Monday, March 22, 2021
Sunday, March 21, 2021
Avoid These Six Common Life Insurance Mistakes
By [https://EzineArticles.com/expert/Dwaipayan_Bose/1976106]Dwaipayan Bose
Life insurance is one of the most important components of any individual's financial plan. However there is lot of misunderstanding about life insurance, mainly due to the way life insurance products have been sold over the years in India. We have discussed some common mistakes insurance buyers should avoid when buying insurance policies.
1. Underestimating insurance requirement: Many life insurance buyers choose their insurance covers or sum assured, based on the plans their agents want to sell and how much premium they can afford. This a wrong approach. Your insurance requirement is a function of your financial situation, and has nothing do with what products are available. Many insurance buyers use thumb rules like 10 times annual income for cover. Some financial advisers say that a cover of 10 times your annual income is adequate because it gives your family 10 years worth of income, when you are gone. But this is not always correct. Suppose, you have 20 year mortgage or home loan. How will your family pay the EMIs after 10 years, when most of the loan is still outstanding? Suppose you have very young children. Your family will run out of income, when your children need it the most, e.g. for their higher education. Insurance buyers need to consider several factors in deciding how much insurance cover is adequate for them.
� Repayment of the entire outstanding debt (e.g. home loan, car loan etc.) of the policy holder
� After debt repayment, the cover or sum assured should have surplus funds to generate enough monthly income to cover all the living expenses of the dependents of the policy holder, factoring in inflation
� After debt repayment and generating monthly income, the sum assured should also be adequate to meet future obligations of the policy holder, like children's education, marriage etc.
2. Choosing the cheapest policy: Many insurance buyers like to buy policies that are cheaper. This is another serious mistake. A cheap policy is no good, if the insurance company for some reason or another cannot fulfil the claim in the event of an untimely death. Even if the insurer fulfils the claim, if it takes a very long time to fulfil the claim it is certainly not a desirable situation for family of the insured to be in. You should look at metrics like Claims Settlement Ratio and Duration wise settlement of death claims of different life insurance companies, to select an insurer, that will honour its obligation in fulfilling your claim in a timely manner, should such an unfortunate situation arise. Data on these metrics for all the insurance companies in India is available in the IRDA annual report (on the IRDA website). You should also check claim settlement reviews online and only then choose a company that has a good track record of settling claims.
3. Treating life insurance as an investment and buying the wrong plan: The common misconception about life insurance is that, it is also as a good investment or retirement planning solution. This misconception is largely due to some insurance agents who like to sell expensive policies to earn high commissions. If you compare returns from life insurance to other investment options, it simply does not make sense as an investment. If you are a young investor with a long time horizon, equity is the best wealth creation instrument. Over a 20 year time horizon, investment in equity funds through SIP will result in a corpus that is at least three or four times the maturity amount of life insurance plan with a 20 year term, with the same investment. Life insurance should always been seen as protection for your family, in the event of an untimely death. Investment should be a completely separate consideration. Even though insurance companies sell Unit Linked Insurance Plans (ULIPs) as attractive investment products, for your own evaluation you should separate the insurance component and investment component and pay careful attention to what portion of your premium actually gets allocated to investments. In the early years of a ULIP policy, only a small amount goes to buying units.
A good financial planner will always advise you to buy term insurance plan. A term plan is the purest form of insurance and is a straightforward protection policy. The premium of term insurance plans is much less than other types of insurance plans, and it leaves the policy holders with a much larger investible surplus that they can invest in investment products like mutual funds that give much higher returns in the long term, compared to endowment or money back plans. If you are a term insurance policy holder, under some specific situations, you may opt for other types of insurance (e.g. ULIP, endowment or money back plans), in addition to your term policy, for your specific financial needs.
4. Buying insurance for the purpose of tax planning: For many years agents have inveigled their clients into buying insurance plans to save tax under Section 80C of the Income Tax Act. Investors should realize that insurance is probably the worst tax saving investment. Return from insurance plans is in the range of 5 - 6%, whereas Public Provident Fund, another 80C investment, gives close to 9% risk free and tax free returns. Equity Linked Saving Schemes, another 80C investment, gives much higher tax free returns over the long term. Further, returns from insurance plans may not be entirely tax free. If the premiums exceed 20% of sum assured, then to that extent the maturity proceeds are taxable. As discussed earlier, the most important thing to note about life insurance is that objective is to provide life cover, not to generate the best investment return.
