Therefore here are some tips on how lend money to friends:

Preview of your financial condition.

If you have money, does not mean you have to become a bank for others. Preview the possibility of your family expenses in the next few months. Maybe your child needs to go to school. Maybe your baby will be born. Maybe you’ll spend money on this, for that, and so forth. Do not get when you need money, money is still in the hands of others.

If necessary, you may also have budget some money to be lent. That is, although not every month someone comes to borrow money to you, but you can remain on guard in case a friend or relative you want to borrow money without your having to reject it because you already have the funds and you evaluate them deserved to be helped.

Carefully before giving.

Try carefully before you lend money to others. All you have thoroughly is “the person’s ability to repay its debts.” This is also done before the bank lends money to customers who want to borrow money. Maybe some of the following list of questions can be useful, when there are people who will borrow the money to you.

• Who is he? What does he do? Is he a relative or friend?

• For what purpose he borrowed the money? Business or the necessities of life?
• Is these urgent needs?
• What guarantees promised? Does he or she pledge for her property does not guarantee anything and only have a verbal promise alone?
• Did he have a history of borrowing money to you or someone else? What about “fate” of these debts? Are these debts can be redemption or not?
• When is he going to return the debt? Does that make sense or promise not when adjusted for the background?

From the list of questions above, you can judge for yourself whether the person you wish to lend money deserves to lend money or not.

Create Notes.

Do not hesitate to make a written agreement on paper sealed, when it lent money to reach hundred or thousands dollar. Or if under one thousand dollar, perhaps a receipt will suffice. What is important is that you keep records. What should be stated in such agreement or receipt is who borrow, how much will be borrowed, for what, and when it will be returned.

With a clean record, you’ll know when you have to collect, and how much money you’ve lent. And if there are problems in the future, these records can help you. Now you know how to lend money to friends.

Best Regards,

Handle Money

Preparing the education fund is can’t consider as the origin of savings, perhaps even if you are already tired of saving the funds collected are not sufficient as well. To facilitate your Set Up Education Cost for Children, here are the steps that can be executed as Cost of Education for children:
1. Determine the funding target required by education. Many parents only know the high cost of education today, but forgot to estimate how much the cost of future education. Thus although the feeling was saved but the fund was not enough time will be used. Target educational funds required is equal to the estimated future cost of education, and to predict it, then do two things as follows:

Find information on how the current fee for each level of education that will pass your child (kindergarten, elementary, junior high school, university). Calculate how much the education costs later, then by assuming the increase in educational costs per year until your child entered school.

2. Define how to target education funding. There are two ways that can be selected to achieve the target of education funds, namely:
a. Perform regular monthly payments into an investment product, such as: – Saving money on a regular basis to ordinary savings, educational savings accounts or deposits in banks, to invest monthly to the mutual fund product, or take insurance education.
b. Save or invest just once in the face with the funds currently held in cash.

3. Protecting investments from risk. The loss of the ability of parents to earn money due to death, accidents or serious illness, can cause deposits to fund education routine stops. In anticipation of the risk – this risk, it would be prudent if you take the insurance if you are already taking education or education savings insurance which also provides insurance benefits will automatically fund your children’s education is protected. This means that if one of the risks mentioned above occurs then the insurers will continue preparation for your child’s education fund.

But if you save yourself then you should take life insurance, accident insurance and critical illness insurance, with a large amount of insurance money if the sum assured is inserted into a savings or investment product is the result of interest earned can pay the deposit for your child’s regular education funding.

4. Conducting Evaluation and Revision to ensure that education funding target is reached then it should freeze the financial plan is evaluated at least once a year run. This is done because the assumption of interest rate savings, deposits, insurance and other investment products could change the assumptions Similarly, the increase in educational costs per year, so the possibility of lack of conformity between the assumptions used by reality could actually happen. As a result, you may be able to reach the target of education funding, but could also not cool. By conducting regular evaluations will be known whether financial target plan has been fulfilled or not, so if you can not be done immediately or planned corrective revision.

Using Credit Cards Wisely is the best way to control your desire. If you can handle money of credit cards using then it will help you to Pay Credit Card Debt at the end of the month. Learn how to use credit cards effectively with 3 steps, which each step explain about credit card that you should do and what should you avoid:

1. Learn Credit Card Promotion Program. Are there any that can be exploited? For example, if you pay the electric bill / electricity / phone via credit card for the full year, then you will get a discount of 10% or card issuer will give a discount supermarket or restaurant. Don’t get flattered with the promotion maybe you will get some discount but how about the interest you have to pay..? That’s why you need to learn it more exactly ask about interest before you are willing to buy something.

2. Avoid Using Credit Cards To The Things What Not Included In Promotion Program. This is intended to help you be disciplined in budget. Just like from step one, some credit cards holder offers programs with great price and good discount. These are good for credit cards user, it will save your money. But don’t ever try to buy things that out of programs, it will cost you a lot.
3. Ensure Card Bill Pay In Full Monthly Amount. Ensure yourself to pay not only the minimum payment or half, try to pay it full then you will avoid high fee interest.

Have credit cards also good as financial adjustment, but it depends how we use it. If you good enough to control it, then it’s ok. Just try to using it wisely.

