When Can You Get a Home Warranty? Experts explain when and why.

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When Can You Get a Home Warranty?

Getting a warranty on a home can save you a lot of money over time. Homebuying requires you to fork over more fees, but affordable home coverage shouldn’t be neglected. Whether you’re a new buyer, eager seller, or budding real estate agent, you’ll want to consider purchasing a warranty.


Read to learn:


  • Should you buy a home warranty as a seller?
  • When should new buyers get a home warranty?
  • Can you get a home warranty on an older home you own? 
  • When should real estate agents buy home warranties?


Before knowing when to buy, you may want to know if a home warranty is worth it for you.


Benefits of Having a Home Warranty

Why bother buying a warranty in the first place? Isn’t homeowner’s insurance enough? Although a warranty isn’t required by banks or mortgage lenders like insurance is, it ultimately exists to save you time and money. 


A warranty is a huge benefit to you because:


  • It acts as a budgeted protection plan.
  • It saves you time when scheduling inevitable repairs or replacements.
  • It provides you access to resources when damages occur.
  • It can be customized to the needs of you and your home.
  • It can be purchased at any time.


When is the best time to get a home warranty? It depends on which position you’re in regarding the home. 


Should You Buy a Home Warranty as a Seller?

If you’re selling your home yourself, a home warranty can be an attractive bonus for the buyer. Home shoppers are stressed about finances— a home is a huge investment. Plus, in the time it takes to transfer ownership of the home, problems can still occur with appliances or home systems. With a seller’s home warranty in place, both you and the buyer are comfortable knowing these scenarios are covered. 


When Should Home Buyers Get a Home Warranty?

If you’re in the process of buying a home or have recently made a new purchase, shopping for warranties upon move-in is a smart choice. Sometimes home warranties take time to go into effect (such as at the beginning of the month or once an inspection is finalized). You’ll want to read the policies and terms to understand the cushion of time it might take to start using your warranty.


One mistake new homeowners make is putting off their home coverage purchase. But if a major appliance like a washer/dryer breaks, then what? You’re stuck with the stress of a new home and you have to shop for a new $1,000 appliance. If you have a warranty, you’ll save significantly. 


Can You Get a Home Warranty for a Home You Already Own?

The great thing about home warranty plans is that you can purchase one at any time. If you’ve owned your home for several months or even decades, you can opt-in to the benefits of warranty coverage when you’re ready. 


When shopping for a home warranty on an older home, keep in mind some companies cover issues that are unique to aging properties. Call a few warranty companies and read the agreements before signing a contract. 


Another thing to note: some companies offer discounts and benefits for homebuyers. Try to get a new warranty within 30 days of your closing date. Otherwise, you may miss out on perks and need to buy the standard plan. 


When do Real Estate Agents Buy Home Warranties?

Many real estate professionals choose to include warranties when closing a home. It offers protection to the buyer and adds to the reputation of the agent. Sometimes a realtor will cover the annual cost of the home warranty during the first year, or for a set timeline agreed upon during the transaction. 


Get the Warranty that’s Right for You

In any situation, getting a home warranty protects you, your family and your home. Learn more about custom home warranty plans and get a free quote from Elite Home Warranty today.

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Dropshipping, what is it and is it worth my while?

To quote, “drop shipping is a retail fulfilment method in which a business doesn’t keep the products it sells in stock”. Instead, you act as the third party between the supplier and customer purchasing said product. Dropshipping has become one of the latest trends due to the profit you could make and how easy it is said to be. Reviews Bird offers online shopping website reviews that could help spark some inspiration for what you would like to sell or which service you wish to offer.

How does Dropshipping work?

