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

Unsecured Loans 101

If you are looking for a good company where you can submit an application for a personal loan, you may also be considering unsecured loans as well.


If you are not sure what an unsecured loan is, however, you still may be wondering if applying for one is a smart idea, or if a secured loan has more advantages.

What are the advantages of an unsecured loan? — If you do not own a home or a car that you can offer as collateral, then an unsecured loan is definitely the best choice for you. If you do not want to lose your home or car if you cannot repay a secured loan, then an unsecured loan is also for you.

The main advantage of an unsecured loan is you do not have to worry about losing a home, a car or other valuable property if you find you cannot afford to repay the loan at a later time.

What are the disadvantages of an unsecured loan? — As you are not putting up property as collateral, the main disadvantage of an unsecured loan is the interest rate will generally be higher.

If you can afford to pay off an unsecured loan much faster than its term time, however, this is not necessarily a disadvantage. If you do not have collateral to offer for a secure loan, then an unsecured loan is your only option.

When should you apply for an unsecured loan? — If you need money to repay a loan with a high interest rate, if you have medical bills, need to buy a car or want to start a small business, applying for an unsecured loan is often your best option.

What to look for when applying for an unsecured loan? — There are several things any company offering unsecured loans  (see finance district) should offer you before you consider applying for one through them.

They should offer an affordable interest rate. Some companies that specialize in unsecured loans may make it easy to get a loan but, if the interest is ridiculously high, you will quickly regret getting a loan through them.

They should offer an easy way to make payments. Whether that is through a bank account, PayPal or mailing in a payment, just make sure the method is convenient for you.

They should also have a good reputation for how they treat their customers. This can be found online by reading just a few reviews written by customers of the unsecured loan company you are considering using.

How long does it take to get an unsecured loan? — Applying offline may take a few days. If you apply online, however, many companies offering unsecured loans are set up to respond quickly.

This will often mean you can apply for your unsecured loan today, and know whether or not it has been granted to you within one to three days. Once you receive the email, and you have been approved, you can then decide to take it or reject it, depending on the terms they offer.

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.

Quick tips for raising your annual fundraising goal for your non profit

When it comes to increasing the amount of money you raise for a non profit you work for or run, it can be quite scary to suddenly increase your goal far higher than you have done in the past.


What often happens, though, when you do drastically increase an annual fundraising goal is you may be surprised when you actually raise the money.


Follow these few tips, and you may just find it easier than you ever have before.


Create a unique event — If you have been running the same silent auction, the same black tie dinner or the same fashion show for years, it is time to create a unique event.


After all, while you may get some repeat guests just because they like to support your non profit, you will often find the same event every year becomes boring fast.


Look at the special events other non profits are organizing in your area, then try something even more different. This should pull in the people that have always supported you, plus give you a big opportunity to appeal to people that have never been interested before.


Increase your major donor asks — If you have been running major donor campaigns for years, you will probably find you have been asking your donors for similar amounts every year as well.


The rule of thumb in good annual fundraising, however, is to always make sure you increase your ask and, in some cases, increase it by a large amount.


If you are not sure which major donors to ask for a larger donation than before, do some research on some of the ones that normally give. Look at how well their businesses are doing, if they have bought new homes or seem to be traveling to exotic places, and then decide how much extra you think they can afford to give.


In many cases, major donors do not increase their donation amounts simply because you do not ask them.


Add an additional mail campaign — If you are like most non profits, you probably do two to three mail campaigns every year.


This year, add an extra campaign but only send it to the donors that regularly give money to your non profit. Increase the amount you ask for, and link it to a special program that only they will be funding.


Exclusivity in the non profit world is even popular when it comes to donating money. After all, many donors not only want to do something nice for their community, but they also want to be able to feel like they are doing something nobody else is doing. The chance for a donor to fund a special program is often that exclusivity they want. Make sure you use a good fundraising software to keep track of everything.


Run a raffle — Many non profits do not run an annual raffle, and they should.


Prizes can often be easy to get donated and, if you have enough of them, people love to buy a ticket to help a good cause but one that may win themselves something too.

Starting a Business in Oregon

Beginning Preparations for a Tax ID

Starting a business can be time-consuming and stressful, but it doesn’t have to be. The legal aspects need to be in order if the owner wants the company to succeed. A business name is a top priority. Research the name before contacting the IRS. If the desired name of the company chosen has been used for another business in the same industry, then it would be beneficial to consider changing the name. First, an Employee Identification Number(EIN) must be set up by the IRS (Read more: how to get an ein in oregon). An application can be found online at the Oregon State website. An EIN is needed for any business that plans to hire employees and makes a profit. This must be sent to the IRS for income tax purposes. There are various structures for a business to be associated with. For example, if there is only one person then the Sole Proprietorship is the right choice. It can always change if the owner plans to hire employees sometime in the future. At that point, a Limited Liability Company would be the wise choice to have. This will provide insurance to protect small businesses in the event of a lawsuit.


Preparing for Tax Purposes

Under Oregon law, a business that operates with an outside office must have a tax identification providing the company conducts their business relationships relating to sales of property, repair, inspection, maintenance, or service of a product. When applying for Oregon state, federal, and local government assistance programs, the owner of the small business must not only provide a business proposal but must also prove that there is a substantial amount of income from the business. This will enable the owner to get approved for a small business loan; although, the loan amount won’t exceed 50% of the business proposal.


Establish a Business Plan

Whether the company is in sales, marketing, advertisement, restaurant, gym, or store, the business must have a legitimate business plan. This plan will explain in detail the fundamentals for which the business plans to run. The reason for the business, what are the goals, meaning of the company to the public. The state of Oregon represents financial resources and managing services for small businesses who need assistance to establish their company. Ensure that the purpose of the business is outlined in the business plan in great detail. This will usually take a few hours to figure out what’s going to be the main point of the business. Focus on the main point of the plan, if the business is associated with investors, such as real estate or financial institution, then they may require more information. A detailed version of what the company’s products are should be mentioned in the plan. Also, create a mission statement which should indicate what sets the business apart from similar small businesses. Include a sales and marketing pitch. How will clients find this small business and what makes it stand out from the competitive competition.

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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