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While medical opinions about gluten allergy vary, more and more consumers are beginning to experiment with removing gluten from th…
2800 Potomac AveArlington, VA 22202
From Business: The Renaissance Arlington Capital View Hotel is pleased to announce the opening of its signature restaurant SOCCi urban Italian kitchen+bar. At the heart of the n…
While medical opinions about gluten allergy vary, more and more consumers are beginning to experiment with removing gluten from th…
Living in small space doesn't mean you can't have a furry friend -- it just means you have to do some planning.
In the wake of a disaster, communities outside the affected area want to know how to help. A variety of reputable organizations ha…
Great shared birthday experience with the wifey. The server was perfect and I mean on point every time. . They made her birthday extra special with a happy birthday plate, cake and shots! Awesome and unexpected touch! ..Fee parking in the garage 200 yards away! Highly recommended for a special occasion.
The owner is very warm and the staff is attentive. The Gnocchi with Alfredo sauce is great and Nana loved the Veal. Good prices compared to California Food happy to find another Gem on this trip. When we were ready to leave they hit us with a second menu for dessert Blessing To You and Your Staff.
I have plenty of business with this office due to the outstanding customer service. They know how to assist their clients and make them feel great! I love Johno!
Don`t buy anything here....
I am a current tenant in the building. Management: The management of this building is dishonest. This past month our utility bill was 4 TIMES what it normally is. The management told all residents to file all complaints with the utility metering company "Studebaker Submetering". Upon contacting Studebaker sub metering we were told that "The property ran out of their heating source and had to purchase oil for the use of heat for the apartment. The property is just now receiving these bills for that purchase, which is why you see it on your bill now. The property instructed us to break the cost down for three months. Meaning the next two bills will have an increase in HVAC." $180 a month is RIDICULOUS for utility charges for a one bedroom apartment! Even more ludicrous is that the management KNEW this increased HVAC charge was about to be dumped on all the residents for THREE CONSECUTIVE MONTHS and didn't have the decency to at least warn residents that it was coming or explain what was going on. They tried to pawn all responsibility off on the utility metering company. Completely dishonest and unfortunately an accurate representation of how the rest of this building is managed as well.On a separate note the maintenance staff is very responsive however the HVAC units in the building are very old. The unites are covered with mold every summer when the AC is on and despite filing multiple complaints with management and the maintenance staff they do not replace them they simply keep cleaning it off every few months.Location: The location is fine but there is a lot of noise from route which runs just behind the building.Amenities: They are over valued by the building. The "gym" is small and has very old equipment that barely works and no free weights. The roof patio is NEVER open except for 3 hours on July 4th every year to watch fireworks. The pool is nice though is not heated and often too cold to be comfortable.Overall I would NOT recommend that you move into this building.
I have lived here for 4 years. Overall Potomac towers is mediocre, they are overpriced and under deliver.The heating, air conditions, electricity and water are billed through a company called "Studebaker Submetering". The algorithm that the company uses does not accurately asses the use of heat or air conditioning. It reports the temperature in the apartment as a means for determining how much "heat" one apartment used. This month was warm in DC and we were hit was a very large bill. The heat is still technically on in the building but it has been so warm that our windows are always open and the heat is off 100% of the time (we even close the radiator valves). The algorithm records our temperature as being the 75 degrees that it is outside and our "heat" portion of the bill charged us for that. Utilities for a one bedroom range from about $100 to the $170 bill we got this month.This billing practices of this company are questionable.The building are always late turning on the AC in the spring which is not fair considering that everyone now pays utilities.The amenities are mediocre and overvalued by the building. The gym was recently repainted but the equipment is ancient and half of it does not work properly. There are no free weights, only 3 weight machines.
I've been in the area for quite some time, and this is by far the worst building I lived in. It's old, smelly and surrounded by all kind of noise and pollution sources. If you have allergies (like myself) this building and its surroundings will just make it worse.The building is overlooking the highway (I-66) and Route 50 (Lee Highway). It's also right underneath the path of planes heading to DCA airport, which can be very unpleasant and noisy (it's worth noting that studies have associated airplane noise with many diseases such as infertility).The noise factor from the Highway can be also very disturbing, as half the building is facing the I-66. In my case, I can't even open the windows given the surreal noise I get.The AC system in the units is old, outdated and represents a health hazard. The amount of allergens it releases is just alarming. I once opened the upper cover of my AC unit and was shocked to see that its home to numerous little insects.Same story at the kitchen. You can't even leave a bag of flour in the cabinets. Last time I did, it was also full of insects.The appliances are outdated and very bad quality. My fridge broke twice in the space of 4 months, including one time I was away on holidays. When I got back, all the food had perished and the whole apartment was smelling like hell. One neighbor even alerted the management thinking that there might be a dead body inside, given the smell that found itself to the hallway.The dishwasher is also a joke, dishes come out of it pretty much the same as they entered.The walls have cracks all over, and those by the window are getting water stains from the rain and not surprisingly mold also.The management of the building (Virginia Management) is all about profit. Move in fees ($300 non-refundable), pet fees ($500 non refundable)... and rent increases. Don't get fooled by the smoke to the eye renovation they did to the hallways and elevator, the true fact every resident knows is that it's an old, falling apart building, with units that need complete renovation and redoing.- Pet Policy : You can't really call this a pet friendly building. They don't allow "visiting pets". So if a member of your family or friend has a pet and wants to visit, they won't allow it.If you decide to have a pet, they'll charge you a $500 non-refundable fee, and increase your rent.- Parking : It's only outdoor and free (for now) but be aware. Your car will be damaged if you have an SUV or a large Sedan. I had to get rid of my Ford Edge because it was collecting scratches and dings all over in the parking lot.- Bike storage : it's smelly, dusty and non safe. My $600 Mountain Bike front wheel was stolen (lock broken), and another bike near by also stolen. The management did absolutely nothing about it. They simply don't care.- Maintenance : The maintenance people are doing their best, but again, they can't do much about such an old, breaking apart building. - Move in / Move out : If you're moving in, you'll have a crazy time moving your large furniture through the narrow floor hallways and through the tiny doors of the apartments. If by any miracle you manage to get them through, you'll probably have to leave them behind when you're moving out. They won't go out through the tiny narrow door.
Rachel She is good for business as well as lucky to have her. Great service!
I really love this place is one of the best ones in Crysta City, you can feel the love when eaten their dishes, I have been eaten there for the past 10 years and Is always good, my favor the zuppa di pesce and ossobucci great wine menu and a lovely ambiance
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.