5. Surrendering life insurance policy or withdrawing from it before maturity: This is a serious mistake and compromises the financial security of your family in the event of an unfortunate incident. Life Insurance should not be touched until the unfortunate death of the insured occurs. Some policy holders surrender their policy to meet an urgent financial need, with the hope of buying a new policy when their financial situation improves. Such policy holders need to remember two things. First, mortality is not in anyone's control. That is why we buy life insurance in the first place. Second, life insurance gets very expensive as the insurance buyer gets older. Your financial plan should provide for contingency funds to meet any unexpected urgent expense or provide liquidity for a period of time in the event of a financial distress.
6. Insurance is a one-time exercise: I am reminded of an old motorcycle advertisement on television, which had the punch line, "Fill it, shut it, forget it". Some insurance buyers have the same philosophy towards life insurance. Once they buy adequate cover in a good life insurance plan from a reputed company, they assume that their life insurance needs are taken care of forever. This is a mistake. Financial situation of insurance buyers change with time. Compare your current income with your income ten years back. Hasn't your income grown several times? Your lifestyle would also have improved significantly. If you bought a life insurance plan ten years ago based on your income back then, the sum assured will not be enough to meet your family's current lifestyle and needs, in the unfortunate event of your untimely death. Therefore you should buy an additional term plan to cover that risk. Life Insurance needs have to be re-evaluated at a regular frequency and any additional sum assured if required, should be bought.
Conclusion
Investors should avoid these common mistakes when buying insurance policies. Life insurance is one of the most important components of any individual's financial plan. Therefore, thoughtful consideration must be devoted to life insurance. Insurance buyers should exercise prudence against questionable selling practised in the life insurance industry. It is always beneficial to engage a financial planner who looks at your entire portfolio of investments and insurance on a holistic basis, so that you can take the best decision with regards to both life insurance and investments.
Article Source: [http://EzineArticles.com/?Avoid-These-Six-Common-Life-Insurance-Mistakes&id=8691522] Avoid These Six Common Life Insurance Mistakes
Nontraditional Students - What Kind of College Degree Do You Need?
By [https://EzineArticles.com/expert/Amy_Doughten/520467]Amy Doughten
As an adult nontraditional student, your educational needs are different than a traditional student going to college directly from high school. You may need a degree to advance to the next level in your workplace or to qualify for a particular kind of employment. You may find that your earning potential is limited without a college degree.
The type of degree you consider is closely intertwined with your end goal. Two year (Associate degree) and four year degrees (Bachelor degree) are the most common. Of course, within those two types of degree is an almost infinite variety.
Associate Degree
An Associate degree usually requires two years of college. Associate degrees are typically offered at community colleges, technical and vocational colleges, and some 4-year colleges.
It is vital to understand the different types of Associate degree because the choice you make can affect your future schooling opportunities. There are two main types of Associate Degree: Occupational and Transfer.
Occupational:
If you need a degree for a specific skill, an occupational Associate degree may be a good choice for you. The courses you take will be heavily weighed toward the occupation you are studying; you will take a minimum of traditional general education courses like English and Mathematics.
Although each college is different, generally an occupational Associate degree results in:
Associate Degree of Applied Science (A.A.S.)
ProsYou can be career-ready in two years. There are a significant number of careers where an Associate degree is helpful. Some examples include: interior design, fashion design, auto mechanics, computer networking, computer programming, social work, veterinary technicians and healthcare.
Cons
If you plan on continuing your education to obtain a 4-year degree, be aware that the majority of occupational-related coursework you do will probably not transfer to your selected school. Typically, only the general education coursework you complete will count toward a 4-year degree.
Transfer:
A transfer Associate degree is designed to be the first step toward a 4-year bachelor's degree. Most of the coursework will be in general education areas (English, Mathematics, Sciences) and will correspond to the core classes offered at a 4-year school. This is a great way to enhance your current career by adding a degree to your skillset while you work to obtain your bachelor's degree.
Although each college is different, generally an occupational Associate degree results in:
Associate of Arts (A.A.) Concentration in humanities and social sciences
Associate of Science (A.S.) Concentration in science courses
Pros
This can be a very cost-effective way to get through the first two years of required coursework for your 4-year degree. Tuition at the local community college is usually a fraction of the cost of tuition at a private university. You obtain a degree which can enhance your career prospects and increase your potential earning power.
ConsTypically you will choose a concentration of study. If you later change your mind about the type of 4-year degree you wish to pursue, your two years of coursework may not translate to a full two years of transfer classes.
