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What do you do when you come to a point where you have a lot of debt which need to be cleared each month, but the interest rates are extremely high? Sometimes, people do not pay off the debt is because of the hefty charges and interest which eventually leads to bankruptcy. Nevertheless, bankruptcy is not always a good thing, thus, debt repayment is a must to avoid bankruptcy. Some of us may argue that our installments are merely enough to cover the high interest rate charged by the financial institution, but in fact, there is a way to reduce debt as well as the interest rate we are getting.

If you think you have what it takes to run your own business, then you are probably one of the future entrepreneurs to be. However, there are a few things that you should learn about before taking the next step into realizing your dream. Today’s market has been more challenging than ever, with corporate companies enhancing their influence towards the community, thus making it difficult for small and medium businesses to rise as competitor.

For short term forecasting methods it looks no different for Q4, however with the new financial year not so far away many companies are now looking at forecasts for 2009-10- will you do anything different this financial year? Normally there are two key financial statements in the forecasting process these are the cash flow forecast (and) the statement of changes in a financial position. Here is an example of what a Manager may be looking at when considering a conservative approach to financial forecasting.

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