On the other hand, if you decide to buy a car on credit then in our opinion there are some things you should know before you take the decision to sign a credit agreement with a financial institution or banking institutions. Learn the situation first, knowing about new car credit stimulus so you can sure which path you must to take. Learn about bad credit car, car tax credit and new car tax.

1. Recognize that providing credit
in general there are two types of companies or institutions that provide credit facilities to the community, especially for cars car ownership. The first institution is a banking institution.
While the second is the financing institution. Financing institutions usually associated with companies engaged in the automotive industry, either as a sole agent (ATPM) or a dealer. In times of crisis, as now, the banking sector will be very careful to disburse funds for loans for individual car ownership. Although some recent time some banks began offering credit for community ownership of individual cars.

2. Choose a car as needed
select the type of car that you and your family need not only want the next thing that must be considered and approved with credit. Each individual in the family has a preference on the types of different cars. This should be discussed with other family members. So the decision to buy certain types of loans have become a joint decision and enjoyable for all family members.

3. Survey prices
after you decide what kind of car you want, then the next step is figuring out how best price offered, which may be obtained by asking to several dealers who issued the type of car you want export credit at competitive prices and quality. It took quite a lot because you have to ask the dealer directly to some of the price of the car, check car prices car sales here and selling cars to help your credit. 4. Prepare and installments according to down payment.
one thing you should prepare if you decide to buy cars on credit is an advance or down payment. Which generally ranges between 20-30 percent of the price of the car. Examples of course if the price of the car you want $20.000, then at least you should set aside about $4000-$6000 million as a down payment. Not yet added to the administrative costs and fees. Consider about the size of your ability to repay each month can be calculated based on your debt ratio. Our advice, your debt ratio should not exceed 30 percent. So the maximum monthly net income was 30 percent can be set aside for use as a car loan installment.

The amount of installment will be quite dependent on the credit period you want. In general, car ownership in the credit period is from 1 to 3 years. There are also financial institutions that offer up to 5 years. Customize your ability to repay each month with the credit period, not to effect a forced loan, the monthly family financial flows to be faltering.

5. Choosing the interest rate
There are some things that should be learned about the existing loan interest rates in credit markets, both in banking and financing institutions. Technically there are 2 types of mortgage interest rates (1). Fixed interest rate (flat rate) and (2). Floating interest rate (floating rate).

Buy a new car by credit is also good choice for handle money. It would be more completed if you read about Buy Car Tips. Before take a car by credit you must sure about your own finance, so you can pay the down payment ASAP.

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.

How to Choose Secured Credit Cards..? Read this tips that could be work for you:

- Get the right credit card and from a trusted publisher

- Alert with the card issuer that provides “the lure of” too sweet (too good to be true), for example, there are bank interest offering installment that really cheap but applies only for a moment only then you should ready to get some bans.

- Find a publisher who does not charge an annual. Who knew there were publishers who graciously did not charge annual fees to their consumers.

- Read back option benefits from your credit card, can be in the form of reward points, good health or car insurance, frequent flyer or any facilities.

Many credit card issuers that offer products but is not going to benefit you earn even more problems that may arise after you become customers.

If we read in national newspapers had a lot of our society who are victims or mismanage their credit card so that later chased by debt collectors, when it’s so who’s going to help? So, keep it in your mind if you want to handle money wisely.

You can use to manage the expenditure of the family, so you have enough money either to pay the bills, vacations, education and pensions. Most important it could fix your Financial Problems. The following are practical tips to manage the family financial control:

1. Monthly billing. Collect all your quarterly bill, then total the whole, and for the three to get the average monthly bill, such as telephone bills, school fees, insurance and so on.

2. Monthly spending. Collect all of yours quarterly spending the whole, then add then to three, to get the total average expenditure per month you, such as buying clothes, buy a family meal in a restaurant and so on.

3. Initial Evaluation. Evaluate your spending it. Look for opportunities to save money and cut spending posts that do not need.

4. Formulation of the Budget Plan. Plan your monthly budget and try to obey and begin to allocate funds such as savings deposits, certificates of deposit and pension insurance.

5. Evaluation of Budget Realization. Browse revenue (income) and monthly expenses (monthly expense) to evaluate how your plan is already running, then perfected to produce the desired results. Use financial software to obtain accurate results management and search ‘behavioral mistakes’ in your family’s financial spending.

Even for the small things could knock down us. In this uncertain economic condition, we must be smart to see everything, what is the benefit you would have and how much loss would cost you. Don’t take lightly for a little thing, sometimes it could be a boomerang to strike you back.

Let see, what is the real factor that can make you sure it would be the source of your financial problem..? Well, it’s hard to find but we can start what is the thing that cost you the most. Is it necessary to make a cute expenditure or just leave it..? Cut expenditure could be a nice solution as long as you don’t think it gives you big loss. If you think vice versa, then it would be ok but with some underline to care this thing quickly.

Sometimes everything that we plan doesn’t go smoothly, that’s the risk. But if you see this point, then you will realize how to minimize the cost. Make a plan always see the effect, and after you understood about it, you will be able to anticipate your financial problems.