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…
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I had a few issues with teeth, root canal through a crown (they saved the existing crown) a new crown on a tooth that broke, replaced old silver am…
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
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I deal with clients' and opponents' insurance companies all the time for USAA (which is a best practices insurer that consistently leads the segment in customer satisfaction) but I have Countrywide Auto and I'm quite happy. Therefore I'm not sure I agree with any of the reviewers here. The difference between a company like GEICO, USAA, ESurance and Countrywide is you get Countrywide from your broker. Basically, I tell me broker what is going on in my life, and she sets up the right kinds of coverages that save me the most money overall. That's the key here ... ESurance will just give you a basic auto policy and you better hope it covers your needs or it doesn't provide overlapping coverage against another policy you have. That's point 1: countrywide is a broker-based product, so your broker should be responsible to ensure that it fits your life. Point 2. your broker is responsible for servicigng your policy. I get it if you arent insured with countrywide and you need a response, but the rest of you should know that thats what your broker is paid to do. Point 3. Rates: Wow, $1170 with 1 not-at- fault accident less than 5 years ago and 2 tickets for tint that I fought and won in court. I live in NYCity. Everyone else looked at my record and placed me in a high risk category AFTER quoting me a very low intial rate; my broker explained my circumstanes and they listened enough to get me an extremely competetive rate. I have never had to call to make a claim against a Countrywide Auto insured but I did call the company to discuss my bills from time to time and while I was sent to my broker once, all other times the hold time to speak with someone was less than 5 minutes. Maybe their Claims handling is worse ... I can't tell whether the posters below are all 1 person masquerading, or what ... but I can say from working in USAA that, in ANY NY auto insurance carriers defense, it is impossible to be profitable int his business, and so people, you must understand that LOW LIOMITS policies will not afford you any red carpet treatment. Don't expect them get on the phone with u and try to send u a fruit basket each time you make a claim because guess what, u bought yourself a low limit policy where every other policyholder is a scammer. TRUST ME, I KNOW. its like buying a greyhound bus ticket and being upset that there wasnt a first class attendant but instead being treated like a child. come on! BUT i will say that its not like countrywides going to screw around with you. at the end of the day, you'll get paid. like someone else said here, insurance .. especially auto in ny .....is the most highly regulated fianncial industry. that's a fact, so quit your conspiracy theories. aBck to my review, as for the homeowners and other products that I have, some of which are also through Country-wide (not Countrywide Auto), they are just fine. I just pay in every month, and everything seems competitive. Therefore overall, I can fairly say that based on my experience so far, I am satisfied. I know this sounds like a shill so I will say that whether you get countrywide auto is up to you. This is really more of a distrabe because i am fed up with the misconceptions and expectations about auto insurers. Did you know that the Progressive vans are not really customer service vans like they claim but really out there to get you to settle immediately? People are so brainwashed and think that your auto insurance company will walk your dog. At the end of the day, it's a legit insurance company plain and simple; it's low limits insurance that fits my life; it's broker based insurance and i like my broker; and its part of a package that covers my car, my home, my life, my kids, the little business i have, and it all comes at a great price. Good luck.
There isn’t much more to say about the “Dr. Wei experience” that hasn’t been said already. Dr. Wei and staff exceed all the standard requirements of what you want in a dental office and then some. Of course you get a friendly and courteous staff, accurate scheduling, (I never wait), clean office, state of the art technology (the needle vibrates to mitigate pain, watch a movie during dental procedures) and very reasonable pricing for the high quality of work. But what makes Dr. Wei a great dentist, in addition to his precise craftsmanship and desire for perfection, is he is a great person. His demeanor and warm personality which can only come naturally, literally takes away the entire anxiety of a dentist visit. You don’t feel like you are visiting a dentist, you are visiting a friend that does dental work. Additionally, despite his often full schedule, his attentiveness always makes me feel like I am his first and only patient on every visit. Examples: Knowing I needed extensive work and that I travel 30+ miles from work for each visit (worth the trip), he immediately calendared me in for multiple future visits and precisely calculated the procedures he’d perform each visit so to minimize my visits. Of course, each visit went according to plan. He knew I had a wedding to attend thus needed my cracked veneer replaced (cracked veneer was from a FORMER dentist), concerned that the veneer would not be shipped to his office in time, Dr. Wei went out of his way on his day off to pick up the veneer from the lab so that I would have it in time for the wedding! I am quite confident that none of my previous dentists would have even considered doing that. Lastly, the customer service provided by the staff is First Class. As of the very first visit, they said that I would receive reimbursement from my dental insurance within 2 weeks and though I forgot about them (I am skeptic with insurance companies), it was a pleasant surprise the checks arrived! The team is also very diligent with following up the very next day on any procedures performed to ensure I am comfortable. They never miss a beat. As such, my search for a dedicated, punctual, reliable, flexible, honest, knowledgeable, caring, pride in their work, quality, dentist has ended at Dr. Wei and team. Like others, I highly recommend Dr. Wei. If you are skeptical, just chat with him for yourself.
