Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
2000 Ste B Dumaine StNew Orleans, LA 70116
From Business: Creative Concepts in New Orleans, LLC is an exquisite full service salon offering the most exceptional quality of beauty services in the New Orleans Metropolitan …
Serving The New Orleans, LA And Surrounding AreasNew Orleans, LA 70130
From Business: MCA Roadside Motor Club is an authorized reseller of Motor Club of America memberships throughout the U.S. and Canada. These memberships include roadside assistan…
9860 Lake Forest BlvdNew Orleans, LA 70127
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
Great apps and resources that can help make you the master of headache-free pickups and dropoffs.
My wife has been a part of this establishment as a customer for a few years amid "Hurricane Katrina", as we were diplaced it behooved us to find another with equivalent services. Needless to say, we could not be satisfied with settling for medeocrisy so it is not a problem to drive 3 hours bi-weekly to have hair done. The atmosphere is professional, the clientel is professional and upstanding; the building is clean and minted; the stylist are pleasant and timely; the owner is exceptional in her operation of this Hair Salon. One can tell that she really enjoys her work and takes pride in each individual work. As a result, women leave this place on the up swing and their walk is definitely with a swagger. In other words: they know they are looking great! At "International Hair Affair" You won't leave their looking like you did when you came in. One definitely gets their monies worth here. Most men complain although we are glad to our wives keep themselves looking exceptional. However, once a man see his wife after she has been under the care of "International Hair Affair" stylist, he will push her to keep every appointment. He will want to obtain such a stunning look on his better half.
I have been a friend and a patron of proprietress Patti Spring at Live Art Studio for over 15 tears. I am still at wonder at how many things are always going on simultaneously at her studio. Don't let the name go unnoticed, as the second you enter this space, there is alot going on, without hitting you over the head with it, and baby, its is truly live. You may enter to get a haircut or a massage, but before you leave, you will also have encountered physical art of of various media such as paintings,sculpture,pottery,(all done by local artists), not to mention one of a kind jewelry created by Patti hersef. The art and jewelry displayed constantly changes, and its always fresh and exhilarating. There are also aromas in abudance,high quality hair products,marvelous soaps and fragrances. Patti is smart, funny,totally at one with the world around her, and I am inspired every time I visit. I truly believe you owe it to yourself to give this wonderful environment a try.
You must ask for Jessica. I've been to many professional hair stylists from Hollywood (I work in the film industry), and Jessica is undoubtably the best. She possesses an immense sense for detail, styles precisely as you so desire. What is she doing in a Megacuts? I should take her under my wing and set up an exclusive shop for her. Self-confident, Jessica has, without a doubt, the personality married with the skill. And believe you me, a decent haircut is hard to come by. But Jessica's work is beyond decent, it's truly wonderful. And by the way, I have no vested investments nor do I know anyone affiliated with Megacuts, but I sure found a gem called Jessica. Not many "no appointment", "off-the-street" hair cutting salons have true, and I mean true professionals! But I found one.
This Salon is wonderful. From the moment I walked in, I knew this is the place for me. The atmosphere is so soothing and elegant. They have a private waiting room with complimentary bottle water and coffee bar. The shampoo room is private and relaxing. I got color and was amazed by their stylish and clean color bar. I didn't feel crammed or stuffy as everything is set up in a spacious flow. The stylists and staff are pleasant and extremely accommodating. I wasn't rushed, the stylist did an excellent job and was very professional yet relaxed. They recently added a private nail room that is also elegant, relaxing, and luxurious. I can't wait to go back and get a manicure and pedicure. I'm telling you, once you go, you will not want to leave. This place is absolutely stunning. I love it.
Excellent salon! Thank you Kelly and Dallas! I felt like a celebrity! The environment is relaxing and spa like. Service was awesome from my initial phone call (to ask if they were comfortable with natural African American hair) to the complimentary beverages and final style. These guys are great. I called and made an appt. because I wanted to switch from my natural state to something sleek for my look that evening. Did I mention I probably have the hair of 2 1/2 persons? They went to work and took the time to blow out and flat iron my hair to soft and shiny perfection! Felt like I was at my home stylist...great conversation and great people. Even my patiently waiting hubby felt at home, he was also thoroughly impressed! Thanks Dallas and Kelly. You are a master at what you do! Debbra & Eric
I typically don't write reviews but this shop Tru Rootz deserves one. Not only did he take my call for a late night appointment but it was after he was CLOSED and worked on my hair until 1am. I explained a few problems that I had. 1) I recently stopped wearing sewins and wanted to wear my hair in a natural hair style. 2) I just couldn't style it and the next day at 9am I had a job interview. I called Tru Rootz and the stylist surprised me and he worked a miracle on my hair. I was very pleased on how my hair turned out. Tru Rootz is one of the best natural hair shops that I've been to in a very long time. I enjoyed the courteous service and the personal touch. This is a Class A shop , the man that gets the job done...and I want to tell him thank you so much and I did get the Job!
It could use more parking, but the shop is newly remolded and very clean, but I think Sabrina, the stylist is the best thing about the shop. If youre looking for someone who's prompt with fair prices, then give her a try. Sabrina will listen to you and provide the service you request, but at the same time she will give you advice based on years of experience and some pleasant creativity. Her prices are fair and she wont try to trick you into other services that you dont need or want to try to charge you more money. You'll want to just give it to her as a tip because she's nice. If you prefer a divo, ghetto hottie, or mess mouth to do your hair, they have some of those available too, but I cant advise you to become their client. I can honestly say Sabrina has done wonders for me.
I had my wedding hair and make up done at Glamour Therapy by the lovely and talented Natalie. I scheduled a trial a few days before and we tried several different styles out. During the process, she was very patient despite my uncertainty about exactly what I wanted. On the day of, she worked with me until it looked just the way I wanted. When I started planning my wedding, I wasn't sure if I wanted to have my make-up professionally done. But I'm sure glad I did. My make-up looked flawless (but not fake) and it lasted all night. And the falsie lashes really made me feel glamourous. At my wedding, I received so many compliments about how beautiful I looked too! I can't recommend Natalie and Glamour Therapy's services highly enough!
we've been customers in this place because of Glen, He used to cut the hair of every member in the family, my girls loves him, my son and my husband -both - are very 'particular' about the way they want their hair, and only trust Glen for that! Today we went there and they told to us h's no longer working there, and we left...Then we drive to the Super Cuts that are located around the corner on Jefferson (where Walmart is on Harahan) and, we were so Happy to find Glen there! Other ladies at Mega Cuts are nice and do an okay cuts, and definitely we feels so much confortable with Glen's way to works! so, here we are now... on Super Cuts, following Glen! :)
Headquarters is unique with it's Marilyn Monroe pictures plastered all over the walls and ceilings. The stylists are wonderful. You cannot walk into the salon with out feeling a warm and welcoming atmosphere. And never a dull moment! Owner, stylist Rick with his quirky sense of humor will have you relaxed and laughing in no time. Everyone becomes a friend at Headquarters. I highly recommend it. And a manicuist is there. I haven't had her service yet, but I understand she is good. So next time I go I plan to have a pedicure and manicure while my hair is becoming youthful! Happy Client for 20 years
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.