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Individuals must prepare for any eventuality when they purchase a home. Things break down with time, and any damage caused by normal wear and tear won't be covered by the homeowner's insurance policy. The homeowner becomes responsible for paying any fees associated with the repair or replacement of the home system or appliance in question. What can they do to keep repair and replacement costs under control?
Many homeowners choose to invest in a home warranty. What is this warranty? What are the benefits of buying the policy, and what do homeowners need to know when making this purchase? These questions and several others are answered below.
What is a Home Warranty?
A 2-10 Home Buyers Warranty functions much as other warranties do. This service contract covers the repair or replacement of appliances and systems in the policyholder's home. Most contracts renew yearly, although homeowners might find they have other options available to them. The policy covers any breakdowns associated with normal wear and tear. This differs from the coverage an individual receives when they purchase homeowner's insurance, yet countless individuals equate the two policies. What are the differences between a home warranty and homeowner's insurance that men and women should be aware of?
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How Does a Home Warranty Differ from Homeowner's Insurance?
Homeowner's insurance covers damage to household systems when they are destroyed or damaged by storms, fire, vandalism, theft, and more. However, this policy doesn't come into play when a system or appliance fails due to normal wear and tear. That's where the home warranty becomes of importance. The warranty provider repairs or replaces the system or appliance when it breaks down as a result of the wear and tear that occurs during the everyday use of the system or appliance. The coverage provided by each policy doesn't overlap. Instead, a homeowner who obtains both types of coverage find they have comprehensive protection for their household systems and appliances.
What Does the Warranty Cover?
Individuals want to know what a home warranty will cover when determining if this purchase is right for their needs. The coverage varies by the provider, but most warranties of this type cover major household systems and appliances. This includes the HVAC, electrical, and plumbing systems along with the stove, refrigerator, and washing machine. However, homeowners must carefully read the policy to ensure they know what coverage they will receive and which items are excluded.
The Cost of a Home Warranty
Homeowners often wonder if they should spend the money for a home warranty. When choosing a warranty, men and women need to review the options available to them to ensure they get the right level of coverage. For instance, a person who recently renovated their kitchen and spent a significant amount of money when doing so might find they wish to get a warranty that covers only those items found in this room. Other people, in contrast, want the highest level of coverage, one that protects the entire home. The key to keeping the cost of the warranty under control is knowing what items you need to be protected and purchasing that level of coverage rather than spending money on protection you don't need. The warranty provider becomes of great help in determining which plan and add-ons are right for you.
Service fees or deductibles come with any warranty. When a technician arrives at the home to diagnose the problem and make the repair, the homeowner pays this fee.
Service fees or deductibles come with any warranty. When a technician arrives at the home to diagnose the problem and make the repair, the homeowner pays this fee. Once it has been determined the repair is covered under the warranty, the warranty provider covers the balance of the bill.
Limits and exclusions on home warranties help to keep costs competitive. Every warranty provider puts limits on the coverage they offer. When the customer reaches or exceeds that limit, they become responsible for any additional costs incurred during the warranty term.
Many people never reach this limit, and some warranty providers allow policyholders to increase certain limits during their warranty term. Men and women need to gather this information before signing with a provider to prevent unpleasant surprises in the future.
Providers put the limits into place to ensure homeowners receive robust coverage at an affordable price. System and appliance repairs can be costly, and home warranty providers work to reduce these costs. They do so by establishing a network of contractors and call on these contractors when a policyholder needs work carried out in the home. By using these providers, they can leverage cost discounts that are passed on to the customer. Often, the prices for parts and repairs come in at less than wholesale price.
Furthermore, warranty providers exclude certain items from the coverage. For example, the refrigerator may be covered under the plan while the ice maker built into the appliance isn't. Providers rarely cover garage doors and hot tubs in their warranty plans, and these are only a few examples. Read the contract carefully to know the exclusions before signing.
Regular maintenance falls on the homeowner, and a failure to carry out this maintenance could lead to the warranty being voided. For example, the homeowner must regularly change air filters in the HVAC system. If they don't and the unit breaks, the repair or replacement will not be covered. The warranty covers breakdowns resulting from normal wear and tear, not neglect.
Homeowners often find they have the option of purchasing additional coverage. For instance, conventional plans often exclude roof leaks, which can be concerning to homeowners. They know how much damage a roof leak can do and want to have it addressed promptly. Many warranty providers allow a homeowner to purchase coverage for roof leaks.
Washing machines and clothes dryers often land on the list of excluded appliances and systems. Ask the warranty provider if additional coverage can be purchased to include these items in the warranty. Doing so helps to reduce the cost of the repair or replacement, often to nothing more than the cost of the service call.
Homeowners need to ask about licensing before choosing a home warranty provider. Contact the state department of insurance to learn whether the company is permitted to do business in the state. Certain states don't require home warranty companies to obtain a license. If this is the case where you live, reach out to the Better Business Bureau to learn whether the provider is accredited and what customers have to say about their service.
