If you purchased or are planning to purchase a home, you may have wondered what a home warranty covers. A home warranty can save you money when any systems and appliances break down, preserving your home and budget. However, it doesn’t cover every element of your home. Some aspects that a home warranty doesn’t cover, like leaky roofs and cosmetic damage, are listed below. Scroll down to uncover the limitations of a home warranty plan. Walls, doors, and windows A home warranty usually doesn’t cover walls, windows, and doors as they are considered structural elements. However, based on the age of your home, these items will be covered by a homeowners insurance policy or builder’s warranty. Cosmetic damage If the damage, like scratches or dents, is caused by natural wear and tear over time, it is the homeowners’ responsibility, not that of the warranty provider. Pest damage Home warranties are not designed to cover and repair/ replace the damages caused by pest infestations like rodents or termites. Leaking roofs A home warranty doesn’t cover leaking roofs since this is a structural problem. Hot tubs and swimming pools Pools and hot tubs are some things not covered under a home warranty, but certain companies might extend their coverage at an additional price.

Financial planning is a complicated endeavor that does not stop with simply opening savings and certificate of deposit accounts. You need an expert who can advise you on the best investment and diversification strategies for building a solid portfolio to secure your financial needs. But before hiring a good advisor, it is essential to understand how the process works and how to proceed from here. These questions can be a starting point. Here are the five questions you must ask a financial advisor: What are your qualifications? Financial planning is a vast topic with several areas of specialization in practice. So, you need to understand whether the advisor provides assistance for financial planning in general or focuses on a specific aspect of portfolio building. Primarily, they practice with a Certified Financial Planner (CFP) qualification approved by federal regulatory authorities and guidelines for safe practices. What is the range of services you offer? Their experience will vary depending on the type of services provided, ranging from planning for retirement to tax mitigation strategies and real estate trust services. Some CFPs work as fiduciaries, ensuring they keep your best interests at heart when planning and strategizing your finances. You must also check to confirm any disclosures on the record of previous misconduct or legal sanctions imposed on their range of services.

Gardening can bring many health benefits to individuals, from reducing stress to uplifting mood and energy levels. The activity can also be emotionally rewarding and allow one to stay connected with nature. But it is a skill that requires a few trials and errors before learning how to do it well. Beginners, particularly, may need to watch out for mistakes related to the plants, soil, fertilizers, or seasonal plantations that may harm their green patch. Common gardening mistakes Overwatering At times, people may worry about drying out their plants and overwater them. This mistake causes the roots to get waterlogged, which may stop the oxygen cycle and rot them. The best way to avoid this is to water plants deeply, less frequently, and wait until the two inches of the topsoil is dry to the touch before watering again. One can use a moisture meter to check moisture level in the soil as well. Underwatering On the other hand, not watering enough can also be detrimental to one’s plants, especially to the new sprouts and transplants. Bigger trees and richer soil can hold water for a longer time, so a day or two of underwatering does not affect them as much.

Typically, people prefer to avoid visiting a healthcare expert since it is a stressful experience. However, a person’s skin, more often than not, provides an adequate picture of their health, so if the skin is showing signs of excess dullness, redness, changes color rapidly, or displays other symptoms, it is advisable to see a skincare expert at the earliest. Here are some of the signs that mean that one has to visit a dermatologist: Having dry, flaky skin patches Dryness and flaky skin patches are indicative of health conditions like psoriasis or eczema. In fact, these tend to be some of the early symptoms of such a condition, making it imperative for people to visit a dermatologist immediately. A dermatologist can correctly detect such conditions and provide the necessary treatment or prescription-based solutions to reduce the severity of the symptoms and improve one’s quality of life. One especially needs to consult a dermatologist if they experience flaky or overly dry skin on their scalp, chest, knees, elbows, or lower back. Having nail or skin infections Skin and nail infections mean that things like fungus, bacteria, viruses, or yeast have come into contact with a person’s skin. The most common indicator of this is swelling, inflammation, pus, warts, itching, or nail/skin discoloration.

