After brewing coffee, coffee grounds are often tossed into the trash bin. Most people regard the group of squeezed coffee beans as worthless items. Coffee grounds are a fabulous source of organic matter right at your fingertips. In compost jargon, coffee grounds are a "green," meaning an item that is rich in nitrogen (yes, I know coffee grounds are brown. In your compost, they're green. Trust me.) Coffee grounds are approximately 1.45% nitrogen. They also contain magnesium, calcium, potassium, and other trace minerals. 
[/caption] You can put the nitrogen rich grounds in your compost bin, or you can add it directly to your garden. The acidity of the grounds when placed on the surface of soil repels insects and pests so it kind of acts like an insecticidal mulch. The best thing about these rich coffee grounds is that they are absolutely free. If you don't ask for them, they're probably going to end up in the coffee shop's trash bags, making them heavier to carry after a long day. So you're kind of doing them a favor. I was ordering coffee from Caribou Coffee at Qurtuba co op, and when I asked for their coffee grounds, they happily emptied their machines and gave me their grounds of the day. You can ask for grounds anywhere fresh coffee is brewed. Gardeners all over the world swear by Starbucks' grounds, I'll be trying them soon. 
[/caption] You can put the nitrogen rich grounds in your compost bin, or you can add it directly to your garden. The acidity of the grounds when placed on the surface of soil repels insects and pests so it kind of acts like an insecticidal mulch. The best thing about these rich coffee grounds is that they are absolutely free. If you don't ask for them, they're probably going to end up in the coffee shop's trash bags, making them heavier to carry after a long day. So you're kind of doing them a favor. I was ordering coffee from Caribou Coffee at Qurtuba co op, and when I asked for their coffee grounds, they happily emptied their machines and gave me their grounds of the day. You can ask for grounds anywhere fresh coffee is brewed. Gardeners all over the world swear by Starbucks' grounds, I'll be trying them soon. 
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Loan restructuring – the lender’s actions to change the terms of the loan repayment. These actions are primarily aimed at facilitating debt service. The most common type of restructuring is the prolongation of the loan, in some cases, banks go to reduce the interest rate on loans issued. Most often, borrowers apply to the bank for mortgage restructuring. If you roll over your mortgage, your monthly payment will be decreased, but by increasing the length of your loan, your total interest payments will be higher. As a result, the total amount of payments on the restructured loan will be higher than it would have been without the restructuring.
If the client wants to restructure his loan, but the bank for some reason does not agree to it, he can try to refinance it at another bank. Some banks refinance loans made by other credit institutions.
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