Servicing DC, MD & VA

Personal Umbrella Liability Policy

November 4th, 2015 | Comments Off on Personal Umbrella Liability Policy | Posted in Hedda's Hints

Personal Umbrella Liability Policy



It’s easy to assume a relationship between wealth and lawsuits. Unfortunately, that assumption is a common error made by most people. Anyone can be sued, regardless of income level, for just about any reason. Lawsuits can result in settlements amounting to six and seven figures.

If you’re not covered by an Umbrella policy, you are risking everything – your car, your home, the lifestyle to which you and your family are accustomed, even your future income.



Typical auto and homeowners insurance liability limits are not adequate to cover the large court judgments being awarded these days. In addition, even though your basic policies normally cover defense costs, once the policy limits have been paid, the insurance company may no longer have an obligation to pay for the rest of your defense. So, if you’re involved in a large lawsuit, not only might the amount of your insurance be inadequate to pay the entire judgment, but you could be responsible for the cost of your own defense.



There are also some types of losses that the normal auto and homeowners policies are not intended to cover. An Umbrella policy picks up these gaps in your insurance policies. Best of all, this vital insurance protection is relatively inexpensive.



This type of policy provides an “umbrella” of protection over your other personal liability policies. If you’re involved in a lawsuit while covered by an Umbrella policy, you can enjoy the security of an additional one to five million dollars of liability protection. If you’re interested in learning more about an Umbrella policy, contact your independent agent.

Remember to Get a Flu Shot

November 4th, 2015 | Comments Off on Remember to Get a Flu Shot | Posted in Live Well, Work Well

shutterstock_273450770Each year, thousands of people get sick, and some even die, because of the flu. People 65 years and older face the highest risk, but even generally healthy people can become very sick from the flu. That’s why getting an annual flu vaccination is so important—it can greatly reduce your chances of getting sick and prevent you from spreading the flu to your family, friends and co-workers.

Flu season started in October and runs all the way through May, so the earlier you get vaccinated, the sooner you’ll be protected. And remember, it can take up to two weeks after the vaccination for the antibodies that protect you to develop in your system, so the longer you wait, the longer you’re at risk.

You can get vaccinated by your doctor, but many health care centers and pharmacies also offer the flu vaccine. Don’t wait; make sure you get your flu vaccine as soon as possible!

View more Live Well, Work Well tips here.

Seasonal Flu Vaccine Myths

November 4th, 2015 | Comments Off on Seasonal Flu Vaccine Myths | Posted in Family Health & Safety

sickThe Centers for Disease Control and Prevention (CDC) recommends anyone over the age of 6 months get a flu shot each year. Unfortunately, many people don’t because they believe one or more of the following myths.

Myth: The flu isn’t so bad.

Fact: The flu can lead to serious illness, including pneumonia, even for otherwise healthy people. Plus, a normal bout of the flu can keep a person out of work or school for several days.

Myth: The flu vaccine will make you sick.

Fact: The flu vaccine cannot give you the flu, although you may get side effects like a sore arm, low fever or achiness. Side effects are generally mild and short-lived.

Myth: Healthy people don’t need a vaccine.

Fact: Anyone can become sick with the flu and experience complications, even people who are active and healthy. Plus, if you get the flu, you may endanger those around you who are at a higher risk for complications.


The Centers for Disease Control and Prevention (CDC) recommends anyone over the age of 6 months get a flu shot each year.

Myth: You can still get the flu after getting the vaccine.

Fact: This one is partially true for the following reasons:

  • You may have been exposed to a non-flu virus, such as the common cold.
  • You may have been exposed to the flu after you got vaccinated but before the vaccine took effect, which takes about two weeks after vaccination.
  • You may have been exposed to a flu virus that was different from the viruses included in the current year’s vaccine. The standard flu vaccine protects against the three influenza viruses expected to be most prevalent, but other flu viruses circulate as well.

Myth: It’s too late to get protection from a flu vaccine.

Fact: As long as the flu season isn’t over, it’s not too late to get vaccinated. Flu seasons can begin early in fall and last until spring, so getting a vaccine can still be beneficial into the spring months.

