Articles written by W. Lane Startin - Page 2

Where Knowledge Rules

What is Helium

About me - W. Lane Startin

http://www.startin-insurance.com/

+ more bio information

RSS Feed

Personal Finance > Life Insurance Why you should get life insurance, even if you're young and single: 3 of 7
Actually, one should get life insurance when one is young and healthy. Marital status has no impact on life insurance rates. Regardless of what type of life insurance you buy - be it term, whole or universal - rates are less expensive for younger people for a very obvious reason: young people don't die as much as old people.... More..
Personal Finance > Life Insurance Common misconceptions about employer sponsored group life insurance: 1 of 2
One of the most common objections insurance agents hear from clients regarding life insurance is, "I have it at work." Indeed, many people are part of a group life policy offered by their employer, however it feeds a common misconception that group life alone adequately covers one's life insurance need. Group life insurance ... More..
Personal Finance > Insurance Basics Questions you should not ask your insurance agent: 1 of 2
"Can I have a 'special discount'?" While it may be tempting to ask your agent if he can give you a break on your premium, the plain truth is he can't. Your agent can look for ways to save on your premium such as higher deductibles or lower liability limits, or he can investigate discounts the company offers, but he can't jus... More..
Politics, News & Issues > War in Iraq Why US strategies in Iraq are failing: 20 of 37
Supporters of the Iraq situation, which in my humble opinion is the single worst foreign policy blunder committed by the United States since ... probably the XYZ Affair or something like that, like to point out that many people in Muslim countries support terrorist "jihad" and its goals. I dispute how prevalent that really i... More..
Politics, News & Issues > US Politics (Other) The Senator Craig (R-Id) affair: 6 of 11
Larry Craig's woes are due to a witch hunt by the Idaho Statesman. He said it himself. Statesman reporter Dan Popkey and his bosses were on a months-long crusade to get him, and that's why he pled guilty in Minneapolis. While it's well-known that Popkey was on assignment for several months to discover Craig's true sexuality,... More..
Personal Finance > Auto Insurance What factors affect car insurance rates?: 5 of 8
The answer varies from company to company, but generally speaking all insurance carriers look at several common factors. TICKETS AND CLAIMS It only stands to reason that people with less-than-perfect driving histories pay more than those who keep their records clean. Collision claims or liability claims when you're found at ... More..
Autos > Fuel Economy The ethanol revolution: Fueling up with corn instead of just oil: 14 of 16
Rep. Mike Simpson (R-Idaho) loves ethanol. Specifically, he loves ethanol produced from corn. It gets us away from foreign oil, and ostensibly causes a greater supply of gasoline and therefore lower prices. As Simpson says on his web site, "ethanol production will help rural economies grow, provide farmers with new markets a... More..
Politics, News & Issues > Terrorism Are we safer now than we were immediately after 9/11, or have we just been lucky?: 41 of 43
There's no question about it, we are safer. Airport security is a serious matter. The USPS and similar companies are serious about what goes through their system. Many people take reasonable precautions now. None of this was particularly true before 11 September 2001. Even so, it's overkill. There's still no justification fo... More..
Personal Finance > Home Insurance What kind of insurance you'll need for a condo: 6 of 6
Homeowners insurance covers your property, contents and property liability. Renters insurance is similar to homeowners insurance in that it covers your contents, but it doesn't cover the building or liability outside your apartment (that's the landlord's job). Condominium insurance covers contents too, and the building and l... More..
Personal Finance > Home Insurance Basic damages covered by homeowners insurance: 3 of 3
A basic concept of homeowners insurance (indeed a basic concept of property-casualty insurance in general) is the "peril." A peril is defined as an event directly resulting in tangible loss. Whether an insurance claim is approved or denied depends a great deal on what peril or perils were determined to cause the loss in ques... More..