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Specialists in luxury real estate financing from $1 Million up to $20 Million


 SUPER JUMBO up to 80% LTV/up to 89.9% CLTV pc.  Stated Income Alt. programs Primary, 2nd


 High Net Worth – special lending programs  NO DOC up to 50% LTV/60% CLTV  Foreign National loans up to 70% LTV/ 75% CLTV


Commercial and Asset Loans (many programs nationwide)  Const./ Const. Completion 90% LTV to $250 Million 4.875%  Professional Office Buildings & Warehouse 80% LTV 4.75%  Stock Loans, Jet Aircraft & Yacht Loans, Gems, Art, etc.


We also offer 95% No PMI Conv., FHA, VA Jumbo and many other lending programs


Steve McRory Prior Service U.S. Marines


888-662-4404 Email: steve@pro-option.com Website: www.pro-option.com


NMLS# 204296 Homes, Invest. Prop.


PLANT-BASED COMPOSTABLE TOOTHBRUSH


Every year in the United States some 450 million plastic toothbrushes make their way to landfills nationally. The majority of those toothbrushes will never biodegrade and will remain for decades. To reduce those stag- gering numbers, a company known for cre- ating a long line of compostable products made from plants not petroleum, is launch- ing the first compostable toothbrush in the United States.


World Centric has unveiled a line of com- postable toothbrushes and travel cases that are made from a plant based resin called In- geo. The toothbrush and case are certified compostable by the Biodegradable Products Institute (BPI). They are also more environ- mentally friendly, having a smaller carbon footprint because Ingeo takes less energy to produce than petroleum based plastic resins.


The World Centric toothbrush is designed to fully com- post within 3 to 6 six months when sent to a commercial composting facility. Simply throwing the World Centric toothbrush and case away and off to the landfill will not


allow it to biodegrade. Landfills are creat- ed to avoid degradation and will not break down the toothbrushes. So, for those cus- tomers who don't have access to a com- mercial composting facility in their area, World Centric will even provide a prepaid envelope that customers can use return the toothbrush and case. World Centric will then send the returned product to a com- posting facility for biodegradation.


The soft bristles of the toothbrush are made of nylon but are not compostable - the industry is still working to come up with bristles that are fully compostable. A handy notch between the head and the handle of the toothbrush is designed to make it easy to break off the head prior


to sending it to the composting facility. The 7-inch World Centric toothbrush and case comes in blue, green and orange and sells for $4.55. They are available at natural grocery stores, some Whole Foods stores nationwide and online at: www.worldcentric.org


FOCUS of SWFL 2012 141


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