Talk to your academic advisor to make sure your coursework will transfer to the 4-year college of your choice! Many community colleges have articulation agreements with local state colleges, but not all coursework automatically transfer. If a transfer degree is your goal, save yourself time and money by ensuring your coursework will count at the college of your choice.
Bachelor's Degree
Also referred to as either an undergraduate degree or a 4-year degree, a Bachelor's degree generally takes a minimum of four years to complete. As an adult student, it may take several years to complete the coursework for a Bachelor's degree so be prepared that your 4-year degree might take you 6, 8 or more years to complete. A Bachelor's degree is a prerequisite to a Master's degree (a graduate degree) or a Doctorate.
A Bachelor's degree typically focuses on a specific area of study combined with general educational courses. For example, a Bachelor's degree in psychology is general educational courses, some elective courses, and a heavy concentration in a number of psychology-related courses. This specific area of study is called your Major.
Like the Associate degree, there are different types of Bachelor's degrees. Each college is different, but typically a Bachelor's degree results in:
- Bachelor of Arts (B.A.) Concentration in humanities and social science.
- Bachelor of Science (B.S). Concentration in scientific and technical fields.
- Bachelor of Business Administration (B.B.A.).
- Bachelor of Fine Arts (B.F.A.)
One Last Note: Degrees versus Certification
A certification isn't a degree in the traditional sense, but it certifies that you have gone through specialized education for some type of trade or skill. For example, you may want to be certified as a massage therapist, beautician, or a truck driver. These skills do not require a traditional college degree. Certifications are typically offered by technical/vocational schools and community colleges.
Amy Doughten is a full-time nontraditional student attending Queens University in Charlotte, North Carolina. Read her blog at http://www.backtocollegenow.wordpress.com and follow her progress at [http://www.twitter.com/amydoughten].
Article Source: [http://EzineArticles.com/?Nontraditional-Students---What-Kind-of-College-Degree-Do-You-Need?&id=3618962] Nontraditional Students - What Kind of College Degree Do You Need?
The 7 Pitfalls That Can Ruin Your Conference Calls
By [https://EzineArticles.com/expert/Michael_R._Burns/329647]Michael R. Burns
Conference calls have practically become a way of life in the business world. People schedule and hold conference calls almost every day of the week without even thinking twice about the technology being used or how they are being perceived by their fellow conferees over the other end of the line. Moderators or hosts of conference calls just take it for granted that the technology will work just fine and that everyone is hearing their voice perfectly.
Au contraire! The technology that you are using can be imperfect and have limitations or the moderator and the conferees on the call can be untrained or unaware of how their usage habits are affecting the calls. Both of these issues can cause devastating results leading to information being lost or not communicated properly, and in some cases, terminating the entire call.
Because these nasty issues on conference calls keep occurring, it was decided that a small, concise booklet be prepared that would spell out each problem and propose simple solutions for each one that could easily be followed to eliminate any future "disconnects". So here they are: The Seven Pitfalls That Can Ruin Your Conference Calls and You May Not Even Realize It.
1. Avoid Free Conference Services
Free conference services were started around the year 2000 as a way to exploit the telephone companies' way of revenue separation. Revenues from long distance calls were divided up between the parties that carried each call from the originating party to the terminating party. The originating party would be billed for the call and the telephone company that collected that bill had a system to pay the other companies that handled that call. It was called separation of revenues.
Back in the day, if a long distance call costs 10 cents per minute, a portion of the call or two pennies, for example, would be remitted to the company that terminated the call. These payments are called terminating revenue. All of these costs were regulated by state and national rules and each telephone company had to file tariffs.
What some bright telecom entrepreneurs figured out was that they could locate a conference bridge in a remote, rural telephone company and do a business deal with the company that they would deliver conference minutes into this bridge and split the terminating revenue that was being paid to them for these minutes. To generate huge amounts of minutes, they would advertise their conference service for free and just make money on the terminating revenue paid by the teleco.
And that is exactly what happened, the free providers generated so many millions of minutes each month that they had trouble keeping up with enough equipment or conference bridges to handle the traffic. This problem caused contention on the bridges. There were more parties trying to get into conference calls than they had enough ports or lines to accommodate all of them. Consequently, many conferees on conference calls could not get into their conference calls. Granted the conference calls were free, but you were not guaranteed if all of your parties would be on the call. Bummer! So you get what you pay for.
