Category Archives: Personal Finance

Get a $150 Referral Bonus When You Become an Uber Driver

If you’re considering becoming an Uber driver, NOW is the time!

The referral bonus for new Uber drivers has traditionally be lower, at $50 in most cities, but Uber has increased the new driver referral bonus to $150 in many cities! The bonuses vary by city, so it may be more or less in certain cities. Become an Uber Driver

It’s very easy to get started, and there are only a few steps you need to take to get paid your bonus:

  • Sign up here
  • Upload all required documents to their partner dashboard
  • Get vehicle inspected
  • Complete 20 trips (this number varies by city, but should take about 3 hours of Uber driving)

When I signed up, I got paid a $50 Uber referral driver bonus after just the first Saturday night of driving for Uber. It couldn’t be easier to earn the bonus, so sign up now!

The whole process is pretty quick, and if you have any questions about the approval process, leave them below. I’m happy to answer them for you!

So what are you waiting for? Sign up to become an Uber driver here and get your $150 bonus now!

Uber Sign Up Bonus

3 Ways to Fight a Traffic Ticket in Court — and Win

While it certainly isn’t among one of life’s bigger financial catastrophes, the fact remains that a speeding ticket isn’t just inconvenient and irritating: it’s also quite costly.

Obviously, there’s the fine itself, which can range from about $150 to well over $500 depending on the violation and jurisdiction. What might not considered a particularly serious (read: expensive) moving violation in one town, city or county or state, can be a very different story in another. And trying to figure out why these differences exist is an exercise in frustration and futility. Even Sherlock Holmes would be baffled.

However, there’s another cost involved as well that can make the ticket fee seem paltry: a spike in your insurance premiums. Indeed, at a time when insurance carriers are exploiting every bit of “Big Data” they can to figure out premium costs — everything from a policy holder’s zip code to the industry in which they work, and the list goes on — getting flagged for any kind of moving violation is music to an actuary’s ears, but rotten news for your wallet. That’s the bad news.

The good news, is that you don’t have to sit with your eyes forward and your hands firmly on the wheel (possibly in an angry but controlled Kung Fu grip) and accept what your punishment. According the Law Office of Charles H. Huber, a Missouri-based practice that focuses on traffic matters and bankruptcy (find them on the web at http://charleshuberlaw.com/, there are three ways you can fight a traffic ticket in court, and give yourself more than a good chance of ending up a winner. Here’s the game plan

  1. Challenge the Officer’s Claim

Let’s assume that the officer who gave you the ticket is honest. That’s good. But it doesn’t mean that he or she is infallible. We all make mistakes, and officers are human beings (and even if they were computers, we all know that computers make mistakes too — sometimes really big ones).

If you legitimately believe that a material error was made — such as the officer misunderstanding what you said, or failing to listen to your side of the story — then you have every right to challenge the claim. In fact, your fellow drivers may even say that you have a responsibility and a duty, so that the officer in question doesn’t go around making the same mistakes over and over. Remember, however, that your argument will be much more compelling if you have witnesses who will testify to your version of events, photos of intersections and signs (or lack of thereof), and so on.

  1. Plead Justifiable “Trafficide”

Was your moving violation necessary in order for you to avoid harm — such as, for example, if you sped up to avoid getting sideswiped on the highway? Or maybe your motive was somewhat less dramatic, such as that you sped up to create enough room for cars merging onto the freeway. If you can make a sound, rational argument that you temporarily broke the law to avoid doing harm or damage to yourself, or to any other person, vehicle or object (e.g. pole, signpost, barrier, etc.), then your ticket might get thrown out.

  1. Explain that You Didn’t Break the Law — Period

If you can prove (or persuade) the court or any other appropriate entity that your actions were legally justified, then you don’t have to plead anything: because your traffic ticket will cease to exist. For example, you may have been compelled to stop your car the freeway shoulder (and perhaps ironically right under a “NO STOPPING ON SHOULDER” sign) because you heard a loud noise coming from your car and thought you smelled smoke. Or maybe you were racing to the hospital because your heart was racing even faster. These are not excuses — they are justifications.

The Bottom Line

Of course, sometimes you just have to bear down and take the (financial) hit. And if you really didn’t try and stop on the yellow or were zooming through a residential zone at twice the speed limit, there’s little you can do except learn from the experience. However, if you have a legitimate case to make, then the above options — and probably with the help of a good attorney who knows how the system works — can help protect your wallet, and preserve your peace of mind!

Finances and Buying a New Home

When you decide to buy a new home, it can be a little more complicated and complex than you imagined. Especially as a first time home buyer, you could be getting into a situation that you are unprepared for. It is imperative to do your research before starting your home search. Finding a good realtor can help you through the process.

Finding a new home is way more than just picking out a home you like. There are many financial factors that go into being able to purchase the home you desire. In order to buy a home, it is likely that you will be financing the purchase through a mortgage. In order to get a mortgage your personal finances must meet certain criteria.

Credit

One factor that goes into your mortgage is your credit score. The better your credit score, the more likely you will be approved with a mortgage. Even if other factors of your life seem to be great for your new home the mortgage company could decline your application for a mortgage because they are worried that you won’t pay it. Sometimes they may just give you a higher rate in order for you to get the mortgage. There are companies out there that have mortgage financing for bad credit. This is a reason why it is important to always be mindful of your credit score and to pay your bills.

Employment

Most mortgage companies require you to provide proof of employment. If you don’t have a job, or proof of income, they will be worried you can’t pay back your mortgage. Not only do you have to prove you have a job, you have to prove you have a steady and reliable job.  For example, you have to have been at a job for a period of time. You can’t just get a new job and apply for a mortgage. You have to be at a company and show you will not be going anywhere soon. Most mortgage companies ask to speak with your employer as well to prove this.

Lending Company

There are many companies out there who provide financing for home buyers. Because of this you can shop around. You can shop around for different terms and mortgage rates. There are many types of mortgages so different companies offer different options. They also have different rates depending on your financial situation and the market.

Homeowner’s Insurance

Another item you can shop around for is Homeowners Insurance. This will be required for you to get a mortgage. As with the mortgage lender, there are many options available and many different price ranges. Be sure you understand what is included under your policy. You want to make sure you are covered in the areas you want to be covered. There are also some aspects of a home that an insurance company won’t cover (knob and tube wiring, pools, etc.) or need additional policies for so it is important to check.

All of these items discussed should be researched prior to shopping for your new home. This way you are going into it knowing what you can and can’t get.