You can use Microsoft Excel to calculate the loan-to-value ratio if you have the mortgage amount and the appraised value of a home. The loan-to-value ratio determines the risk of a loan, the amount that the loan would cost a borrower and whether the borrower should also purchase a private mortgage insurance policy. The […]

  Entrepreneurship nowadays is no longer an easy trick that can be done by anyone like a real circus artist and a magician who has a head on his shoulders and sufficient logical thinking that can produce all the ideas needed for business activity and plan all the processes for a business to succeed. Today […]

Cash as a means of payment for the holidays is getting riskier. The thieves are lurking everywhere and devising more and more sophisticated tactics to help the locals and guests around their bar. Purses with badges and credit cards are often thrown into the next bin after clearing out the cash. Cash can be valued […]

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  Banks are considered to be the safest place to store money. The saying “safe as a bank” is not in vain, but how much does it correspond to the truth in today’s economic situation and technological age? Is our money in banks really more secure than ourselves? By depositing money with the bank, we […]