Our homes are everything. It's more than just a building, holding the key to all of our fondest memories, family gatherings, and where we finally get to unwind after a long day. And with all that comes a ton of moving parts so when things go wrong with your house, it needs to be addressed ASAP. Being a homeowner comes with a big responsibility to make sure everything in your home is and continues to run smoothly.

For example, if your hot water heater goes out, you have to take care of getting it fixed. As a homeowner, you don't have the convenience of being a renter, where if something breaks all you have to do is call the super or landlord. (Boy, do I miss those days!)

On the other hand, a lot of benefits come with buying your own home – it's a great investment, owning property is good for building equity, and for some can be a nice place to put down roots to raise a family. But as your home ages and experiences normal wear and tear or unexpected damages, being a homeowner can become a real headache. Since now many of us are home more than ever, our home systems and appliances are working overtime. And that could mean more breakdowns.

Homeowners are opting to have home warranty plans in place, to have someone to call when something on their plan breaks. Having a home warranty plan from HomeServe can help protect your finances when you're in need of emergency home repair services covered on the plan. (Because let's be honest, nobody wants to dish out hundreds every time they need to call a repairman or thousands of dollars if replacement of a pipe or appliance is required.)

Want to learn more about how a plan from HomeServe works? Here's what you need to know:

What is a home warranty plan?

A home warranty or home repair plan gives you peace of mind. While basic homeowner's insurance plans typically cover accidental damage to your home caused by events like fires or natural disasters, a home warranty plan helps cover the repairs or replacement costs associated with the normal wear and tear of home systems or appliances in your house.


When your plumbing lines, AC, heat, or appliances fail to work or need to be replaced, it could cost you a lot of money. When you're prepared with a home warranty plan from HomeServe, you will have access to a 24/7 repair hotline that allows you to make an appointment to have a licensed technician come over and handle your covered repair.

What does it cover?

Depending on the type of plan you have, it might cover plumbing, electrical, or heating and cooling systems. That includes things like a boiler breakdown in the middle of winter and locating and replacing a leaky pipe.

Why do I need it?

With a home warranty plan from HomeServe, you will have peace of mind. Since no one plans for the headache and hassle of home repairs, having a plan in place to deal with an emergency repair is a smart move. You'll know that you're ready for unexpected covered repair costs – costs that can easily make a dent in your wallet.

How much does it cost?

The cost of a home warranty plan varies, but you can visit us at homeserve.com to review affordable quotes for the plans that are available in your area. Plans start as low as $7.99 a month.

Nowadays we are using our home systems and appliances possibly more than ever. And while surprise repairs are a normal part of homeownership, you can't always foresee them happening. That's why being prepared with a home warranty plan from HomeServe will help you to not be caught off guard. Sign up for a home warranty plan today.

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Long gone are the days when the majority of Americans dreamed about owning a home with a white picket fence.

The traditional American Dream may be on its deathbed, but that doesn't mean a core component of the vision can't survive. It simply takes a diverse perspective. People can still believe they can attain their own vision of success in society with hard work, knowledge, and risk-taking. Investing in today's American Dream may literally mean investing money in our modern economy, starting with our infrastructure.

Real estate investing in particular is a lucrative method that can boost income and secure a better financial future for many. There's always risk involved, but the payoffs can far outweigh the uncertainty. Selecting solid financial investments is about confidence and competence. If you're looking for some advice on this kind of investment, here are a few savvy tips for new real estate investors.

Stick To a Specific Strategy or Niche

Real estate is a challenging sphere of the business world, one that requires several key skills: groundwork knowledge, networking, perseverance, and organization. True knowledge of the real estate market will come with time and experience, but it's a smart idea to select one area of the market and stick to it. This is the best way to attain in-depth familiarity with your specific niche.

First, choose a geographical area close by and then a niche strategy within it, such as house flips, rental rehabs, or residential or commercial properties. By doing so, you can become aware of current inner working conditions in the market and you'll have a better idea of how these trends may change in the future.