The reason for this long story is that free conference services still exist and as a customer you could still have contention for the conference ports on the bridges, resulting in only a portion of your conferees getting into your conference calls. In the business world, this cannot be tolerated. What do you say to your colleagues, We are going to schedule half a conference call tomorrow. The problem is that you don't know which half will be allowed into the call. It's a disaster.
As a sidebar to this issue, the Federal Communications Commission, the national entity that regulates telecommunications and telephone companies passed some new rules a couple of years ago that gradually reduced the amount paid to these terminating parties to the point that in 2017, they will be eliminated almost entirely. This could lead to many free conference services exiting the business entirely.
2. Failing to Mute Conferees in Large Conference Calls
Most moderators of conference calls have learned this rule the hard way, by having it happen to them on a live call. It certainly can be embarrassing and if the moderator doesn't correct it and tries to soldier through, the call can become a disaster with many conferees fleeing the scene.
Conference bridges are typically programmed with some moderator commands, which allow the moderator of the call some degree of control over the call. One of the commands is the mute function. On many bridges, the mute function is activated when the moderator presses the *5 keys. When these keys are pressed by the moderator, all of the conferees are placed into mute, meaning their microphones are shut off and will not allow interactive participation with the moderator or the other conferees. This allows the moderator complete silence when giving a presentation or long dissertation. The function is sometimes referred to as "listen only".
When the moderator has completed the speech and wants to put the parties back into interactive mode, the *5 keys are pressed again and the conferee microphones are now activated for speech and all of the parties can interact on the call. There is one major caution when placing all of the conferees into interactive mode. Calls larger than fifteen to twenty five callers are about the limit to being interactive. Any larger calls can become a mass of confusion when multiple parties are trying to speak at the same time.
As a conferencing service provider, we have experienced several customers that have larger conference calls with as many as five hundred to one thousand parties on the call. Even though we have warned them about this issue of too many parties trying to talk at the same time on large calls, they insist upon having an open call. Much to their chagrin after a few minutes of mass confusion and inaudible babble, they ring our operator to help them place their call into listen only. The lesson here is learn to use the mute function and tell your conferees that you are placing them into listen only and you will let them know when they are able to speak again.
3. Choosing a Service With No Live Support
In today's environment of on-line Internet services, customer service has fallen to a new low. High tech Internet companies are trying to make their services "Do it Yourself" (DIY) and limit their expenses on providing customer service personnel. This philosophy can add greatly to their bottom line profitability, but it stinks for the customers when they don't have a live person to assist them with a problem or issue with the service.
There are many Internet audio and web conferencing services that are web page driven and have no live customer service. All you get is a Q&A section on the website and if your question or issue is not in there, then you are stuck. Their service is basically useless if you can't figure out how to use it.
Consequently, you should select a conferencing service that has full customer support with an 800 number and a customer service department. This service will assist you real time when you have an issue, not call you back the next day. In fact, a good customer service department has operators that can even operate the controls on a web conference for you, allowing the customer to focus on the content of the presentation and not have to worry about pushing the right buttons.
4. Choosing a Service with 30 Day Expiring Pass Codes
This is a new one. I was called out on a customer contact at a law firm and the Managing Director said that he was very upset with his conferencing company. I asked why and he said that one of his attorneys was hosting an occasional call that was quite large, fifty parties. He didn't hold these calls very often, about every six to eight weeks. When it came time for everyone to dial into the 800 number, no one could get into the call. The call never happened. The moderator of the call was totally upset because he had wasted all of the conferees time and he looked bad in the process.
After this lawyer reported the bad call to the Managing Director, he called the conferencing company to find out what had just happened. The company representation said that, "Oh, you have 30 day expiring pass codes. If you want the pass codes to be permanent, you have to pay a charge of $5. per pass code per month." With 100 sets of pass codes, the firm would have to pay an extra $500. per month just to keep them active.
After hearing this, the Managing Director became very angry, resulting in a phone call to our company, which led to his firm switching their service over to us.
Repeat this after me, "You should never have to pay a monthly fee for a pass code." Pass codes are free. There is an unlimited number of pass codes that can be assigned to a conference bridge. Every employee in your company or organization can have a free pass code. They never run out. Don't be fooled by this new ploy to get your money.
5. Using Poor SIP Phones
With the advent of digital technology, more telephone equipment has migrated from old analog technology to new digital technology using the Internet. Telephone service has migrated also to Voice Over Internet Protocol (VOIP), which is reliant upon good Internet bandwidth for clear transmission of voice calls. Many business telephone systems are changing to this new format and they have become dependent upon having enough bandwidth for clear voice calls. Some of these telephone system providers, which use Session Initiation Protocol (SIP) do not provide enough bandwidth and therefore the voice quality is sacrificed. The voice can fade in and out. There is cracking or popping on the line. It is just a horrible experience.
