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9 things a home warranty does not cover

9 things a home warranty does not cover
A home warranty is a service contract that offers financial cover for the wear and tear of a home’s appliances and systems. So, if something breaks down, the homeowner does not have to bear the cost of repairs. Rather, the warranty company will cover the expenses. But it is important to note that a home warranty does not cover all repairs. When signing the contract, one must take note of the exclusions. Cosmetic repairs Cosmetic repairs are made solely for aesthetics or to improve the home’s appearance. A home warranty does not cover such repairs. It only covers the cost of damages caused by normal wear and tear. For instance, if an oven breaks down or stops working during regular use, homeowners can expect the home warranty to cover the expenses. The contract will not cover the price of fixing scratches or dents on the oven because it counts as cosmetic repairs. Outdoor elements Another big thing a home warranty excludes is the cost of repairing fixtures outside the house. Examples are pools, spas, and septic systems. The contract may also leave out outdoor plumbing systems and their parts, like sprinklers, faucets, and valves. While most home warranty companies do not cover these things in their standard package, some offer add-ons that include outdoor elements.

8 critical home renovation mistakes to avoid

8 critical home renovation mistakes to avoid
Home renovations are a major task, especially if you own a big house with a complex design. A lot of deliberation must be done before the project can even begin. Right from coming up with ideas to drawing a plan on paper, you need to consider multiple factors before hiring professional contractors for the job. Further, you must avoid making the following mistakes in planning and executing the home renovation project. Miscalculating your budget Everything costs money. Whether simple repairs or a complete makeover, you must be prepared to spend your hard-earned bucks. But that doesn’t mean you can’t set a realistic budget. Typically, a home renovation is estimated to cost 10% to 15% of the home’s total value. Whatever the estimate, always keep an additional 10% to 20% buffer over the agreed amount. Experts suggest this as a general rule of thumb for calculating the final cost. Material and labor rates keep fluctuating, so you might end up underpaying or overpaying depending on the extent of the job. The bottom line is never underestimate the budget, or you may fall short of the actual costs. Neglecting the natural layout of your home Home renovation is a complex job. It involves making significant modifications to the entire space, including the living room, bedroom, and kitchen.

Types of lights to enhance the existing home décor

Types of lights to enhance the existing home décor
Lighting helps set the mood of a room. When done correctly, the results are simply jaw-dropping! You can play around with different types of lights in different areas of the house to see what works. While at it, you can even experiment with smart fixtures that integrate with the internet for remote control. If you can’t think of anything, look at these simple types of lights for home décor and find inspiration! Ambient lighting This is the most basic type of lighting that illuminates a room or a particular area, such as the dining space. The light could reflect off walls for uniform brightness throughout. The primary ambient light source could be anything, like a chandelier, pendant lights, or LEDs. Many homeowners prefer chandeliers hung from the ceiling as they both enhance the look and feel of the room while illuminating the entire space. Don’t limit your creativity when installing chandeliers. You can add a single unit in the middle of the room or multiple at fixed intervals. If you decide to buy pendant lights for ambient lighting, you will find many modern options with LEDs. LED lights provide a cooler shade that doesn’t strain the eyes when switched on for extended periods.

8 ways to find water leaks at home

8 ways to find water leaks at home
Households rely on running water to carry out all kinds of tasks, from drinking and bathing to watering plants. This supply can stay uninterrupted as long as the water is safely contained in pipes. The problem arises when water finds gaps and leaks, potentially damaging the home’s structure. One way to prevent such damage is to check for leaks around the home. So, here are a few ways to find hidden water leaks: 1. Monitoring the water bill Over time, one tends to have a clear idea about the average water bill they can expect each month. Sometimes, one may use excess water, which could drive up water usage. However, sometimes, one can get a high water bill even without excessive usage. Such unexpected charges should be monitored as they could be signs of leakage in the house. Even tiny leaks, such as a faucet with a steady drip, may waste as much as 10,000 gallons of water per year. So, tracking the bill each month is the best way to identify and fix a water leakage at the earliest to prevent spikes in bills. 2. Checking meter readings Monitoring the water meter is another method of tracking a leak before it worsens.

9 ways to get a personal loan with bad credit

9 ways to get a personal loan with bad credit
The term “bad credit score” can be quantified in many ways. For example, as per FICO ratings, a score of below 670 is considered poor. Likewise, VantageScore has its threshold at 661. A bad credit score greatly reduces an individual’s chances of getting loans from banks and other financial institutions. Nevertheless, there are certain borrowing avenues and ways to get personal loans with bad credit scores. Some of those useful options include: Make soft-credit inquiries This avenue is known as seeking prequalified loans from banks. Several lenders allow customers to submit prequalification online to let them see their estimated loan offers without affecting their credit scores. Soft-credit inquiries are effective for receiving a pre-approved loan from banks and other financial institutions that lend money to individuals. This process involves discussions with several potential lenders to assess one’s loan options. One must avoid making hard credit inquiries (loan inquiries in which lenders request to review the loan seeker’s credit report, as opposed to soft-credit inquiries that only involve talks), as that can further lower one’s credit score. Keeping personal identification handy Before agreeing to sanction loans for individuals, banks need them to reproduce their personal documents, including their social security number ID, driver’s license, W-2 forms from the previous two years, two most recent bank statements from all accounts, recent utility bills, mortgage statements, pay stubs, federal tax returns of the last two years, and other documents that verify one’s residential address, personal loan information, and overall contact details.

