Three Things To Know About Car Warranties

Any car owner can feel at ease about bringing their car to the shop if they purchase a car warranty. Car warranties can lower the cost of maintenance and repairs performed on your car. Here are three things to know about car warranties:

First off, know where the warranty is coming from. Is it coming from an auto manufacturer or an aftermarket auto warranty company? Also, know who is handling your policy.

Second, be sure to completely read through the entire warranty. This way, you will be knowledgeable about what type of coverage you are receiving and how long the warranty will last.

Lastly, know what specific maintenance that you need to have done on your car because there are some car warranties that will only remain valid if this work is done on your car. Also, make sure that you keep all of your car’s maintenance records in the event that there is a claim.

Car warranties will allow you to have peace of mind each time your car goes into the shop for repairs and maintenance. However, it is important for you to know all of the details of your warranty if you want to get the most out of it.



The Centers for Medicare & Medicaid Services (CMS) is working diligently to make healthcare quality information more transparent and understandable for consumers in all stages of life to empower them to take ownership of their healthcare choices. This includes decisions about end-of-life care, when consumers in a time of vulnerability need transparent, digestible information to make the best choice for their care or the care of their loved ones.

We at CMS understand that there are many difficult decisions that come with a terminal illness—including deciding if hospice is right for you and which hospice to choose—which is why we have launched Hospice Compare. This new website will help empower you by allowing you to easily and quickly compare hospice providers on various aspects of care and assess the quality of care that potential hospices provide.

Hospice Compare provides information on hospices across the nation and allows patients, family members, caregivers, and healthcare providers to compare hospice providers based on some key quality metrics, like what percentage of a hospice provider’s patients were screened for pain or difficult or uncomfortable breathing and if their patients’ preferences are being met. Specifically, the quality measures look at the percentages of patients who received recommended treatment, for example:

  • Patients or caregivers who were invited to discuss treatment preferences, like hospitalization and resuscitation, at the beginning of hospice care;
  • Patients or caregivers who were invited to discuss beliefs and values at the beginning of hospice care;
  • Patients who were checked for pain at the beginning of hospice care;
  • Patients who received a timely and thorough pain assessment when pain was identified as a problem;
  • Patients who were checked for shortness of breath at the beginning of hospice care;
  • Patients who got timely treatment for shortness of breath; and
  • Patients taking opioid pain medication who were offered care for constipation.

The information on Hospice Compare can be used along with other information you gather about hospice providers in your area. In addition to reviewing the information on Hospice Compare, you’re encouraged to talk to your doctor, social worker, other healthcare providers, and other community resources when choosing the best hospice for care for you or your loved one.

Home Warranty Business Accused of Not Paying Up

As the housing market bounces back, business is also on the rise for the home warranty business. U.S. homeowners will spend almost $2 billion on them this year. But do they come through when help is needed? Judy Osiecki is not a believer.

"It gives you a false sense of security that you are covered if something happens."

The Arlington Heights woman paid Choice Home Warranty $375 for a one year plan that promised to replace or repair appliances and home systems if they broke.

"They told me they would send a repair person out and they would either repair or replace it," Osiecki said.

So, when her furnace went out, Osiecki called Choice Home Warranty. A repairman -- who had never seen her furnace before -- came out to take a look and reported his findings back to the company.

"He said I'm not covering it. I said why? He said it was a pre-existing condition," Osiecki recalled.

Osiecki was stunned at the words. Like many home warranty companies, she said Choice Home Warranty never asked for inspection reports or repair bills documenting the condition of her appliances before she signed up. It was a denial made based on her word against theirs.

"It made me furious. Furious! Because everything you own has a pre-existing condition on it," Osiecki said.

A loophole in the contract gives Choice Home Warranty a green light to deny claims.

Osiecki isn't the only one complaining. Scores of other Choice Home Warranty customers blast the company online calling it unethical, a scam, and a business that gives any excuse not to pay a claim. The company also has a "C-" rating with the Better Business Bureau based on its volume of complaints, amongst other things. With winter on the way and no help in sight, Osiecki had no choice but to shell out $1,700 for a new furnace.

"They're basically selling these policies to hundreds of people a day and recouping who knows how much money, and they're outlaying nothing."

Choice Home Warranty told NBC 5 Investigates that it takes customer feedback seriously, and handles complaints in a fair manner. But after giving us that statement, the company then sent another message to Osiecki, telling her she could only be paid if she promised not to speak to the news media. She said the company promised her a check for about $1,700 next week.


The Pros and Cons of Having a Home Warranty

If you purchase a second-hand home, you might mostly be offered a home warranty so that anything wrong with the home can be fixed at an affordable price. This can offer you financial protection against unprecedented damages you might have to face.

The advantages of having a home warranty

If you don’t have an emergency fund or if you have one and you want to protect it, you can use a home warranty as a safeguard. Home warranties are also very handy if you don’t have the knack for fixing things on your own or even if you have very expensive tastes in home appliances. If you only have a little knowledge of how well your home components have been maintained, having a home warranty can be very reassuring. A warranty can also help if you have spent most of your savings on purchasing your new home by taking care of any possible additional expenses.