Although dropshipping was defined, it can be challenging to understand it without fully explaining how the whole process works. To start your dropshipping store, you need to find a niche, what product you are interested in selling; in addition, if there is a need for that product. Once that has been established, create a shop front using any platform. Platforms such as Shopify and BigCommerce are excellent dropshipping; however, you could even successfully use Facebook. Once you have set up your shop, you need to research suppliers. If you are using Shopify, they offer a variety of drop shippers. If you are not, then Google is your best friend. Once you have found your drop shipper, test their services. When doing so, consider the ordering time, the packaging and overall presentation—lastly, customer satisfaction. Ultimately you want to grow your business. To do so, you need to make your customers happy. Try standing out from the crowd by thinking how your customer would and seeing where you can improve.

4 Advantages of Dropshipping

 Now that the dropshipping process has been defined, there are many advantages that go along with it. To name a few:

  1. Little to no start-up capital is required.
  2. All you need is an electronic device, preferably a laptop, to administer the movement of goods.
  3. You do not need to research and design your own products.
  4. You can run your online store from anywhere in the world.

4 Disadvantages of Dropshipping

Although dropshipping may seem to be like an easy way to make a quick buck, there are some disadvantages to dropshipping as well, namely:

  1. Dropshipping is not as easy as it may seem to be; a lot of time is required.
  2. Dropshipping is competitive.
  3. You have no say over quality control.
  4. Shipping can be expensive.

Considering Dropshipping? Here are some helpful tips

If dropshipping is something you are considering, here are a few helpful tips to ensure you get the most out of your dropshipping business. First, make sure you find the most trusty supplier. Moreover, price your items reasonably, not too high or too low as low prices can be associated with bad quality. Furthermore, Get product samples from prospective suppliers to understand what your customers will receive. Additionally, always keep an eye out for your competitors to make sure that you keep your upper hand.

Many individuals have been both successful and unsuccessful when creating a dropshipping business. If you think this is the right business for you, make sure to do an extensive amount of research before starting a dropshipping business. Many online sources are available to help guide you and inform you on dropshipping. Although it can be highly profitable, like any business, the profit you earn is only equal to the amount of work you put into it.

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How To Be Consistent With A Trading Plan?

If a trader is not consistent, he cannot maintain efficiency. Even with established trading psychology, it is hard to maintain composure. And it happens because of the lack of consistency. A trader needs to follow the plans on every occasion. Even when the market shows better profit potentials, a trader cannot change his plans. However, with experience, a trader can develop his strategies for adaptation. Until then, everyone should stick with a concrete plan for every order. Thus, the business will have consistency, and an individual will be efficient with the investment. At the same time, he will have a better knowledge of the market movement. Conclusively, the executions will be perfect for decent profit potentials. Or, in case of an uncertain price movement, the traders can reduce the losses with stop-loss.

Everything efficient will happen in Forex trading if a trader thinks efficiently. Since a rookie can get distracted in any situation, he should practice consistency in his business. But before that, he should create a system for maintaining authority. A constructive discussion in the following segments will educate the rookies even more for efficient performance in currency trading.

Making plans for placing an order

To be consistent in this profession, every trader needs plans. Without it, no one can maintain the same style of execution. And there are multiple procedures required for executing a trade. For reducing risk exposure, money management is necessary. And for arranging pips for profits, market analysis is essential. But position sizing is the most crucial element for executing an order. That’s because it provides the entering and exiting points of the trades. As a result, everyone can implement valuable precautions to secure the investment as well as the profits. Since many procedures are necessary for making one purchase, a trader should develop plans for everything.

Multiple procedures require a lot of time to develop. So, everyone should be patient when they start developing the system. Instead of alluring for instant profits, a participant should focus on saving the investment on every occasion. Thus, the money management and market analysis will be efficient for a safe trading experience. And it will also generate decent profit potentials the high volatility of the markets. But remember, you must trade with Saxo Forex broker to ensure quality trading environment. Unless you trade with a good broker, your plan is not going to work.