9 types of resorts to avoid

9 types of resorts to avoid
Resorts are among the most popular accommodations for individuals, couples, and families on vacation. With their lush gardens, swimming pools, and overall laidback vibe, resorts are the perfect destinations for relaxation. However, not all resorts offer the best facilities and services, making some of them not worth the money. Say, a lack of cleanliness, improper security for guests, or poor service can make the stay unpleasant. So, here are some resorts one should avoid: 1. Resorts with poor housekeeping services Many budget-friendly resorts may compromise on cleanliness. Often, their staff may have not undergone proper training to keep rooms clean and sanitized at all times. So, one must not settle for unclean accommodation when they plan their vacation. While making holiday plans and booking accommodation online, one must check customer reviews to see if anyone has complained about unclean rooms, lobbies, pools, or hallways. Upon finding multiple complaints of poor housekeeping services, one should reconsider their decision to book a stay at the resort in question. 2. Poorly rated resorts Online ratings and reviews play an important role in the service and hospitality sectors. One can simply look up the name of a resort, and they will find everything there is to know about it through online ratings given by former guests.

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6 mistakes to avoid while booking a hotel

Various online platforms have made booking accommodations a breeze. Whether you are traveling within the country or abroad, you need to make sure that you have chosen the right place to say and made the bookings correctly, so there’s no issue when checking in. However, certain common mistakes people tend to make when booking hotels can put a hitch in their trip. Here’s a list of six such booking mistakes that you should avoid: Not clarifying the different elements of the rate Many a time when making a booking, people just see the room rate. They forget to check out other additional components of the room rate. For example, many forget to find out about taxes. If you are booking online, there are resort fees that you may not see immediately and forget to check about. The resort fee is an amount charged for certain amenities at the property and is mostly not part of the basic room rate. You may realize the extra amount to be paid only when you arrive at the hotel, and at that time, it is too late to cancel your booking without paying a hefty fee. Therefore, it is best to gather all information before you make the booking. This way you will not end up being in a sorry state spending more than budgeted for the trip. Choosing non-refundable rates to book the room This could be another big blunder. Non-refundable rates usually are lower rates than the normal rates, that’s why these are so attractive. Sometimes, the non-refundable tag are prominently displayed but at times it can be mentioned in tiny fonts somewhere below that is easy to miss. Unfortunately, situations can change anytime and what was once a confirmed trip, you may need to cancel the booking eventually. There could be an emergency at the home, or office, or you may need to change the dates, etc.

7 things to avoid doing when staying in a hotel

Staying in a luxurious hotel can be exciting. You can enjoy several amenities, personalized services, and complimentary benefits. But you should be cautious. Experts and travel enthusiasts have devised several dos and don’ts to follow when in a hotel to avoid confusion and make the trip more memorable. Special focus should be on the don’ts as these can risk your safety in a new place. Here are seven things to avoid doing in hotels: Opening the door instantly Many instantly reach out for the doorknob on hearing the doorbell or a knock. This is a big mistake. While it is okay to assume that the person on the other side would be a housekeeping staff or an F&B person, it is best never to take a chance. This is especially applicable if you are in another country, traveling for the first time to a place, or staying at the location as a first-time guest. Verify the visitor’s identity before opening the door. You can do so by looking through the peephole or glancing outside through an adjacent window. Letting strangers inside can be costly if they turn out to be someone with the wrong intent. Packing the hotel’s bathrobes in your suitcase This is nothing short of stealing; you could be in big trouble if caught. Besides the legal hassles, pilfering the hotel’s properties speaks poorly about your manners. Taking a small bottle of shampoo, conditioner, or body lotion may be okay because these usually end up in the trash. But not bathrobes for sure. Similarly, do not just pick other linen pieces, small electronic items, or any artwork from the room. Hotels conduct a thorough inspection after you leave and could impose legal charges if the offense is serious. Using throw pillows In luxury hotels, you may see throw pillows lying on sofas, chairs, and other sitting areas.

