Welcome to the Fran58 Money Blog

We aim to get people to stop and pay attention to their finances and understand how to make good money management plans and financial decisions. We believe saving money and using your dollar bills efficiently is no rocket science and it can be done by anyone quite easily with the help of a few tips and guideline, which we aim to provide here.

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About Me

Loves to play poker and spend his time talking about money.


This money can be saved in a piggy bank or more securely at a savings account at a bank.


To invest is to allocate money in the expectation of some benefit in the future.


Finance aims to price assets based on their risk level and their expected rate of return.

Tips and Advice

We aim to get people to stop and pay attention to their finances.


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Who Am I
Portrait of smiling asian businessman sitting in front of colleagues

Dave is a young man of 28 who is extremely hyperactive, loves to play poker and spend his time talking about money. Since early teens, he thought that he was “The Man” when it came to money but did not get his act together until 2013 when he bought a house and started living with his wife in New York City.


We believe saving money and using your dollar bills efficiently is no rocket science and it can be done by anyone quite easily with the help of a few tips and guideline

How to Deal With Water Damage In Your Home

One of the significant emergencies you can experience in your home is water damage. It can occur from unforeseen natural phenomena like a flood, leaking or busted pipes, or backup in your sewage system. Whatever the cause, you’ll need to take specific steps to prevent further damage to your property and your furnishings. Things can only worsen if you delay salvaging as much as you can and get emergency repairs.


Saving Your Valuables

After water damage, be sure to turn off your electricity and unplug all electronic devices. If this occurred due to flooding, then you must evacuate the flooded area. As you reenter your property, wear waterproof boots, rubber gloves, and protective clothing. At this point, you’ll want to remove your most valuable possessions from the area.


Stopping the Water Damage

If this has not occurred due to a natural phenomenon like a flood, you have to locate the water damage source. Check for leaking or burst pipes or any leaks from a hot water tank. Locate the shut-off valves. Check for any signs of mold or foul odors and make sure the water has stopped flowing. Best case: hire a company like Denver Water Damage to take care of it for you.


Call Your Insurance Company

As soon as possible, after the water damage, call your insurance company. Get a claims adjuster to come to your house and assess the damage and estimate the costs for repairs. For your protection, take photos of the damaged valuables and areas. Be sure you keep all the receipts for your records.


Start to Dry the Area

After water damage, you can start to begin the drying process within 24 hours. The drying process should take about 3 to 4 days to eliminate the growth of mildew or mold. Remove furniture from the water damaged area or place aluminum foil between the legs of the furniture and the carpeting to prevent staining to the carpet. Remove and hang up all area rugs to dry.

As you begin the drying out process, use dehumidifiers and fans strategically, mainly aiming at the wettest areas. Turn on your air-conditioning to help eliminate humidity. If there are vast water pools, you might consider renting professional equipment to dry up the water.


Restoring Your Property

After significant water damage, you might require professional services to make sure that there are no signs of mold growth or mildew. Your drywall, insulation, flooring, and baseboards should be checked. While the water has dried on the surface, there might be some water that has leaked inside where you cannot get to it yourself. Professionals will know how to check and have the equipment to locate any water that might have gotten trapped. They can also advise you about restoring your electronics.


6 Essential Points to Consider When Hiring a Criminal Lawyer

When searching for a professional criminal attorney to represent you or your family in court trials, there are many things you need to consider. First, it is crucial to look for a licensed lawyer with the qualities that match your needs and who will concentrate on your case.

Though many factors such as location, area of specialty, experience, and fee charges, finding an excellent criminal attorney will depend on your willingness to identify the qualities that will be fit for your case and how well you will carry out your research.

Important factors you need to consider before hiring a criminal defence lawyer

As said earlier, there are numerous points you need to check and verify during the search of a Sydney criminal lawyer. Taking your time to establish vital factors that will be right for your case will save you the time you would spend in search of your best counsel. The following are the topmost things you should prioritize in your search:

  1. Location

You should search for a registered Australian lawyer with a practicing certificate to represent you.

  1. Reputation

Depending on the nature of your case, it can be essential to consider the attorney’s reputation. Some lawyers are known for taking complex, stressful, and high-profile trials. To know about their status, you can go through their websites and evaluate their reviews and publications.

  1. Qualities

The qualities you will be checking in a lawyer will probably be specific to your case needs. Therefore, it’s upon you to decide the kind of attorney you find comfortable having as representation. You can choose to hire a lawyer either from a huge or a smaller law firm, whether to work with an experienced lawyer who has large scale load or a younger with fewer cases to attend to. Figuring out the essential qualities for your case needs will help you in making appropriate decisions.

  1. Cost

Different lawyers charge different fees based on several factors, which may include their own experience and skills, the magnitude of the case, the area in which the lawsuit was filed, duration case will take, and the availability of witnesses. It is, therefore, essential to have a better understanding of what you will be expected to hire the one you can afford.

  1. Concentration

In many circumstances, the defence attorney takes on routine cases. However, the majority will likely specialize in a particular area. These specialties may include theft, violence, DUI, among others. It can be helpful finding a lawyer with a specialization that matches your specific case needs.

  1. If it’s a Public or Private Lawyer

If the case is not very serious and you are eligible, the state can grant you a court-appointed lawyer or a public lawyer. Often, public defenders are usually exposed to a variety of cases, unlike private attorneys who are more likely specialized in a particular field of criminal defence.