Being aware of the loss potentials

Having a safe trading mentality helps the traders to deal with the markets. It generates a simple and safe money management plan. And it also secures the position sizing from any loss potential. However, there are still chances for traders to lose track. In that case, one should only implement the reality of currency trading into the mix. If a trader has the idea of currency trading, he will not invest his money ruthlessly. That’s because his mind will not let a penny get out of hand due to loss potential. So, the risk exposure will be simple for a decent loss potential. Contrarily, that trader will also execute a trade when he can arrange a profitable signal. As a result, the trading experience will be exciting.

That is why we suggest the rookies get some experience in currency trading. In this process, everyone will have a better ideology of money management and market analysis. And while experiencing the system, a trader can also develop a full-prove plan for executing an order. Therefore, a rookie will have a tremendous edge for profit-making.

Dedication to the trading system

When a participant is consistent, he follows the same trading procedures. However, a rookie can neglect this system and start experimenting with his luck. Most newbies do this to experience better profit potentials. But due to poor analytical techniques, most rookies cannot arrange a sufficient number of pips. And they experience loss from most executions. That is why everyone should provide dedication to the trading system. Even when the market condition seems fruitful for profits, a participant should stick with his ideas. That’s because new strategies take time to get used to. So, there are always chances of losing money experimenting with your business.

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Know more about Forex trading and the impacts of trading in financial life

Thinking to invest monthly income and increase your profit? Trading is the best option to invest and get the best profits. It is very much important to choose the best broker in the journey of trading. Getting out the best services like best earnings, best stocks, best instructions, etc., and even long-term service must be provided. The complete upcoming generation will be addicted to services provided by marketers. When a person is at the beginning stage, the complete benefits will not be known. And when we come to the market, the market is available for full-time, and access is provided worldwide. The trading is of different types like short-term trading, long-term trading, intraday trading. Every stage has its benefits.

To start the journey of trading you must study well about the market strategies. Selecting the best platform/broker is quite very important. Many brokers are running in the market but only a few are running legally, better to start trading after a complete study of the broker.

Here are the tips for forex trading:

  • Selecting the perfect broker.
  • Focus on methodology.
  • Loops in positive feedbacks.
  • Analise every day.
  • Calculating the expectancy.
  • Style of trading.
  • Detail study of stocks.
  • Focus on current marketing.

When you are a beginner, you must register as a broker and start a career in trading. And the choice of a broker completely depends on the trader. The starter must start by knowing all the winning strategies. The trader must check out and even escape in critical situations. Hundreds of thousands of people like you and I are trading the markets for a nice profit every day. Brokers are making a killing from their spreads in these deals. Forex markets are volatile and hence present great profit opportunities as well as great risks to your capital. Understand the bigger truth. Understand how the foreign exchange markets are influenced, and what makes them move. The forex market movements are different from stock markets in their leverage and their volatility and nature.

You’ll need to examine each signal before choosing one you can use in trading. A lot of automated trading software can supply you with a variety of signals, but your knowledge of the foreign exchange market.Now interested in trading, need a perfect platform? Trade on arya app.

Here is brief information on the ARYA app

In Arya app free exists available. It is a mobile/web app. The app is user-friendly. The application is accessible through registration of uses like other social networks. The user can use the app for free or get a premium subscription monthly/yearly plan to enjoy unlimited app features. 


Trading is easy atthe Arya app and easy to understand, about the markets. Be one to make your profits go higher. Earn from the Arya app every day and make daily profits. Learn everyday strategies and step to best profits. Now go with ARYA TRADING APP.

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Pros and Cons of having multiple properties in the United Kingdom

A property, when it comes to real estate, is a term used to signify buildings. The property could be a house or other types of buildings such as offices, malls and plazas among others. Getting a property is often very expensive and requires a lot of effort to go into finding the right property to purchase.

real estate

There are many reasons why people acquire properties and they can be classified into two major reasons: for personal use or as a form of investment. For investment purposes, you might want to sell out the house for profit immediately, rent it out or sell it out at a later time when the value of the house would have increased. Hence, some people often acquire multiple houses intending to keep the first one for personal use while using others as a second home or for investment purposes. If you want to get multiple properties in the UK, you should know what are the pros and cons of getting multiple properties so that you can make an informed decision and know what you stand to gain and what you stand to lose. You can subsequently decide if what you have to gain is more or not.