7 easy ways to accessorize any outfit

Accessories tend to not only enhance your attire but also make you appear vibrant. Be it a casual chic look or an utter formal attire, adding some flash and bling just infuses life into your overall appearance. However, your accessories can perform their assigned role correctly only if perfectly styled. Here are some easy techniques and tips you can apply to up your fashion game and bring the best out of your outfit: Do not pile up on accessories at a time Most people commit the mistake of donning all the available accessories at once with an outfit. It must be noted that as far as accessories are concerned, less is always more. The purpose of using accessories is to highlight your outfit. However, if you adorn your outfit with several accessories like a watch, scarf, jewelry, sunglasses, hat, etc., all at once, none of them will stand out, making your outfit look cluttered and even awful. Highlight neutral clothes with bold accessories While neutral-colored clothes can look dull and understated, they are also the most perfect ones to be used as a field for experiments. If your wardrobe is filled with neutral colors like olive, navy, beige, white, or black, now is the time to boost them by pairing them up with some bold-colored accessories. Here are a few methods to do that: Pair a navy or black dress with a thin hot pink or red belt. Highlight your dull olive or khaki clothes using a flashy yellow or orange scarf. Add some hue to your colorless white blouse by pairing it with big drop earrings or a multicolored statement necklace. Don’t be too matchy While it could be tempting to pair up the blue polka dots of your dress with some matching blue shoes, a blue necklace, and blue earrings, it would make the outfit too predictable, boring, and even childish.

8 must-have accessories for men

Accessories tend to constitute a crucial part of outfits. They are those magical wands that have the power to infuse life into the dullest of clothes. However, they can be equally intimidating if one is unaware of the basic rules of accessorizing and invests in the wrong pieces. So, here is a list of men’s accessories that never go out of style and, therefore, are a must-have in one’s wardrobe. Sunglasses When it comes to accessories, nothing comes close to a pair of sunglasses. They are practical, flattering, and the perfect solution for hiding the shadows under your eyes. Not to forget, they play a vital role in protecting your eyes from the sun’s harmful UV rays. Besides that, they are here to stay for a long time unless broken due to a mishap. Make sure you keep the style classic and subtle with tortoiseshell or black frames and dark green, black, or brown lenses. Wallets While paying for your necessities is now as simple as swiping a card or transferring through a smartphone, the charm of billfold wallets doesn’t seem to subside. And why not? They are practical, strong, yet flexible enough to accommodate their contents effortlessly, and, most importantly, they are durable too. They come in various prints, colors, and designs to suit every personality. One can also get them customized with initials or personal charms. Stainless steel watches These are the practical, no-nonsense cousins of the gold watches with a long lifespan. Besides that, they are extremely versatile. A classy watch can instantly amp up any outfit – be it a formal suit or a casual T-shirt and jeans. One can never go wrong with this men’s accessory. Durable belts Belts are not merely for holding your trousers in place; they also add to your overall look.

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5 styling ideas for women over 60

5 styling ideas for women over 60

Age is a number when setting a true style statement. Regardless of anyone’s perception, just because you are reaching the 60s doesn’t imply to stop working on your appearance and renounce your desires to look fabulous. Fashion is not just merely about trends; it is about how you express yourself through clothes as the myths of age must not limit your expression. So, here are a few best styling ideas for women over 60: Embrace your age One of the most typical fashion mistakes people make is choosing outfits that are supposed to make them appear younger than their actual age. The problem with such a choice is that you are paradoxically accentuating your age when you try to look younger by wearing an outfit that will be more appropriate for youngsters. For example, if you don high heels, short skirts, or flashy fashions that might be more appropriate for a person half your age, you are indirectly making yourself appear “older.” Instead, you can opt for clothes that are specially tailored for women your age. Sporting “age-appropriate” dresses will conceal your age and make others appreciate your other features like glowing skin or your build. And consequently, you will appear much younger than your actual age.
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5 tips to prevent and manage ulcerative colitis

5 tips to prevent and manage ulcerative colitis

Ulcerative colitis is a long-term inflammatory disease that triggers inflammation and ulcers in the digestive system. It impacts the colon and rectum’s innermost lining. The symptoms are typically produced over a period rather than unexpectedly. According to the latest studies, about 1 million people have ulcerative colitis, and if left untreated, it can be crippling and cause life-threatening conditions. So, here are 5 tips to prevent and manage ulcerative colitis: Get on with the treatment plan immediately Even though there is no concrete cure for ulcerative colitis, proper treatment can help ease the symptoms and signs of the condition and eventually provide long-term remission. If a patient feels that their bowel habits are consistently changing or if they experience any of the following symptoms and signs, they should immediately consult a doctor: Blood in stool Ongoing diarrhea that is not getting cured by any other types of treatments An unknown fever going on for more than a day or two Abdominal pain Diarrhea that wakes up the patient from sleep The treatments prescribed by the doctor will typically include a combination of oral therapy or surgery. As far as oral treatments are concerned, the doctor may prescribe any of the following types of therapies, depending on the patient’s existing condition:
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