Be Vigilant About Viable Financing Options

While it takes money to make money, you don't have to use all your own money. A common misconception about real estate investing is that you must be wealthy to start off. This isn't straight fact, however. A majority of people can test the waters of real estate investing without a lot of initial cash in their pocket.

Aside from traditional financing options from banks and institutions, private lending options can be worthy solutions. Hard money lenders are popular, reasonable choices, and they tend to have fewer qualification requirements upfront. However, be sure to strategically choose a hard money lender to find the best possible fit.

Master the Art of Finding Good Deals

There may be hundreds of thousands of available properties for sale on the current market, but the bulk of them will never amount to the final money-making result you desire. Another great tip for new real estate investors is to use good math to estimate profit. Taking risks is part of the process, but you have the ability to analyze properties and use networking sources to find the greatest deal. You can't win every deal, but you can steadily work towards a thriving financial future.

Your credit report influences a lot beyond your finances. Learn some of the most important ways your credit history affects your life with this guide.

Your credit score and history obviously affect your ability to qualify for a low-interest loan on a car or a house, but they also influence other aspects of life.

Your credit can affect everything from your insurance rates to your ability to rent a home, and even your chances of landing that dream job. Fortunately, it's easier than you might think to keep track of your credit score for free with any of the three official credit bureaus — Experian, Transunion, and Equifax.

But in case you're not sold, you should know exactly how your life can take a turn as your credit changes. The more you know, the more prepared you are to handle whatever your credit report throws at you.

Renting a Home

A house up for rent

When you apply for an apartment or other rental property, the owner of that property will likely review your credit history. After all, landlords want to know if you can afford the rent and pay it on time. With a good credit report, this part of the renting process will be a breeze.

However, poor credit might mean you don't get the apartment. And even if the landlord approves you for the property, they could decide to charge you a larger security deposit, or require you to find someone with better credit to cosign your lease.

These little steps can make renting and moving far more stressful and uncertain than it needs to be. But if you keep track of your credit score and build it by making regular payments against any debt you might have, you can avoid the headache.

Landing a Job

Will Ferrell and John C. Reilly interviewing for a job in "Step Brothers"

Potential employers will also look at your credit to see how dependable you are. The logic goes that a person who keeps track of their finances is more likely to keep track of their responsibilities at work — and less likely to steal from the company out of desperation. That said, one of the most common credit report myths is that all employers will check credit for every candidate they hire.

A credit report is part of some background checks — especially for jobs involving finances or other company assets — but it isn't necessary for all new employees. Many employers will take your credit history with a grain of salt, especially if the job you applied for doesn't involve a lot of financial work. If you do have good credit, though, it might give you a leg up over other candidates, especially as you move up in your career and reach for that dream job.

Insurance Rates

Collision insurance

Insurance companies look at a lot of different factors when calculating your premiums. In some states, providers might use a credit-based insurance score to build your policy rates. These scores are different from consumer credit scores, but the idea is the same, making these scores one of the ways your credit history affects your life.

For example your credit history — along with factors like your age, your driving history, the value of your car —can determine how much you pay for car insurance. Good credit, with a history of paying bills on time might lead to more affordable premiums, while poor credit can give you steeper prices, compounding any issues you already have with your finances.


Don't let your credit hold you back from some of life's essential tasks and milestones. By learning more about your credit, you can make good decisions that safeguard your finances and set you up for success in all areas of life.

Airbnb is a great option while traveling, but you should protect yourself from damage charges from unscrupulous hosts.

Airbnb offers an affordable option for people looking to be more comfortable as they travel.

However, there are downsides to staying in a host's home rather than a hotel. Whereas hotels are designed for constant streams of visitors and often have furniture built to last, at an Airbnb, you may be staying on old or cheap furniture that a host is using in order to maximize their profits.

And while most reputable hotels will have regular room inspections from staff to check for any wear and tear, Airbnb damage disputes are oftentimes he said, she said situations. If you are in an Airbnb and something breaks, there are a few steps you should take in order to ensure that you are not on the hook for damages out of your control.

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