Pros of having multiple properties in the UK

The pros of having multiple properties in the UK are discussed subsequently.

A second home

One of the advantages of having multiple properties in the UK, specifically home, in this case, is that it could serve as a second home for you. Having a second home can come in handy if you regularly vacation or visit a particular part of the UK different from where you reside. As opposed to always making accommodation expenses when you visit such a location, you can settle into your own house. Considering that most hotels charge per night, you would find out that the money you would be spending if you are staying for anything more than a week, or a month, would be significant. However, with your house, you will spend significantly less and have more freedom when you have a home you can stay in. If for example, you have to visit your home for a minimum of 6 weeks every year, you would notice that your expenses on hotels would be enough to buy another house. Thus, having a second home is an advantage of having multiple houses in the UK. It is possible to read advices to get a mortgage to get some information before getting a mortgage to buy a second house.

Investment and source of income

Multiple properties could serve as a source of income. For instance, if you have other houses apart from the one you live in or you have other types of properties such as those for commercial usage, you can rent them out. This way, other people can pay you regularly for living in or using those properties. This payment known as rent , could be monthly or yearly depending on your agreement with the tenants. This can be a regular source of income for you especially after you retire.

Could come in handy when you need money

Investing in multiple properties can also help you out when you need money. If an emergency should come up where you suddenly need over 100,000 GBP urgently, you can easily sell off one of your properties to raise money for the need depending on how important the need is and if selling your house to take care of the need will be worth it.

Cons of having multiple properties in the UK

There are some cons to having multiple properties in the UK. Some of such cons are discussed subsequently.

Stamp duty

In the UK, there is an extra 3 per cent stamp duty that applies when you are buying a second house. As a result of this extra cost, it would be more expensive to get a second property than getting the first property. However, this should not discourage you if you can afford it. It is just great that you fashion in the stamp duty when you are calculating the cost for the property so that you are sure that you can afford the property alongside the stamp duty before you start paying for it.

Difficult in borrowing

There are also instances where having multiple properties can reduce your chances of getting a loan from the bank. For instance, if you want to get a loan from the bank and their calculations show that what you are getting from your properties is below the mortgage for the properties you own, the loan could be declined.

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Is it a good idea to invest money at 2020 through coronavirus times?

Fellow Finance services

Anyone can set up an investment any time so far you have put strong measures to tackle the challenges ahead. You can invest your money during the coronavirus times; all you need do is to safeguard your investment and watch it grow. An investment could be an item acquired to generate income. You will need to prepare for emergencies and eventualities that could happen during the time of acquisition. Once you have put aside a plan to handle the unexpected, you can move towards making your investment a reality and have peace of mind. 

It is good to have investment irrespective of the situation or pandemic period. Still, you must take into consideration where to put your money and how viable it would be with time and how much profit you will make from your investment. During the pandemic, since most businesses operate or work from home, all you need is to think of an investment that will give you an excellent and high return on investment (ROI). At this period, you need to brainstorm and read lots of books on investment before you go ahead to place your money on it. You could get such information and guide from Fellow Finance services on how to forge ahead in time like this with your investment. Look for investment that will give you quick action and flexibility. 

You can look for a reliable, transparent, and viable business to invest your money not to lose it gallantly. It all depends on your investment choice, which you think might give you joy and peace of mind you desire. You can as well look for other products investments to invest your money wisely. 

Some business experts believe that the best time to invest is when there is a crisis because people will need a particular product. For example, when coronavirus first noticed, we were all asked to start using a face mask, face shield, and hand sanitizers to protect from contracting the virus. Those companies that invested in the mass production of the items made lots of profits from their investment. 