Never select a warranty provider based solely on the premium. Ask each company you are considering to provide a sample contract. Compare the premium, the limits and exclusion, and the service call fee. Ask if the service call fee or deductible can be raised to lower the premium that the homeowner pays.
When selecting a home warranty provider, take their reputation into account. Learn how long they have been in business and read customer reviews to get more information about their customer service and how quickly they respond to a repair request. Find out if the technicians are friendly and respectful of clients when visiting the home, and ask about background checks and drug testing for those who will be asked to perform the repairs. Although the home warranty company works with licensed professionals, they should ensure anyone they send to a client's home is trustworthy.
Homeowners aren't given the option of a service contractor when it comes to the repair. The home warranty provider chooses a professional from their network. However, if a licensed professional from the provider's network isn't available in the area, the homeowner may contact a service provider they are comfortable with and have them come to diagnose the problem. No repairs should be made until this provider has diagnosed the issue and the homeowner has received approval from the warranty company.
Renewing the home warranty should be an easy process, one that requires nothing more than alerting the company to the desire to continue the policy and making the appropriate payment. Most companies simply continue the coverage with no interruption as long as the premium payment is made before the date the current coverage ends.
Transferring the Warranty
If the homeowner chooses to sell before the warranty term expires, they may be able to transfer the policy to the new owner. The homeowner needs to know how to complete this process as it differs by the warranty provider. Even if transferring the warranty isn't possible for one or more reasons, sellers should alert potential buyers to the fact they had a warranty on the home. This lets potential buyers know the home has been cared for and necessary repairs were carried out promptly. The warranty adds value to the home in this situation.
If you have been thinking about purchasing a home warranty, don't delay any longer. Homeowners who make this investment find it easier to budget for household repairs. Furthermore, they know they have a network of providers to call on when something goes wrong. The peace of mind they receive is priceless, as they know the repair will be carried out promptly and won't break their budget in the process.
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GENEVA — The battle to stem climate change may be lost as new information indicates the Amazon rain forest is turning from a carbon sink – or area that absorbs CO2 – into a source of carbon dioxide, the World Meteorological Organization warns.
The latest edition of the WMO's Greenhouse Gas Bulletin reports emissions of carbon dioxide, methane, and nitrous oxide once again broke all records last year.
The U.N. agency's report warns the concentrations of these greenhouse gas emissions into the atmosphere are driving climate change. It says carbon dioxide, the single most important greenhouse gas, accounts for approximately 66 percent of the warming effect on the climate.
The secretary-general of the World Meteorological Organization, Petteri Taalas, says about half of CO2 emissions remain in the atmosphere for centuries. He says the other half is taken up by oceans and land ecosystems.
He says it is not clear for how much longer forested areas, often referred to as the lungs of the Earth, will continue to act as effective carbon sinks.
"We have already seen some alarming indications that, for example, Amazonian rain forest ecosystem, which used to be a major sink of carbon, has become now a source of carbon, which is alarming," Taalas said. "And this is related to deforestation in the area and also changes in local climate because of this deforestation."
Oksana Tarasova, who heads the WMO's Atmospheric and Environment Research Division, says the WMO only now is revealing this new finding because it has taken nine years of observation to gather the measurement data set needed to understand the changes taking place. She says not all of the Amazon forests are turning from a carbon sink to a net producer of carbon.
"So, the Western part of the Amazonia still continues to work as a carbon sink at this point. But we do not know for how long that will continue this way," Tarasova said. "We are making the measurements there and keeping our track of what is happening there. … I would take the whole Amazonia as a whole that is seen that it is a sink, but its capacity is substantially reduced."
Meteorologists say climate change negotiators at an upcoming conference in Scotland must take concrete action and make concrete pledges to reduce carbon dioxide emissions.
They say setting carbon-neutral targets will not work in stemming climate change. They also warn the world is heading toward a temperature rise of 2.5 degrees Celsius by the end of this century. This, they say, is far more than the Paris Agreement target of 1.5 to two degrees Celsius above pre-industrial levels. (VOA/RN)
Keywords: Climate change, amazon rain forest, UN Agency Warns, World Meteorological Organization, greenhouse gas emissions.
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Receiving compliments is something that a majority of us enjoy. Compliments, after all, make us feel good about ourselves. Sometimes compliments intended to be flattering turn out to be a tremendous turn-off, and in some cases, they are insulting. 'Beauty with brains is one of those compliments. So, is 'beauty with brains' a compliment? Without further ado, I would confidently say- NO! It doesn't matter what your gender, colour, or identity is. The answer is clearly a no.