First let me start by saying i am a very honest reviewer and live my life by reviews for everything i do so this is my honest opinion.Dr Wei and his staff are so amazing!! I went to several dentists to make my decision about who is going to do my Veneer procedure, as I was SO embarrassed of my smile for years! For me this was a big decision since it can get very costly depending on your needs. After seeing around 8 different dentists i decided to go with Dr. Wei I did as much research as i could on him and found with his credentials and the way he presented himself at my consolation won me over. Dr. Wei has a trusting caring way about him that made me so at ease from my first consultation up to the last day of my veneer procedure he offers different financial options that can help you pay for treatment and he ALWAYS works with your schedule. Dr. Wei is so gentle and makes you feel so calm you wish you would have found him years ago as that is how I feel. Also Amanda his assistant is so wonderful with your needs. If i had any needs or concerns they would fit me in the same day with no problem just to make me feel happy and satisfied. My new veneers look so beautiful and natural it will really amaze you to see the before and after. I am no longer embarrassed to smile as i was or covering my mouth when I talk I am so much more confident and I can really cry when i think of what Dr. Wei corrected that i was most self conscious about. I will continue to see Dr. Wei even if my dental insurance wont cover anything ! That is how amazing he is. If you are having any hesitations with who you should go see please go at least for a consultation with him, you will not be disappointed and i know you will LOVE him! And he did veneers , cavities, cleaning and much much more with the time frame i gave him and finished before my BIRTHDAY as i asked even with his busy schedule!!! He honestly made me so happy. I cant thank him enough. Thanks Dr. Wei & staff!
I agree with what posters have said on other sites. I too went to Morningside while a student at Columbia. It took four months to get an appointment, and it seems that was only possible because of a last minute cancellation and my willingness to go on Dec 26th. The staff was gruff. The cleaning stations are separated by only curtains, so you can hear what other people are having done to them -- squealing of drills and tools, moaning, etc. The Hygenist scolded me to the point of yelling at me. Her stories made me feel so nauseous that other members of the staff had me remain at the clinic for an extra 20 minutes in the waiting room to make sure I didn't pass out while walking out. I think the dentist/surgeon 'examined' me and spoke with me for only about 2.5 minutes - including the time it took him to introduce himself and tell me about the mission of Morningside Dental. The administrative staff (on the phone) were gruff to the point of being rude. They make you feel like they are doing you a favor just by doing their jobs -- and being mediocre at them. After more than five failed attempts at getting through on the appointment line (it is ALWAYS busy), I finally had to walk in to the clinic in person in order to get my appointment. I've since never been able to get through on the first try. I went because I needed extractions. Suffice to say, they price they wanted was so high that two years later I still haven't the necessary teeth pulled. In general, the entire process made me feel like a chocolate on an I Love Lucy assembly line. Or, perhaps more accurately, like someone in a scene from the dental school in that book, "Day in the Life of the U.S.S.R." I would never go back to Morningside unless I had no alternative.
