How do i know if my penalty points are gone off my licence

let me guess
humm
nope-- no idea
well what do you expect as an answer when you can't be bothered to name the state , country or where you are
you would have received traffic infringement notices telling how many point for each offence so you already know

You will find no penalties for prepaying the loan. Early repayment of loan should never be needed, but when you decide to pre-pay, there's no penalty for you.

Call your local police dept or dept of motorvehicles.

The strategy is to purposely take all the penalty cards on one deal, which improves your score by 26 points. But if you cannot get every single penalty card, it hurts your score - by as many as 25 points.

There's a good explanation over here:- http://en.wikipedia.org/wiki/Hearts#Shooting_the_moon

What do you want to do?

There are two types of penalties regarding crossing lines at fencing. One is crossing the lateral boundary with one or both foot results in the loss of 1 meter distance. Two is crossing one's own end of the strip with both feet results in a point being awarded to the opponent.

the penalty for this action is one warning, one point penalty thereafter.

Either look at the auxillary light, courtesy light, maybe dome light fuses. Good luck. Please rate my answer so I get points for it.