace period. This means that you will get the benefit of the 20-25 days without paying interest on new purchases even if you didn't pay your balance in full each month. These cards are generally more expensive but are great for those people who never pay off their balance in full each month.

No grace periods

Beware of cards that carry no grace periods. Although these cards are fine for people usually have a typical grace period card and don't pay their balance off, they can really hurt those who pay their balance off each month. If you pay off your balance in full you will still get charged interest, which means that you aren't getting the benefits you normally would get. If possible, avoid cards with no grace period.

Grace periods a factor

When choosing a card, you should look at the card's grace period as well as its interest and fees. Although other factors such as interest are very important, getting a card with a grace period to match your spending habits will reduce how much the card will cost you in the long-term. If you already have credit cards but are unsure of their grace periods, then check with your card issuer. Knowing the grace periods you currently have could help you to save yourself money by reducing the interest that you pay. Peter Kenny is a writer for creditcards-gb Please visit us at http://www.thriftyscot.co.uk/Banking-Savings/claim_back_any_unfair_bank_cha= rges.html and http://www.loansubmit.co.uk/ ]]> http://www.artwoo.com/article/interest-free-credit-cards-may-be-a-good-way-to-start-your-credit-card-experience http://www.artwoo.com/article/interest-free-credit-cards-may-be-a-good-way-to-start-your-credit-card-experience#comments Sat, 07 Oct 2006 04:27:05 +0000 credit card issuersinterest free periodcredit card debtcredit card centrecredit cardsdivulgehttp http://www.artwoo.com/article/interest-free-credit-cards-may-be-a-good-way-to-start-your-credit-card-experience credit cards are for you. You can spend the credit you have been given knowing that you won't be made to pay interest. You might even be tempted to think that credit cards are a gift from heaven.

Think of when you are making a big purchase. You can use your credit card to pay cash while you choose an easy repayment option that suits your pocket. It is unfortunate that credit card issuers don't indicate the actual APR payable once the interest free period has expired.

The best way to take advantage of this interest free period is to make a big purchase and pay it off before they start charging you for interest. The interest free period varies. Some issuers give you six months while others give you 12 months with is plenty of time to pay off the debt you owe. That way you can make sure there are no nasty surprises waiting for you.

But how do you know which one has the lowest APR? The best is to first just browse around at all the major credit card issuers. If you spot a long interest free period being offered, ask the issuer what APR they charge at the expiry of the interest free period and they'll tell you.

If they choose not to divulge this information, then don't bother to hang around. Most card issuers will oblige and tell you, but some unscrupulous companies may not, so that they can catch you unawares. However, it is always good to know beforehand what you get yourself into. To not do so is a quick way to get yourself into trouble. Credit card debt is easy to get into but difficult to get out of. Heeding these warning calls will prevent you from becoming a statistic. For more information on credit cards, including how to find the best deals please visit http://www.credit-card-centre.com now. ]]> http://www.artwoo.com/article/the-benefits-of-an-interest-only-mortgage http://www.artwoo.com/article/the-benefits-of-an-interest-only-mortgage#comments Fri, 29 Dec 2006 22:27:06 +0000 interest only mortgagemortgage paymentsmortgage borrowerssecond mortgagebeneficialperiod of timeinterest rate http://www.artwoo.com/article/the-benefits-of-an-interest-only-mortgage interest only mortgage as an option for lower monthly payments on your mortgage payments.

With an interest only mortgage, your scheduled monthly payments are interest only. This means that for a certain period of time you only pay the interest charges on your loan.

This can be of great benefit to you.

Pay close attention to the word "scheduled". In indicates that the lender only requires the borrower to make a payment in the amount of the interest. The borrower is still able to payments higher than the interest if desired.

The result of an interest only mortgage is that during the interest-period of the mortgage, payments are not credited towards the principal of the loan. Therefore, the balance of the loan does not change during this period of time.

If you're not paying down your loan balance, why would you want an interest only mortgage? An interest only mortgage is beneficial because the required monthly payment is lower than that of a non-interest only mortgage.

Borrowers with fluctuating incomes benefit from making interest only payments. Some borrowers are able to qualify for a larger loan because the interest only option decreases the monthly payment.

Borrowers who use a second mortgage to finance their down payment often use the interest only mortgage as their primary mortgage since second mortgages usually have a higher interest rate. It makes sense to repay off the mortgage with the higher interest rate as quickly as possible.

Using the interest only option for the primary mortgage frees up the capital to do this.

Borrowers should beware because this low monthly payment does not last indefinitely.

After the interest only period has expired, your monthly payment to your mortgage will increase significantly, especially if you have not made any payments to the principal of the loan during the interest only period.

Let's say you have a $360,000 mortgage with a 30-year term. Without the interest only option your monthly principal payment would be $1,000. However, if you have an interest only mortgage for 5 years, your monthly principal payment will be $1,200 when the interest only option expires.

A 10-year interest only option will put the principal payments at $1,500 once the interest only period expires. The longer you have an interest only mortgage, the higher your principal payments will be when the interest only option expires.

The best way to manage an interest only mortgage is by making principal payments whenever possible. By doing this, you are decreasing the risk of having your monthly payments shoot up to an unaffordable level.

Even though you have an interest only mortgage, you may still see your interest payments increase during the interest only period. Why does this happen? Well, lenders only extend the option of an interest only mortgage with an adjustable rate mortgage (ARM) -- one that has a fluctuating interest rate. If the initial fixed rate period of the ARM expires before the interest only period expires, you are subject to an interest rate increase which leads to an increase in your monthly payment. Similarly, your interest rate could decrease resulting in a decrease in your monthly payment. Download a free ebook that shows you how to get the best mortgage: http://www.freelandproperty.com/ ]]> http://www.artwoo.com/article/credit-card-grace-periods-what-they-mean-to-you http://www.artwoo.com/article/credit-card-grace-periods-what-they-mean-to-you#comments Sat, 27 Oct 2007 21:20:00 +0000 grace periodthis means thatgrace periodspurchasesfinance chargesbilling cyclecredit card applications http://www.artwoo.com/article/credit-card-grace-periods-what-they-mean-to-you grace periods are the amount of time given by a creditor to the consumer to pay off a purchase before interest charges are applied.