Myth: You only need to get vaccinated if family and friends get sick from the flu.

Fact: If you wait until people around you get sick, it is often too late to protect yourself, because it takes about two weeks for the vaccine to kick in.

Myth: The discomfort of getting a shot isn’t worth it.

Fact: The very minor pain of a flu shot is nothing compared to the flu. Plus, many people can get the nasal-spray vaccine instead of getting a shot. Talk to your doctor about which is the best choice for you.

Myth: If you got the vaccine last year, you don’t need it this year.

Fact: Research suggests that your body’s immunity from the flu vaccine declines throughout the year, so there is often not enough immunity left to protect you from getting sick for multiple seasons. This is why the CDC recommends a flu vaccine each year.

Myth: The vaccine isn’t safe.

Fact: Flu vaccines have been used for more than 50 years and have a very good safety track record. They are made the same way each year, and their safety is closely monitored by the CDC and Food and Drug Administration.

Source: www.cdc.gov

Burn Pre-Thanksgiving Calories

November 4th, 2015 | Comments Off on Burn Pre-Thanksgiving Calories | Posted in Spotlight on the Community

Turkey Trots in Washington, DC, Maryland and Northern Virginia

PrintThis holiday season join friends, family, co-workers and neighbors and participate in one of the Turkey Trots in Washington, DC, Maryland or Northern Virginia. Some are for charity, some are just for fun. All will help you burn a few calories before the big Thanksgiving feast! Here is the 2014 schedule of Turkey Trots, Runs and Races:

In Washington, DC

Thanksgiving Day Trot for Hunger– November 26, 2015, 8:30 a.m.

Beginning at Freedom Plaza, between 13th Street, NW and 12th Street, NW, Washington, DC. Sponsored by SOME (So Others Might Eat), this popular 5K fun run and family walk benefits programs for the homeless, and helps SOME to serve more than 800 meals to the hungry every day of the year.

Cranberry Crawl 5K/10K Run and Race Walk – November 21, 2015, 7:50 a.m.

East Potomac Park Golf Course, 972 Ohio Drive SW, Washington DC (703) 481-3530. The annual turkey trot is sponsored by Potomac Valley Track Club.

In Maryland

Turkey Chase Bethesda–Chevy Chase YMCA – November 26, 2015, 8:30 a.m. 9401 Old Georgetown Rd. Bethesda, Maryland (301) 440-1854. 10K Race and 2 mile Fun Run. Every Thanksgiving for the past 25 years, thousands of runners have gathered in Bethesda to run in the Turkey Chase in support of the YMCA’s Youth and Family Services, YMCA Bethesda-Chevy Chase and the Bethesda-Chevy Chase Rotary Club Foundation.

In Northern Virginia

Turkey Trot 10K/ Turkey Trot Miler
November 21, 2015, 8:30 a.m. Marine Corps Base Quantico LeJeune Hall, Quantico, Virginia.

Organized by the Marine Corps Marathon, participants will kick off their Thanksgiving Day celebration with a preemptive strike against those extra holiday calories by traversing Russell Road with scenic glimpses of Chopawamsic Creek, heading back east to pass by Butler Stadium and completing their 6.2 miles at Lejeune Hall.

Alexandria Turkey Trot
November 26, 2015, 9 a.m. George Washington Middle School, 1005 Mt. Vernon Avenue, Alexandria, Virginia. DC Road Runners Club, a local group affiliated with USA Track & Field, sponsors an annual race on Thanksgiving Day. Food donations support ALIVE!, a nonprofit organization serving Alexandria’s needy.

Arlington Turkey Trot – 5K Fun Run/Walk
November 26, 2015, 8 a.m. Christ Church of Arlington, 3020 North Pershing Drive, Arlington, Virginia. The run goes through Lyon Park and Ashton Heights and raises money for three local Arlington charities: Arlington-Alexandria Coalition for the Homeless, Doorways for Women and Children and Arlington Food Assistance Center.

Fairfax Turkey Trot
November 26, 2015, 9 a.m. Mantua Swimming Pool , 9330 Pentland Place, Mantua, Virginia. Proceeds to benefit the Bob Woodruff Foundation to support programs that help veterans thrive after they return home.

