Before we begin, you must understand that home warranty insurance and homeowner’s insurance aren’t the same. A warranty is merely a service contract between you and the insurer to cover home repairs and replacements for basic appliances and systems. Home warranty companies only cover damages to your appliances and systems, but you will still be liable to damages that have been caused on account of misconduct. Homeowners insurance provides complete cover for damages, replacements, and even personal liability on account of any damages. Here are a few tips to help you get the best home warranty ins plans quotes online.

Check accreditation
One of the foremost factors to consider includes the Better Business Bureau (BBB) rating and accreditation. The BBB certification implies that the company adheres to the business standards set forth by the governing authority. So, ensure you compare home warranty ins plans quotes among those companies that have an A+ accreditation and have been providing insurance services for quite some time.

Check State regulations for warranties
There is no one uniform regulatory authority as home warranty companies in all 50 states are governed by their respective state laws. For example, not all states require the insurance provider to register their services with the Commissioner of Insurance. Note that State regulations impact the quality of warranty provided by the companies.

Be aware of coverage rules
Home warranty provides a limited cover for select home appliances and systems. So, you must double check to confirm that the plan you choose covers mostly everything. There is absolutely no point in paying a premium for vendors who cannot provide substantial cover for damages and replacements. Also verify and understand the claims process after you choose a plan. Quicker the claims and reimbursement disbursal, better will be the insurance company.

Calculate cost of home warranty
It all ultimately comes down to how much you are willing to spend. You will be able to set a budget only after narrowing down the number of appliances and systems that you want to include in the warranty cover. Several factors constitute the cost of the insurance plan apart from the premium and deductibles.

Here are some of the popular home warranty insurance plans and quotes you can get online

• American Residential Warranty
  Best overall service provider for home warranty
• AFC Home Club
  Brings you the flexible plans
• American Home Shield
  Gives you better coverage options
• Amazon Home Warranty
  Top BBB-accredited service provider

Instead of the high specifications that one looks while buying a laptop; it is the use of the laptop that they should be considering. If you are buying a laptop to simply check emails, surf the internet or just make word documents, you could simply choose a laptop with general specifications. These laptops would be cheaper than the others and cost you under 300 dollars. These laptops can perform moderate tasks without any problems while coming in a budget that is pocket-friendly to most. If you are looking for particular tasks such as gaming, the laptop should be skipped as the hardware on them might not be very powerful. We are reviewing two laptops under $300 to understand the specifications and look of the laptop that one could buy fewer than $300.

There are a lot of laptops that are available in the price range, and it is essential to understand whether you should buy a Chromebook or a Windows laptops that are priced under $300.

The Lenovo’s IdeaPad is an all-purpose laptop that is made by keeping in mind the requirements of students and businessmen alike. It is a sturdy laptop with a texture that can provide with a nice grip. The multi-functional keyboard has good space for arms rest, while the touchpad of the laptop understands the multi-finger gesture. It has windows10 that runs on a 4 GB DDR3 RAM. The processor is powered by the Intel Pentium n3540 2.1 GHz Quad-core Processor. It has a 500 GB space for plenty of room to store your work and provides you with smooth performance. This laptop is a very good deal for your money. This laptop features a 15.6-inch display that is extremely easy to work on.

Toshiba is a trusted brand, and the Toshiba CB35-BB340 Chromebook is powered by the Intel Celeron processor and a 4 GB of RAM, ensuring a smooth inter surface. The Chromebook has an internal memory of 16 GB. The aluminum finish on the laptop makes it look premium, and it has a USB and HDMI port that helps you connect. The keyboard and the trackpad are extremely good. This laptop features skull candy speakers, giving you an experience of listening to good music. If you are the one that sticks to surfing the internet all day, then this Chromebook should be your go to.

While hunting for low priced laptops, you should see the purpose of each to determine the buy. There are also a few gaming laptops, and these were the two that we thought are a perfect start for someone struggling to buy a basic laptop under $300.