Although the amount of time offered will vary from account to account, grace periods most often fall between 20 and 25 days. This is not always the case, and there are many occasions when there is no grace period.

Several common types of grace periods are:

Partial Grace Period

This type of grace period utilizes the average daily balance method of computing interest charges, and does include new purchases provisionally. If the previous billing cycle balance was not paid in full, then interest is applied to new purchases immediately and there is no grace period. If the consumer paid their balance in full during their previous billing cycle, then interest will not be applied to new purchases till the next billing cycle.



Full Grace Period

This grace period also utilizes the average daily balance method of computing interest, but it excludes new purchases. This is very important and it means that any new purchases made will not have finance charges applied until the billing cycle following the new purchase. This offers a full billing cycle grace period, and if the consumer pays the balance then no finance charges will be applied.

No Grace Period

A few credit cards have no grace period at all. These use the method of calculating finance charges known as Average Daily Balance that includes new purchases. This means that interest charges are applied at the moment of purchase, and will be figured into the daily average immediately. Even if you paid your previous balance in full, this interest is applied.

Cards with no grace period are not as common as the others, but pay close attention to the terms and conditions when you apply. Look for the terms "average daily balance including new purchases", and see if a date range is given for the application of interest.

All credit card applications have their grace periods clearly marked under the terms and conditions. You will usually find them under a heading called "Grace Period for Repayment of Balances for Purchases". The reason this is worded in this way is because there are no grace periods for cash advances. Interest is applied the very moment the cash advance is taken out. Balance transfers also have their own grace periods, if any, defined under their own heading.

To learn what the grace period is on your current credit card, the information can be found on the back of your monthly statement. This information is also found online on your creditor's website, but be careful that you are looking at the correct offer. If there is any doubt, call your credit card provider and ask. This is the best way to be sure.

Not all credit card grace periods are the same, and sometimes there is no grace period at all. This article will cover several of the most common grace periods available today. Jon Norwood is a managing partner of http://www.bankcardfinder.com, a site dedicated to providing helpful information that consumers need to compare credit cards and apply for credit card offers online. ]]> http://www.artwoo.com/article/a-home-equity-line-of-credit-may-be-just-what-you-need http://www.artwoo.com/article/a-home-equity-line-of-credit-may-be-just-what-you-need#comments Tue, 07 Aug 2007 07:30:01 +0000 home equity lineshome equity line of credithome equity lineequity line of credithome equity lines of creditthis means thatneed a home http://www.artwoo.com/article/a-home-equity-line-of-credit-may-be-just-what-you-need home equity line of credit (HELOC) may be just the thing for you. This would be especially true if you have a project in mind but are not sure what it may cost. A HELOC could be just the solution you are looking for - because it offers you cash with different options than a traditional mortgage. Here are some of the benefits.

A home equity line of credit is to be considered as a second mortgage. After you fill out the paperwork, and the lender looks over your credit report and your ability to repay the loan, you will be given a credit limit. This means that an account is set up for you, and you will be given access to it either with a credit card or with checks. This way, you can draw out the money as you need it, and only as much as you need.

A home equity line of credit is usually based on a 25 or 30-year time frame. There is a draw period and a payment period. The draw period could be up to 11 years, and the rest of the time period is used for repayment.

You only pay interest on the amount that you draw out. This is an excellent way to save some money, because you still have access to more if you do need it. During the draw period, you will be paying interest - adjustable rate, on the amount of money you have taken out. The interest rate does not amortize the loan in any way - since you are only paying interest.

At the end of the draw period, however, the amortization period starts. Your payments will be calculated on how much you have withdrawn and your payments will be determined at that time. These payments will fully amortize the loan within the time remaining - most of the time. Some lenders do not calculate the payments to fully amortize the loan. Obviously, you will need to watch for this before you sign the agreement.

Home equity lines of credit can come with a number of repayment options. These range from balloon payments at the end of the draw period, to simply monthly payments for the rest of the term. Other options that may be included is the possibility of renewability. Some lenders give this option for those who want an ongoing line of credit.

Before you sign up for a home equity line of credit, though, be sure to compare a number of quotes first. A home equity line of credit may have monthly fees, annual fees, and more, so be sure you know about them all first. By comparing several plans, you can find the one that will be the least expensive, have the lowest rate of interest, and will be the best for you. Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.rebuild.org ]]> http://www.artwoo.com/article/how-do-i-draw-pictures-based-on-picassos-blue-period http://www.artwoo.com/article/how-do-i-draw-pictures-based-on-picassos-blue-period#comments Sat, 20 Sep 2008 07:50:29 +0000 picassos blue periodperiod paintingsmonochromatic paintingsblue shadesfamous paintingswarm colorsstate of shock http://www.artwoo.com/article/how-do-i-draw-pictures-based-on-picassos-blue-period Picassos Blue Period lasted from 1900 to 1904. During this period, he mainly did monochromatic paintings typically with colors like blue and also bluish-green. He did use other warm colors, but it was occasionally done. These paintings happen to be some of the most somber painting done by Picasso in Paris; a Spanish influence is visible in these paintings.

The Blue Period paintings are based on a theme which is melancholy. After the death of his dear friend Casagemas, Picasso was in a state of shock. It was an unnatural death, a suicide. His friend shot himself with a gun. That marked the beginning of Blue Period.

