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504, 2017

Corporate Cost-Cutting Conceptualization

By |April 5th, 2017|Business, XPC|0 Comments

We are all penny-pinching, and we need to. If you run a business where you are just starting out, you need to find ways to cut costs wherever possible, and it’s difficult! The one thing that causes a small business to go under is a major lack of finances. We are constantly dealing with people that take up a lot of our time, which means we can struggle to keep all of our plates spinning properly. And we can easily get overwhelmed at the thought of running a company that the dream you had about being in charge of a group of individuals, getting your ideal product to the masses is slowly turning into a nightmare! But, there are some simple ways to keep track of your finances, and it’s all about planning…

Do you have an inventory? If not, it may be worth starting one to see what items you are buying two of. Even the small items like pens and staplers will add up, so put them all together in a central location and tally them up! Small items may seem like a very minor detail, but as they say, it all adds up!

A cloud-based operating system is a standard way to keep all of your information in one place. There are many free cloud programs available, which will provide backups of your data if your systems have a major fault or virus. One computer crash could cause the end of your business so you need to backup files where you can.

Supplementing your income is a very simple and common-sense way to make sure that you are keeping your head above water financially, and forex is one way that people find a balance between […]

304, 2017

Martin Endorses Chad Connelly for Congress

By |April 3rd, 2017|Congressional, Contested Races, Politics, South Carolina, State|0 Comments

Karen Martin, leader of the Spartanburg Tea Party endorses Chad Connelly for Congress.

Under Chad’s leadership, we saw record turnout of evangelical voters in the 2016 presidential election.

304, 2017

Mike Hamlet for Chad Connelly

By |April 3rd, 2017|Congressional, Politics, South Carolina, State|0 Comments

Dr. (Pastor) Mike Hamlet of North Spartanburg Baptist Church recently spoke at a Spartanburg GOP Executive Committee meeting in regards to supporting Chad Connelly for Congress.

Chad Connelly is currently running for the 5th District seat in South Carolina which was previously held by Mick Mulvaney. Mulvaney was appointed by President Trump to be the Director of the Office of Management and Budget (OMB).

Special Election for the 5th congressional seat to be held Tuesday, May 2, 2017.

304, 2017

Dodge These Debt Traps

By |April 3rd, 2017|Financial, XPC|0 Comments

Debt always starts with one bad decision. You probably didn’t know that, but it’s true. One bad decision, one mistake and you can end up owing a sum of money that you can’t afford to pay back. If you know the mistakes, you will be able to avoid debt, no matter how bleak your financial situation looks. Let’s start by thinking about living on credit.

A Plastic World

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More people than you think live on credit. It’s actually one of the main causes of the 2008 financial crisis. A lot of people were living well beyond their means by borrowing money which is a problem. Eventually, when you borrow you’ll have to pay back, and if you can’t, you’re in debt. The issue here is that borrowing money is ridiculously easy. Once you have a credit card, you can buy whatever you want. Max out that credit card? It’s not that difficult to get a different company to give you another. As such, you want to avoid living on credit as much as possible. If you do spend money that you don’t have, you need to pay it back as quickly as possible. Otherwise, you can end up with a more serious issue.

Red Credit

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We think of credit in two ways. Either you have a score that’s green and healthy or one that’s in the red and potentially dangerous. A poor credit score means that you’ll find it very difficult to borrow any money which might seem like a perk. But what if you desperately need to borrow? For instance, you might want to buy a house. If you have a bad credit score, you won’t be able to get a mortgage deal. Instead, you’ll […]

304, 2017

Recognizing The Signs Of Alcoholism

By |April 3rd, 2017|Health, XPC|0 Comments

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When does a few too many drinks become an alcohol problem? Self-diagnosing an alcohol addiction isn’t always easy. Men and women are recommended 14 units a week, but many of us go over this limit, sometimes in a single binge session. More often than not, it’s not how much we drink, but the effect that this drinking has on us and other people determines whether there is a problem or not. Here are just a few of the common danger signs.