Freeze Your Gizzard 5K Cross Country Race
November 21, 2015, 9 a.m. Ida Lee Recreation Center, 60 Ida Lee Dr., Leesburg, Virginia (703) 777-1368. Food donations will benefit Loudoun Interfaith Relief, the largest food pantry in Loudoun County and an organization providing support to homeless shelters, low-income senior citizen housing centers and after school programs for at-risk children.

Virginia Run Turkey Trot
November 26, 2015, 8 a.m. Thanksgiving Day 5k Run/2k Walk. Virginia Run Community Center, 15355 Wetherburn Court, Centreville, Virginia. Proceeds benefit Life with Cancer, a non-profit organization that enhances the quality of life of those affected by cancer by providing education, information and support.

Drumstix Dash
2015 Date to Be Announced, 9 a.m. Burke Lake Park, 7315 Ox Road, Fairfax Station, Virginia. The event includes a challenging 8K race plus a family-friendly fun run and walk to benefit Housing & Community Services of Northern Virginia,  a non-profit association that works to rescue people from foreclosure and eviction by offering services that include budget counseling, affordable housing search, crisis intervention, and emergency financial assistance.  Prizes will be awarded to top runners overall, and also to the top three men and women in various age groups.

Source: dc.about.com

The 50 Most Delish Fall Soups

November 4th, 2015 | Comments Off on The 50 Most Delish Fall Soups | Posted in Lifestyle

Roasted Garlic Sage Pesto
Pumpkin Soup

Fall-ify your soup by serving it in a pumpkin.

Get the recipe from Half Baked Harvest.

Courtesy of Half Baked Harvest

Brie + Cheddar
Apple Beer Soup

This is beer soup. Nothing else needs to be said.

Get the recipe from Half Baked Harvest.

Courtesy of Half Baked Harvest

Mac and Cheese Chili

Why have we waited this long to combine two of our FAVORITE fall meals?

Get the recipe from Damn Delicious.

Courtesy of Damn Delicious

Broccoli Cheddar Soup Mini Pies

This has got me rethinking bread bowls.

Get the recipe from Half Baked Harvest.

Courtesy of Half Baked Harvest

Creamy Chicken Tortilla Soup

Topping it with avocado is a must.

Get the recipe from Cooking Classy.

Courtesy of Cooking Classy

Roasted Butternut Squash and Bacon Soup

You had us at bacon.

Get the recipe from Damn Delicious.

Courtesy of Damn Delicious

Lasagna Soup

Already have dinner plans? Cancel them.

Get the recipe from Center Cut Cook.

Courtesy of Center Cut Cook

Creamy Parmesan Tomato and Spinach Tortellini Soup

Tomato soup just went next-level.

Get the recipe from Closet Cooking.

Courtesy of Closet Cooking

Creamy Chicken and Wild Rice Soup

It’s so creamy.

Get the recipe from Cooking Classy.

Courtesy of Cooking Classy

Chicken Cordon Bleu Soup

Chicken, bacon, ham, swiss cheese, and cream cheese are the kind of ingredients that equal pure perfection.

Get the recipe from Chef in Training.

Courtesy of Chef in Training

Stuffed Pepper Soup

You’re going to want to eat this one straight out of the pot.

Get the recipe from Cooking Classy.

Courtesy of Cooking Classy

Roasted Acorn Squash and Sweet Potato Soup

Fall produce is amaze in soups.

Get the recipe from Blogging Over Thyme.

Courtesy of Blogging Over Thyme

Lemon Chicken Orzo Soup

This lemony broth will have you feeling like it’s summer…even though it’s fall.

Get the recipe from Damn Delicious.

Courtesy of Damn Delicious

Spicy White Chicken Chili

Spice up your life.

Get the recipe from The Cookie Rookie.

Courtesy of The Cookie Rookie

Tuscan-Style Sausage, White Bean, and Kale Soup

This rustic soup is even better with a side of crispy bread.

Get the recipe from Shared Appetite.

Courtesy of Shared Appetite

Slow Cooker Chicken Noodle Soup

You can’t get through fall without this classic.

