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…
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.
As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
This was my first and only DUI, and as you can imagine, I had no clue about where to start, how to find a lawyer, or what the process was going to be with the DMV and courts for the next few months which really freaked me out. As a working professional, I had to make sure I kept my license to get to and from work otherwise it would cause major issues for me. I had originally signed with a different lawyer because I had asked a friend if he knew any criminal defense attorneys I could call and he recommended me a lawyer, so naturally I took his word for it and signed without much other research on other firms in the area. HUGE mistake!!!! Not only was this lawyer overpriced, asking for $7500 for the case which I stupidly agreed to, telling me what I wanted to hear, and just your typical sleazy lawyer, he did absolutely nothing on my case for months and months and just kept continuing my court dates. When I'd call for updates, he barely knew who I was or what my case was and I quickly lost more and more confidence in him representing me properly. I ended up firing him and started shopping around for other lawyers, but ultimately I had the most confidence in Howard Williams from Lieber Williams &amp;amp;amp;amp; Labin, who handled my case. Unlike the other lawyers I talked to, Howard spent an initial hour with me on a FREE consultation. The others didn't want to hear much detail about my case until I signed their retainer and paid them. They just told me what I wanted to hear which is that they could win my case. Howard went over the ins and outs of my case with me, told me what his strategy was going to be and why he felt that was the best strategy to go in with, where the police had made mistakes and how we can use that to our advantage, what he REALISTICALLY thought he could do with my case, and outlined to me all of the next steps so I knew what to expect. I felt so much better and finally felt like I had someone on my side who could truly help me. My whole case took about 6 months to close out and every step of the way, Howard updated me with what happened at each and every court date, and how the case was progressing. The best part is, Howard ultimately got my charges reduced so I didn't end up with a DUI on my record and at a lower cost than what I paid my first lawyer to do nothing!!!! All I can say is the system makes this whole process painful enough, and you need someone on your side who is competent, knows the courts, and knows how to do the right thing for your case! I got through mine thanks to Howard at Lieber Williams &amp;amp;amp;amp; Labin. I know I'll never be drinking and driving again, but I feel really lucky that I was able to come out with the outcome I did and I know it took a really good lawyer like Howard to get me the deal I got. I would definitely recommend this firm, to anyone in my boat or with a criminal case on their hands!
I found U Salon by searching the Internet when I moved to this area. It is supposed to be a more affordable version of the upscale Umberto Salon in Beverly Hills. I get that "affordable" in L.A. is definitely a switch from what that meant in the SF Valley where I used to live! My only gripe is that if you get a 2-process color job, they charge you double! Ouch! So a cut & style is around $40-60 depending on how long or short your hair is. And 1-color is $50-60 depending on length also. So for my long hair, it ends up being $60 for the cut & style, + $120 for 2 colors = $180. For the same, I used to pay $80 less in the Valley. But then, I was living in the Valley, and that's no bargain! :D BUT the salon is very spacious & airy and relaxed, the staff is friendly, and I am stuck on Helen like glue! She used to do hair in London at a high-end salon that catered to the Royals and local celebrities. I got her when I asked for a long-hair specialist, and sure enough, my hair looked even LONGER after she colored it, cut it, and styled it! And I look even better than ever!!!! So, the little extra is totally worth it, and it is WAY less than the $300 and up you could end up paying in Beverly Hills. I also love the nail salon - I did not think I could get a pedicure for $14 in a salon w/Umberto's name on it. And they do a very good job. I especially love Quincy's pink & white acrylics - I could stare at them forever! & the girls are very nice. I never get the feeling anyone is talking snarky about me behind my back in another language :). For another $15, which is no more than at any other carwash nearby, you can have your car washed while you get all dolled up. Great find!
