Don’t borrow unless you need to

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By Samuel Edem Maitum The saying “if it is not broken, do not fix it” is sound advice for the timing of interventions in life, business, and finance. As a philosophy, it is about efficiency. I was thinking about the simplicity of this maxim, and how it could have saved many a dream from eventual ruin while looking back at several applications for loans that I have reviewed over the last