Gardening isn’t something you get right on the first try. It requires some trial and error to perfect. Sometimes, you might find a plant doing poorly in one spot of your yard but thriving in another. While you might need more than a couple of tries to get things right, you must first learn about the common gardening mistakes to avoid. Luckily, most of these are easy to step over. Skipping compost Plants need nutrients while growing, and the best way to supply them is by adding compost. By skipping compost, you’re falling prey to one of the most common gardening mistakes that should be avoided. Compost not only provides plants with nutrients but also adds moisture and improves the soil’s drainage. Ignoring pest control Pests are always waiting for a chance to make quick work of your garden. So, you must find a way to stop them without using poisonous chemicals. One solution is to grow disease and pest-resistant plants that attract birds and insects that eat destructive pests. You can use some non-toxic traps and sprays occasionally. Poor watering habits It’s impossible to ignore how many of us water our plants and gardens at the wrong time. If you want the lawn to retain moisture, water it last thing at night or first thing in the morning.

Maintaining good oral hygiene does not simply refer to brushing, flossing, and home remedies. Periodic planned visits to the dentist’s office also determine the scope of oral care in the long run. But one must also be aware of the possibility of dental negligence from the professional and unsafe practices that con unsuspecting patients. It’s necessary to assert extra vigilance and identify these common red flags that question the authenticity of dental care treatments. Providing inflated bills Often, people get overwhelmed with technical jargon used for explaining treatment packages. Some professionals take advantage of this situation to bill charges explicitly without one’s knowledge. Not paying attention to detail A comprehensive exam and a thorough review of past health complications can provide valuable insights for the dentist to plan a good treatment. However, if he or she is taking this step lightly, then it’s better to avoid fixing another appointment and find a better practitioner in the neighborhood. Lack of ethics Speaking rudely, not paying attention, or unnecessarily losing one’s calm because their patients are asking questions are all warning signs that should not be ignored or tolerated. Too many promotions and ads A dental clinic that spends too much time and money advertising on billboards and online may not be good enough, as there is such a thing called as overselling.

A gastroenterologist (GI) specializes in diagnosing and treating conditions that affect the digestive system organs, such as the liver, pancreas, stomach, gallbladder, intestines, colon, and esophagus. When experiencing digestive discomfort that does not go away, it might be wise to seek the expertise of a gastroenterologist. Patients should clarify their doubts about their symptoms and overall gastrointestinal health during the visit. Sometimes, it might be awkward, but it is necessary to ask certain uncomfortable questions. Should I worry if I fart too much in a day? Passing gas, a natural bodily function, can result from various factors, such as ongoing treatment, eating specific foods, and even childbirth. Excessive flatulence may point toward conditions like sleep apnea or, in rare cases, colon cancer. If frequent and bothersome farting persists, it is advisable to consult a gastroenterologist for a checkup. The expert can assess a person’s discomfort level and provide necessary guidance to address adverse impacts on their daily life. Should I worry if I urinate too often? How many times an individual pees in a day depends on many factors, such as their water intake and consumption of certain beverages. Since people have different bladder capacities, there is no fixed number of times one should use the bathroom.

The nails, hair, and skin perform more vital functions than we can imagine. While the nails contribute to sensations and protect the digits, the hair helps regulate the body’s temperature. The skin forms the body’s outermost layer and protects it against harmful substances and injuries. Thus, healthy hair, skin, and nails are essential for overall physical well-being. Here are some foods one should incorporate into one’s meal plan for hair, skin, and nail health: Fatty fish Fatty fish like salmon, tuna, and mackerel are high in omega-3 fatty acids, significantly boosting skin, hair, and nail health. They protect the body from sun damage and ensure good scalp health. Eggs Besides being excellent protein sources, eggs are rich in essential nutrients like vitamins A, E, and B7, zinc, and biotin. Consequently, they are highly recommended for hair, skin, and nail growth and strength. For example, one can have eggs for breakfast in the form of popular breakfast meals like scrambled eggs, boiled eggs, and omelets. Oatmeal Oatmeal is packed with fiber, zinc, copper, and essential vitamins. Zinc is particularly effective in reducing acne and facilitating strong nails. When eaten with milk, oatmeal can act as a complete breakfast meal and replenish the body with the required protein intake.