Picasso then was away from his family, unappreciated and unrecognized and also in poverty. He was going through the worst phase of his life and he later explained, "It was thinking about Casagemas that got me started painting in blue."

The Old Guitarist, one of the finest paintings of Picasso was crafted during this period. It was a true realistic art with every emotion highlighted at its best. Some of the other famous paintings of that period are Portrait of Soler in 1903 and Las Dos Hermanas in 1904.

Picasso has been one of the finest painters on earth and it is difficult to live up to his creations, but we can still aim for it. If you really wish to draw in the same line, you need to follow certain rules that have been a part of Blue Period paintings.

When drawing a panting based on the theme of Blue Period, one should focus on the theme first. Choose a theme, sad, melancholy, sentimental, emotional and realistic. The paintings include characters like beggars, prostitutes and drunkards. The paintings reveal the pain and agony of the subjects involved.

You need to learn that color schemes are the crucial elements of Blue Period paintings. A slightest change in the colors can change the theme of the painting altogether. As said before, Picasso used blue to dark-blue shades. But why of all the colors did he choose blue? It was a deliberate choice as blue to him meant deep and calm, a great significance of despair and misery and intense hopelessness.

The gloomy effect and the state of melancholy can be well depicted by these shades. In some of his paintings you might note abnormality in color schemes, but if you take a look at the luminance you will see it's perfect. Concentrate on these factors.

If the colors, it is also important to have the characters in place. You might choose to paint any subject, but you need to represent the emotional state of the subject very well, so that the viewer can connect to the feel.

You should have a look at some of the Blue Period paintings before you actually attempt one. Study the paintings and mark the fine lines and the minute detailing that helps in giving a feel to the theme. Other than colors, you need to focus on the subjects, their state of mind and their emotions as well. Make sure you are able to do justice to the Blue Period.I Askd.com offers a large variety of information - from how to draw to how to draw people.]]> http://www.artwoo.com/article/first-response-pregnancy-test-for-when-you-just-cant-wait http://www.artwoo.com/article/first-response-pregnancy-test-for-when-you-just-cant-wait#comments Thu, 19 Oct 2006 12:27:02 +0000 pregnancy test kitfirst response pregnancy testfirst response pregnancy testspregnancy test kitsfirst response pregnancyhcg hormone levelsearly pregnancy test http://www.artwoo.com/article/first-response-pregnancy-test-for-when-you-just-cant-wait first response pregnancy test, the wait is over!

1. Extreme Sensitivity

It is the case that most pregnancy test kits are not recommended for use until the day you are expecting your period to come. In comparison, first response pregnancy tests are slightly more sensitive (not necessarily more accurate). According to the instructions, this pregnancy test kit can reveal your impending pregnancy four days earlier than its rivals. I don't know about you but for a woman stressing over a possible pregnancy four days can mean a whole lot.

2. Multipacks

Even tests that are 99.99% accurate aren't really that accurate. 99.99% means that one out of every 10,000 women have a test that fails - and this is only true for tests done at the normal time. For an early pregnancy test, you can't achieve anywhere near 100% accuracy. If you do the math, what 99. 99% really means is that for one in every 10,000 women, their tests fail. The ability for you to test again around the time your period is due is therefore invaluable.

3. The HCG Hormone

The test actually works by measuring the hCG hormone levels in the woman's urine. If the levels are too low, then a negative result will be given. If this is the result you have, try testing again around the time your period is due when the hormone level will be higher. If you still have a negative result, but your period doesn't occur, wait another few days and test even a third time. You can take the test at any time of day but you should know that your hormone levels will be much more concentrated during the early morning. Tests provide results in as early as three minutes. For more great pregnancy related articles and resources check out http://pregnancysource.info ]]> http://www.artwoo.com/article/celtic-advent-blends-cultures http://www.artwoo.com/article/celtic-advent-blends-cultures#comments Wed, 03 Sep 2008 10:29:24 +0000 celtic advent wreathnicene creedbritish missionariesroman catholic churchceltic christianitysecond coming of christearly christianity http://www.artwoo.com/article/celtic-advent-blends-cultures early Christianity that pre-dates the Nicene Creed, the roadmap of what Christians, Catholic and Protestants believe. was very different than what we celebrate in the modern time. First Celtic Christianity participated and flourished in this period right up though the middle ages and had its own unique way of celebrating the season of Celtic Advent.

The Celtic Church was given this name to describe the period before the missionaries arrived. St. Patrick a famous saint arose out of the Celtic Christianity era for Ireland Wales and Scotland. He was a British missionary, maybe the most famous of all the Saints to rise out of this time approximately the 5th century. Although, from a historical perspective ironic, Ireland was evangelized and converted by the British Missionaries of which St. Patrick was a participant.

Early periods of advent have roots back to the Gauls and their Monks who seems to fashion the period to mimic advent. They did not have a Celtic advent wreath but started the period of fasting on Nov 15th. This season kicked off with a Mass. This was defined as a period of fasting for 40 days and atonement. It was a reflective period that many who were preparing for baptism would use this for purification. The period of time is still observed throughout the eastern orthodox faiths. And in the Roman Catholic Church this period of purification and enlightenment was moved to lent and still observed within the present time as part of the RCIA program that does use the tenants of the early church to bring people into the church. This was restructured this way after Vatican II.

In the 4th century, Advent, mimicking Lent seems to start to change a bit. Although it still was penitential in nature and was still a fasting period, it also started to become a period of preparation for the Second Coming of Christ. This tradition still is with us to this day. As we move though the present season of Advent, we use our advent wreath, we mark our salvation history. We then look to preparing for the Christ Child and then on to Christs second coming. We still have a dedication to prayer and penance in the present church.