Having moved from London UK, I had many bad experiences in the past with negligent dentists. As a result I went to Dr Marks with several procedures requiring attention: 3 dental implants with crowns, 4 porcelain crowns, 3 veneers, and 3 or 4 root canal treatments. I also had my teeth whitened and regularly cleaned. It has been around a year and a half since we began undertaking all of these treatments and I can tell you that I am absolutely delighted with the service I have received from Dr Marks and his associates. They were always flexible with my appointments, but what was the most important thing for me is that all the work has been completed to a very high standard in a friendly environment. Every procedure has been explained to me in full, sometimes even with diagrams, the positives and the negatives explained, and any fees have always been explained to me BEFORE doing any treatment, they also accepted my dental insurance (Cigna) with pleasure. Dr Marks has a fun manner and friendly manner in the way he approaches his work and this is very welcome for me. The implant work is flawless, the crowns are flawless, zero complications. Dr Marks even fitted me with 3 veneers and color matched them to my natural teeth perfectly, no one can tell the difference. He could have easily recommended that I veneer the whole front but he was honest and always has been. He gave me the treatment that was necessary. Is it cheap, no of course not, but quality never is! For the first time in many years I have a flawless mouth, flawless smile, no headaches, no worries, and I can not recommend Dr Marks highly enough. Yes this is a real review, and if you contact me you are welcome to come and look at my smile as well.. Adam El-Hout
I never write reviews for people; not only that I do not have the time, but also I never had any strong urge to share the experience to anybody else. I have bad teeth genetic. I have been to many different dentists, and I have done all kinds of dental work ever since I was four year old; however my experience haven't been pleasant and the works were done poorly. I started to avoid going to dentist, until I finally had no choice and started to do some research about New York City top rated dentist. Exactly one year ago I met Dr. Wei, first impression he was extremely nice, warm and caring, especially with someone extremely nervous like me. He took an X-ray of my teeth, and examined with me together. He explained everything in detail, works that need to be done, and works that suggested to be done. I was overwhelmed by the complications that I have. He told me that we can start with something small first, such as cavities, and when I feel more comfortable he could go further from there. I love how he is never been pushy and hard on his patient, you can work everything out with him, financially and time wise. I started to built trust with him immediately, from the works he had done. Dental works are never pleasant, but I felt comfortable with Dr. Wei. It's been a wonderful year, and I have finally decided to the smile makeover. My mom with impressed with how perfect the temps look already, and I have dreamed for this beautiful smile ever since a little kid. I can't thank Dr. Wei enough, for everything that he's done for me. I'm writing this from the bottom of my heart, and I promise that you will never regret visiting him!
The Best Manhattan Cosmetic Dentist in New York City! Having not been to the dentist in over 10 years, I knew I was in need of some serious dental work. I knew I needed a great cosmetic dentist and was referred to Dr. Wei by my friend. I just want to say that Dr. Wei is truly an amazing dentist who ensures that the work he does is the best that it can possibly be. He is professional and his equipment is up to date. He is meticulous and perfectionist on his work thus I knew that I was in greatest hands! Thanks to his skill and expertise, I now know that the health of my teeth. Dr.Wei genuinely cares about his patients, you will feel that in the way he treats you. His bedside manner is fantastic and his staff are excellent. I am so glad that I found him. I wouldn’t go anywhere else and I highly recommend him! Dr. Wei is someone you can trust which is hard to find in New York City. The happiness of his patients is his number one priority. He provides excellent dental care with a state of the art office and a staff which is always extremely professional and courteous. Dr. Wei discovered several deep cavities underneath the old porcelain crowns of my front teeth because the crowns started to move away from the gums due to poor installation and bad work from previous dentist. However, Dr. Wei performed a miracle! He gave me a new beautiful white smile and healthier teeth. I love my new smile. Thank you very much, Dr. Wei. I give Dr. Wei a 5-star rating across the board and shall continue to recommend him highly!
Bringing Intelligent Risk-Taking to a Higher Level The insurance industry has developed and adapted through the years by addressing specialized needs of individuals and companies within the volatile and ever-changing economic and political realities of the global community in the past century or so. Within this context of a dynamic business environment, companies, such as AXIS Insurance Group review in Jakarta which operates in Asia and over 150 countries worldwide, have produced efficient innovations in bringing intelligent risk-taking to a higher level to benefits many clients. AXIS Capital Group is a pioneering diversified global reinsurer which provides risk-transfer products, primarily in the form of reinsurance contracts, delivering significant capacity and unequalled financial strength. Its creative specialty solutions for clients include treaty and facultative property and casualty reinsurance to insurance firms in the international stage, consisting of the following products and services: • Catastrophe • Property • Professional lines • Credit and surety • Motor • General liability • Engineering • Marine • Workers' compensation • Agriculture
My experience after YEARS as this man's patient is that Dr. Chang is actually a very fine dentist, but be prepared for a Jekyll/Hyde situation. The good doctor seems to have some kind of weirdo control/OCD issue. He seems downright irate a lot of the time (no, it's not my imagination), and it's a shame because he's basically not a bad guy. He just seems to lose perspective a lot. All in all though, I don't need to feel judged and talked down to BY MY DENTIST, for cryin' out loud. I'm really not very sensitive, am educated and quite normal, I'm not dumb, I have a sense of humor----this guy still is way too moody and sometimes downright nasty to deal with. The girls who work there seem like they're terrorized, but remain very professional. Again, the guy is more than competent. I just think if you're a doctor and you're having a bad day, your patients are not where you should get snappy, rude and condescending. Don't ask this guy any questions about YOUR OWN TEETH on a bad day...unless you feel like being chastised as if you're a naughty Catholic schoolboy. YIKES. I'd rather have a less brilliant, but competent dentist with a decent attitude.
