The important thing to consider in the process of buying a used car is to assess in detail your transportation needs. Here are some considerations that you can apply:

1. Calculate how much the financial ability to buy a car, including down payment and monthly payments when the loan, the safest is to first determine how large the financial ability to pay monthly installments. The easy way is to specify the installment must be no more than 20% of income per month after a cut in spending. Also calculated the cost of care, taxes, insurance and operating costs.

Pay your deposit at least 10% of the price of the car. Less than that, the credit provider will doubt your financial capabilities. So if you have cash money, a better use for a down payment. This step will also reduce the principal debt burden associated with monthly installments.

2. Destination buy a car

Determine the type of car that will be purchased based on usage. For example when used to pick up school children then choose a car that offers space relief. Or when used for transportation purposes, choose a comfortable working and fuel economy. Your lifestyle also plays a role determining the type of car that will be purchased.

3. Determine the features that should exist,

Write down all the lists. including safety features like ABS brakes, airbags, child door locks, air conditioners, various kinds of power, CD charger and others.

4. Open the hood

Notice if there is a leaky pipe, a worn belt, oil is dropping.

5. Analysis of pros and cons of car you want

You can get information from friends who had used the car targeted. Find out as much as of their respective brands including Resale value, performance, service improvement and pricing / availability components. From there you can decide which car is really appropriate.

6. Make sure you know the history of this car including maintenance.

Must be remembered, bought a used car is buying someone else problem. This can be known from one car care card. Dig up as much detail as possible including if ever drowning, accidents, etc. down the machine. Before deciding to buy it, ask an expert mechanic to check it out.

7. Test drive

Make sure you get a chance to test drive as far as possible with different variations of the road. Can also try the area where the car will be frequently used. Sit in the driver’s seat, and check if all the indicators work well, as well as indicator lights. Also check for signs of water damage.

Check the safety system, ranging from seat belts, head restrain, roof structure, child seat anchors. Similarly, sight distance and transmit power main lights. This can be done during a test drive. Try to drive at a speed of 60 to 80 km / h and felt if the replacement teeth can be smooth, the steering is always straight, remained stable when braking and when cornering is also smooth.

Be careful with odometer fraud. This is often done by rogue sellers who want to increase the value of cars it sells. So do not be fooled by the numbers indicated on the odometer.

8. The mind must be kept cool.

Leave a seller if the price offered is too high, even if your dream car is waiting. Ability of your negotiations will be honed over time. Make sure you know the market price of the targeted car, and start bidding below that price. Easier to raise the bid rather than down.

After learn about these tips, it’s time to try it. Don’t be afraid to take a wrong step, you can also bring a friend to company you, ask him for suggestion. Buy second hand cars is good enough to handle money of financial management therefore buy a new car.

Crimes that has good potential is credit card fraud, it happen anywhere. So, to minimize the crimes, consider to maximize your Credit Card Protection. Why should we do..? Firstly, read this:

* Protect your credit card from crime.
- Immediately sign (activation) of credit card replacement / extension and destroy old credit cards.
- Destroy the evidence received your credit card, because the evidence received contains some confidential information associated with your card.
- Never send your card number by fax, because you can not control the recipient’s fax data.
- Beware when you give your credit card number over the Internet or telephone. Make sure that the system or the person receiving the information is reliable or safe.
- Immediately call the calling center when you feel suspicious

* Review history of the use of your card.
Nothing wrong with re-learn your history using your credit card. Sometimes there is a possible transaction you are unsure that the transaction you are doing.

After you have learn all the things you should do, then it will be more relax for you to using credit cards. Hopefully it can open your mind widest about credit card fraud and credit protection services. Get more attention to Secured Credit Cards then you will comfortable to handle money without think the risks would come.

Yes, just you all know, shell money is some kind of old money that people used in the past. Right before we have born, our ancestors still used shell as the main trade item to buy or sell. This day we all use metal and paper as the main trade. Well, that’s the point of the meaning of shell money.

You must be thinking right now, so why this blog name is shell money. I have no idea too. It was just come out from my creative mind. But the main idea I create this blog, just want to share everything about money, yeah share everything just like we can keep or spend our money as a shell collected from the sea.

In this blog, I would like to share tips about money. How to manage money? Why we need to make Money Investment. At this rate I could be Financial Adviser. Maybe not as the good financial adviser, I just college student who try to learn everything about financial. I try to explain from on my sight, if you are disagree, you can complain with me and we can discuss about it. Maybe this blog could be as a step to step how to create a better money investment. Together, you and I try to learn about money.