My apartment has horrible insulation and especially cold near windows. My landlord keeps saying it is a double-pane window, but to me it looks like a single-pane. Can anybody identify whether this is single or double pane?
If it is double-pane, what kind of product can it be?
The aluminium strip that you can see is the spacer between the 2 peices of glass.
You may have insulation in the walls that give an R value of 20 but the best windows will only give you about a 5 and likely less.
For a renter insulated drapes are not likely a good option but shink wrapping the inside may be your best bet for the winter. http://solutions.3m.com/wps/portal/3M/en_US/WindowInsulatorKits/Products/
So what I understand from the comments is that the thin line of dots at the center is the thin gap between glass panes, and the glass panes are almost attached to each other with almost no space in between.
To be more clear, I added another pic indicating that the aluminum strip is where the glass pane is.
Here is a different view of the window construction. The spacer between the panes typically contains a desiccant to retard moisture. Your attic space is easier to address than anything. The walls are what they are. You can put shrink wrap plastic on the windows (product readily available). Otherwise, I'd say just bundle up.