Recycling is one of those things that’s rather easy to do and tragically Cheap John Elliott x Nike Vandal High Men's Black , often far easier to overlook. When it comes to people and their cell phones, it’s often completely forgettable. In fact, only about 7% of Americans recycle their old mobile phones. This is a sad American attitude. What happens when a cell phone’s done? It’s done right? The sad tragedy is that this puts unnecessary (and increasingly unbearable) stress on our already abused environment and people are missing out on a great opportunity to earn a little extra side coin. Phone recycling is something that anybody can do and everybody should do and simply put, needs to be done.


What’s in it for me? How do I make money? There are several options. What a lot of people do is go dumpster diving for old cell phones and turn them over to the companies that can safely handle the raw materials that make up phones. Through surface mining, companies are able to skim the phones for their valuable elements (gold Cheap John Elliott x Nike Vandal High Men's White , silver, titanium) and utilize the remaining waste to make other phones which can then be resold to developing countries. The other option is to advertise for other companies via their affiliate programs.


How does mobile phone recycling help the environment? For those with a green conscience, it’s pretty easy to see the eco-benefits. First, harmful battery materials do not leech themselves into the ecosystem, materials that include lead and mercury. Second Cheap Nike Hyperadapt 1.0 JP Men's Black White , waste is reduced very significantly, on most occasions, to around less than one percent. Finally, the precious minerals like gold and silver no longer have to be mined, which is becoming an increasingly hard Cheap Nike Hyperadapt 1.0 Men's White , dangerous, and expensive process.


Being able to make money and save the environment (a task that’s never quite done) is the one of the best win-win situations and it is a rare find. Sprinkling the ease on top makes mobile phone recycling one of the best industries in action right now, economically resilient and never done.


This Author is a huge fan of Phone Recycling

Use Real Estate Loans To Finance A Commercial or Residential Property

Posted by nick_niesen on October 29th, 2010


Real estate is one of the most lucrative investment options. Besides using it for investing, people acquire real estate to have a comfortable and sprawling residence. Real estate is also used to further a person聮s business and commercial interests. Although enticing Cheap Nike Air More Money Men's British Pound Grey , buying a desired real estate is beyond the financial capabilities of most of us. Without the real estate loans to finance the purchase, the dream of owning the real estate would essentially remain unfulfilled.


Real estate loans can be taken to purchase a commercial property or a residential one. Commercial real estate loan can be taken for properties like guesthouses, hotels, restaurants, pubs Cheap Nike Air More Money "French Euro" Men's Navy , shops, nursing homes, warehouses, industrial facilities and leisure resorts etc. Residential real estates loans can be taken for the purchase of mansions, bungalows Cheap Nike Zoom Fly Men's Neutral Indigo , farmhouses, apartments and other dwellings.


">Real Estate Loans use the property in consideration as the collateral. It means that the borrower has legally agreed to put the real estate as the security for the loan. The lender will be holding the title deed of the real estate with him and the borrower gets it only after he has repaid the entire loan with interest. If under any circumstances the borrower is not able to keep up with the repayment schedule, the lender is free to sell the real estate and recover his amount.


Real estate loans are available for huge amounts. Residential real estate loans can range from £25000 to £100000 and upwards. The commercial real estate loans are capable of funding real estate purchases up to £1000000. Lending amount is restricted by the value of real estate, the repayment capacity of the borrower and his credit history. The APR聮s (Annual Percentage Rates) on real estate loans range from 6% to 20%. A borrower has the option to choose between a fixed rate and a floating rate interest regime. The real estate loans can be repaid in 30 years. However, the borrower can choose a repayment period of 25 Cheap Nike Zoom Fly Sepia Men's Stone , 20, 15 or 10 years. The shorter the repayment period for the real estate loan the lower will be the loan cost. However, the monthly installments towards the repayment will become higher as the repayment term decreases.


Lenders require that the borrower should contribute some percent of the entire value of the real estate. This is known as down payment. Lenders prefer if the borrower is able to put at least 20 % of the total value as the down payment. The balance of the real estate loan will be divided in equal monthly installments according to the repayment term. Paying a higher down payment will result in a smaller loan amount and smaller monthly installments.


Applying for a real estate loan becomes very simple if the online method is used. Online lenders do not have any application fee as compared to regular lenders. In addition to this the online application process is streamlined and does not require hefty documentation. The variety of real estate loans and their repayment options can be easily researched by using the lenders websites.


Whether a borrower gets the best or not on his real estate loan will depend on how carefully he chooses his lender. Since, a real estate loan is a long-term commitment to repay a substantially high amount, any hidden clause or fine print that threatens to drive things in the favor of lender can be detrimental to the borrower聮s interest. To remedy such a situation a borrower must hire a competent real estate attorney and scrutinize the fine prints carefully. Thus Cheap Nike Odyssey React Desert Sand Sail Women's Pink , by negotiating the best deal a person can get the right real estate loan to finance his dreams.

Wet High Intensity Magnetic Separators (WHIMS) Market Size, Share, Growth, Stra. [url=http://www.cheapnhljerseyshockey.com/]Cheap Authentic Jerse