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1406, 2017

Being A Homeowner In An Unsafe Economy

By |June 14th, 2017|Editorial, XPC|Comments Off on Being A Homeowner In An Unsafe Economy

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Times have changed significantly, once what was a rite of passage, owning a home, it has now been replaced with a rental economy, increased financial problems across the board, and depending on your location in the world, more taxes and an increased sense of anxiety. Where does this leave people in the modern world when it comes to owning your own home? Your house should be a symbol of security, and yet more and more people are finding themselves seeing where they live as a metaphor for the state of their nation; insecure, expensive, and not theirs to own.

The idea of owning our own home has dissipated for many people over the last 10 years or so. For some, they have appeared to give up hope of ever owning their own piece of real estate, and have opted for the lifetime rental. And there are benefits to renting a property too. While we all can spend years looking for our dream property and plowing money into it to make it “perfect” once we’ve bought it, only to keep reinvesting back into it, does that make the property our ideal home? At least when we rent, the tenant has a proportion of control. Compare renting to buying. Firstly the financial implications of both are very different. Buying a home means saving up for years for a down payment that can range between 3% and 20% of the final cost. And this is before you even think about how much it will cost for admin fees, whether the property is a long chain one, or even if the payments that remain invisible for the vast majority of the process. They say that buying a house is one […]

2705, 2017

You Can’t Drive Around These Road Issues

By |May 27th, 2017|Editorial, XPC|Comments Off on You Can’t Drive Around These Road Issues

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Are the roads more dangerous than we realize? For once, we’re not talking about the people driving the cars. That’s a given, and honestly, at this point, it’s kind of expected. There will always be individuals on the road who don’t drive as safely as they should. There will always be those who aren’t as attentive as they need to be and yes, this will create problems. It will even lead to loss of life, but there might be other dangers that drivers are completely unaware of. What are we talking about here?

Potholes And Problem Areas

If there are any potholes on a road that you drive down regularly, you might not think they are a major problem. Since you drive them so frequently, you can skirt around them, slow right down, or drive fast enough that you don’t even notice them. The problem with this is that the pothole is probably getting bigger with every car that drives over it. The best case scenario is that it’s filled in before it becomes a problem. If it isn’t then it could cause serious damage to vehicles. It might even lead to an accident because it could cause a driver to lose control of a vehicle. That’s just one example of how much of a threat poor maintenance can be on our roads.

However, there are certainly bigger problems.

Aging Bridges

Bridges last around 42 years before they start to show signs of wear and tear. You might think that’s quite a long time, and it is, but there are bridges all around the country well past their sell by date. Bridge analysis companies often find that road bridges aren’t safe to drive on at all. The main threat here […]

2405, 2017

6 Ways To Be Safe on Your Motorcycle

By |May 24th, 2017|Editorial, XPC|Comments Off on 6 Ways To Be Safe on Your Motorcycle

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Riding motorbikes can truly be the most exciting and exhilarating way to get around and to travel. However riding a motorbike obviously also comes with its fair share of dangers, so read up on our top tips to make sure you are safe and protected.

Invest In a Quality Helmet

The helmet that you wear when on your bike is the single most important thing to ensuring your safety. This is not an area that you can afford to scrimp on, so make sure you are investing in a top of the range helmet to protect your head. You will need a high quality, full face helmet which will protect you and as not wearing a quality helmet is illegal in many areas, will also make sure that you are abiding by the law.

Wear Protective Clothing

Thinking of your skin as a soft cheese and the road as a very sharp cheese grater should give you some indication of what happens when the two come into contact with each other. Therefore there is never an excuse for not wearing the appropriate clothing when you get on the back of your bike. Driving around a city should always be done with your helmet, leather jacket, thick trousers and protective bike boots. If you are planning on opening your bike up a little more on quieter roads then you will need the full body protective leather suit and boots.

Insurance

You will need to make sure that you have the correct insurance for your motorbike to protect you against all eventualities. Motorbikes are very popular items for thieves so make sure you have all the right insurance in place to cover you if yours is ever stolen.

Legal Help

Insurance is also crucial […]

1805, 2017

Paying a Fee Whether Guilty or Innocent

By |May 18th, 2017|Editorial, XPC|Comments Off on Paying a Fee Whether Guilty or Innocent

No matter whether you are someone who abides by the law or you live life on the wild side; there is always the chance that you could be arrested. After all, you don’t actually need to commit a crime to be charged. It could be a case of mistaken identity or that the police are simply on the wrong trail. Is it, therefore, right that you need to pay a fee for being arrested, whether innocent or not? Different states have different laws and procedures, but most people are charged a booking fee when they are arrested, and if the charges are later dropped, the fine isn’t reversed.