Whether you plan to go into any investment during the coronavirus time or not, there is always a risk attached to any investment plan. There are also warnings from the government advising people to wisely invest their money during coronavirus period. The only index is that you must compare variables with one another or with some other references, which will help you choose the best way to put your money. You must follow every news on investment rules and regulations to avoid losing your money to fraudsters during the coronavirus, all in the name of investment. 

In every investment, risk is always involved whether there is a pandemic or not. One of the essential keys to choosing an investment is the risk factor. Though the tolerance rate differs from each individual due to unique features, this is a reality. The understanding of risk factors will help you stand the risk and guide your investment portfolio judiciously.

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Why is it that difficult to manage and save our money? The importance of new financial apps and customer experiences.

saving money

Money, as a means of exchange, is sometimes the most important thing to most humans. Having it gives one a feeling that anything can be done. However, the absence of money could lead to vulnerabilities such as depressing thoughts that the world is beyond one’s grasp. Empower Finance (US) opinions gives their opinions on this and saving money can be synonymous with saving life.

Money appears in several currencies but the currency notwithstanding, the fact remains that a lot of things can be controlled when one has it. Money comes with influence and respect. A poor man in Chapter 9, verse 15 of the book of Ecclesiastes, in the Holy Book proved how one can be ignored when one lacks money, even after doing something great.

Now, it comes to how we can effectively manage the money we have to be able to claim our space in the world of relevance. Technologies have made buying and selling easier and faster; it has created a quicker way to earn and spend money in a matter of seconds.

Why not utilize these same technologies to your benefit? You can harness the various routes of making money via technology and you ought to be able to maximize how to manage it effectively by the help of technology. Here are some tips to manage your finances:


Apps such as Microsoft Excel and WPS Office enable you to plan your yearly, weekly or daily budget via the spreadsheet on them. Every budget should include a percentage for savings. This is a prerequisite to having a financially stable life.  Budgeting has definitely saved a lot of middle income families by preventing overspending and not living above their standards.


Apps such as Piggy vest will guarantee interest on saving with them, and one could also earn commission for referring the app to others. Other applications like Tradevest can help one to invest in foreign exchange for maximum profits. With the present popularity of internet monies like Bitcoin and Euthereum, investments options abound technologically.

Diversified Portfolios

Having more than one stream of income is advisable in this changing world. The Pandemic has definitely brought with it some enlightenment on the fact that nothing in this world can remain forever. Apps such as Freelancer, Fiverr, and Upwork have changed the online marketing business, by providing a platform where several clients can meet, get their Content Writing, Photography, Engineering design, Art project and many more stuff done.


Investing in Government bonds depends on the rate of the bonds. Bonds may not bring that big profit all at once and could take time. The best decision is to find out the best rates for you and reap the long-term benefits.

Tracking your investments

Forbes recommends Personal Capital as an app for keeping track of your investments and creating budgets. Personal Capital is a useful tool when evaluating your portfolio. Mint is another Forbes recommended application. Mint is user-friendly, so newbies can find its use easy. Mint can help to create a budget-linking your credit card, bank and loans. This is the feature that makes it so attractive to newbies.

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5 Legal Risks Commonly Faced by Startups

Watching a personal hustle or project that you have invested so much time and effort into, grow into an organization that requires the incorporation of a structure is usually an exciting feeling. Ask anyone who founded or co-founded a company, and you will get educated on the nostalgic feeling associated with the realization that the small startup is finally becoming a full-fledged company. In this age of technological innovation, the majority of the startups springing up have a focus on technical solutions.

Due to the legal and managerial inexperience of the average curator of such a technological solution startup, many of them find themselves in a web of litigations that they could avoid. Legislations are daily springing up in the local and global business ecosystem, regarding the rules of engagement for companies, employees, and their customers. Just any kind of legal counsel will not suffice for businesses; instead, you shall require a legal team that is aware of trends in your industry.

By assessing the trend of litigations that have involved startups in recent years, we shall be highlighting some legal noose that founders have to tie before diving to sign any agreement of incorporation.