Your friends and family are worried about your drinking habits

If friends and family are expressing their concerns, then this generally a good sign that you should curb your habits. You may still feel you are fully-functioning and that your friends and family only feel this way because they are not drinkers themselves, however, your behavior could still be leading people around you to feel concerned and uncomfortable. Talk with these friends and family members try to determine the root cause of their concern – it may be something more serious.

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Drinking has got you in legal trouble

If you drinking behavior is getting you in trouble with the law – either getting into fights, partaking in vandalism or drinking whilst driving – this is a sure sign that you should reassess your drinking habits. A criminal record could lead you to lose your license, job prospects or affect where you can travel. You may be able to make a legal claim if it is a one-off offense and the stake are serious – specialist criminal lawyers such as The Fenster Law Firm could be worth investing in. From here, limit your drinking and take steps to rebuild your reputation by going to AA meetings or […]

304, 2017

Why Don’t Men Like Going To The Doctor?

By |April 3rd, 2017|Health, XPC|0 Comments

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According to research, something in the region of 60 percent of all men refuse to go to the doctor, even when suffering from illness or displaying symptoms of a condition that could be life-changing. Only three out of five get an annual checkup, too, and the general stereotype of health as a subject men won’t discuss is true. It’s a sad state of affairs, and it begs the question: why don’t men like going to the doctor?

There are, of course, many different factors involved, and we’re going to take a look at a few of them most common reasons with you today. If you recognize any of these factors, perhaps a change of mindset is needed. Who knows, maybe you might give yourself a chance of a healthier and happier lifestyle?

Men get out of the habit early

Boys and girls are taken to the doctors whenever they are ill – almost no questions asked. But as the two sexes hit their teens, there is a significant shift. Female teenagers start having gynecological checks at an early age, so going to the doctor almost comes as a second nature for life. Adolescent boys, however, stop going unless it is absolutely necessary – they lose the habit. That means that when men start to get older, they are more likely to grin and bear it than seek out help.

Image Credit: pixabay

‘Too busy.’

Given that men are often the primary breadwinner in the household, it’s no surprise that lack of time features highly on their list of excuses for not embracing healthcare. And to some extent, they might have a point – there is a lot of pressure to perform in the workplace, and many men see being […]

3103, 2017

Rental Law: Dealing With Troublesome Tenants

By |March 31st, 2017|Business, XPC|0 Comments

Renting out property can be a smart financial move, and a lot of landlords earn a good income from doing so. However, sometimes landlords end up with troublesome tenants, which can lead to all sorts of problems.

When a problem occurs with a tenant, a lot of landlords are unsure of how to handle it or where the law lies, which makes dealing with the issues somewhat complicated. However, the good news is that it doesn’t have to be a struggle to navigate the rules that are in place, it’s just a case of being clued up about what the law states.

With that in mind, below are some tips and pieces of advice for dealing with troublesome tenants without the stress and upset that occurs a lot of the time in these instances.

Photo from Flickr

What to do when a tenant refuses to pay their rent

From time to time, landlords will come across tenants who stop paying rent. Sometimes this is because of a dispute about something that needs repairing in the property, because the tenant has been out of work, or because they simply don’t want to pay.

When this happens it can cause a lot of stress for the landlord. However, it’s important to realize it is easy to fix an issue. The first step is to talk to the tenants about why they aren’t paying their rent, if it’s because something needs fixing and it is yet to be done, have it dealt with immediately.

If it’s because they can’t afford to pay, there are a few options to consider. The first is reducing the amount of rent that the tenants pay – it’s often better to cut the rental costs by a small amount rather […]

3103, 2017

Is Bankruptcy An Option For Businesses?

