2008 is showing all of the hallmarks of being a difficult year financially, and for this reason, having control over your cash flow is absolutely vital. Managing stocks in an economic crisis is one of the best possible defenses that you can take during the credit crunch. By monitoring the liquidity of your cash flow at the earliest stages, you will have better luck in managing stock levels and inventory control. The first sign of problems is a reduction in your net profits. The last possible sign of problems is when you hit a severe deficiency in cash flow.

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Indonesia Travel Mart

Lombok ready to welcome a new edition of TIME Pasar Wisata

Friendly faces from Pasar Wisata 2009 team in Lombok / Photo by Luc Citrinot

By by Luc Citrinot, eTN | Aug 09, 2010

(eTN) – Rumors abounded for many weeks in Indonesia’s travel world that TIME Pasar Wisata, Indonesia’s premier travel show for the trade, could be cancelled due to a lack of funds from the Province of West Nusa Tenggara, where Lombok is located.

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Disgruntled credit cardholders have long been grumbling about ridiculous $39 late fees and arbitrary interest rate hikes. But before you go ballistic on your credit card issuer in a way even Steven Slater could be proud of, it might bring some peace of mind to know the final stage of the CARD Act just kicked in to ease harsh credit card penalties and issuer abuses.

Know the following changes to save some money and maybe your sanity too.

1. Late Payments. No more late fees as high as $39. Issuers can’t charge more than $25 for a first-time late payment. I

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Retrain your Brain –

If you deprive yourself of the things that bring you pleasure, you are going to have trouble saving money. Retrain your brain by visualizing a future that is more fulfilling, like credit card bills that are smaller, and higher savings account balances to give yourself a sense of purpose with your saving.

Choose Your Extravagances –

Choose the extravagances that you can do without, and the ones that you can occasionally take advantage of. Eat out once every week, but give up extended cable television and TiVo.

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