Although its is difficult to pinpoint the true start of advent during this period of church history. It is generally believed there are it is a blend between the Roman customs and also the Gauls, or modern day France. There was a group of Celtic monks who help blend the period of fasting and borrowed the 40 days from Lent and added the feast of Martin of Tours on November 11th. Martin was the founder of the Gaul Monasteries

Celtic Advent is truly a blending of the two societies and the date of Nov 15-Christmas Eve was a perfect way to add pray and penance and atonement long before Christmas or the commercialism we face in the present dayfull line of Celtic Advent Wreath and traditional Advent wreaths ]]> http://www.artwoo.com/article/what-are-grace-periods http://www.artwoo.com/article/what-are-grace-periods#comments Wed, 08 Aug 2007 08:15:07 +0000 grace periodfinance chargeswhat this meansfinance chargecash advancesgrace periodscash advance http://www.artwoo.com/article/what-are-grace-periods cash advance rates and fees, annual fees for using the card, and the grace period that the company offers its customers. Understanding the grace period of your card is important because it can save you a lot of money over the long run.

In simple terms, the grace period that you are allowed is the number of days you have in order to pay your bill in full without incurring a finance charge. An example of this might be if the card company states you have 25 days from the statement date to pay your previous balance in full by the due date.

The statement date will always be given on the bill, and that is the date that you need to use when calculating the grace period.

What this means is that if you pay your balance by this date you will not have to pay additional finance charges. It is, simply, the cut off date or the deadline, if you wish, for paying the balance without incurring any additional finance charges.

You should understand that the number of days that a company allows as its grace period can vary from one company to another. For this reason, you should check all solicitations for the correct number of days.

It is also important to understand that in many cases there is no grace period for cash advances or for balance transfers. When this is the case, the interest charges begin immediately and you will have to pay those charges regardless of how fast you pay off the balance of the cash advance. For the most part, grace periods only apply to new purchases that you make with the card, so be careful about cash advances and know beforehand what the charge will be should you use that benefit.

Another issue that you should be aware of is when you carry over any part of your balance from the previous month. In some cases, and this varies from company to company, you may not have a grace period for those new purchases that you make. What this means is that you may be charged interest when you make a new purchase and this may be in addition to the interest that is being charged to the balance that was not paid off.

In order to learn how your credit card company treats grace periods, you should read their policy which will be on your bill. It is usually located in an area that is called "method of computing balance of purchases". Some of the terminology that is used in these sections can be somewhat confusing to many people. If you have any questions about how the charges are calculated or how the grace period works you can call and ask for guidance. It is much better to know than to not know. This way you can use the grace period to your advantage. Peter Kenny is a writer for The Thrifty Scot, please visit us at http://www.thriftyscot.co.uk/Credit-Cards/0-credit-cards.html and http://www.creditcards-gb.co.uk/balance transfers.html ]]> http://www.artwoo.com/article/begineers-guide-to-amortization http://www.artwoo.com/article/begineers-guide-to-amortization#comments Sat, 28 Oct 2006 20:27:10 +0000 amortizationinterest ratehome loancredit card billstime periodprincipleprincipal loan http://www.artwoo.com/article/begineers-guide-to-amortization amortization. Amortization in its simplest term means paying off your loan over a period of time. Amortization is pretty general and does not just relate to home loan or mortgages. It can be used to refer to your car loan, credit card bills etc.

The process of amortization is usually determining how much you need to pay for each payment over a set period of times. It is usually calculated by the loan amount, the time period in which you have to pay back, the amount per payment and the interest rate.

An example would illustrate the above point better.

Take for example you brought a house for $150,000, you pay a deposit of $20,000. So you are left with a home loan of $130,000. Suppose you found a lender who is willing to give you the loan that is for a period of 30 years with an annual interest rate of 7%

So how much would be your monthly payment?

First we divide the principle loan amount which is $130,000 with the time period in months. That would be 30 times 12 equals 360 months. You also need to factor in the interest rate of 7%. When you add up, the monthly payment would be around $870.00.

Besides calculating the monthly payments, for amortization loans, the interest payment is first deducted and then followed by your loan. However, it does not mean that the first payment is totally used to pay interest but rather parts of it.

Taking our previous example, the monthly payment of $870.00. About $760 will be used to repay interest while the rest ($110.00) is used to pay off your principle loan amount. For each subsequent monthly payment, the amount of interest paid is reduced. Eventually after as you approached the 30-year period, your interest paid would be minimum while the majority of your monthly payment goes towards repaying the principal loan.

Quite clearly as you can see, for each new loan you take out, the early monthly payments will be used to pay off the interest with only a small portion towards repaying your loan.

As you can see, amortization is quite a complicated matter. Most people would never be able to calculate the amount of interest and the amount that goes into repaying the principal loan per month. Thankfully, there are many free amortization calculators available on the internet. You can use them to calculate your monthly payment before deciding which loan to take. Your lender will also provide you with these information when you take a amortization loan. Ricky Lim works in a finance company specialising in Home Refinancing Loans. Visit his site for http://www.about-homeloan.com for countrywide home loans rates and free home loan calculator ]]> http://www.artwoo.com/article/could-i-be-pregnant http://www.artwoo.com/article/could-i-be-pregnant#comments Mon, 18 Sep 2006 02:27:35 +0000 sign of pregnancypregnantmaternity clothesunfortunatelybaby shower giftsfortunatelymissed period http://www.artwoo.com/article/could-i-be-pregnant pregnant. Even at just one month in the pregnancy, major changes are going on and your body will letting you know about them. Paying close attention to the early signs, you will be able to know if you are pregnant. Simple technology can tell you this information.