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The case of Corey Statham was highlighted in the news recently, and it provides the perfect example. He was arrested in Ramsey County, Minnesota, and at the time he had $46 in his pockets. At the time, he was charged with disorderly conduct, but these charges were dropped two days later. Surely Mr. Statham got his money back then, right? Wrong! He was charged a booking fee of $25, which the county kept. The remaining $21 was then returned to his debit card, but it was subject to a number of different fees. Mr. Statham ended up with $13.75 of his $46 left, as he had to pay $7.25 in order to withdraw his money. At present, the Supreme Court are deciding whether they should hear Mr. Statham’s objection to the fund-raising efforts of Ramsey County.

However, this is not an unusual occurrence, as it is part of a national trend to extract fines and fees from anyone that finds themselves enmeshed in the criminal justice system, guilty or not. Last year, a Justice Department report stated that […]

1705, 2017

How Immigrant Entrepreneurs Are Becoming The Latest US Success Story

By |May 17th, 2017|Editorial, XPC|Comments Off on How Immigrant Entrepreneurs Are Becoming The Latest US Success Story

Sometimes, it’s easy to forget that immigration has always been one of the cornerstones of the success of the United States. However, looking at some of the top businesses finding success, there are reminders all around us. In cities like Chicago, immigrants are fast becoming some of the most successful entrepreneurs, which is great for the economy and the country in general. But how are they doing it?

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They’re bringing a perspective previously lacked

Yes, the cultural boundaries between immigrants and their home of choice can sometimes cause friction. But the truth is that a fresh perspective has always been one of the most important qualities that any entrepreneur can have. A new method, a new take on the industry, and some good old-fashioned out-of-the-box thinking are crucial. They have helped many of the successes mentioned at Inc.com do something that their competitors simply weren’t doing. That, in turn, helps the entire industry take the next step and get innovative.

They’re getting prepared for the market

Thanks to the internet, we live in a hugely international community. Sites like EffortlessEnglishClub.com are helping immigrants learn more than the language. People are making connections and forming an understanding of the culture. They’re paying attention to the news and they’re researching the industries. They make the move in their mind long before they make the physical move. Market research is another practice crucial to success. But immigrant entrepreneurs study more than just the market. They study the culture that the market plays a part in. They get a broader picture to find their fit in.

They’re using US experts

The idea that immigrants muscle US professionals out of jobs and opportunities is false. When has the nation ever not had a […]

1105, 2017

Talking To Teens About Distracted Driving

By |May 11th, 2017|Editorial, XPC|Comments Off on Talking To Teens About Distracted Driving

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Driving accidents are rooted in a range of different causes, but in modern times, there’s one safety hazard that needs to be addressed more than any others: distracted driving. These days, almost everyone has smartphones which have all kinds of useful and fun features, which makes it so much easier for us to take our eyes off the road to answer a call or check a message. This issue is particularly prevalent with modern teenagers, and if your kid is of driving age, you’ll naturally be pretty concerned about it. Here are some tips for talking to your teen about distracted driving…

Talk About the Consequences, Financial Or Otherwise

This is the most important thing you need to cover when talking to your teen about distracted driving, and often one of the most effective ways to get them to avoid it. Work on putting in perspective the potential cost of distracted driving, both to themselves and to others. Make it clear that you’re not crazy about the idea of paying their way through a personal injury case, or worst of all, getting a call from the hospital telling you that your child is paralyzed. Looking up some statistics on teenage distracted driving might help you get the point across. Don’t make it one long session of finger-wagging, but make sure that they’re familiar with the consequences of taking their attention off the road.

Make It a Family Problem to Solve

Most people would be lying if they said that they’ve never taken their eyes off the road to do something that wasn’t important. Everyone with a car and a phone has felt the temptation at least! You may find it easier to make your teen responsive to […]

1105, 2017

Why Local News Coverage is Important in Business

By |May 11th, 2017|Editorial, XPC|Comments Off on Why Local News Coverage is Important in Business

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When it comes to getting your business noticed, a lot of focus is often placed on advertising on a national scale. While this is all well and good, you could end up missing out on business that is in your very own backyard. This is where local news coverage still plays an important role for companies both large and small. If you are trying to grow your company, it is important to speaking to local news stations as much as possible. Here are just a few reasons why this is important.

Local News Outlets are Well-Connected

Forming a close relationship with your local news outlet is a great idea as they have contacts all throughout the community. They specialize in everything that is going on in the local area, so getting your business at the forefront of this action is very important. Many local news producers also hold a degree of traction at a national level, and it can’t hurt to form working relationships with people who have connections.