Get the recipe from Cooking Classy.

Courtesy of Cooking Classy

Roasted Red Pepper Soup

Top it with goat cheese and you won’t be sorry.

Get the recipe from Closet Cooking.

Courtesy of Closet Cooking

Baked Potato Soup

Baked potatoes are basically the best thing to ever happen to soups.

Get the recipe from Budget Savvy Diva.

Courtesy of Budget Savvy Diva

Tortellini Soup with Italian Sausage and Spinach

There’s so much goodness in that bite right there.

Get the recipe from Yellow Bliss Road.

Courtesy of Yellow Bliss Road

Gingered Squash and Pear Soup

Bold, creamy, and packed full of flavor, this recipe calls for fresh butternut squash, pears, onion, and grated ginger, all puréed to velvety-smooth perfection.

Get the recipe from Delish.

Kate Sears

Cheeseburger Soup

And you thought burger season ended with summer.

Get the recipe from The Recipe Critic.

Courtesy of The Recipe Critic

Chicken Pot Pie Soup

The same flavors, way less work.

Get the recipe from Skinny Taste.

Courtesy of Skinny Taste

French Onion Soup

This classic soup is packed full of flavor. And also, CHEESE.

Get the recipe from Creme de la Crumb.

Courtesy of Creme de la Crumb

Sweet Potato and Red Lentil Bisque

Pomegranate seeds bring the pretty.

Get the recipe from Delish.

Ngoc Minh Ngo

Bean and Bacon Soup

All we need in this life of sin, is beans and bacon.

Get the recipe from Taste and Tell.

Courtesy of Taste and Tell

Beef Barley Soup

You’re definitely going to want to make sure you have leftovers so you can eat this again for lunch the next day.

Get the recipe from The Food Charlatan.

Courtesy of The Food Charlatan

Thai Coconut Curry Butternut Squash Soup

Just putting it out there, but butternut squash soup might be even better as a curry.

Get the recipe from Host the Toast.

Courtesy of Host the Toast

Corn Soup With Chipotle Sour Cream

This chipotle sour cream adds a smoky kick to creamy corn soup.

Get the recipe from Delish.

Lindsay Hunt

Roasted Tomato Basil Soup

The croutons are calling to ya.

Get the recipe from Cooking Classy.

Courtesy of Cooking Classy

Chicken Enchilada Soup

No judgments if you want to eat it with a tortilla on the side.

Get the recipe from Gimme Some Oven.

Courtesy of Gimme Some Oven

Potato and Corn Chowder

Chow down.

Get the recipe from Damn Delicious.

Courtesy of Damn Delicious

Creamy Carrot Soup with Ranch Whipped Cream

Savory whipped cream will rock your world.

Get the recipe from Delish.

Chicken Fajita Soup

Unwritten rule: any Mexican dish you can turn into soup, you should.

Get the recipe from The Recipe Critic.

Courtesy of The Recipe Critic

Broccoli Cheese Soup

This is basically the best broccoli has ever looked.

Get the recipe from Cooking Classy.

Courtesy of Cooking Classy

Loaded Potato Soup

The word “potato” should always be prefaced with “loaded.”

Get the recipe from The Wicked Noodle.

Courtesy of The Wicked Noodle

Red Lentil and Chorizo Soup

Heat things up with a spicy, Spanish-style soup.

Get the recipe from Delish.

Ellen Silverman

Chunky Sweet Potato Soup

This colorful soup is packed with everything good for you.

Get the recipe from Delish.

Creamy Cauliflower Soup

We would have sworn this was potatoes.

Get the recipe from Cooking Classy.

Courtesy of Cooking Classy

Chicken Parm Soup

There’s basically no form of chicken parm that isn’t insanely good.

Get the recipe from Delish.

Ethan Calabrese

Fall Vegetable Quinoa Soup

Breakup with your quinoa bowls and try putting it in soup instead.

Get the recipe from Two Peas and Their Pod.

Courtesy of Two Peas and Their Pod

Creamy Chicken Noodle Soup

Creamy chicken noodle soup will change everything you thought you felt about regular chicken noodle soup.

Get the recipe from Domestically Blissful.

