Tag Archives: coverage

Car Insurance Terminology

October 25, 2013 by

Insurance can be confusing. If it isn’t something that we deal with on a regular basis, the terminology can leave us even more befuddled. The following are terms that are used in “insurance talk” and what they mean to you.

Collision Coverage – This will cover your vehicle for physical damage caused by a collision with another vehicle or object.

Comprehensive Coverage – This is for non-collision-related damage that results from a covered loss such as theft, vandalism, hitting an animal, or falling objects like tree branches or hail.

Liability Coverage – This covers damage that your vehicle does to others and their property. If a person has liability-only coverage, their vehicle is not covered for a collision or comprehensive claim.

Premium – The amount you pay for your insurance coverage. This can be paid yearly, quarterly, or monthly depending upon your insurance company and the plan you select.

Deductible – The portion you are responsible for on a covered loss, as opposed to the portion the insurance company is paying. This is something that you select when you are choosing your insurance. Common deductibles range between $250-1000. This is paid to the shop when repairs are completed.

Betterment – This is an improvement to the value of what was originally on the vehicle. This happens most of the time with tires and batteries. If a tire or battery needs to be replaced, there can be a betterment charged to the owners, which is usually a percentage of the cost.

Rental Car Coverage – This will provide rental coverage for a specific amount of days while your vehicle is being repaired. This is an additional item to add to your insurance coverage for a minimal amount of money that, when needed, is really beneficial.

It is important to understand what type of insurance you have and what it covers. This is an abbreviated list of what I would consider the most important terms when there is a property damage loss. If you are unsure what your coverage is, ask your insurance agent to go over what types of coverage you have.

BB and CC Creams

September 24, 2013 by
Photography by Bill Sitzmann

You may have seen the commercials with actress Kate Hudson and other makeup-brand personalities talking about their revolutionary BB and CC creams. You might also have thought, “I have no idea what those words mean.”

That’s because BB and CC creams are fairly new to Americans—or at least to most Americans in the Midwest.

The original version of what is now BB Cream was created in the 1960s by German dermatologist Dr. Christine Schrammek to protect and heal the skin of her patients. Eventually, the cream found its way into Korea and Japan in the 1980s and was advanced. In fact, BB cream became the well-kept beauty secret of many Asian celebrities. Now, however, these creams are a huge hit in practically every beauty market across the world, including our own.

Still, most people don’t exactly know what the creams are (or, more importantly, what they do). Fortunately, Joel Schlessinger, M.D., FAAD, FAACS, of LovelySkin in Omaha has the answers.

First of all, BB Cream stands for “beauty balm,” and CC Cream stands for “color corrective.” Again, these words might mean little if you don’t know what balms and color correctors do.

According to Dr. Schlessinger, BB is a multitasking cream that serves as a moisturizer, primer, foundation, and even sunscreen. CC also functions in several ways, providing the same benefits as BB but with an added bonus: color correction. For women with uneven skin tone, acne, or redness, CC seems to be the better option.

“CC creams can be very beneficial for acne-prone or oily complexions due to their lighter formulation and full coverage,” Dr. Schlessinger adds. “Investing in a good CC cream can shorten your daily routine, enhance your skin’s appearance, and prevent premature aging.”

So what’s the main difference between the two creams? “Coverage and weight,” says Dr. Schlessinger. “CC creams tend to be lighter with better coverage while BB creams are heavier and typically don’t offer full concealing benefits.”

Of course, both save you money and time. For example, one CC cream can replace foundation, moisturizing cream, facial primer, sunscreen, and concealer. Let’s face it—anything that shortens a daily beauty routine and lessens makeup expense is greatly appreciated.

Wondering where you can get BB and CC creams? Pharmacies, grocery stores, makeup outlets, skin care retailers, online shopping—they’re everywhere. Budget-friendly brands like Almay, Clinique, Garnier, and L’Oreal have begun releasing their own versions. Makeup store Sephora carries several professional makeup brands. And, of course, Dr. Schlessinger’s LovelySkin sells brands like Supergoop!, jane iredale, Stila, Dr. Brandt, Dr. Dennis Gross, and B. Kamins.

LovelySkin is located near Oak View Mall at 2929 Oak View Drive. For more information about these products, visit lovelyskin.com.