I recommend Fox And Fox in full spectrum and on all levels of service. 10 years ago, I hired Fox And Fox for my divorce. It was an ugly divorce which lasted 4 years. My former wife's and her attorney's goal was to deplete my assets by relentlessly litigating everything. She even tried to gain sole custody of our daughter and concurrently obtain a kick-out order against me from my house. The divorce battle was damaging to my health and I simply was drained monetarily and emotionally. After going through 5 attorneys, I was referred to Fox And Fox. Frank and Claire saved me from misery; they, who work amazingly together, changed the litigation game; I won back my child and was awarded primary custody of my daughter; I was able to kick-out my former spouse from my house - this was a new release on my life; and spousal support was reduced because Frank and Claire Fox uncovered her true earnings which she concealed during our marital action. 3 years ago, I hired them, again, after my parents passed away and I was the designated trustee of their Trust; the beneficiaries challenged me by jointly filing a petition to remove me and requested that I be surcharged. They made false claims that I had mismanaged trust funds; I had manipulated my parents and unduly influenced them to modify their Trust; I had commingled funds and stole them. I was shattered by the beneficiaries' claims. The beneficiaries attempted to set aside the Trust. Claire and Frank Fox, again, changed the litigation game, and aggressively defended me. It was a mess and they provided the defense I needed. Thanks to Fox And Fox, I am still the trustee
I was referred to the Habashy Law Firm by my uncle who is a very hard person to please. He went on and on about how great of a lawyer Mr Habashy is. His office is in Los angeles and i live in Orange County so initially i was looking for someone local. But let me tell you, i couldn't be happier with my decision to retain the Habashy Law firm. There are so many great things to say about the Habashy Law Firm and Mr. John Habashy. He's an attorney with heart and principle. He will not take your case or your money if he doesn't think he can help you. His honesty is unmatched knowledge of the law and his ability to "think outside the box" along with his experience makes him the best at what he does.There are so many great things to say about the Habashy Law Firm and John Habashy. He is VERY hard working, determined, intelligent, clever, confident, and honest. Mr Habashy and his whole staff gave me their undivided attention whenever I had a question or any concern and was sympathetic to me, but don't let that sincerity fool you... They were very aggressive in court and defended me to the fullest against the opposing counsel and their tricks. He took my case and won, when I did not think I even had a case to begin with. John settled my case and provided me with a better life financially. There are no words that I can express that would justify the amazing work that John and his amazing legal team did for me, and I will be forever grateful to them for giving me justice and a better quality of life.
I was referred to you after my automobile accident. That was the darkest time in my life. I was lost after the accident and a friend suggested that I talk to you. You and your staff were very supportive and knowledgeable. I have been a Registered Nurse for over 40 years but I did not know who to go to for help. Most doctors do not know how to treat patients' involved in an accident. You walked me through the first steps to healing and referred me to medical professionals who could meet my needs. Your referral of Dr. JOhnson was wonderful. As a healthcare professional, I believe I have a unique perspective on medical care. I felt I was given a first class work-up and physical therapy geared toward my pain and strength issues. His staff provided education and training on exercises geared toward pain relief and return to pre-accident strength. This allowed me to return to work. I was treated with dignity and compassion. You did much more than provide me with excellent medical referrals. You protected me from the assaults of the defendant's insurance company. It was quite an experience to see how the insurance company attacks the victim. I don't know what I would have done without you on my side. You anticipated their moves and I felt insulated from their machinations. I am awed by the settlement amount you negotiated for me. I wish everyone could have the benefit of you as his or her advocate. I pray for you and your family daily.
Adrimar, is the one stop place for your hair needs! If you are looking for the perfect cut, style, color, or even extensions they have it all here! I have been going to Adriana for 8 years for my hair and I must say she is the best in LA! She has taken my hair through all of my walks of life, as it changes all the time our hair does and a good stylist knows what to do. And I must say i can thank Adriana for all she has done for me on that department as it has burst my confidence. I have had hair extensions now for a year because I had suffered a blood disorder with is known as Anemic, it had caused my hair to go from being extremly bouncy and long and pefect to very thin and not so perfect so with the extensions it helps me in the areas that I lack now for that luster hair! I hope one day that i can build up my body to not have to suffer from this disorder and hopefully get my hair back, but for now the extensions have been great! I love them as noone can tell I have them unless I tell them, Sometimes people are like I love your hair, I say really, well thank my stylist cause their hair extensions they say no way, those are really done good, i must say she is awesome! So look no further then Adrimar one stop place for all you hair needs! Its a family run business, with her sister at her side and her best friend which are all stylsits you can not go wrong!
