By sending in extra money each month or making an extra payment at the end of the year, you can accelerate the process of paying off the loan. When you send extra money, be sure to indicate that the excess payment is to be applied to the principal. Most lenders allow loan prepayment, though you may have to pay a prepayment penalty to do so. Ask your lender for details.
Compost piles trap heat generated by the activity of millions of microorganisms. A 3-foot by 3-foot by 3-foot compost pile is considered a minimum size for hot, fast composting. Piles wider or taller than 5 feet don’t allow enough air to reach the microorganisms at the center.