Articles by Bradley Steffens
Was an Iraqi Scholar the World´s First Scientist?
Six hundred years before Galileo conducted experiments proving the ancient Greeks wrong about falling bodies, a Muslim scholar born in Basra (located in modern-day Iraq) was conducting verifiable experiments to test ancient Greek ideas about light and vision. That scholar was Ibn al-Haytham. By insisting on experimentation to validate hypothesis, Ibn al-Haytham established a new method of inquiry, earning himself a place in history as the first scientist.
Interior Design: Creating and Selling the Perfect Faucet
A new, virtual faucet creator makes it easy to build a custom faucet from scratch, swap out components, and choose the perfect finish. The company behind the website will deliver the faucet just as you design it. It also will supply you with custom marketing materials to present to the client for approval.
Homeowners Insurance Exclusions
Many homeowners do not realize that their homeowners insurance policies do not insure against all possible threats to their homes. This article covers six of the most common threats excluded and the measures homeowners can take to protect their homes.
Cats, Rats, and Brats - Homeowners Insurance Exclusions
Many homeowners are unaware that their homeowners insurance doesn´t provide protection against all disasters. This article covers some of the most common threats not covered.
Don't Get Bitten by Homeowners Insurance Liability
For the 40% of Americans who are dog owners, dog bites are an unfortunate reality they face. Here are steps dog owners should take to avoid liability for their pet's wild side.
Five Things To Know about Earthquake Insurance
Since 2005, earthquakes powerful enough to be felt by people have occurred in 40 of the 50 states, according to the United States Geological Survey. Not surprisingly, Alaska, California, and Hawaii lead the nation in frequency and size of earthquakes, but other states have significant numbers of quakes as well.
Homeowner's Insurance: Would Your Home Be Restored to Original Condition
Nearly sixty percent of homeowners in America are underinsured. In the event disaster strikes your home, will your homeowners insurance cover all of the damage?
A Roadmap to Choosing Individual Health Insurance
When it comes to their health, each person and each family is unique, so it is not surprising that choosing an individual health insurance plan is a complex process. Cost, convenience, and your unique health issues all come into play when choosing a health insurance policy. Somehow, out of the myriad of health insurance choices, you are supposed to find the right combination for you.
Long Term Care - How to Protect Your Home from Medicaid Reimbursement
Long term care insurance advice and ways to protect your home and family from medicaid reimbursement should you ever need long term care.
The Future of Long Term Care
With the growing senior population, the future of public long term care funds in jeopardy. More and more seniors are looking to private long term care insurance providers for a solution.
Life Annuity - A Single Premium That Does Double Duty
How a single-premium life insurance policy with a long term care rider can help seniors fulfill both their long term care insurance and life insurance needs. A single-premium life insurance policy is a life insurance policy guarantees that it will be "used" at some point. The long term care rider offers flexibility of benefits should the policyholder ever need full-time nursing care.
Life Insurance - 5 Mistakes People Make when Purchasing a New Policy
How to avoid making the five most common mistakes when purchasing life insurance.
Pros and Cons of Term Life and Whole Life Policies
Pros and cons for consumers torn between the choices of term life insurance & whole life insurance policies. You do not want the death of a family member to disrupt your family's finances or jeopardize its future.
The Actual Cost of Term Life Insurance
Helpful information regarding the cost of term life insurance. Information is geared for propsective investors in a term life insurance policy.
Children's Life Insurance
A whole life insurance policy will insure a child for his or her entire life, and it will build cash value over the years. The cash value is the amount the insurance company will return to the policyholder in a lump sum, should he or she cancel the policy.
What is Universal Life Insurance?
Many people are torn between the benefits offered by term life insurance and those offered by whole life insurance. They appreciate the affordability of term life, but they also like the permanence of whole life insurance. For many, universal life insurance offers the best of both worlds.
Remodeling Your Homeowner Insurance
After a major remodel, most homeowners find their homeowner insurance coverage to be inadequate. Here are some things to watch out for and areas to look into when bringing your homeowner insurance policy up to speed.
Reducing the Risk of Residential Fires
Imagine a fire alarm sounding every 19.2 seconds, day and night for a year, and you will have an idea of how many fires are reported in the United States every year. According to a study released by the National Fire Protection Association in September 2007, U.S. fire departments responded to 1,642,500 fires in 2006.
Insurance Leads - Seven Tips for Selling Internet Insurance Leads
Internet leads are different from other sales leads. They are generated differently. They are delivered in real time.
Become a Hero in the ARM Crisis
This article from 2007 discusses how ARM leads can help mortgage brokers and loan officers more efficiently target consumers on the brink of a mortgage reset.
Testing Health Insurance Reform in a “Laboratory of Democracy”
This article from 2010 uses the Massachusetts experience with healthcare reform to illustrate how the Affordable Care Act, also known as Obamacare, conflicts with actuarial science.
Copyright © 2009 by Bradley Steffens
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