Who said men don’t have a taste for fashion. If you are among those men who are looking to buy winter jackets for your outdoor expeditions during fall or think it is never too early to be weather-ready, here are some of the best men’s winter jackets from top brands like North Face, Canada Goose, and Patagonia. Check them out now.

For a mod flamboyant look, the North Face White Catalogue Collage Print jacket is apt. Available in 7 different sizes starting from XS and going up to 3XL, you can find one that fits you in three other colors too. Designed from more than 50% recycled materials and insulated with 700-fill goose down feathers that are certified to the Responsible Down Standard (RDS), these jackets are the best for the upcoming winter season. The North Face White Catalogue Collage Print jacket is lightweight, non-hooded with a double layer taffeta on the shoulders, a hem cinch-cord, and a center front zip.

Available in black, graphite, navy, red and military green, The Expedition, an extreme weather parka from Canada Goose was developed by scientists working in Antarctica, at the South Pole at a record low temperature of -56°F. The Canada Goose Expedition Parka that has been field tested in extremely cold climates has as many as 11 pockets for quick storage and hand warming and features their signature Arctic-Tech technology. A regular fit that reaches mid-thigh length, and filled with down feathers and Coyote fur ruff, this men’s winter jacket also has a fleece-lined chin guard and a hide-away nylon elasticized snow skirt for extra warmth from the cold weather.

Patagonia is a brand known for its sporty outdoor apparels that are most comfortable and easy to pack for travel. The Patagonia Men’s Down Sweater Hoody is lightweight and windproof with a 100% recycled polyester ripstop shell that is durable water repellent and 800-fill-power Traceable Down. It features a single pull adjustable hood, their exclusive center-front Vislon® zipper that has a wicking interior storm flap two hand warmer pockets, internal zippered chest pocket that converts to a stuff sack with a carabiner clip-in loop and comfortable nylon-bound elastic cuffs that seal in warmth.

These stylish men’s jackets will not only keep you warm during the winters bust also make you stand out.

Being Straight Talk customers, you can even make a choice from 100 MB to 5 GB, as well as 10 GB plans, which rely on their data needs. Through the carrier’s core plans, you can find that data and minutes which will simply expire after 30 days. The customers can purchase the 5 GB plan in three-month, six-months, as well as one-year increments. When you buy the data in bulk, it will simply save you about $45 on the monthly plan that you choose. Straight Talk customers would also gain bonus data or additional discounts by automatically refilling their accounts.

All Straight Talk plans include unlimited texts and most plans include unlimited minutes. There are even certain international plans which cover calls to some international destinations such as Mexico, Canada, China, and India.

Straight Talk’s Network
Straight Talk is nothing but a Virtual Network Operator (Mobile), which contracts with Verizon, AT&T, as well as T-Mobile and Sprint in order to provide access to its customers in the largest nationwide networks.

The network you use usually relies on two aspects: where you stay and the phone you buy. The phone carrier presents you with phones that run over the preferred networks in that specific region. Suppose, you are in a city where many carriers have got a strong coverage, the network that you usually use will be reduced to the phone that you choose. Because some of the phone models run on CDMA networks, while others run on GSM networks.

It is better to buy Straight Talk at your local store, because it may become difficult for you to tell which network you are using before buying a phone; especially, when you buy a phone online. Hence, if using a specific network is essential to you, the best idea is to sign up in a store. Then, you can simply ask the sales representative to assist you to choose a phone that uses a particular network. Else, you can get phone on your own and buy a SIM card for your preferred network.

Bringing your own phone to Straight Talk
Straight Talk allows customers to activate their own phone over its service; however, the phone must be very compatible. You can even have an option to check Straight Talk’s website and thereby check for the compatibility.

