Things not covered by a home warranty

Things not covered by a home warranty
It is common for household appliances and systems to break down or malfunction due to wear and tear or an accident. Whatever the reason, buying replacement parts or a new appliance can be expensive. In such situations, a home warranty can be useful as it offers financial support to homeowners to replace or repair an appliance. However, everything is not covered by such a warranty. Here are some things that a home warranty doesn’t cover. Washer, dryer, and fridge While most home warranties cover several home appliances, washers, dryers, and refrigerators are generally the exception. This is true for a majority of the standard home warranty contracts. However, some warranties may allow consumers to add or enhance the coverage to include these appliance cases in the contract. So, homeowners who are worried that these appliances may break down sooner than they expect must read the fine print of the contract. It is important to ensure these appliances are included in the standard contract or the enhanced one, whichever is feasible. Garage doors and tracks Usually, garage door openers are covered by most standard home warranty contacts. But they do not include the garage door and track. Similar to washers and dryers, it is crucial to read through the home warranty contract to ensure the garage door opener is included.

5 tips to avoid house sitting disasters

5 tips to avoid house sitting disasters
House sitting has become popular over the years for several reasons. The sitter gets to live or stay in the property temporarily in exchange for taking on a host of responsibilities, like ensuring the house is safe, by mutual agreement with the homeowner. However, as easy as it sounds, each home is different, and many variables must be considered before agreeing to the arrangement. Here are five tips to remember to avoid house-sitting disasters: 1. Conduct a house-sitting risk assessment Before accepting the house-sitting agreement for a rent-free stay, one should always conduct a risk assessment. Problems one may encounter include pets falling sick, leakage or flooding in the house because of a broken pipe, and the possibility of the owners not returning on time, affecting the sitter’s future commitments. One should speak to the owner about all their concerns before agreeing to house-sit. 2. Ask for pictures of the home One might often agree to a job and dislike the setting later because they never looked at the home’s photos. The home sitter needs to be comfortable in the home, and photos and videos are the best way to determine if they want the job. Additionally, looking at pictures could help identify and address responsibilities that a busy homeowner may forget to mention.

5 benefits of funeral expense insurance for seniors

5 benefits of funeral expense insurance for seniors
The average cost of burials and funerals in the country can range between $7,000 and $12,000. This cost includes viewing, service fees, burial casket, transport, and other preparations. Cremation may cost between $6,000 to $7,000. This is why individuals, including seniors, could consider signing up for funeral expense insurance that could help cover most costs at a specific premium. This article explores five benefits of purchasing funeral coverage for seniors. Lowered stress Losing a family member can be stressful for anyone. During this period, one might not be able to handle the complications associated with planning the funeral. In such situations, funeral expense insurance could help loved ones feel less stressed as it covers most of the costs associated with the service. Doing so will allow family members to pay full attention to other elements of the funeral without worrying about the money. Assured financial security A funeral expense insurance policy provides financial security to the loved ones of the deceased. The coverage helps ease the strain of factors associated with burial, cremation, and other funeral expenses so that the deceased’s family does not have to worry about the expenses. The family members can focus on other things about the funeral and rest assured that the associated insurance firm covers the expenses of the funeral.

5 common dating mistakes to avoid

5 common dating mistakes to avoid
Dating can be both exciting and complicated. While it can be an exhilarating journey filled with new experiences, it can also be a minefield of potential blunders. As one gets to know someone on a deeper level, something might come up that can create an obstacle to developing a fulfilling and healthy relationship. Yet, it is possible to avoid such obstacles by steering clear of common dating mistakes many people make. Taking things too fast During the early stages of dating, it is normal to get caught up in the dopamine rush of the new relationship. For many, this means dealing with the temptation of crashing through all the major milestones of the relationship as soon as possible. So they end up committing the mistake of moving things too fast. For instance, one may confess their love after a couple of dates or want to meet friends and family only after two or three dates. This may seem like a good idea initially, but it may turn out to be a blunder in case the relationship does not work out after a few months. So, it is important to take things at a slower pace, at least for the first three months.

5 mistakes to avoid when choosing a payment processor

5 mistakes to avoid when choosing a payment processor
Dealing with business growth and goals can be an exhausting task. It brings about enough stress even when things are going just right. Opting for a payment processor program that helps streamline some processes can make the business run more efficiently, especially when the business is just starting off online. However, when trying to choose the right one, people end up making some common mistakes they could have easily avoided. Not considering fees A low rate does not automatically equate to overall low costs. This is a common mistake most people make. Different payment processors have varying processing fees and rates, making it challenging to choose the right one. Some processors may have a list of non-qualified cards. When customers use these cards, the payment processor may charge a higher fee, leading to additional costs. To avoid such unnecessary expenses, it is better to find a payment processor that does not charge extra on most cards. One can simplify the search by looking for payment processors that offer transparency on fees and other costs. Ignoring security When it comes to financial transactions, no one should compromise on security features. Regardless of how small or large the business is, customers deserve complete protection.

