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American Express is one of the well-known card providers that offer low APR. The introductory is 0% APR up to 15 months on some cards, and includes low balance transfer APR. The transfer is 3.99% fixed rates for life on few American Express cards. Few cards offer free reward programs enabling the cardholder to earn points and redeem the points for products, travel, hotels and so forth. Many of the cards offered have no annual fees. More at American Express and Credit Cards
Compost is organic matter that has been decomposed and recycled as a fertilizer and soil amendment. Compost is a key ingredient in organic farming. At the simplest level, the process of composting simply requires making a heap of wetted organic matter (leaves, "green" food waste) and waiting for the materials to break down into humus after a period of weeks or months.
Modern, methodical composting is a multi-step, closely monitored process with measured inputs of water, air, and carbon- and nitrogen-rich materials. The decomposition process is aided by shredding the plant matter, adding water and ensuring proper aeration by regularly turning the mixture. Worms and fungi further break up the material. Aerobic bacteria manage the chemical process by converting the inputs into heat, carbon dioxide and ammonium. The ammonium is further converted by bacteria into plant-nourishing nitrites and nitrates through the process of nitrification.
Compost can be rich in nutrients. It is used in gardens, landscaping, horticulture, and agriculture. The compost itself is beneficial for the land in many ways, including as a soil conditioner, a fertilizer, addition of vital humus or humic acids, and as a natural pesticide for soil.
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