Right from there, you can simply select if the phone is from AT&T, or T-Mobile, or you can simply check if it is of Sprint or Verizon. Further, you will be informed to enter your ZIP code and the phone’s unique identification number on the website. Once you find that your phone is compatible, you can simply purchase a SIM card or activation kit, as well as a cellphone plan, and you are on your way to availing Straight Talk’s service.

As soon as summer and spring descend, it’s time to whip up the seasonal beverages that will keep you cool. Iced tea and flavored iced coffee are two of the most popular beverages during this time; they give you your caffeine fix as well as a respite from the heat outside.

It’s true that your local barista or the popular coffee chain in the neighborhood will have some of the fanciest-looking flavored iced coffees in their menu, but when you break down the basics, most of these can be easily made at home. Whether you want a light vanilla-flavored iced coffee or something more dessert-like with a nice topping, you can try your hand at these delectable flavored iced coffee recipes at home:

• Vanilla-flavored iced coffee: This is one of the simplest flavored iced coffee recipes. For this, you will need a cup of ground coffee, 4 vanilla beans that are split lengthwise, a cup of milk, ¼ cup of sugar, and a few ice cubes. Mix the ground coffee with 4 cups of water. Cover it and let the coffee stand overnight or for 12 hours at room temperature. Mix the vanilla beans, sugar, and milk in a saucepan and let the mixture simmer over medium heat. Let it stand and steep for 20 minutes. Strain the coffee into a bowl through a fine-mesh sieve. Through a coffee filter, strain the coffee again into a large pitcher. Fill four tumblers with ice cubes, pour coffee till one inch of the rim, and then pour the vanilla-flavored milk.
• Chocolate-flavored iced coffee: This chocolate-flavored iced coffee has a sweetish taste to it. This recipe calls for a cup each of fat-free milk and boiling water, 4 teaspoons each of instant coffee granules, chocolate syrup, and sugar, 1/8 teaspoon of vanilla extract, and a few ice cubes. Dissolve the coffee in the water in a large bowl. Add and stir well the rest of the ingredients. Serve this flavored coffee over the ice cubes. You can top it off with a couple of scoops of vanilla ice-cream.
• Thai iced coffee: Although the name has an exotic touch to it, this flavored iced coffee is quite easy to make. The ingredients required are a cup each of ground coffee and sweetened condensed milk and ¾ cup of milk. Make four cups of strong coffee by brewing the coffee in four cups of water in a coffee machine. Chill the brewed coffee in the refrigerator. Mix both the varieties of milk in a small bowl until a smooth consistency and chill the milk. While serving, pour the coffee in four tumblers filled with ice cubes and top them off with the chilled milk.

While being selected for the college that you’ve always dreamed of is an achievement worth all the happiness, it usually drains away thinking of the hectic procedure to be followed to receive financial aid. However, it is not as difficult as one thinks it would be when handled one step at a time.

To start off the process, the first and the most basic thing to do would be to fill the free application for federal student aid (FAFSA) irrespective of your thoughts on qualification for the aid. FAFSA is taken into consideration to qualify you for grants, scholarships, work-study and student loans. It is more important to fill it, and that too early as some schools distribute their funds on a first come, first serve basis.

From the information you provide in your FAFSA, a summarized report called the student aid report (SAR) would be sent to you by the department of education. This report will calculate an estimate of the amount that can be contributed by you and your family (EFC) towards the college fee, which when found to be less than the college’s cost of attendance will likely make you eligible for receiving the aid.

A copy of SAR will be sent to each school listed on your FAFSA, which will prepare a package of financial aid to suit your needs. This information of financial aid and loans allocated to you and eligible for you will be presented to you by each of the school as your award letter which can be compared to make further decisions on which school would help you better financially.

Always keep the grants and scholarships available from various sources in mind as they are capable of making a significant difference. You are usually automatically considered for grants by your schools at the time of admission.

After putting together all the information of the amount you’d be receiving from various sources, if you still fall short, it would be a good idea to make a comparison of the available federal and private loans.