When a moderator or conferee comes into a conference call with a poor SIP phone, it can cause havoc on a conference call. No one wants to hear popping, crackling or voices fading in and out. The immediate solution is to use another phone. The longer term solution is to call your phone system provider and have them fix the bandwidth or the phone itself. If this does not correct the problems, then it is time to switch phones. Be sure and test new phones out before buying them.
6. Using Your Speakerphone as a Moderator
Some people just love using their speaker phone, both on their cell phone and on their business phone. This is just fine if you keep your mouth within a reasonably close distance to the phone's speaker for the duration of the call. However, some moderators love to walk and talk. This presents a problem, because when a person walks away from the microphone, their voice fades out. When you add multiple parties in the same room around the speaker phone, the microphone will pick up any conversations within the room, causing disruption in the call. Consequently, when a moderator uses a speaker phone, they have to be extremely careful to stay at a constant distance from the microphone. The moderator should also caution all of the parties within the same room to refrain from talking amongst themselves while the call is proceeding.
7. Moderator on a Cell Phone: The Kiss of Death
Recently, the number of participants on cell phones in a conference calls exceeded the number of participants from business phones. If you are a conferee on a call, you are probably okay to participate via cell phone. You just need to insure that your surroundings are in a quiet setting. However, if you are a moderator on a conference call using your cell phone, you should be aware of certain procedures that can ruin your calls and which you must avoid.
When you set up your conference service with a conference moderator, regardless of the type of phone you are using, you have to specify whether you want your calls to end when you, the moderator, hang up or if you want participants to continue to be able to talk after you hang up. If you want the call to end when you, the moderator hang up, this feature is called "automatic disconnect when moderator hangs up". This means that on all of your calls when you hang up, all of the other parties are automatically disconnected.
The problem you have with being a moderator on a cell phone with this feature is that if your cell phone fades out for whatever reason and disconnects in the middle of your call, all of the parties will be disconnected also. They can all dial back in and be reconnected, but if this keeps happening on your calls, participants will get frustrated and not call back in.
This issue becomes problematic when you are mobile or traveling in a car and go under a bridge or enter a dead zone. Your phone disconnects and boom, your call is toasted. Therefore, when setting up your conference service, consider selecting the option to allow your conferees to stay connected until they hang up.
Remember, it is okay to participate with a cell phone as a conferee on a conference call. It is as a moderator of a conference call that you have to be careful and consider the options available for you when you set up your conference service.
So there you have them, the 7 Pitfalls That can Ruin Your Conference Calls. Now you are educated and can put this information to good use with your conference call etiquette. I wish you much success with your conference calls and your future endeavors.
Mike Burns has been in the conferencing industry since 1971, having originally worked for Southwestern Bell and AT&T. In 1989, Mr. Burns founded Conference Pros International and in 2000, Mr Burns founded A+ Conferencing, a conferencing provider that sells exclusively through master agents and resellers. Mr Burns speaks and writes about the conferencing industry frequently.
888-239-3969. http://www.aplusconferencing.com
Article Source: [http://EzineArticles.com/?The-7-Pitfalls-That-Can-Ruin-Your-Conference-Calls&id=9479213] The 7 Pitfalls That Can Ruin Your Conference Calls
Hiring a DRT Lawyer Will Be Easier by Following These 5 Tips
By [https://EzineArticles.com/expert/Abdul_Waheed_Zafar/1306631]Abdul Waheed Zafar
Today, many businesses offer cash and credit deals, which is why they have to follow their debtors from time to time. In most cases, they can easily get their invoices cleared. But sometimes, the matter is taken to the court of law. In this case, hiring the services of a good DRT lawyer becomes essential. In this article, you will find some tips to choose the best DRT lawyer. Read on to find out more.
1. There is no use in wasting time
The importance of time can't be denied regardless of the type of business. As a business owner, you can't afford to kill time when it comes to getting your invoices cleared. After all, all types of businesses have to pay their employees and vendors without delays.
2. Choose a local lawyer
Ideally, it's better to look for a professional that is from the same state or city as your business debtor. The reason is that these lawyers can meet your debtors in person to resolve the matter.
3. Look for licensing information
It's not a good idea to go with an unlicensed lawyer just like you can't open a bank account with a bank that's not regulated. Therefore, make sure that your DRT lawyer is licensed and qualified.