Beauty with a brain suggests that you can only have one of these qualities and that you are an 'exception' if you possess both. "Oh, Wow! You are a beauty with brains" is a phrase that women often hear. This statement is used when a female exhibits characteristics that indicate she is intelligent. People are taken aback if they see a wise and beautiful woman because women are stereotyped to be either beautiful or brainy. The concern with this is that it is naturally assumed that men are intelligent. Women, on the other hand, are supposed to have a natural beauty. If she isn't attractive according to the norms laid down by society, it is expected that she would at the very least be intelligent. When someone manages to be both, it is regarded as a significant accomplishment.
People are taken aback if they see a wise and beautiful woman because women are stereotyped to be either beautiful or brainy. | Photo by Unsplash
Women are being stereotyped into two attributes: being attractive and being intelligent, and they are being conditioned to think that these characteristics cannot exist together. When you tell someone that they are not beautiful, you are implicitly attempting to fit them into the so-called "beauty standards" that today's era is so preoccupied with maintaining. And that is a significant issue. We are not required to fit in; we should take the risk of being unusual.
Many movies, television series, and even advertisements depict the female lead as someone who is the attractive one, well-dressed, with a face full of makeup and lovely hair. On the other hand, the intelligent girl is usually the one with unkempt hair, strange fashion sense, and little to no makeup.
While our generation has been the target of insulting and sexist slurs that have caused us to question our abilities on several occasions, let us work together to reverse the trend. Let us educate each other that beauty and intelligence can coexist and that we are all beautiful in our way and don't need to fit in the so-called standards set by our draconian society.
Keywords: women mental health, beauty, brains, men, intelligence society
Malgudi, a small fictional town in South India has been part of the childhood of most Indians. It is an old, shabby, and peaceful town that is unruffled by politics. The stories set in this small town ring the sense of belongingness in the hearts of its readers. The familiar feeling that feels like home resonates with their soul. And teaches important life lessons to the readers through simple tales. Malgudi Days is one of the books that every Indian child should read. The book is a compilation of 32 short stories that paint a beautiful picture of small-town in India around the '60s and '70s
R. K. Narayan, one of the most well-known and popular writers within India and outside India is the creator of this town and the occurrences of this town. The stories follow the characters Swami and his friends through their everyday lives. Be it the story of fake astrologers who scam and loot the people by his cleverness, or the story of a blind beggar and his dog where the money blinded the man with greed; each story has a lesson to learn, morals and values hidden in it. As the stories are simple, easy to understand yet heart-touching it makes it easy for the kids to connect with each character and imagine the story as if the reader themselves were the protagonist of the story. In simple words, we can say that R.K. Narayan simply told stories of ordinary people trying to live their simple lives in a changing world.
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As written during the Indian Independence movements and finally published in 1943. The stories in the Malgudi days beautifully encapsulated the transitioning milieu of the British era to post-Independence India. Each of the stories portrays a facet of life in Malgudi and simultaneously a life in an Indian town. R.K. Narayan was one of the first writers who pioneered Indian writings in the English language and the book was later republished outside India in 1982 by Penguin Classics. Thus, the book enjoyed a worldwide audience. The New York Times even described the virtue of the book as "everyone in the book seems to have a capacity for responding to the quality of his particular hour. It's an art we need to study and revive."
The beautiful storytelling of the book was assisted by beautiful illustrations allowing the children to let their imagination teleport them to the world of Malgudi. All the illustrations in the book were illustrated by the world-renowned cartoonist, R.K. Laxman who is also R.K. Narayan's younger brother. The illustrations complimented the scenes from the stories and excited the children, keeping them engaged in reading the book for hours.
The illustrations complimented the scenes from the stories.Pixabay
The short stories from Malgudi Days were later adapted into a television adaptation in 1986. This show was directed by actor and director Shankar Nag. It was filmed both in Hindi and English, containing 54 episodes and the first 13 episodes respectively. Later the series was revived for additional 15 episodes. The show featured several popular celebrities from the Kannada film industry of those days – Girish Karnad, Vishnuvardhan, Ananth Nag, Arundhati Nag and Vaishali Kasaravalli, to name a few. The series was premiered on the Doordarshan channel and became the window into the town Malgudi for many. The show did not only excel in its storyline the TV adaptation elevated the storytelling as the show was technically very sound and stood out in its fantastic detailing in terms of locations and sets. With the cinematography being creative The Malgudi days- TV series once again warmed the hearts of both young ones and adults.
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Malgudi- our childhood home
Malgudi days hold a special place in the hearts of whoever has read the book as a child. With the detailed descriptions of the town and stories one almost gets a feeling that they've visited the place themselves. The characters, Swami and his friends feel like they were all readers' childhood friends. The surreal feeling of being home in the world of Malgudi. The world of Malgudi is intimate, warm, lifelike, and engaging. The setting is modern, and the life portrayed in these stories is contemporary. Still, there is an old-time air about It. R K Narayan once described Malgudi as "Malgudi is where we all belong, and where we wish we lived."
Keywords: Malgudi days, Malgudi, R K Narayan, R K Laxman, storytelling, our childhood home Malgudi