Personal Finance

The flashing lights in the rearview mirror, the sinking feeling in the pit of your stomach, the sweaty palms and racing heartbeat, you got it…you’re getting pulled over. We’ve all been there before. But, what should you do when getting pulled over? Are there a few things that you can do to minimize your chances of getting a ticket?

What To Do When You Get Pulled Over

Do you know what to do when you get pulled over? Here’s a list of things that you can do to maximize your chances of getting a warning and not get a ticket.

Slow down and try to turn

Get over to your right and slow down. Turn on your signal and look for a place to turn into. 

Select a safe place to stop

It is ideal if you can find a place that looks secure for yourself and the officer.  Look for a place where you can get out of traffic, that is well lit and that is safe for the officer to get out of his/her vehicle. 

Think about safety for everyone

Try to position your car somewhere that reassures the officer that you will not speed off. A parking spot with a median or block in front of you, behind another car, or other obstruction may be good choices. You also want to consider

You also want to consider the safety of the officer and your car. It may be a safer choice to pull over on the left side of an interstate for example if there’s ample room. 

You can also slow down, turn on a turn signal, and drive to a safer area if possible. You see drivers doing this in a busy urban area quite often.

Read more

Financial problems have struck almost everybody at one point in their lives. Whether it’s a sudden, unexpected expense, a layoff or just working a job that barely covers your expenses, financial problems can lead to high levels of stress and anxiety.

One of the biggest financial concerns many people face is that of “living paycheck to paycheck.” Stretching yourself so thin that you hardly have any money left over each pay period is a dangerous financial game to play. But it doesn’t have to be a game that you play.

How to Stop Living From Paycheck to Paycheck

There are some tried-and-true ways you can stop living paycheck to paycheck and get your financial future in order.

Set Financial Goals

There is really nothing you can do to secure your financial future unless you actually know what you want that future to be. You can’t just say, “I want money in the bank and a house,” because it’s very hard to judge how close you are to achieving that goal. Instead, you need to set specific, measurable goals that are like mile markers along your journey to financial freedom.

Think of all of the things you want to have in 10 or 20 years and write them down. Then, put them in order from most important to least important. This will give you a hierarchy that will show you exactly what you want out of life and it makes it real to you because you’ve written it down.

Next, do a little research and figure out how much money you will need to achieve each goal. Now you will know about how much money you will need for everything so you can start working on a way to achieve those goals.

Read more

Do you know how to sue someone in small claims court? It may not be as hard or as intimidating as you might think. Small claims court is truly the people’s court and can give everyday folks the opportunity to settle smaller disputes with lower costs and finality.  

How to Sue Someone in Small Claims Court

Here are five things that you need to know about how to sue someone in small claims court.

Figure out who you are suing

Is the person you are suing a person (a heartbeat), or is it a small business.  If so is it an LLC, S-Corp, or partnership, a large corporation, or a governmental entity.  Depending on you who sue, make sure you are properly get their full legal name of the person and/or the entity.  Doing this incorrectly may result in your suit being dismissed. Get your credit and finances on track with Lex OnTrack

Know your limits

Small claims court have jurisdictional amounts, this varies in all 50 states but is typically under $10,000.00.

Know the subject matter of your suit

Small claims usually settle small monetary disputes, you can also sue for ejectment as a landlord in cases of landlord-tenant cases.  Breach of contract, trespass, damage to chattels (property) are common issues taken up by small claims court.

Stay organized

To have the best chance to prevail in any court you have to have evidence.  Provide any and all documents, physical evidence and testimony that you think may be helpful to your case.  Organize your testimony into several questions that directly address the points you want to make.

Read more