Make sure you don't underestimate the significance of licensing. Apart from this, if you think that the lawyer is not competent enough, you can get in touch with the trade groups to resolve your matter.
4. Make your move as fast as you can
The more you waste time, the harder it will be for you to recover your amount. Therefore, make sure you hire a lawyer and commence the process within 30 days after the amount is overdue. Once that period is over, it's will be even more difficult for you to get your money back.
5. Compare different quotes
The only reason people hire DRT lawyers is to get their overdue invoices cleared. So, the majority of agencies allow business owners to hire lawyers based upon a contingency fee, which means the lawyer will receive payments only if they can recover funds from the other party. So, it makes the professional struggle to help their clients.
In short, you can follow these simple tips if you are looking for a good DRT lawyer to get your invoiced cleared. Hopefully, you will find these tips helpful. Make sure you take your time to go through the entire process.
At Rajendra Law Office, you can hire the best [https://drtlaw.in]DRT lawyers in Chennai to help you recover money from your debtors. They work based on the guidelines given by the [https://drtlaw.in]Debt Recovery Appellate Tribunal.
Article Source: [http://EzineArticles.com/?Hiring-a-DRT-Lawyer-Will-Be-Easier-by-Following-These-5-Tips&id=10420070] Hiring a DRT Lawyer Will Be Easier by Following These 5 Tips
Saturday, March 20, 2021
3 Tips For Catching More Trout In The Spring Season
By [https://EzineArticles.com/expert/Trevor_Kugler/38856]Trevor Kugler
The spring of the year means a lot of things to a lot of different people, but one group of people that really get excited as the spring season gets underway are fishermen. While all fishermen begin to get a little "antsy" during the spring as they think about heading out onto the water, nowhere is this more true than with trout fishermen. The spring season is the holy grail to many trout fishermen and with good reason as the spring coincides with the beginning of trout season in many areas of the United States.
Below I will draw upon my twenty plus years of experience fishing for trout to outline 3 tips for catching more trout in the spring season. Although the tips themselves are being listed in no particular order, I have found all of them to be extremely effective when fishing for trout, especially during the spring of the year.
A Longer Fishing Rod Is In Order - Many trout fishermen tend not to think much about the length of their fishing rod and this is a big mistake. The reason that this is a mistake is that during the spring of the year you are normally dealing with water conditions that are higher than normal in both lakes and rivers and a longer fishing rod will give you much more "feel" when detecting bites, setting the hook, and fighting trout. This fact is especially true in river fishing scenarios where drift fishing is the technique of choice. Under "normal" river and water conditions you more than likely employ a four to five foot ultralight rod while fishing for trout and during the spring season an ultralight rod that is from six to seven feet is in order.
Smaller Baits Are In Order - No matter what type of trout bait you choose to use for trout during the spring many times smaller is better. So spinners should be in the 1/32 ounce range, spoons should be no larger than 1/4 of an ounce, and any trout jigs should be as small as you can get away with. If you are using live bait or eggs as trout bait, make sure that you employ very small fishing hooks. An example of this rule would be with our friends live worms. During the spring never use an entire night crawler as bait, but rather pinch the night crawler in half or opt instead to use the night crawlers smaller cousin the red worm as your [http://www.jrwfishing.com/gang_hooks.asp]trout bait choice.
Use The Correct Fly - There is no doubt that when you talk about trout fishing or trout bait you have to mention the use of artificial flies as bait and choosing the correct fly is vitally important during the spring trout season. Whether you are a traditional fly fisherman or are a spin fisherman who uses a casting bubble to fish with artificial flies there are certain fly choices that you need to have at the ready early in the trout season. These flies would include woolly buggers, the freshwater clouser, an egg pattern or two, Adams, blue winged olive parachutes, and a couple of pheasant tail nymphs.
Keep these simple trout fishing tips in mind this spring as you head out on your next trout fishing excursion and you will surely experience more success on the water.
Trevor Kugler is president of JRWfishing.com, a website dedicated to ultra light fishing, with an emphasis on ultra light river fishing for trout. Check out our new blog focused on trout fishing tips and techniques to help you be more successful on the water: [http://jrwfishing.blogspot.com]The Ultimate Trout Fishing Blog
Article Source: [http://EzineArticles.com/?3-Tips-For-Catching-More-Trout-In-The-Spring-Season&id=6976899] 3 Tips For Catching More Trout In The Spring Season