The disadvantages of having a home warranty

Having a home warranty won’t cover items that have been poorly maintained. However, what exactly constitutes ‘poor maintenance’ is a matter of dispute. Home warranties also come with certain limitations on what can be covered and how many dollars’ worth of repair can be done each year. So if you have outdated equipment that the previous owner failed to maintain, it might not be covered under your warranty. Conversely, you might not suffer any damages at all during your time at your new house, in which case you might have paid for a home warranty for nothing. Instead, money could have been put into an emergency fund to make repairs and replacements.

Auto Warranties For New Cars

A warranty is the guarantee made by the seller to the buyer for a product being sold. When the warranty is for a car, it is a contract for repairs and replacement of parts for a certain period of time.

New car warranties come with the purchase of a new car and they offer many benefits. When a manufacturer sells a car and provides the buyer with an auto warranty for their new car, the buyer is being guaranteed that if the car has any defects or mechanical failures, the part will be fixed or replaced free of charge. There are different kinds of auto warranties. There are “bumper-to-bumper” warranties and “powertrain” warranties. Bumper-to-bumper warranties cover all of the parts of the car from the front bumper to the back bumper. Powertrain warranties cover the parts of the car that make it run.

Auto warranties allow you to have peace of mind whenever you receive a repair bill from your mechanic.

Understanding the Key Terms on Your Warranty

If you're reading through your new car warranty for the first time, or you are considering purchasing a new car, there may be a few terms in there that you don't know. To help you understand your warranty, we've defined a few key terms:

  1. Bumper-to-Bumper: a type of warranty also commonly referred to as a basic or standard car warranty. All automakers offer a basic warranty for a set amount of time or miles. This warranty covers basic, non-engine parts of the car such as the power steering, fuel system, lights, sensors, audio system, brakes, and climate control. If any of these parts malfunction while you are covered with a bumper-to-bumper warranty, your dealer should pay to fix them.
  2. Deductible: the amount of money you pay the repair facility for repairs on your vehicle. Some warranties cover the cost of all repairs and labor, but others require you to pay a set amount out of pocket.
  3. Federal Emission Defect Warranty: a type of warranty that covers repairs your car needs to meet the Environmental Protection Agency (EPA) standards. This includes defective materials and repairs.
  4. Plan Term / Plan Expiration: the length of time or the amount of mileage your warranty covers. When you reach the end of your plan term, for example 3 years / 60,000 miles, your warranty plan will expire.
  5. Powertrain: a type of warranty that covers certain "powertrain" parts of your vehicle. These parts include the transmission, engine, and drivetrain (transfers power from the engine to the wheels and down). If your powertrain components are found defective or damaged before your powertrain warranty expires, the manufacturer will pay for replacements.
  6. Roadside Assistance: provides owners with assistance if the vehicle breaks down. This often includes a number you can call 24-hours a day, 365 days a year for emergency assistance, towing, help with a flat tire, or fuel problems.
  7. Surface Corrosion: rust on the outside of your car. Substances such as salt and iron oxide can make it easy for rust to form on your car. Some warranties do not protect against surface corrosion.
  8. Transferability: when you sell your car and transfer your warranty to the new owner. Car manufacturers may allow you to transfer the entire warranty, half, or none.
  9. Wear and Tear: when components of your car stop working due to external conditions. This means that your air system or radio stops working because of operational error, not because the parts can wear out. Some warranties cover wear and tear.

10 Things to Love About Do-It-Yourself Painting

I’m as ready as the next person to call in a building contractor when the need is there – even to hand things over to a professional painter from time to time. But when it comes to interior painting, in particular, I’m always tempted to do-it-myself.

Interior painting is a perfect do-it-yourself project for so many reasons. Here’s a quick list of 10 things I love about it:

1. It requires little or no experience. With just a little input and direction, even first-time painters can achieve professional-looking results.

2. It unleashes creativity. Today’s vast array of paint colors and sheen levels gets the creative juices flowing like no other form of interior decorating.

3. It is a great way to re-style a room. Changing from warm to cool wall color, or switching from light to dark hues, can quickly and dramatically change any part of the home.

4. It makes any space more personal. All due respect to interior decorators, but there’s something special about seeing your personal vision come to life with a color scheme and paint treatment reflecting your own taste and aesthetic.

5. It can be done in stages. You can do the surface prep one day, the painting another. Even the painting can be done in fits and starts, as long as you don’t stop in the middle of a wall.

6. It doesn’t take long to enjoy the result. Start to finish, most rooms can be painted in a weekend; many small spaces in a single day. For all practical purposes, you get immediate gratification!

7. It isn’t physically demanding. Granted, painting involves some stretching and squatting, but it’s more like exercise than physical labor.

8. It is an extremely economical way to remodel. It can cost many hundreds, or even thousands of dollars to hire someone to paint a large room. But when you do the work yourself, painting is very inexpensive.

9. It is easy to obtain expert assistance, if needed. You can get lots of help from the staff at almost any paint store. More help is available online from paint manufacturer websites.

10. It’s fun. That’s what I like most about do-it-yourself painting. Maybe the pleasure part is why I re-paint so often!

If you haven’t experienced the thrill and satisfaction of doing your own interior painting, you should give it a try. You’ll soon see why so many homeowners and apartment dwellers find it so addictive.