What type of cases does a criminal defense lawyer handle?

When charged with any criminal case, it is always a good idea to hire a criminal defense lawyer with immediate effect as what might seem like a simple case, can quickly escalate into a much bigger problem. Having a criminal attorney at your side from the word go is of the essence as he/she works in your best interests, thus will go above and beyond to get you the best outcome. But what exactly do criminal defense lawyers do and what type of cases do they handle?

Who is a criminal defense attorney?

Simply put and also as the name suggests, this is an attorney who specializes in defense of individuals, companies, and organizations charged with criminal activity.

For one to become a criminal attorney, they must study for a degree in law, and also, pass the bar examination of the state they plan on practicing litigation in. Commonly referred to as public defenders, criminal attorneys usually practice law in all types of courts from the state, federal to appellate and their primary role in any criminal case is to

  • Investigate the case by interviewing the defendant as well as the witnesses
  • Analyze the evidence
  • Create a defense and case strategy in line with the law, crime codes, and statutes
  • Negotiate with the prosecution panel to negotiate a better ruling for the defendant
  • Drag, file and argue for appeals in case the outcome is negative.

What type of cases does a criminal lawyer handle?

Now that you know who a criminal defense attorney is and the roles that they carry out, what type of cases do they handle?

As noted earlier, a criminal lawyer (quick plug for best Sydney criminal lawyer) usually handles crime cases. With that in mind, it is vital to note that not all criminal cases are the same. For instance, a person who is arrested for murder cannot be charged the same way as a person who is in for petty theft. In respect to that, criminal cases that a criminal attorney deals with are usually divided into two categories, namely, felony and misdemeanor.

Felony Cases

Also known as a high crime, a felony refers to more serious misconduct, and if found guilty, it is punishable by imprisonment for over one year or death.

Examples of felonies include

  • Murder
  • Aggravated assault/battery
  • Manslaughter
  • Racketeering
  • Grand larceny
  • Possession of certain illegal drugs
  • Arson
  • Rape
  • Treason
  • White collar crime, for instance, fraud
  • Kidnapping
  • robbery/burglary
  • Misdemeanor

Contrary to a felony, misdemeanor cases, on the other hand, are less serious crimes. Majority of the times, these cases are usually punishable by one year in prison and/or a hefty fine. Example of misdemeanor cases include

  • The earlier mentioned petty theft
  • Vandalism
  • Disorderly conduct
  • Reckless driving
  • Public intoxication
  • Trespassing
  • First time possession of drugs such as marijuana
  • Prostitution
  • Traffic rule violation.

All the cases listed above are examples of what a criminal defense attorney can help you with, in case you are arrested. Some attorneys specialize in felonies while others specialize in misdemeanors. Other go the extra mile in focusing on a particular case. For instance, some criminal defense lawyers will only handle murder cases while others focus on white collar crimes. The more specialized an attorney is, the better they are at managing your case and getting you a better ruling.

Taking Out An Online Loan May Be Worth All The Trouble

There are millions of people who struggle from financial hardship and have difficulty paying for the day-to-day living expenses, such as gas, groceries and food. There are people who have experienced unfortunate circumstances, such as job loss, disability or worse, a death of a spouse. When you find yourself in an unfortunate situation, you always want to make sure that you do whatever it is you can do in order to be able to afford the day-to-day expenses. If you have young children in your home, you may have to do whatever it takes in order to be able to properly care for them. Putting yourself in debt may be something that you cannot control, due to having to be forced to survive. Due to the unfortunate situation you are experiencing, you have to try to explore all avenues in order to get out of your situation. Sometimes, taking out an online loan may be one of your best and only options in order to help you and your family survive.


Many people face financial hardship and have trouble being able to afford bills and food. Will you run out of money, it makes it extremely difficult for you to continue to make money. You will need money to purchase gasoline for your vehicle in order for you to find work. You will also need to purchase groceries in order for you to eat and have the energy required to be healthy to work. Many times, people are left in a very unfortunate situation where they have to make a choice. In order to continue to get out of their situation, they may need to make an investment. Taking out an online loan is considered an investment because you have to repay the company in order for you to get what you need to be able to move forward with finding permanent work. Once you find permanent work, you are able to get out of the unfortunate situation and repay your loan.


There are many online loan lenders willing to offer you a loan fast, possibly within 24 hours. Every online loan lender has their own requirements, such as credit score, job longevity, income amount, or previous behavior with other loan companies. It is critical that you take the time to study every online loan lender you are interested in and make sure that their terms are legitimate. Some online loan lenders may require you to send them bank statements, copies of your recent pay stubs and sometimes they even asked for your previous tax return. This online loan lenders sometimes request more than you should have to give up, however the outcome is that you will be able to get a loan, when no other lender will qualify you. Many online loan lenders do not base their qualifications on credit scores, they mostly base it on the ability for you to repay the loan.


Overall, if you are interested in taking out an online payday loan or an installment loan, make sure you take the time to review their terms and regulations before you apply. Also find out what the repayment schedule looks like in order to judge whether it is going to be a good fit for you. Many times, online loan lenders offer extremely high interest rates and many applicants end up defaulting on their loan due to the extremely high interest rate. Fore further information, please visit finance district nz.

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