starting seeds and seedlings

hey guys ive been doing this 10 years or so my seedlings i allways have a prob with i think when i buy the pricey ones i tend to care for the sedds more and over tend to them but when planting a germinated seed with a 1/2 inch root seed still on ive been putting the seed only just above the soil have had not perfact results with that when i let them germ a lil mor in paper towels and the leafs pop out it works great my q is should i wait longer to put them into soil wen the seed is on o and when it is i put a piece of plastic wrap over the top of the pot witch is1/3 perlite 1/3vermiculite1/3 peat prob more peat moss then a third tho