I am mixed with black and white and it is extreamly hard to find a salon that can handel my hair. I die my hair often and I could never find a place that could do my hair the way I wanted. You know how you go to a place to get your hair done and your not satified so you leave with a fake smile. Well that was me A LOT. I have been to Beverly Hills, Beverly Center, Westwood, Long Beach and all over Los Angeles not one place I went to did my hair right until I went to Le Von's. My hair is Naturally blace and I get it died Blonde or light brown with highlights. One place in Westwood I brough a picture of Nicole Richie and asked that they do my hair EXACTLY like hers. They said ok 1/2 way thorugh it didnt look right so I asked her what she was doing she said she is doing it Like her hair but not exaclty. I was ANGRY. At the Beverly Center they asked that I sign a form just incase my hair fell out. OMG So when I went to Le Von's I asked the man if they have color specialist, I showed them a sample. They did it perfectly. As long as they exist I will go to Le Von's, and Le Von's only. I would recomend this place to Britney Spears and Paris Hilton. Because who ever is doing their hair has nothing on the guy who did my hair. Like I said I LOVE LOVE LOVE Le Von's and I will be back! Keep up the good work
I was exploring the option of filing a bankruptcy and needed help when I found Greg Sletteland's website at www.bk411.com . From the first time we spoke on the phone, I felt like he was the person who could help me through this difficult process. I probably did things a little backwards but I actuallyI made an appointment with him before checking the web for some reviews and finding the yp.com. It obviously confirmed that I had possibly found the right lawyer to help me with the process. I met with Greg at his Wilshire Blvd. office and was immediately impressed with how friendly he was. When we started going through my financial data, Greg demonstrated a kindness and compassion that I have rarely experienced in dealing with anyone from the legal profession. He was so knowledgable about the process and helped me so much by completing the evaluation form. He never made me feel rushed or like I was "just another case to be filed." I'm telling you honestly, I don't take the time to write reviews like this unless I feel strongly about something. If you're looking for someone you can trust to help you file for bankruptcy, I sincerely encourage you to contact Greg Sletteland's office and make an appointment. It was the most valuable time I'd ever spent with any attorney and I'm sure it will be for you, too.
This message has been authorized and approved by Attorney Richard E. Garcia, Esq. I have been an attorney for over 42 years and during that timeframe, I have never been cited or reprimanded by the California State Bar. I recently represented a client by the name of Mirna Perez in a dissolution proceedings. In January 2010, I secured monetary orders as well as restraining orders against the husband, Eddy J. Perez. This case was heard in front of Judge Rudolph Diaz in Department 83 of the Central district. The case number is BD516513 and you can go online and view the history of this case. I subsequently cited the Respondent, Eddy J. Perez for contempt of court. Judge Diaz arraigned the citee, Eddy J. Perez and informed him that he was facing 171 days in jail. The client in an attempt to reconcile with her husband commenced representing herself. The contempt hearing scheduled for August 4, 2010 went off calendar. Now, Eddy J. Perez is defaming me by posting notices on the internet that I am not concerned regarding the welfare of my clients that I overcharge for services, etc. Everything negative that appears on the internet is not true. I have always represented a client competently and with compassion. THE ABOVE MESSAGE WAS AUTHORIZED BY RICHARD E. GARCIA, ESQ.
I knew I had found 'the person' to represent me in bankruptcy from our first discussion on the phone. When you are going through the emotional ramifications of bankruptcy, Greg Sletteland's kindness as well as his extremely knowledgable skill regarding the subject is crucial. Considering what another attorney quoted, I found Greg's rate to be more than reasonable. Most everything we discussed privately was instantly typed into a computer for electronic capture, saving us a lot of back and forth time. I had a lot of questions and every question of mine was answered thoughtfully, immediately. His calm demeanor is assuring and professional. He is non-judgemental, which meant a lot to me during examination of my financials. This process requires such an attitude. Later, after our 'first meeting' I was sure I had made a wise decision hiring Greg. It was at the meeting of creditors though, where I witnessed his brilliance in action... as the Trustee, also impressed, commented on Mr. Sletteland's 'excellent paperwork'. I am also sure it doesn't hurt that he looks like 'a million bucks' dressed in power suit success. Not your typical 'shlocky' lawyer look here. You have nothing to lose and everything to gain by giving Greg Sletteland a call if you are facing bankruptcy.
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.