Courtesy of Domestically Blissful

Wild Mushroom Soup

This earthy soup was made for fall nights.

Get the recipe from A Spicy Perspective.

Courtesy of A Spicy Perspective

Asiago Bisque

If you love asiago cheese, this one’s for you.

Get the recipe from Chef in Training.

Courtesy of Chef in Training

Carnitas Enchilada Soup

You can’t buy this at Chipotle.

Get the recipe from Delish.

Ethan Calabrese

Baked Potato Soup

Baked Potato Soup
A baked potato soup might change your life.

Get the recipe from Delish.

Ethan Calabrese

Creamy Chicken and Mushroom Soup

This updated classic—loaded with celery, carrot, and fresh thyme—is the answer to all your problems on a cold night.

Get the recipe from Delish.

Ethan Calabrese

Spicy Turkey Chili

Spiked with cayenne, this addictive chili recipe is easy enough to throw together on a weeknight.

Get the recipe from Delish.

Ethan Calabrese

Italian Wedding Soup

Beef meatballs make soup infinitely better.

Get the recipe from Whole and Heavenly Oven.

Courtesy of Whole and Heavenly Oven

Loaded Bacon Split Pea Soup

Would you like a side of split pea soup with your bacon? Kidding! But, seriously, this split pea gets its bold smoky flavor from a whole lot of bacon.

Get the recipe from Delish.

Ethan Calabrese

Mixed Vegetable Minestrone

Hearty vegetables, cannellini beans, and tubetti pasta combine in this hearty soup for a one-dish vegetarian meal.

Get the recipe from Delish.

Kate Mathis

Source: delish.com

November Festival & Events

November 4th, 2015 | Comments Off on November Festival & Events | Posted in Spotlight on the Community

The Washington, DC area and its surrounding communities in Maryland and Virginia host lots of annual festivals and special events. All dates, prices, and activities mentioned are subject to change, so please check the official website or call to confirm information.

shutterstock_220387132Day of the Dead
October 31-November 1, 2015.

Day of the Dead / Los Días de los Muertos is a Mexican custom honoring and remembering those who have died. Find a few celebrations around the Washington DC area. Note that some will be held the weekend before.

Fall Theater in Washington DC
With dozens of performances around the region, here is the schedule of the top shows for the season.

Artomatic 2015
Through December 12, 2015. Hyattsville, MD. Love checking out unique art? This one-of-a-kind art extravaganza features a variety paintings, sculpture, photography, music, theater, poetry, dance and workshops by local artists.

Kids Euro Festival
Through November 8, 2015. The event staged through the cooperation of the 27 Washington-based European Union embassies and more than a dozen major local cultural institutions will include more than 200 free performances around the city. Geared to children ages 2-12.

Washington Redskins
Enjoy the football season and cheer for DC’s team.

Washington Wizards Basketball
See NBA games live at the Verizon Center or enjoy the national broadcasts throughout the season.

Alexandria Film Festival
November 6-8, 2015. The festival includes a variety of films screened in and around the City of Alexandria, Virginia.

FotoWeek DC
November 7-15, 2015. The annual celebration of photography in Washington, DC, will feature programs including a photo contest and juried exhibition, gallery openings, lectures, educational workshops, portfolio reviews, book signings and more.

Manassas Veterans Day Parade
November 7, 2015, 11 a.m. Manassas, Virginia. The community parade includes military and high school bands, pipe and drum corps teams, military units from the various Armed Services, military vehicles, and members from local veteran organizations.

Chesapeake Bay Bridge 10K
November 8, 2015. Annapolis and Stevensville, MD. The inaugural race across the Chesapeake Bay Bridge includes a weekend of activities to raise money for charities.

Veterans Day
November 11, 2015. Honor American veterans at this event and/or attend a wreath-laying ceremony at one of the monuments in Washington, DC. See the schedule of this year’s events.

