The Science and Production of Rubber Bracelets

These describe the very familiar yet very trendy rubber bracelets. Coming in all colors and in various designs, these lightweight accessories always steal the show and have widely been used by different organizations for promoting a product or for pushing an advocacy.

How are these fancy bracelets made, and what makes them stand out among other types of bracelets and wristbands?

The Rubber bracelets that are sold ready-to-wear or customizable are formed from synthetic chemicals called elastomers. A few examples of elastomers are butyl rubber, which is often used in gloves and masks, and silicone rubber, which is used in cooking and baking products.

Rubber Bracelets

One way of imagining elastomers is that, at the microscopic level, the elastomer molecules look like a mess of tangled spaghetti noodles. What makes these spaghetti noodles special is that when you apply stress, for example by stretching the rubber, the noodles straighten out and stretch also. But, when the stretching stops, they return to their original arrangement unaltered (unless the stress was too much for the elastomer to handle.)

This is the reason why rubber bracelets are very flexible! You can’t do the same to bracelets made from leather or stainless steel. Also, the spaghetti noodles are so tight together, water can’t even pass through it and water won’t damage the elastomer. This property makes it safe to swim or wash while wearing the bracelets.

Before processing, the elastomer is a solid from which dyes are added with heat to form rubber of various colors. Afterwards, when the elastomer returns to a solid form, strips or tubes of varying thicknesses are cut. The dimensions of the cut strips or tubes depend on the mold that will be used later. The tubes are then placed into machines to undergo a technique called compression molding? this method uses high temperature and pressure to liquefy the elastomer and squeeze it to fit a mold.

The mold is the reason why the elastomer takes the familiar shape of the bracelets. The mold is adjusted for a specific size, but the usual is that the bracelets are 1 inch across the solid portion and 7 to 8.5 inches for the inside circumference. The technique of compression molding could also be used to form boots and other rubber materials! It is also possible to form bracelets of multiple colors or with swirling patterns when more than one color of elastomer is used.

While compression molding is a very interesting and creative process, it does not tell the complete story. It forms the shape of the rubber bracelets, but compression molding does not explain how letters, shapes or paint are added to customized bracelets. There are four main methods used to customize the bracelets: debussing, embossing, color debussing and screen printing.  Debussing is a method where a client purchases letters (which can form a patter containing words or a sentence) to be placed on the bracelet. The mold used in the compression molding process is altered so that the final bracelet contains depressions that showcase the pattern.

Embossing is a similar procedure, but instead of altering the mold so that the pattern is depressed on the bracelet, the pattern is instead protruding from the bracelet. We can take debussing a step further and color the depressions with paint. This method called color debussing is a sure way to make the letters in the mold pattern pop! However, some clients want to retain the classic smooth shape of the bracelet. A method called screen printing uses a silk-screen to color in a pattern directly on the bracelet. This last method is easy and can also be used to print on the inner side of the bracelet.

Customization is easy, affordable and fun! The availability and price of customization to clients interested in promotion or advocacy makes rubber bracelets stand out from the many other types of bracelets in the market.

A Crash Course in Long Island Loan Modification

Before you go any further and say to yourself that you need a Long Island loan modification, you need to know a few simple facts about the same. This article will discuss the, what why and how of loan modification. The purpose is to provide you with a working knowledge so as to provide you with realistic expectations.

What is Long Island loan modification?

lawLoan modification is the act of making substantial alterations to an existing contract of loan. Substantial alteration refers to anything other than correcting clerical errors. Modification usually refers to a change in the principal amount, interest rate, terms and conditions, payment period, and the like. For example:

Changing the number of instalment payments from 120 to 360.

  • Changing interest rate from 11% to 9%
  • Adding an acceleration clause in case of default
  • Decreasing the total principal amount payable
Why Apply for Long Island loan modification?

It can be for several reasons. The most likely scenario is, you want to pay lower amortizations in the long run, and you want the bank to consider halting lump sum payments or charging penalties.

This is the tricky part. How do you know that you are getting a better deal? The simple answer is, if you end up making less total payments, then you negotiated properly. If you end up paying more, then you screwed up.

There is also the issue of predictability of loan terms. Tale for example, adjustable rate mortgages (ARM). An ARM loan allows you to pay extremely low interest rates for the initial fixed period of the loan. The problem is, after that fixed period expires, say 3 to 5 years, then your interest payment has to be recomputed. Lenders try to tell you that the interest rate can go higher or lower depending on the situation.

Realistically speaking though, the cards are stacked against you. In most cases your interest rate will jump higher than your initial fixed rate. Worst, the interest rate gets recomputed on specific intervals as stated in the contract of loan. Granted, per re-computation there is a percentage of increase cap. There is also a lifetime cap.

How to Perform Long Island loan modification

The first thing you do is gather your loan documents. If you lost your copy or where not given a copy, call your lender. If you were not given a copy, take note of the same and again call your lender.

Second, you should realize why you are asking for a loan modification? Where you in financial distress? Are you more financially stable now? Do you wish to make a lump sum payment so as to minimize the payment term and minimize interest paid, etc.

Third, look at your finance. Make sure you know how much income you make and how much expenses you incur. How much do you save up each month? How much is in your savings account?

Fourth, pull out a credit report and score. It is preferable that you apply for a loan modification if your credit score now is better than it was when you where approved for the loan. It is best to have excellent credit ratings.

Fifth, find out if you fall under government mandated/regulated loan modification programs. You can ask your lender about this and ask for the requirements for the same.

Sixth, Schedule a meeting with your lender. You want to meet face to face and discuss the possibility of loan modification, as well as your options regarding the same.

In Closing

If there is anything you so not understand, ask your lender to explain it to you in detail. Ask for a written copy of the explanation. Keep this copy as part of your record.