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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

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.

Loans Are Still Possible With Bad Credit In Your Past

Bad Credit

When you are trying to obtain a loan and your credit is bad there are things that you must consider. Your credit history is going to come into place because it is the thing that determines whether you have the ability to pay back a loan. If you know that you have a bad credit history it may be in your best interest to look at what you can obtain from a payday loan. This is going to be a lot less taxing when it comes to verifying your credit history in your ability to pay.

Small Amounts

When your credit is not very good it will not be wise to seek large amounts. Some people try to acquire loans in order to reestablish their credit. They want to be able to show that they have the ability to make regular payments on loans in order to re-establish their credibility. This is not going to start with a big loan that may have installment payments that are too large to pay. People that have bad credit should take precautions and look for ways to get small loans that they can repay in full. This is where the payday loan becomes a viable option again. It allows people that may not have paid loans or credit cards back in the past to make an effort at re-establishing their credit. They have a better chance of getting someone to consider them for these types of loans because the qualifications are not going to be as detailed.

Try More Than One Company

The best thing that you can do is try more than one lending institution. Don’t get discouraged by lenders that are turning you down. That can hinder some people from applying for more loans. It is better to consider your options because some lenders will have a lower interest rate for those people that are trying to rebuild their credit. It works to your advantage to look at the best interest rates when you are trying to make a decision. There is no need to get with a lending institution that is not prepared to offer a competitively lower interest rate. It is a common mistake for people with bad credit to assume that they do not get good interest rates. This leads people to get loans with interest rates that are higher with much more to pay back.

The Payday Loan Options

The options are abundant, and payday loans or bad credit loans continue to provide a lot of people with bad credit a way to get money even when they have not been able to pay bills on time in the past. Everyone desires a second change to reestablish themselves, and that is exactly what a lot of people get the chance to do with these payday loans. They get the opportunity to borrow money that they can pay back.


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.

Bad Credit Loans

A bad credit loan is a type of personal loan given to people who have a history of poor borrowing habits. In essence, having a bad credit score means that you often pay your loans late or you don’t fully pay the loans taken. Having a bad credit loan will attract high-interest rates compared to a person with good credit scores. Having a bad credit score will make your loan expensive to pay; that is why people are encouraged to be good creditors. Life however happens, and you may find yourself as a bad creditor. This, however, does not mean that you can’t apply for a personal loan like others. Some tips will help you as you apply for bad credit loans. The following tips are helpful.

  • Go For Suitable Repayment Plans

Being a lousy creditor means that you probably have challenges with the repayment period. Look for a lender who is comfortable with your payment schedule and come to an understanding. Avoid lenders who offer short term repayment periods (e.g., 30 days) and go for those who are open to long term repayment periods. Look at the amount you are to pay back every month and be sure that you are comfortable with the installments.

  • Avoid Signing Up For Payday Loans

Personal installment loans are a better option when compared to payday loans. This is because payday, like title loans, mess up with your financial plans. Payday loans get rolled over more often. Being a regular borrower will mean that you spend months with the debt you could have cleared within weeks. There is no point of paying a loan for five months when you could clear everything in just four weeks.

  • Know Your Limits

Assess your income, bank statements, and property before taking a bad credit loan. It is also prudent to look at the interest rate and the time your lender gives you before you take the loan. Be 100% sure that you can afford the loan before agreeing to take it. Don’t just borrow for the sake of it. Do not overestimate your ability to repay.

  • Inform the Credit Bureaus about the Payments You Make

You want to improve your credit scores and disassociate your name from bad credit loans. Talk to your lender (check NeedMoneyNow’s bad credit loans service) and inquire if they send the payment reports to the credit bureaus. It will be good for you if the credit bureaus are informed once you repay the installment loan. The credit bureaus being aware of your payments will significantly improve your short-term to long term payment plans.

Having a low credit score can cause unending distress when you desperately need some money. The good news is you can manage to get the cash you need with the tips given above. Evaluate yourself and adopt habits that will improve your credit scores.

Important Facts To Know About Getting Loans

When trying to get a loan it is necessary to know what you need to keep in mind. You also need to keep in mind the types of loans that are available as not every place offers the same loans. For example, if you’re looking for a small loan of $2500 or less then a credit union would be a better place to apply for it as most banks and other lenders don’t offer such small loans. Some banks don’t even offer unsecured personal loans. The majority of lenders will look at 2 main factors when they are deciding whether or not to approve your application for a loan. Those two factors are your ability to repay the loan, for example, how much you own, and your credit history.

Main Options and DTI ratio

There are different options of where to get a loan, the three main one’s Banks; a few major banks offer personal easy loans but not all of them, Online Lander; They are a convenient way to search for and then compare the different loans available, and then finally Credit Unions; These places may offer personal loans with more flexible terms and lower interest rates. When looking at your income some lenders consider your DTI (Debt-to-Income) ratio. The DTI radio is basically a monthly calculation of the debt obligations you have. It takes into account credit cards payments, student loans, and auto loans and then divides that total amount by how much you earn monthly. This allows the lender to see how much extra money you would have left over to pay off your debt. Most places have a different definition of what DTI ratio is good so be sure to ask the lender you choose if they use DTI and what ratio they consider as acceptable.


Credit is incredibly important when lenders consider whether or not to approve your application for any type of loan. Now each lender will determine what is the minimum acceptable credit score that they will accept. Some will only consider applicants with a credit score of 710 or better, while others are different, so be sure to know what your credit score is and enquire what credit score they would consider. Most traditional financial institutions will consider a credit score of around 680 and above for them to feel comfortable accepting and approving your application for a personal loan. Your credit score shows your ability to repay a loan and so it really matters in the application process. Your score is determined by looking at the types of loan you have or have had, like credit cards and mortgages. It also takes into consideration how much the credit limits or loans were for, and in the case of credit limits how much of the balance you are using month to month. Finally, it takes into account whether you paid those loans or credit cards on time.

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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