Of course, the first noticeable sign of pregnancy is the missed period. I found this information pregnancy site useful http://www.detailedpregnancy.com. Missing your period has always been the easiest way of knowing that you are expecting. Before running out to buy all the cute baby things, you should first look closely at your cycle. If you are lucky, you are very regular and know exactly when each period is supposed to start. Because of that regularity, these women can be fairly sure they are a month pregnant when they miss that period.

fortunately" rel="tag">Unfortunately, that is not the case for most women. Thousands of women are not regular and are worried every month that they may be pregnant because they never know when their period is supposed to start. Even in a regular woman, she may experience spotting as the egg implants making her think she has just had a lighter period than normal. This could cause the misconception that she is not pregnant when in reality she is a month along.

Obviously, the missed period is not the most reliable way to tell if you should be shopping for maternity clothes and registering for baby shower gifts. Fortunately, there are many other clues that will let you know if you are in that one month of pregnancy. Some clues you may have to look for while others will be blatant. Morning sickness could be an obvious sign of pregnancy even though it doesn't always happen in the morning.

More subtle clues could be a sudden change in tastes pertaining to beverages with caffeine or alcohol. Sometimes a women who is one month pregnant or earlier develops a slight queasiness after sipping a cup of coffee or a glass of wine. Again, this will vary in many women, so if you think there is a possibility that you are pregnant stay away from alcohol to prevent possible birth defects.

A more universal sign of early pregnancy is faintness and chronic fatigue. In this early stage of the first trimester, your body is working hard to build a new life making you crave sleep. This common hint that you are in your one month of pregnancy tends to also come back in the last three months as the baby experiences a burst of growth.

Moodiness could be another sign. However if that is the only sign, you probably wouldn't run to buy a pregnancy test. Paired together with tender breasts, this moodiness may well be telling you that you are one month pregnant. Of course you may experience one, none, or all of these symptoms. The best way to tell when you suspect that you may be one month pregnant is to take a pregnancy test. Melissa Core works on a regular basis for these urls: http://www.mywebsharing.com http://www.thejewelrydelivery.com ]]> http://www.artwoo.com/article/what-is-period-pain http://www.artwoo.com/article/what-is-period-pain#comments Sun, 21 Sep 2008 09:57:25 +0000 migraine headacheslining of the uterusperiod painnausea vomitingmedical establishmenttime of the monthmenstrual cycle http://www.artwoo.com/article/what-is-period-pain Period pain can be defined as cramping and soreness in the abdominal region during normal menstruation. The medical terminology for this condition is dysmenorrhoea. Almost 80 percent of all women will experience period pain during their reproductive years. The medical establishment divided period pain into two categories: Primary and Secondary. Primary dysmenorrhoea described the normal cramping and discomfort associated with the menstrual cycle. Secondary dysmenorrhoea is pain that has an underlying cause that is not typical in most women. Teens and young adult women most often experience primary period pain, whereas secondary period pain will affect older women, as they get closer to menopause.

What causes Period Pain?

Period pain is often times caused by the contractions of the uterus during that time of the month. These contractions begin at the end of a 28 to 30 day cycle to expel the lining of the uterus that accumulated to nourish a fertilized egg. If the egg is unfertilized, the lining sheds, thus beginning the female cycle. The contractions are caused by the release of the body's prostaglandins, a hormone produced by the lining of the womb. Period pain can happen with young girl's first period, but most often will occur several months later as the menstrual cycle regulates.

What are the symptoms of Painful Periods?

The symptoms of period pain can vary from woman to woman. Some women may experience a mild soreness in the abdominal region, while others can feel a radial pain that circles around the back and goes down the thighs. The most common type of pain associated with a woman's period is lower abdominal cramping. This pain can also spread to the lower back and the thighs. A few women with severe symptoms may have migraine headaches that are accompanied by nausea, vomiting, diarrhea, constipation or feeling faint. Pain that accompanies the onset of the cycle may dissipate in two to three days. Depending on severity, the pain could interfere with a woman's daily activities. This will only be true of 15% of women, who fall victim to a syndrome called PMDD, a serious form of PMS that needs to be evaluated by a doctor and treated pharmaceutically.

Will Painwave X4000 Help with Period Pain?

Yes! The amazing thing about the revolutionary new Painwave X4000 is that it is a non-invasive, drug-free method of relief that is effective in the treatment of period pain. Women who have tried over the counter pain killers or heating pads may find they like the immediate comfort they get from PainWave X4000. How does it work? Simple. The Painwave X4000 works in conjunction with the body's own bioelectromagnetic ecosystem. Painwave X4000 has no side effects, and the unit is simply moved gently over the surface of the skin in a small circular motion. After chronic use, the Painwave X4000 will stimulate improved blood circulation, cell activity and lymphatic function. These improvements are extremely beneficial in the relief of pain and other discomforts. In many cases, this stimulation will greatly reduce or eliminate pain fro good.

Note: The information contained on these pages is not meant to provide a tool for a self diagnosis. If you are experiencing severe period pain symptoms, seek the professional advice of a medical practitioner to rule out PMDD.

For further information, please visit http://www.painfreehealthcare.co.ukTo explore our range of pain relief solutions further, please visit our website at http://www.painfreehealthcare.co.uk.]]> http://www.artwoo.com/article/how-does-a-balloon-mortgage-work http://www.artwoo.com/article/how-does-a-balloon-mortgage-work#comments Wed, 21 Mar 2007 12:24:00 +0000 fixed rate mortgageballoon mortgageadjustable rate mortgagemortgage possibilitiesmortgage coststraditional mortgageballoon mortgages http://www.artwoo.com/article/how-does-a-balloon-mortgage-work mortgage possibilities are available, but a balloon mortgage may be the thing that you need to get moved in. Here are some things you need to know about balloon mortgages that will enable you to decide if this type of mortgage can help you.

