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Plain Green Loans . Loan Scheme [link widoczny dla zalogowanych] 1. A two-part construction: older versions of electronic cigarettes had multiple pieces, which is very undesirable for several reasons. The parts could easily be lost, at times it might be really difficult to find the parts when you need them, you might not succeed at putting it back together in the right way. Two pieces is the most desirable. The main part of the cigarette holds the battery. The cartridge that contains the liquid fits into the battery. Change of cartridge is a simple, fast and easy task to do. Low expenses are particularly advantageous for bond funds given how low yields have dropped. Bond investors are getting relatively little interest income, but lower fees mean they can keep a larger portion of that. The 10-year Treasury note has a yield of 2.55%, for example. That's down from 3.36% five years ago and 4.76% a decade ago.