The Financial Minute is sponsored by SSB Financial Services located at Shelby State Bank, with offices in Shelby, Hart, Pentwater, Ludington, Manistee, Hesperia, North Muskegon and Fruitport. www.ssbfinancialservices.com Ancient Chinese merchants are said to have developed a unique way to reduce their risk. They would divide their shipments among several different vessels. That way, if one ship were to sink…