A balloon mortgage is taken out for a 30-year period, like an ordinary mortgage, but paid back much sooner. These are often paid back in 5 or 7 years, but recently a 15-year option has become rather popular. At the end of this period of time, the mortgage becomes fully due - it must be paid off. Since most people cannot pay it off because the balance is still quite large, there is a guaranteed option of refinancing - at the market rate at the time.

This makes a balloon mortgage in some ways both like a fixed rate mortgage and an adjustable rate mortgage (ARM). It is like a fixed rate mortgage in that it has a fixed payment over a certain period of time. On the other hand, a balloon mortgage is like an ARM because the guaranteed level of interest goes to an unknown rate - to whatever the interest rate is when you refinance.

The monthly payment for a balloon mortgage is like the payment for a fixed rate mortgage because it is based on the whole period of the loan - for 30 years. All balloon mortgages are calculated on a 30-year time frame. The difference being that the full payment is due earlier.

The advantage of getting a balloon mortgage is that it enables you to get lower than traditional mortgage costs. Your payment will usually be a little less than if you had a regular mortgage. This also means two things, though. First, it means that you are not paying much more than interest in the brief time span of the loan; and this also means that you really are not building up much equity on the home during that time.

At the end of the specified time period, whether 5, 7, 15 years, or some other arrangement, you must pay off the balance of the mortgage. A balloon mortgage will be of more value to you if you are intending to sell the house before the balloon payment is due, or, plan to refinance. Refinancing, of course, means that you are forced to take a risk on whatever the new interest rates are at the time -- could be good or bad. There will be, in the initial contract, terms under which such a contract can be refinanced. This may be, however, non-negotiable. Which means, simply, that you are better off refinancing through another lending agency - in most cases.

A balloon mortgage works well with someone who knows that they may not be staying in an area for a long period of time. Another possibility is if you know you can take the balance of your lower payment, reinvest it in higher interest yielding products, and then pay off the balloon mortgage at the end of the term. Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.uk ]]> http://www.artwoo.com/article/the-four-types-of-federal-student-loan-consolidation http://www.artwoo.com/article/the-four-types-of-federal-student-loan-consolidation#comments Sun, 29 Oct 2006 22:27:03 +0000 student loan consolidationfederal student loan consolidationfederal student loanstudent loan paymentstudent consolidation loansstudent loansrepayment period http://www.artwoo.com/article/the-four-types-of-federal-student-loan-consolidation student loan consolidation from the U.S government.

Federal student loan consolidation plans are applicable for all students whether you are still in school or a recent graduate or already into your new career.

If you are successful in your student loan consolidation application, it will help you to reduce the student loan payment amount each month and/or allows you more time to pay off your student loans.

If you currently have several student loans, it is easier if you use federal student loan consolidation to consolidate them into one loan payment thus making it easier to manage.

The Four Types Of Federal Student Loan Consolidation

The U.S government in a bid to attract more students to take up their student consolidation loans have come up with four plans to suit the different needs of students.

They are :

* Standard Student Loan Consolidation

The maximum student loan period is 10 years and the payment amount per month is fixed. This type of plan is suitable for students who can afford to pay a fixed amount per month. The interest rate would not be a big factor in huge student consolidation loans

* Extended Payment Plan

This type of plan is similar to standard student loan consolidation except it has a longer repayment period of between 15 to 30 years. The repayment period is dependent on the student loan amount.

* Graduated Payment Plan

This type of plan is suitable for students still schooling and can only repay the student loan when they have a job after they graduated. The payment period is between 15 to 30 years. The payment amount per month usually starts low and increase steadily every 2 years. The intent is the as the student has worked for a longer period of time, their salary will increase accordingly and thus able to pay a larger repayment student loan.

* Income Contingent Payment Plan

This type of plan is complicated and is based on the student's income level over a period of years. It is also based on the family's annual gross income, other loan amounts owed, other assets, mortgages etc.

Most student usually choose graduated payment plan or the extended payment plan for their federal student loan consolidation. Ricky Lim works in a finance company specialising in direct student loan consolidation. Visit his site at http://www.about-studentloan.com for student loan consolidation rates ]]> http://www.artwoo.com/article/use-a-low-interest-credit-card-and-save http://www.artwoo.com/article/use-a-low-interest-credit-card-and-save#comments Mon, 04 Sep 2006 18:27:05 +0000 0 apr credit cardlow interest credit cardlow apr credit cardcredit card debtinterest credit cardsometimes a greatbig money http://www.artwoo.com/article/use-a-low-interest-credit-card-and-save
If you use your low interest credit card wisely you can save some big money by taking advantage of credit card transfers. With a balance transfer you can take advantage of initial low (teaser) rates that are offered by major credit card companies. Teaser rates are usually good for three to six months after you receive the card.

Rates can range from 0% to 9% and they are beneficial to people who have large debts on credit cards with higher interest rates. By transferring the balance from your existing high interest card to the low interest credit card, you will save big money on interest.

So how do you succeed at the balance transfer game? If you follow these steps and pay attention to the warnings, you can save a great deal of money in interest.

First, this is not for everyone. This strategy is for people who are reasonably sure they are going to pay off their total credit card debt within the introductory period. When you switch to your low interest credit card (also known as a 0 apr credit card or low apr credit card), the initial term is usually for six months. When that period is over, the interest rate will go up, sometimes a great deal. If you are able to pay your total credit card debt off within the initial period, the card will be very beneficial. However, if you are unable to clear the total debt within the introductory period, your monthly payments will increase. This can greatly reduce any benefits you would have gained during the initial period.

