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Learning More About Home Warranties and the Issues Behind It

Wouldn't it be great if you have the power to replace a damaged appliance without having to worry if it involves thousands of dollars? Or how about paying a limit of $50 dollars for every repair? Don't you think it is practical to get some sort of home protection to be prepared of unexpected appliance failures?

If you say yes to all of these questions, then you would definitely appreciate having a home warranty. But wait, what is this all about? Find out more...

The essence of home warranty

Home warranty works like home insurance, only with more coverage. It is paid annually so that when something breaks down in your house, like a failing water heater or a malfunctioning doorbell, all you have to do is file a claim. Once you do, your warranty provider will send in a technician to check the problems and repair it. However, it is not 100% free because you would have to pay a deductible of 50 dollars for every repair.

You probably are wondering right now, who pays for the service. Well, the sellers or real-estate agents usually package this with the house, as this can be a good come-on for the buyers. Usually they give a 1-year service contract but buyers have an option to renew it simply by paying the annual fee.

It can also be paid by the builder. Builders of newly constructed homes must have this as it is required by most states before the Certificate of Occupancy will be issued.

Therefore, if you want to get one now, the next section would explain how to shop for it.

Shopping for the warranty

Here are simple steps to follow:

o Know what kind of warranty you want. To help you determine what you must have, obtain a detailed inspection report on your house to see the status of your appliances and all possible problems that comes with it.
o Choose top companies that provide home warranty. Choose the ones that have good track records and those that are legally registered.
o Compare the prices and their deductibles.
o Once you have done all your research, call them or see them in person. Ask all the necessary questions about the coverage and other issues related to home warranty. Get a copy of their proposal and compare them with the others.

After doing all of these, you can now make your decision by choosing the most economical deal.

Issues on Home Warranty

Although having home warranty sounds good; you have to know that there are also limitations to the service. Not all appliances will be covered for repair. Therefore, you really have to find out what is covered and what is not so that you won't feel scammed when you're denied of coverage. It is also important to pay attention to fine prints of the agreement. If you want a more comprehensive plan, you can do it by adding a few hundreds to the basic fee and you will gain more coverage.

Another main issue in home warranty is the denial of coverage. This is brought about claims made for appliance problems that have found out to be preexisting due to code violations or negligence. Some people have been complaining that certain companies may have used this as an excuse to deny coverage although the claim is very much legitimate. Therefore, to avoid vulnerability, it is better to properly maintain your homes and follow safety codes and regulations in installment of appliances.

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How To Entertain A Thought

After studying scores of great thinkers like Leonardo Da Vinci, I think I've stumbled upon what really set them apart from the rest of the folks living (and thinking) at the same time.

It's remarkably simple. They learned how to entertain a thought.

Aristotle said, "It is the mark of an educated mind to be able to entertain a thought without accepting it."

Hmmm. To entertain a thought without accepting it.

We need to do that. Everyone needs to learn how to be good host or hostess to new ideas. In fact, our goal should be to become the Martha Stewart of mental entertaining!

What if you treated a new thought like a guest?

It's easier to think about mental entertaining if we put together a to-do list, just like Martha. Here it is:

#1 Make the first move.
First of all, you issue an invitation. Nothing fancy. You don't have to make any major investment or lifelong commitment. You're simply inviting this person in.

It's the same with initiating the entertainment of an idea. You might see a quote on the side of a bus somewhere, and decide you'd like to explore that concept more deeply. Or, maybe you find yourself bumping into the same topic all the time, and so you make up your mind to learn more about it. Either way, you need to be ready to initiate the process. Don't hide--you won't meet new ideas if you scurry away whenever the doorbell rings.

#2 Prepare.
Uh-oh. Your house is a mess. You'd better do some cleaning. You're not really trying to impress, but hey, you could certainly do some sprucing up and get the place looking neat and inviting.