Well, if anyone hates taking the chair, it’s me! Actually, I’ve been through the mill with many other dentists. So I remember my first appointment, WOW, the office staff was so friendly and the office so beautiful and oh so clean! I am on disability and I never thought I would have money to pay for all the intensive dental care. I sat with one of the financial consultants and she got me a ‘Care Credit’ advance with a fixed term. I literally cried. Then I met my new dentist, Dr. Choi. I loved her from the minute we shook hands. The top teeth were first – and I believed she could and would give me the smile I always wanted. I knew I could get through it. I suffer from anxiety and Dr. Choi and I told jokes. As each treatment took place – everything was explained fully. I even called Dr. Choi on her vacation and she called me back. After all, they say you have to be pretty – but it is all worth it to have a beautiful smile. I love Dr. Choi and I recommend her and Preferred Dental Care very highly.
There has perhaps never been a better tool for do-it-yourself home handymen than the internet. With detailed instructions and videos explaining how to perform a number of common maintenance and renovation tasks around a house, an untrained homeowner might be surprised at how much he or she can accomplish with a quick search online. But even with all of this information, there are still many jobs that lie far outside the scope of most DIY enthusiasts. General contractors are there to fill in this gap.
A general contractor specializes in seeing a home remodel or repair project through from start to finish. To do this, the contractor works with the client - whether they are a homeowner or business - to nail down the scope of the work. Then he or she will turn to one or more subcontractors for specific tasks, like equipment operation, design, electrical work or whatever else is needed.
In essence, general contractors could be thought of as middlemen between a homeowner or business owner and any number of specialists. To get their money's worth, many assume they should just "cut out the middleman" and hire specialists directly, but this often proves more difficult in practice. General contractors won't be completing an entire project by themselves, but should have a long list of dependable experts who can work together and accomplish any task. They might also serve as the manager on the site of a construction project, overseeing workers and providing guidance and assistance when needed. For larger projects, though, the contractor might only handle administrative matters and employ a foreman or other professional for on-site supervision.
There are many general contractors who also specialize in certain tasks themselves. There is usually at least one general contractor on hand to organize the construction of an entire home, for example. But general contractors could also help a homeowner add an additional bedroom, build an in-ground pool or complete a major landscaping project. They could also work with a business to add or improve office space, whether that means making more room or converting a commercial building from a nail salon to a restaurant. Basically, if it's a job that involves building or repairing, a general contractor probably knows how to get it done.
No matter what the exact job may be, a contractor will probably need to accomplish several other essential tasks in pursuit of the ultimate goal, which may include:
Every general contractor performing any kind of work on a project must be licensed to do so in their state. The guidelines for the specifics on licensing vary from state to state. Some states might only require registration of contractors, which is different from licensing. Registration typically means that there must be a written record of what work is being performed and by whom, but it does not guarantee professional knowledge. Licensing, on the other hand, involves an examination process to assess professional competence.
Whether your state requires licensing or registration of contractors, there should be a record of most professionals willing to complete certain projects in your area. Check your state or county website for more information. In states that require licensing, every licensed contractor's contact information is available online or from another public source.
Not every project needs to be completed by a licensed or registered contractor. If it's just a minor job that won't take more than a day or two, and will cost less than a few hundred dollars, it's likely not necessary to find a licensed or registered contractor. However, anything bigger or more expensive, or a project involving plumbing or electrical work, needs to be completed by a licensed or registered professional.
General contractors also must be covered by an insurance policy. This should include liability coverage for any property damage that could be inflicted in the course of a job. It should also include a worker's compensation policy in case anyone is injured on the job. Before hiring a contractor for anything, ask for written proof of this insurance to see exactly what is covered.