1.Choosing an appropriate business structure; to avoid tax burdens, liabilities, and other challenges.

In haste to get the balls rolling, founders of startups sometimes opt for obtaining local licenses that enable them to function as either a sole proprietorship or general partnership. However, these kinds of structures leave the founder or partners with truckloads of liabilities to address, not to mention the risk of direct exposure to creditors. LLCs, Corporations, and Limited partnerships are better alternatives. Though the later business structures might be more expensive to put in place, they will, however, save the founders and investors a lot of headaches in the future.

2.Setting the records straight; avoiding risks of litigation between co-founders

Before a startup becomes structurally functional, the founding contributors need to agree on the following – terms of engagement, individual responsibilities, terms of disengagement, distribution of liabilities, losses, and profits. At the inception of the business, before benefits start flooding, it is always best to have the co-founders agree on the mentioned issues and have the terms appropriately documented.

3.Designing a good employee contract

In climes like the US, where labor laws are stringent, it might be foolhardy to employ the services of people without having a draft of the contract. Such contracts will include an emphasis on things like the conditions of employment, anticipated benefits, a handbook stating organizational code of conduct might equally be necessary. It is also essential to apply for insurance, to foot legal bills, should a former employee decide to sue.

4.Securing business intellectual property

Before any startup goes public, it is always essential to conduct thorough research on the legal validity of your intellectual property. Assigning a pseudonym or mark to your business idea, which has been registered by an already existing parastatal is an open letter to litigation.

5.Seeking the right legal counsel

A startup cannot afford to employ the services of just any lawyer, perhaps by personal affiliation. For example, when it comes to legal structures for Corporations, talking about Delaware Business Incorporators is a step in the right direction.

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Post Office & Payzone Merger Proves Useful Amid a Crisis

Recently Payzone, (which was swallowed in 2018 in the game of Mergers), announced remarkable performance.

The platform has so far onboarded over 2,300 independent retailers in just six months. Some of the retailers who’ve signed up were allied to Bestway, Budgens, and Costcutter.

In Oct 2018, Payzone entered an acquisition deal with Post Office, and the merger is doing well so far. Payzone has now set foot in over 24,000 locations.

Winning Big Deals

Besides that, the combined firm has earned a spot in the market, and now offers services to big companies. In Dec 2019, British Gas entered a business relationship with Payzone & Post Office as its official bill payments provider.

Under the deal, Payzone has been processing nearly 1.3 million British Gas payments since January. And not just that, Payzone’s most recent deals include big names like Jersey Electric and Scottish Power Smart metering.

 “Our most recent deals show we’ve significantly upgraded payzone merchant services for different retailers and their consumers alike. As more customers increasingly rely on their nearby convenience stores for bill payments and groceries, it’s inspiring how our retailers have united for the good of shoppers, especially the vulnerable groups amid a pandemic,” said Andrew Goddard, MD of Payzone Bill Payments.

Goddard also hinted that moving on, Payzone will enter deals with new partners in a bid to attract more users to its products.

Caring Amid a Crisis

Throughout Corona, Payzone retailers have offered support to their surroundings. The program also included useful insights like guidance on how and when to top-up you Electric & Gas cards, as well as local product shipment to people of age and vulnerable groups.

Payzone has also started its #Keeptalking campaign on the various social media platforms. The campaign persuades customers to reach out to any self-quarantining neighbor, relative, or friend by topping up their airtime and calling their families.

Final Words

It’s impressive to see a merger become productive and benefit the society at large, particularly during a crisis.

Post Office & Payzone’s performance proves the importance of the many mergers and acquisitions we’ve seen, especially in the fintech industry, over the recent years.

Author Bio: Payment industry guru Taylor Cole is a passionate payments expert who understands the complex world of merchant accounts. He also writes non-fiction, on subjects ranging from personal finance to stocks to cryptopay. He enjoys eating pie on his backyard porch, as should all right-thinking people.

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