They Can Help to Build Your Media Experience

If you have never had a great deal of experience dealing with the media, speaking to various outlets can help to keep your skills sharp. For example, if you have never appeared on television before, this is a skill that can be honed by appearing on as many regional stations as you can. If your interview is just going down in print, it can help to do a lot of these so you can refine the process of giving quotes.

Your Business Can Gain Credibility

Local news outlets tend to have a great deal of traction in the local community. If for example, you do business in Phoenix, being featured on a […]

1105, 2017

Trump Has Been ‘No-Nonsense’, But Has He Been Criminal?

By |May 11th, 2017|Editorial, XPC|Comments Off on Trump Has Been ‘No-Nonsense’, But Has He Been Criminal?

In a different world, it could be considered outlandish to accuses a Head of State of crimes. The figures who lead the countries of the world are under the highest form of private and public scrutiny and every single one of their actions is highlighted by members of the public and press from all walks of life and from across the political spectrum. If we accuse a head of state of criminal action, certainly – there would need to be heaps and heaps of evidence to back our actions and those who run countries and are in power will certainly do everything they can to avoid the merest hint of speculation.

Now – there have clearly been powerful figures capable of great evil in the past, and even leaders like Nixon who walked a tight-rope above criminality. There are those like Bush and Blair who are accused of war crimes. However, there has never been a leader so outspoken and as defensive as the current President of the United States of America as the current one: Donald J. Trump. Trump was elected by the people of the USA in November 2016 and was inaugurated back in the January of this year. His presidency has been rife with speculation and criticism thus far. But criminal? Could Trump really have to use a criminal defense team to save his term as President?

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One big thing stands out from the Trump presidency though and that is his ‘no-nonsense’ foreign policy. Every single one of his preceding presidents has utilized the use of bomb strikes and drone strikes, but it has been Trump who has quickly defined his reign with military action. In fact, it is Trump who is ordering […]

1005, 2017

Trump And His Promise Of Infrastructure

By |May 10th, 2017|Editorial, XPC|Comments Off on Trump And His Promise Of Infrastructure

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Donald Trump recently passed the benchmark of his first 100 days in office. It is something of an arbitrary metric to use to judge a new president’s suitability for the job. Achievements made on the 101st day would obviously not be included, and since the idea of 100 days has become common, it may induce some presidents to rush certain initiatives in order to superficially bolster the things about which they can boast. Some have suggested that this is the case with Trump, such as the Washington Post, which argued that he ‘scrambled’ to show progress on health care reform and tax cuts. His American Health Care Act (AHCA) recently got past the House of Representatives but is likely to face a much tougher time when it reaches the Senate. In any case, it is estimated that it will not only cover 24 million fewer people, it will cost more at the same time. This comes just as Trump announced a massive tax cut for the super-rich (including his own company). His intention is ostensibly to allow businesses to keep more of their own money so that they can reinvest it to grow and therefore create more jobs. However, the confluence of these events does not seem to add up. If those jobs are not going to cover people who are no longer insured, it was probably a bad move on Trump’s part. He did achieve some things in his first 100 days though. The confirmation of Neil Gorsuch to the supreme court ended what was a long attempt on behalf of Republicans to stall the appointment until they could be the ones deciding on who was taking the seat.

Another promise that Trump made, […]

605, 2017

Why It Doesn’t Pay To Be A Private Person

By |May 6th, 2017|Editorial, XPC|Comments Off on Why It Doesn’t Pay To Be A Private Person

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Since the recession, it seems as if every worker wants to flock to the private sector. After all, the industry has security, a healthy rate of pay, and excellent benefits. The public sector, on the other hand, has been taking a hit. So, if you’re in the process of choosing a new career, it might seem like it pays to be private. Although that is the perception, it isn’t always the reality. The truth is that the public sector has a lot to offer, even more than going private.
Here are the reasons it’s better to be open regarding your career.
Flexibility

Among the most flexible employers are the ones in the public sector. When you think about flexi-time and a work life balance, you think about nationalized companies. You see, a limited business doesn’t care about employees in the same sense because profit is their main aim. Public enterprises are different because they are state owned. They have to worry about makes their workforce tick as they have to be at the forefront of the revolution. As a result, they are constantly introducing new policies which bring a nice balance to work and life.

Student Loans

If you want a fantastic job, you will need a college degree. That isn’t supposed to pressurize you, but it should open your eyes. The gap between the classes in terms of education is getting shorter. As a result, more and more people have degrees, which is beneficial for employees. They can take their pick, which means you need to stand out from the crowd. The problem with going to university is the cost. Student loans are pretty extortionate, so paying them back can be hard work. The good news is […]