A number of trade associations for contractors in the U.S. exist. Some of the biggest include:
Most trade associations for general contractors will provide references for anyone looking to hire a contractor for a specific project. They may also provide a number of benefits for their members, including assistance with licensing, training, insurance and business development.
No matter what you need accomplished, you want to choose a contractor who can get the job done right at a reasonable price. Obviously, this is easier said than done, but there are a few steps you can take to ensure you find a trustworthy general contractor.
The first, and perhaps most reliable, way to find a general contractor is to ask friends and family members for a recommendation. If you know anyone who has had major work done on their home, particularly if it's a similar job, ask them who they hired and if they were pleased with the result. You could also ask neighbors about who they've hired if you notice work being done on their house. Many remodeling contractors post signs in front of homes to advertise their services. As a general rule, it's rarely a good idea to hire a contractor who solicits work by going door to door.
If you are considering hiring a contractor without a personal recommendation, ask the contractor for references from past clients, and do as much background research on them as possible. Look for any complaints (or compliments) online to get a better idea of their track record. There are a number of websites specializing in connecting contractors with people or businesses who need work done. These sites may also allow past clients to submit their own reviews of the contractor.
Before hiring a contractor, make sure you are both in agreement on the project's budget. It's normal for most contractors to charge clients a premium not only for the labor expenses and zoning expertise, but for acquiring the materials as well. Be as clear and concise as possible regarding what you'll be purchasing yourself and what you will be paying the contractor to complete. Homeowners may be able to find a better deal on raw materials when they purchase these directly, but they first need to be sure they aren't buying the wrong things.
Don't forget to discuss how the project will be finalized and what will be done about cleanup. Plans for how the work site will be cleaned at the end of each day as well as at the conclusion of work need to be put in writing. An experienced general contractor should make every effort to keep the workspace clean and prevent dirtying or damaging any other area. Even so, talk with the contractor about the daily schedule, the logistics of transporting workers and equipment, and how cleanup will be handled.
As previously mentioned, you need to make sure to follow any state and local regulations regarding construction work, which includes hiring a licensed or registered general contractor. Ask the contractor for proof of their certification before signing anything, as well as their proof of insurance. You should also check your homeowners insurance policy to see if they offer coverage for contracted work. You may want to call your insurance provider and ask for more details on what your plan will and won't cover.
Perhaps the best way to feel safe about a contractor and the work being done is to hire a contractor you trust. This is why relying on personal references from friends and family is so important, and will often provide a great deal of peace of mind. If you aren't able to obtain a reference, work to conduct extensive research on the contractor as well as the work you are hiring them to perform. This should bring everyone's expectations into alignment and result in a safe work environment.
Before any money changes hands, there should be a contract to sign. Make sure the specifics of the work to be done and all costs are listed in the contract, right down to the most precise details. If you forget to have something included in the contract after signing it, there's rarely a chance of recourse.
Once the specifics of the job are nailed down, be sure to discuss the payment schedule with the contractor. This is important because paying too much up front offers the homeowner minimal leverage if the quality of work does not meet expectations or contractual specifications. Try to establish a reasonable pay schedule with the contractor, such as paying 10 percent of the total cost for each 10 percent of the work that is completed. It's a good idea to include this payment plan in the contract as well.
Finally, look into getting a lien release signed before work begins. If there is ever a dispute regarding payment over the course of the project, a contractor or subcontractor could place a payment claim, or lien, on your property. This can trigger a long legal process that may be frustrating. To avoid this, ask the contractor to sign a lien release, which is a legal agreement that states that any payment accepted is final. This can come in handy if a contractor has his or her own payment issues with their subcontractors. Signing a lien release form certifies that any payment made by a client to the contractor is enough to pay for any goods or services rendered. A lien dispute could also be prevented by performing due diligence prior to picking a contractor, as any contractor with good credit and a long track record of satisfied clients should have no trouble paying for materials and labor once all contract conditions have been met.
Once work is underway, it's never a bad idea to check up on the progress of the job, either by staying in touch with the contractor over the phone or visiting the site in person. If you work with a trustworthy professional, it's probably best to keep your distance and allow everyone to stay busy. If you want to keep an eye on things, make sure workers wear the right safety gear and that everything looks to be moving along according to schedule. Finally, once work is finished and you are satisfied, be sure to thank your contractor and tell friends or family members about your experience.