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

Understanding the Work Environment Revolving Around Nonprofit Sectors in the US

Nonprofits are organizations that work towards helping people in society. Are you Looking for what it feels like to work in such an organization in the US? Here are a few points.


Understanding a Nonprofit

Nonprofit organizations are organizations that work towards helping people through education, research, and other good courses of action. It may be religious issues, schools, trade associations, to mention but a few. These organizations and non-profit recruiters get funding from grants and donations with which they use to fund their operations towards the common good of everyone. In addition, the revenue that these organizations get is immediately pumped back into their respective good course. This means no profits are shared within the organization. If you are looking to help society and utilize your people skills, then the nonprofit sector in the US is probably the best place for you. Also, some of these organizations champion the rights of marginalized groups and or people in need.


Exposure to a Variety of Skills

Working for nonprofit organizations helps broaden the scope of the work that you do. You don’t get to concentrate on one specific skill set, but rather, you are exposed to as many fields as possible. This means employees in nonprofit organizations are not limited to a desk performing only one task. Nonprofits involve various activities and often have fewer employees hence the need to diversify what each employee handles. Also, through diversifying, you get to improve your skills, and in the long-run, your career skills improve. Handling many sectors through the nonprofit organization helps improve skills in the fields one is assigned to handle. Taking on such responsibilities will help shape the path of any career. Experience comes as an added advantage. Experience is what most organizations look for nowadays, and this can come in handy.


Builds on Creativity

Nonprofits often have a lot of work to be done by a few people. This kind of situation helps improve the creativity of employees in the sector assigned. Handling many tasks requires creative thinking. Hence, as an employee goes through various tasks, they are challenged to employ new skills and ideas hence pushing them towards thinking generally. In addition, being creative in a specific field in the nonprofit sector may go a long way in assisting many people, depending on the goals of the organization. There is a rewarding feeling for working for a nonprofit organization in the US. Working for nonprofits poses a certain kind of flexibility that is not found in other normal business operations. The flexibility goes a long way in improving careers while breeding exposure as employees climb up the ladder. Working for nonprofits presents numerous opportunities to serve people all over the globe and in the country as well.

Could your car insurance be working against you? How to differentiate between a good and a bad car insurance policy.

The first thing you need to do once you acquire a car is to buy a good insurance cover. By law, you are required to insure your car, with third party protection being the most basic of covers you must have. Choosing a good insurance policy is not easy as you have multiple things to consider such as the model of the car, your age, how many people drive it, and so on. It is very advisable to read the fine print of any car insurance policy before you choose one, as it might just be the difference between getting your provider to pay or reject your claim in case of an accident. So, what is the difference between a good and bad insurance cover?

Depending on the level of protection you choose, your car insurance policy should be able to give you basic protection for incidences such as loss of your windscreen up to the market value. Should you also lose your personal items following an accident, your insurance policy should cover the costs of replacing lost personal belongings and should pay £300 or more. A bad insurance policy will not give you any of these options and you might end up forking out more money to cover these costs.

You should also look at whether your policy covers moving your car from an accident scene to a repairer. A good policy will provide the option of getting a replacement vehicle you can use for the time being as yours is being repaired. A good policy will provide this as a standard part of your car insurance or, you can have the option of adding it. Be sure to also check whether your policy covers additional costs you might incur should you be unable to get home following an accident. For example, if you were traveling with your family, you might need to sleep at a hotel as you wait to continue with your onward journey. A bad policy will not give you this option as part of your cover and you will have to pay for these costs on your own.

You should also be on the lookout for how much excess accident protection you must buy following an accident. A good car insurance policy will keep this to £100 or less while a bad one will have you pay more money. A good policy will also give you the flexibility of choosing how much to pay towards your claims in exchange for a reduced premium charge. A bad policy will not give you this option and, you will be compelled to pay higher excess fees with no reduction in your premium charges.

Finally, if you need help switching insurances, check out cheaper quotes from moneyexpert.com, get cheap car insurance quotes online.

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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