5 lesser-known VA benefits for seniors

5 lesser-known VA benefits for seniors
After veterans quit active duty and leave the armed forces, they become eligible to receive several benefits from the U.S. Department of Veterans Affairs (VA). These privileges ensure they have the necessary support to transition back to civilian life successfully. However, many senior veterans find it challenging to fully take advantage of their earned military perks. As a result, they often miss out on certain lesser-known benefits that are specifically designed for senior veterans. Housebound benefits Sometimes, elderly veterans may have to stay confined to their houses due to permanent disability or chronic health conditions that restrict their mobility. In such cases, one can take advantage of the lesser-known housebound benefits provided by the VA. This is received in the form of monetary relief. A veteran can use this to hire additional help, purchase essential items online, and carry out repairs at home. The amount of this relief usually depends on the number of dependents the veteran has.  Long-term care and caregiver support Long-term can be quite expensive and often unaffordable for many. However, with many seniors requiring life-long care, it is helpful to get some level of assistance. Fortunately, the VA provides aid and attendance programs to senior veterans who require assistance and care.

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Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Even during non-festive periods, smartphones sell like hotcakes in online and offline stores. Most tech enthusiasts routinely feel the need to get their hands on the latest models of their favorite smartphones. With Black Friday 2023 still several weeks away, shoppers can check out the features of their favorite smartphones. All the estimated deals listed in this article are based on the existing retail discounts, and buyers can expect similar bargains this Black Friday. High-range smartphones 1. Different variants of Apple’s iPhone make up the top 4 of the bestselling smartphones in the country. On many retail sites, devices such as the Apple iPhone SE 5G are being sold with discounts that range from about $200 to $250. This means that there is a high percentage chance that similar or better deals will likely emerge for such devices when Black Friday looms closer. The Apple iPhone SE 5G offers fantastic features such as lightning-fast processors, 5G connectivity, 4K video recording capability with 60 FPS, the unique Dynamic Island display, IP67 water resistance, and many more. 2. Samsung’s Galaxy devices come second in the sales pecking order after Apple’s iPhones when it comes to the smartphone market leadership. With the presence of Black Friday looming on the horizon, users can expect great deals on their favorite Galaxy smartphones. For instance, the Galaxy Z Fold 5 is available on many retail sites with existing discounts ranging from 10% to 15%. Shoppers may possibly find such (or better) discounts during the upcoming sale period. The Galaxy Z Fold 5 is a one-of-a-kind foldable phone packed with incredible features such as a massive display, dual-app viewing, immersive gaming experience, super AMOLED screens, and many other niceties. 3. A device that is likely to offer massive discounts during Black Friday is the Google Pixel 7.
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10 Incredible Black Friday Deals to Expect on Laptops in 2023

10 Incredible Black Friday Deals to Expect on Laptops in 2023

Laptops combine the power of desktops with the portability of smartphones, making them suitable for several tasks. But this is also why they tend to be pricey. Unsurprisingly, many wait for sales like Black Friday to buy the model of their choice. Below are ten types of laptops and the Black Friday 2023 deals one can expect on them in the coming months. The discounts listed are based on last year’s sale and current prices. 1. Dual-screen laptops Unlike older dual-screen models, newer ones are much more efficient and non-gimmicky. They have secondary displays with anti-glare capability that perfectly complement the primary screen. A great option is the ASUS Zenbook Pro Duo UX581. It comes with a 15.6-inch 4K UHD NanoEdge touchscreen glossy main display, a cutting-edge Intel Core i7-9750H Quad Core Processor, and a 14-inch 4K matte touchscreen for seamless scrolling and usability. Last year, Amazon sold specific variants of the Zenbook Pro Duo for a discount of 15% in the run-up to Black Friday. 2. Gaming laptops Gamers need laptops that are responsive, less prone to overheating, and armed with high-end graphics cards. In short, they seek devices that will not leave them high and dry in the middle of a high-octane, graphics-heavy game by being laggy and annoying. Thankfully, several gaming laptops tick these boxes, an example being Lenovo’s IdeaPad Gaming 3. The device has incredible features, such as the latest AMD Ryzen 6000 Series processors, GeForce RTX 30 Series GPUs, and Rapid Charge technology to boost battery by 40% in just 15 minutes. Amazon reduced the price of specific IdeaPad Gaming 3 models by $300 last Black Friday, so gamers can hope for similar savings in 2023. 3. Chromebooks Those who prefer the ultra-reliable Chrome OS can check out Acer’s Chromebook 315. It has a powerful Intel Celeron N4020 dual-core processor, a full HD IPS touchscreen, and over 12 hours of battery life!
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