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Politics, News & Issues > Party Politics & Ideology Third-party politics in America: History and future: 1 of 14
There are a few practical things that can be done to open up the process for serious third parties:Simplify Ballot Access. In many states, third parties face horrendous ballot access requirements which are purposely much harder to attain than they are for Republicans and Democrats. While I don't think it's in anyone's interes... More..
Personal Finance > Auto Insurance How to save money on auto insurance for your teen: 1 of 8
As a group teenage drivers are the most expensive demographic in auto insurance. Rates for single males under 18 are particularly notorious, but the rates for females aren't much better. However, there are some ways to reduce the impact on your pocketbook when your son or daughter becomes a licensed driver.BUY A CHEAP USED CA... More..
Creative Writing > Memoirs Memoirs: College football experiences: 1 of 7
When the subject of college football in Idaho is mentioned, these days most people think of Boise State. The 2007 Fiesta Bowl was indeed thrilling, but did it mean I had to watch the DVD for months afterward in every grocery store in the state?Or one might think of the Idaho Vandals, who've had some tough times lately but sti... More..
Personal Finance > Auto Insurance Reducing your auto insurance premium: 3 of 20
When shopping for auto insurance, there are several factors to consider. While you may not be able to change potentially negative aspects of your situation such as age, driving history, or teenage drivers in your household, there are many other variables you can control which insurance companies look at to find a good risk fo... More..
Politics, News & Issues > Party Politics & Ideology The case for separation of church and state: 7 of 35
You wouldn't drive a nail with a screwdriver, so why would you promote morality with government?As we all know, a common complaint the Religious Right has against people like us who dare to oppose their attempts at theocracy is that we're anti-Christian, amoral, irresponsible, etc. Some on the left respond by basically callin... More..
Law & Legal Information > Lawyers & Legal Advice What insurance should you carry after being convicted of a DUI?: 2 of 10
The first thing to do is not to drop your insurance because you had a DUI. That's an invitation to open yourself up to even more trouble down the road. A DUI on your record is bad, but a DUI with an insurance lapse is even worse. At this point your focus should be on rehabilitation, both for yourself and your driving record.A... More..
Personal Finance > Life Insurance Consequences of lying on your life insurance application: 1 of 5
Simply put, if you lie on your life insurance application it will certainly be uprated (i.e. come back more expensive than quoted) and could be denied altogether.Life insurance underwriters have several resources at their disposal to verify if the information you provide on your application is accurate. For example, many life... More..
Politics, News & Issues > People in the News Should Senator Larry Craig (R-ID) Resign?: 1 of 5
Larry Craig needs to do the honorable thing and go away.I couldn't care less if Craig is gay. I also couldn't care less what he does in his personal life (indeed, I'd rather not know in the first place). However, I do think it's legitimate to call into question the motivations of someone who has a consistent anti-gay voting r... More..
Personal Finance > Insurance Basics Why insurers use credit scores to calculate your premium: 1 of 3
Credit scoring for insurance purposes is a controversial yet often misunderstood part of the policy quoting and underwriting process. Regardless of how one feels about the merits of this practice, I believe it's important to understand exactly why it's done, what's looked at, and perhaps just as importantly what isn't.One mig... More..
Personal Finance > Auto Insurance Uncovering the truth about falling auto insurance rates: 1 of 3
Knowledge is power. In the insurance industry, that's especially true. Auto insurance rates are going down for many people due in no small part to a capacity for processing information unsurpassed in the whole of civilization. It's a trend that's likely to continue.Insurance companies must appease two very powerful yet often ... More..