Second, shop around for your low interest credit card offer. Choose a card that waives transfer charges for balance transfers in the initial promotional period. Be sure to remember that most banks treat credit card transfers identical to cash advances. Also, the transfer may be subject to daily interest fees, which can add up quickly and often there is no grace period where interest isn't charged. The costs of transferring a large balance in these cases can be astronomical.

Always read the fine print when applying for a credit card. Be aware of the term 'flat balance transfer', which will cost you fees on all balance transfers. You must be knowledgeable of the cost of all balance transfers. If you find nothing on the credit card application, ask a banking representative if there are any flat balance transfer fees.

Next, take advantage of the credit card grace period. Transfer the balance on your high interest card to the low interest credit card before the payment due date that appears on your bill. Most credit card companies offer a grace period of between 25 and 30 days. After the due date, interest is charged on the outstanding balance. If you transfer the balance before the due date, you will save money on interest. Some credit card companies offer no grace period. In this case, you are charged interest from the moment you charge an item or from the day you transfer your balance. Do not apply for credit cards that do not offer a grace period.

Now that you have transferred your balance to the low interest credit card, you will begin to receive your monthly bill. Always pay before the due date and always pay more than the minimum payment, which is the lowest payment you can make if you wish to keep your card and your credit history in good standing. Why? Because minimum payments usually pay only the accrued interest or a portion of it. That means the principal remains at the same amount that it was before you made your payment. You will not be able to pay off your total credit card debt within the low interest introductory period. And that defeats the purpose of using the balance transfer strategy.

Balance transfer to a low interest credit card is a good short term strategy, but don't use it over an extended period of time. The key is to take advantage of the low interest introductory period to save a great deal of interest while you completely pay off your balance.

You, and only you, are responsible for your credit card debt. Use your low interest credit card wisely and it can save you hundreds or thousands of dollars each year. Thomas Erikson is co-founder of http://www.your-debt-consolidation-loan.com/ which provides http://www.your-debt-consolidation-loan.com/low-interest-credit-card.html information and solutions. ]]> http://www.artwoo.com/article/earliest-signs-of-pregnancy http://www.artwoo.com/article/earliest-signs-of-pregnancy#comments Mon, 26 Mar 2007 13:40:00 +0000 home pregnancy testssigns of early pregnancysymptoms of being pregnanthome pregnancy testmonthly periodurinateuterus http://www.artwoo.com/article/earliest-signs-of-pregnancy signs of early pregnancy are not always there for every woman, and each woman experiences her pregnancy differently than others.

* Missing a Period - This is one of the classic symptoms of being pregnant - missing a monthly period. If your monthly period is not regular, you may not notice it as soon as other women who get their period regularly. Many home pregnancy tests facilitate to women who have a regular period, though, and it can in some cases be a little misleading if you do not.

* Fatigue - Almost all women feel extreme tired during their first trimester, although no one is quite sure as to why this is. It is commonly thought, though, that the increase of hormones in the body is the main cause. B12 vitamins and natural, safe energy supplements would help perk you up, but check with a doctor first to see if you are pregnant, in case the supplement you hope to take would hurt your baby.

* Gagging Because of Odors - Often, pregnant women will feel a high sensitivity to certain smells - for example, the smell of a cup of coffee in the morning might make you feel so sick you can't stand to be in the same room as it. Even foods you used to enjoy may become repulsive and utterly disgusting to you.

* Got to Go Right Now - Having to urinate often is a very common symptom of being pregnant. Even before your uterus expands to accommodate a child, the amount of fluid rises in your body, causing you to feel the need to urinate more often. It is one of those symptoms that does not go away with most women until you have actually given birth, the reason for this is because the uterus expands and it presses against the bladder.

A home pregnancy test will almost always tell you for sure. But refrain from using one until a week after your missed period, though, because no matter what the box might say, it is likely not to give you a definitive answer if you use a pregnancy test too early.

If you do get a positive result, or believe you are pregnant, call your doctor and make an appointment to discuss what your options are, and what is best for you and the baby. Zhang Xiao Hong Visit our website at http://www.medicalinfopedia.com/ For lots more advice. Go direct ot our full articles on early signs of pregnancy http://www.medicalinfopedia.com/pregnancy-the-first-sings-to-look-for/7/ and http://www.medicalinfopedia.com/pregnancy-information-questions-answers-and-facts-about-your-pregnancy/11/ ]]> http://www.artwoo.com/article/before-applying-for-a-visa-credit-card-consider-the-following http://www.artwoo.com/article/before-applying-for-a-visa-credit-card-consider-the-following#comments Wed, 23 Aug 2006 04:27:19 +0000 visa credit cardapplying for a visacredit card companiesfrequent flyer milesintroductory periodbalance transferscards http://www.artwoo.com/article/before-applying-for-a-visa-credit-card-consider-the-following visa credit card means you should consider more things than just receiving a credit card. This is because there are many types of cards that have different incentives, bonuses, fees, and the like associated with them. So, you need to consider whether you need a visa credit card for your business, gas, frequent flyer miles, cash back, or your children. Whatever the reason you need a visa credit card, there is a card that will meet your needs and provide you with the credit you need. If you know what you want and need in a visa credit card before you begin applying, then you can simply apply for the cards that meet your needs.

There are some other things you will also need to keep in mind when applying for a visa credit card that include introductory APR, period of the intro APR, regular APR, balance transfers, annual fees, and the credit required for that particular card.

For instance, many credit card companies will promote their credit card with a low introductory APR. This means that the interest on the credit card is considerably lower, or free, for an introductory period of time and then it will change to the regular APR.

If you are considering applying for a card with a low introductory APR then make sure you know how long the introductory period lasts. This is very important and will affect the interest fees applied to your balance, so it is worth finding out before you get the card.