Reopening of the Renwick Gallery
November 13, 2015, 10 a.m.-5 p.m. Washington DC. A morning ribbon-cutting ceremony will precede a free open house offering the opportunity for the public to explore the galleries, meet curators Bell and Atkinson, and take tours led by museum docents. The Gallery will remain open after hours for “all you can craft,” craft beer, live music and special guest artists on site. This event will be ticketed and available for ages 21 and up. On Saturday, Nov. 14, the Renwick will offer a free family festival with craft activities, artist demonstrations, musical performances and special museum tours.

Holiday Craft Shows
Throughout the month of November, you will find lots of arts and crafts shows ideal for shopping for unique holiday gifts. Find here a variety of craft shows in Washington, DC, Maryland and Virginia.

Museum Shop Around at Strathmore
November 12-15, 2015, Thursday and Friday, 10 a.m. – 8 p.m., Saturday 10 a.m.-6 p.m., Sunday 10 a.m.-5 p.m. Shop at 16 museum shops under one roof at the Mansion at Strathmore, 10701 Rockville Pike, North Bethesda, Maryland (301) 581-5100.

National Harbor Christmas Tree Lighting
November 14, 2015, 5-7 p.m. Waterfront Plaza, National Harbor, Maryland. The waterfront community will kick off the holiday season by lighting up the sky with fireworks and a 65ft Christmas tree decorated with 20,000 lights. Sip some hot chocolate and enjoy story-telling, an ornament-making workshop and holiday music.

DC Cocktail Week
November 17-23, 2015. More than 50 Washington DC area restaurants and bars offer specially priced cocktail and food pairings to entice guests to try something new. This is a great opportunity to check out the local happy hour scene.

Gettysburg Remembrance Day Parade and Illumination
November 19 and 21, 2015. Gettysburg, PA. Abraham Lincoln’s famous “Gettysburg Address” and the dedication of the Soldiers’ National Cemetery are commemorated with a special ceremony, a parade and an illumination of the cemetery.

ICE! – Christmas at the Gaylord National Resort
November 21, 2015 – January 3, 2016. The award-winning holiday attraction is a winter wonderland created entirely of 5,000 BLOCKS of ice weighing 1.5 MILLION POUNDS! hand-sculpted by 40 international artisans and kept at a chilling nine degrees Fahrenheit. This is an interactive holiday attraction you won’t want to miss.

Turkey Trots in the Washington DC Area
Various Dates. A variety of organizations in DC, Maryland and Northern Virginia sponsor walks and runs to raise money for charity.

Christmas at Mount Vernon
November 27, 2015 – January 6, 2016. Learn about the Christmas traditions of George Washington and his family, meet historic characters and tour the Mount Vernon Estate by candlelight.

Presidential Turkey Pardon
Each year, the President pardons a turkey and spares its life in celebration of Thanksgiving. See photos!

Thanksgiving Parades
Attend the annual Thanksgiving parades in Reston, Virginia and Silver Spring Maryland.

Thanksgiving Weekend in the Washington, DC Area
Thanksgiving weekend kicks off the holiday season and many wonderful activities and events begin in Washington, DC, Maryland and Virginia. Here are some ideas of fun things to do during the Thanksgiving weekend.

Black Friday in Washington DC
November 27, 2015. The day after Thanksgiving is the busiest shopping day of the year. Many stores open early and offer big sales for the holidays. See the schedule of store openings in the DC area.

City of Alexandria Holiday Tree Lighting
November 27, 2015, 7-9 p.m. Musical entertainment with a visit from Santa Claus in Market Square, 301 King St. (703) 838-4844

Small Business Saturday in the Washington DC Area
November 28, 2015. The Saturday after Thanksgiving has been designated as a day to shop for the holiday season at locally owned businesses to support the economy.  See a guide to Washington DC area neighborhoods that have a number of small businesses.

Nutcracker Performances
Enjoy the Christmas holiday classic ballet at a theater in Washington, DC, Maryland and Virginia. Schedules vary, but many theatres begin their performances in late November.

Christmas Tree Lighting Ceremonies in Washington, DC, Maryland and Virginia
Find dates and times for Christmas Tree Lighting Ceremonies in the Washington, DC area.

Christmas Light Displays
Celebrate the holiday season with a drive or a stroll through one of the Washington, DC area’s spectacle of lights at a local park in DC, Maryland or Virginia.

Source: dc.about.com