By |March 31st, 2017|Business, XPC|0 Comments

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Bankruptcy is one of the greatest fears of any company. The thought of going out of business and ruining your credit rating isn’t nice. Therefore, firms avoid bankruptcy like the plague because they feel it can only make their situation worse. What might surprise you is that it is a tool which businesses can use to their advantage. Yes, bankruptcy can help you become debt-free and give you a clean slate. But, you have to ensure that you tick all the right boxes to reap the benefits. Here’s what every company needs to consider before they file.

Are You Allowed To File?

A common tactic today is to file for a Chapter 7 because a Chapter 13 can be harsh. As shows, the cons of Chapter 13 are wide-ranging. Plus, a Chapter 7 allows firms to continue operating in the majority of cases. However, you won’t be eligible in certain circumstances. If for example, you have enough money to pay your creditors, the courts won’t let you file. True, they don’t know the extent of your finances, but lying will put you in a worse position.

The Future Isn’t Bright

Bosses like to hit the panic button as soon as they fear the worst. The truth is that most situations can change in a short time. If this is the case, there is no need to file for bankruptcy. A large cash injection, for instance, will stave off the creditors and keep you out of the clutches of the courts. Any businesses that can’t see a bright future should think about the flip side. When the future looks as bleak as the present, bankruptcy is usually the only option.

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Secured Vs Unsecured Debts

There are two […]

3103, 2017

Standing Your Ground When The Going Gets Legal

By |March 31st, 2017|Editorial, XPC|0 Comments

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The law can be a troubling thing. Most people only know the very basics of what’s legal and illegal. And, don’t have a grasp of the subtleties that come with this area. This is understandable, though. Most people don’t have time to spend researching how the law works in their country. But, without this knowledge, it’s impossible to know if you’re being treated fairly; if you’re ever in trouble. A lot of the time you would need the knowledge, you may not have done something wrong. So, it’s critical that you start learning. To help you out, this post will be helping to you find the resources you will need to get up to date on the laws and legislation in your home.

Getting a solid understanding of your local laws will take some time. Most countries are different when it comes to law. So, first, you have to make sure that you’re looking at the right resources to help you. In most cases, your government websites will be the best place for you to search. You can start with something easy, like the rights that police officers have in your home. And, how long jails can hold you before you go to trial. If you don’t know what the police are allowed to do to you; it’s impossible to know if you’re being treated fairly by them. Once you’ve mastered basic laws like this, you can start to shift your focus onto more pressing things.

Having an idea of what the police can do to you and what your rights will be in court is great. But, you should be preparing for the worst, at the same time. You never know when you might have […]

3103, 2017

Recognize All The Dangers To Your Employees, Not Just The Obvious

By |March 31st, 2017|Business, XPC|0 Comments

There shouldn’t be any employers with any illusions about how responsible they are for the health and safety of their employees. But the risk of having to pay worker’s comp or having to fight a court case against an injured employee aren’t the only things that should be on your mind. The potential dangers to your employees can be a lot more varied, a lot more dangerous, and a lot costlier. In this article, we’re going to look at why you should ensure you have a thorough health and safety policy.


All it takes in the wrong environment

There doesn’t have to be a major accident for someone to be in danger in the workplace, for one. Sometimes, all it takes is a workplace that is simply unhealthy for them in the long-term. One of the greatest risks to employees at the moment is repetitive strain injury and back injuries from poor ergonomics, for instance. But there are many employers who don’t go as far to think about other environmental risks such as noise pollution, or insufficient lighting in the workplace. These risks can lead to issues such as cases of tinnitus and eyestrain or migraines, respectively. Whereas poor air quality can lead to the development or exacerbation of asthma and other respiratory diseases as mentioned at An employer could be held legally responsible for all of these developments.

A minor slip up can mean a major accident

Workplace accidents are still far too common. But an employer should know that having to pay workers’ comp isn’t the worst outcome of an accident. Something as simple as a poorly maintained floor can lead to fatal slip. As states, workplace accidents are one of the most common causes […]