Hank knew better. But his little grandson ECCO Rugged Track Gtx Moc Tie Mocha Australia , Steven, was so persuasive, and even though he was only eight years old, he was darned good at driving an ATV.

What harm could there be in letting the little rascal drive himself and his sister two miles back to the barn while Hank followed in the pickup? It was a remote road, and Steven promised to drive slowly.

It all would have worked out perfectly ECCO Transit Slip On Moon Rock Australia , except that Steven was too small to see over the rise as he approached the intersection. He never saw the car that struck the ATV, sending him and his sister to the hospital.

No one died in that collision, but Hank "died a thousand deaths" as he watched it happen.

Today, about seven million people ride ATVs for work and pleasure in the U.S. Each year, over 125 ECCO Classic Moc 2.0 Loafer Mink Australia ,000 injuries requiring emergency room treatment happen to people riding ATVs.

In recent years, ATV-related deaths exceeded 700 annually. About 25 percent of the deaths occur to children under age 16.

Riding Tips

ATVs are good for sport and work, but they are used on terrain that can be unforgiving, like tree roots and rocks. Here are a few tips to keep you safe:

* Before taking your first ride, enroll in a sanctioned rider training course. Call the ATV Safety Institute at 800-887-2887 for details.

* Read and follow the owner's manual and warning labels.

* Inspect the mechanical condition of the ATV before riding.

* Practice in a safe area before driving on more difficult terrain.

* ATVs are intended for off-road use only. Never operate one on public roads or paved surfaces.

* Do not carry passengers.

* Never ride when tired ECCO Mens Soft 7 Slip On Black Australia , or under the influence of alcohol or drugs, prescription or otherwise.

* Use existing trails if possible.

* Do not operate the ATV at excessive speeds.

* Never ride beyond the limit of your visibility.

* Be alert for hidden wires.

* If a hill looks too steep to climb, it probably is.

* Ride only where you have permission to ride.

* Avoid three-wheeled ATVs, which are not made anymore.

Dress The Part

* To ride safely, you should dress safely. Anytime you jump on your ATV ECCO Track 6 Gtx Plain Toe Lo Black Australia , you should be wearing:

-A motorcycle helmet approved by the Department of Transportation. This is your most important piece of protective gear.

-Goggles or face shield.

-Boots. Over-the-calf style with low heels to keep your feet from slipping off the footrests.

-Off-highway style gloves padded over the knuckles.
-Long pants.
-A long-sleeved shirt or jacket.

Young Riders

Young people have a natural affinity for ATVs. They are small, fast, and look like great fun. When they are used properly, they are safe. At which age children should begin riding them depends on training and judgment. Before turning a young person loose on an ATV:

* Ask yourself if your child is strong enough and mature enough to operate an ATV.

* If the answer to both is yes, you must match your child to the proper size ATV. For instance ECCO Jeremy Brogue Tie Titanium Australia , kids under the age of 16 should not operate an adult-sized ATV. Discuss this with your dealer. As a basic rule, kids:

-6 years to 12 years should drive an engine under 70 cc.

-12 years to 16 years - from 70 to 90 cc.

* Enroll your child in a special, hands-on training course, and take the course yourself. Call the 800 number above for details.

* To be an effective coach and overseer, you must be familiar with the ATV. Your best source of information is the owner's manual. Review it with your child.

* To be sure your child knows the workings of his or her ATV:

-Have them show you the location of the parking brake ECCO Rugged Track Gtx High Boots Black Australia , brakes, throttle control lever, engine stop switch, and shift lever (if equipped).

-Have them show you how the controls work.

-Ask them to operate the controls as if they are riding. And do it without looking at the controls.

-In short, be convinced your child can safely operate the ATV!

* Supervise your child's operation of the ATV at all times.
Finance > CreditPoor Credit Mortgage Refinance - Refinancing Your Home After Your Credit Score Has Dropped

Posted by nick_niesen in Finance on October 29th ECCO Men Xpedition Iii Mid Gtx Boots Camel Australia , 2010


You can still refinance with bad credit, but you will need to shop around. Each refinance application is looked at on an individual basis. So even if you have bad credit, other factors could qualify you for a low interest rate. However, if you don聮t apply, you will never know.


Reasons To Refinance


If you bought your home with good credit ECCO Johannesburg Gtx Boots Black Australia , you probably found reasonable rates. But you still may be able to lower your rates by refinancing. You can also lock in rates by converting to a fixed rate mortgage.


You can also lower your payments by extending the terms of your loan. You may also choose to tap into your equity through a cash-out mortgage. You can use your equity to pay off bills while writing off the interest on your taxes.


Qualifying For Refinancing


Just because you have poor credit, doesn聮t mean you can聮t qualify for refinancing. You can still use a conventional lender even if you have missed a couple of payments. And if you have sufficient equity, most lenders will look at your application.


The government also offers programs if you have made on time payments on your mortgage. With the FHA聮s streamlined mortgage and the VA聮s IRRL, as long as you are reducing your interest rates, you can refinance. Most mortgage lenders handle these types of loans.


Strategies For Refinancing


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