Cristie

Are Pawnshops Under the BSP?

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Regulations for Pawnshops by the Bangko Sentral ng Pilipinas The Bangko Sentral ng Pilipinas (BSP) regulates pawnshops. Presidential Decree 114 and Central Bank Circular No. 374 outline regulations for pawnshop operations. The BSP authorizes pawnshops to lend money but not accept deposits. Pawnshops must submit financial reports regularly. The BSP requires minimum paid-up capital of … Read more

Is It Worth Becoming a Chef?

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Is Being a Chef a Successful Career? Yes, with passion and skill development, chefs can find career success. Salaries depend on experience, specialization, and location. More experience, refined skills, personalized services, and cooking classes increase income. Higher salaries exist in cities like New York and Switzerland. Becoming a celebrity chef is unlikely. With experience, advancement … Read more

Whats the Difference Between Cash Flow and Noi?

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Net Operating Income (NOI) and Cash Flow Net operating income is the revenue from a property minus recurring operating expenses. Cash flow is net operating income minus debt service, depreciation, income tax, etc. Net cash flow tells you how much operating cash moves in and out for a given period of time. Net income includes … Read more

What Are the 8 ASE Tests?

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ASE Certification Overview ASE has offered certification tests since 1972. Today, we offer much more than just certification tests. To achieve ASE Master Automobile Technician status, you must achieve certification in all tests A1 through A8 in the Automobile & Light Truck, A Series. ASE Certification Process In order to attain ASE Certification, technicians must … Read more

Is Big Apple Bagel a Franchise?

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Big Apple Bagels Franchise Information Investment Details: Initial Investment: $298,000-$405,000 Initial Franchise Fee: $25,000 Royalty Fee: 5% Advertising Fee: 3% Term of Agreement: 10 years Big Apple Bagels Franchise Overview Big Apple Bagels is an American franchised chain of bakery-cafes offering coffee and related products under three different brands: Big Apple Bagels, Brewster’s Coffee, and … Read more