Prepare for a new thought in the same way. Make some space in your mind to think about something new. According to Deepak Chopra, the well-known author on health and longevity, the average human has 60,000 thoughts a day. Pretty impressive? Well, here's the kicker: 57,000 of those are the same ones you had YESTERDAY! Now that's some serious clutter! Get rid of a few of those dusty old thoughts and make room for new ones.

#3 Offer a warm greeting.
When your new guest arrives, be warm and inviting. After all, you're hoping to start a friendship. Put your best foot forward.

It's the same with an idea. If you face it with skepticism, fear or detachment, you won't be entertaining it for long. You'll be eyeing your watch, yawning, or looking for a way to end the discussion early. You've got to be open and full of anticipation to prepare an environment in which new ideas will be explored and integrated fully. Just as it's no fair making lame excuses or having your friend call to interrupt the visit, it's also cheating to cut out too soon when it comes to entertaining an idea.

#4 Make introductions.
This is the big one. You would certainly introduce your guest to everyone at the party, with a special effort to connect them to those with whom they may have something in common.

Any new idea you consider will be more likely to be welcomed if you actively and intentionally introduce it to your other ideas and interests. Look for unusual and inspired pairings. How does it fit? Where does it fit? DOES it fit? You won't know until you try.

Picture Leonardo Da Vinci's mental entertaining. His new idea, Human Flight, arrives, and immediately Leo sets about introducing him to others. "Human, meet my good friend, Engineering, and his lovely wife, Fabric Design. Oh, and have you met Bird Anatomy? She lives just around the corner from you. Oh, Dr. Entomology has arrived! Listen, Dr. E is absolutely brilliant, but a bit hard of hearing. Ask her about her recent work on the wings of insects! Now, you all make yourselves comfy and I'll go get some more wine."

What happened at that party? Leonardo threw these ideas together, and BAM! What emerged was the idea for a perfectly designed parachute as well as a remarkable helicopter--hundreds of years before the Wright brothers started building their flying machines! Talk about a soaring success! Don't you wish you'd been there?

#5 Offer the best seat in the house.
You usually sit in that nice chair there by the fireplace, but when a special guest comes over, you graciously offer it.

When you are entertaining a new thought, give it the consideration it deserves. Every time you think a new thought, your brain is actually creating a new neural pathway. It's like a jungle in there, full of nerve endings and ganglia and all kinds of connections. Help it along. Make it comfortable.

Once you've considered an idea, that pathway is there. All you have to do to keep it "live" is to keep going down that path often enough to clear the trail, but not so often that it becomes a rut.

#6 Listen, inquire, and show interest.
Ask questions. Dig a little deeper. Find the connections to other people, places, and activities. Learn as much as you can about your new idea.

#7 Relinquish control.
Just like when you introduce guests to each other, you should not try to control the outcome. Some guests might hate each other on sight, while others click instantly. People might argue, or a married guest might sneak off to a back room with someone other than their partner. Anything can happen!

That's not up to you. You're having this party to offer an opportunity for people to connect. Make introductions, insert a few comments, smile and acknowledge everyone, but for the most part, just let things happen. Don't direct the flow of ideas.

#8 Leave room for future possibilities.
Even if you decide this guest of yours is insufferable, you don't want to burn any bridges. Be gracious, and be glad you were excellent enough to offer the invitation.

You're not going to like every idea that comes your way. And you might not find any other interest or idea that connects with it initially. That's fine. You need to develop the ability to recognize useful concepts and distinguish valuable and valid ideas from those lacking a strong foundation. That's what critical thinking is all about.

But you also need to file that idea away so that you can look it up if and when you DO meet a likely candidate for another gathering of thoughts.

There is a great deal of room for different styles of mental entertaining. Maybe you're best at dealing with only two ideas at a time, or maybe you want to throw a huge bash and welcome all comers.

Entertain in whatever style suits you. Tete-a-tete or bacchanal--it doesn't matter, as long as it's happening.

Learn how to entertain a thought. With a little effort, you'll become a perfect host or hostess to new ideas that come your way. And guess what? You'll have no hangover, no cleaning up, and no regrets.

Party on!

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