Also, if the introductory period APR is 3% and the regular APR is 20% then you probably want to simply skip this visa credit card or only use it during the introductory period. Make sure you evaluate the regular APR of the visa credit card while you are evaluating the introductory APR and the period of time it exists because these all go hand in hand.

Whether or not the visa credit card accepts balance transfers is also a question you will want to ask. If the card does accept balance transfers and has a low APR you can transfer your balances from other visa credit cards that have high APRs and save yourself money on interest rates.

You should also read the fine print regarding the visa credit card as well, especially the information regarding fees such as annul and over limit fees. You do not want a visa credit card with an annual fee because there are so many cards that do not charge these fees. Also, make sure you are aware of the fees associated with over limit and late payments so you know.

And finally, make sure you know the type of credit required for the cards you are applying for. If the cards require good to excellent credit and you have fair credit, then you will not be approved. This is because your credit score is used to determine whether or not you receive a credit card, and if you do not have the minimum score you will not receive it. Robert Michael is a writer for http://www.dellvisa.com which is an excellent place to find visa links, resources and articles. For more information go to: http://www.dellvisa.com ]]> http://www.artwoo.com/article/0-apr-credit-cards-a-smart-way-to-save http://www.artwoo.com/article/0-apr-credit-cards-a-smart-way-to-save#comments Tue, 31 Jul 2007 15:20:00 +0000 0 apr credit cards0 apr credit cardapr credit cardscredit card companiesapr credit cardcredit card optionsone step ahead http://www.artwoo.com/article/0-apr-credit-cards-a-smart-way-to-save credit card options available today, you can use plastic to pay off debt and save money. Using a credit card to get rid of debt, rather than rack it up, may sound strange. But it is possible with 0% APR credit cards. All of the major credit card companies offer 0% APR credit cards. They are a great way to save hundreds, even thousands, of dollars on interest. If you use them wisely, 0% APR credit cards will help you get one step ahead in the credit card world.

What 0% APR Credit Cards Are

APR stands for the annual percentage rate on your credit card. When credit card companies advertise 0% APR, they are giving you the chance to carry a balance on your card and not pay interest on it. The timeframe for this 0% APR is usually between six months and a year.

Some credit cards only include 0% APR on new purchases. Others offer the 0% interest rate for purchases and balance transfers. With the balance transfer option, you can shift the amount that you owe on a card with a high interest rate to the 0% APR credit card. If you pay off the balance within the introductory period, you will avoid paying high fees in interest.

The savings you'll receive from a 0% APR credit card can add up fast. Let's say you carry a balance of $2,000 on a credit card for a full year. If the interest rate is 20%, you will have to pay $400 in interest. This would not be the case with a 0% APR credit card. If the 0% introductory period is twelve months, you will avoid paying $400 in interest. That's a significant savings!

Read the Fine Print

While 0% APR credit cards offer a great way to pay off debts and save on interest, it is important to understand the details involved. Some companies issue the introductory period based on your credit score. If you have good to excellent credit, you will receive a longer introductory period than if you do not have outstanding credit. Keep in mind, however, that there will still be an end to the introductory period.

This is why it is also essential to look into the "go to" rate. This refers to the APR that will go into effect after the 0% APR introductory offer. This "go to" rate is often higher than other credit card offers. If you check into this before applying for a 0% APR credit card, you will know what is in store for you after the initial grace period.

There are sometimes additional fees involved with 0% APR credit cards. They may charge a certain amount to transfer balances on to the card. Also, the interest rate may be raised if you miss a payment. Some 0% APR credit cards are only available to those with good credit. If you have poor credit, you may be better off with a different credit card.

If you want to pay off some debt or make a large purchase, it is time to look into a 0% APR credit card. You can use the introductory period to pay off balances. Then take the money you'll save on interest expense and use it for other purchases. Apply today for a 0% APR credit card and start saving. To View 0% APR Credit Card Offers click the following link: http://www.credit-card-surplus.com/0-apr-credit-cards.php . Ed Vegliante runs http://www.credit-card-surplus.com , a directory helping consumers to compare and apply for credit cards. ]]> http://www.artwoo.com/article/southern-california-health-insurance-how-is-it-marketed http://www.artwoo.com/article/southern-california-health-insurance-how-is-it-marketed#comments Fri, 18 Aug 2006 16:27:07 +0000 individual health insurancehealth insurance providershealth insurance providergroup health insuranceadequate health insurancehealth insuranceshealth conditions http://www.artwoo.com/article/southern-california-health-insurance-how-is-it-marketed individual health insurance. Individuals who usually fall into this category include contractors, the self-employed, and/or employees of small businesses.

The individual health insurance and large group health insurance (policies that cover more than 50 employees) are medically underwritten, which unfortunately leads to some people having difficulty finding adequate health insurance since health insurance providers can deny coverage based on medical history. A medical underwriter will review your application, and if you are approved you may face a waiting period of at least a year from the date the individual health insurance becomes effective and six months from the date the group health insurances becomes effective for any pre-existing health conditions to be covered. There is good news, though. If you were previously insured and have not been uninsured for longer than 63 days, your new individual health insurance provider is required to apply your prior coverage time to the waiting period, and your new group health insurance provider is required to apply your prior coverage time to the waiting period if you have not been uninsured for more than 180 days.

Smaller group policies (policies that cover anywhere from 2-50 employees) have advantages over individual and larger group policies because it is required that health insurance coverage is guaranteed regardless of pre-existing health conditions. Small group health insurance providers can employ the same six-month waiting period for pre-existing health condition coverage as large group health insurance providers; however, they must also apply any prior coverage time to the waiting period.

Health care does not come cheap, especially if you do not have any health insurance at all. Check into the types of health insurance available to you and find the most affordable policy that best suits your coverage needs. http://www.myquoteguide.com/ Home Owners Insurance Car Insurance Quotes ]]>