The Difference Between Term and Whole Life Insurance
The difference between term and whole life insurance is a matter of time.
Specifically, Term Life Insurance is what we call “IF” life insurance, Whole Life Insurance is what we call “When” Life Insurance. Meaning that Whole Life pays into your 80’s or beyond when you would pass away as opposed to term life insurance which pays if you die prior to your statistical mortality when you are young.
The main difference between term and whole life is that term will pay in the unlikely event that “if” you die within the 20 or 30 year term of coverage you take out assuming that you took the term out in your 20’s 30’s or 40’s.
Whole life will pay “when” you are more likely to die in your 70’s, 80’s or beyond.
This is why there is a big difference in cost between term and whole life insurance, whole life will statistically pay and it is unlikely that the term life insurance will ever pay.
This is not to say that either is a bad investment. Term is crucial for anyone wanting to protect spouses and children against the loss of a primary income earner. Buy term and invest the difference is the motto of many financial planner and it is a good one. Buy a minimum of 8-10 times your annual income worth. It is cheap and well worth it. 62% of individuals say they need more life insurance, don’t leave your family unprotected. For what it costs it is foolish not to have term life insurance.
Some argue that term life insurance is a waste of money. Maybe so. But think of your family without an income or you to help them. Buy term invest the difference, or if you don’t like the thought of wasting money on something you are very unlikely to use consider a return of premium policy. This is a term policy wherein you get all of your money back at the end of the term, it is more expensive but some of them actually have decent returns for a guaranteed product.
Whole or permanent life insurance is more suitable for people subject to either the estate tax or in very high tax brackets, don’t buy whole life unless you are one of these individuals.
Go to http://termratequote.com/ for all of your term life insurance needs. They have great rates on Term Life Insurance and can get you covered quickly with a minimum of hassle.
If you need whole life insurance a 412 I Fixed Defined benefit plan or financial planning? Go to http://fpaspen.com/
Need a Life settlement? http://lifesettlementaspen.com/
If you are charitably inclined and want to know more about planned giving go to http://centerforplannedgiving.org/
Need Aspen Real Estate http://searchaspenrealestate.com/
Wednesday, May 13, 2009
TermRateQuote.com
Hello all, I am very excited to announce my new Term Life Insurance site, http://termratequote.com/
I think it is going to be great because it eliminates some of the confusion that many term life quotes have.
Most term quotes tend to be innacurate. Our site does away with that.
If you are looking for Term Life Insurance or the difference between Term and whole life insurance check http://termratequote.com/
Don't leave your family unprotected!
I think it is going to be great because it eliminates some of the confusion that many term life quotes have.
Most term quotes tend to be innacurate. Our site does away with that.
If you are looking for Term Life Insurance or the difference between Term and whole life insurance check http://termratequote.com/
Don't leave your family unprotected!
Tuesday, April 28, 2009
Frying Pan Fishing report
Hello all,
I Fished the mid section of the river this weekend and it is coming alive.. Midges behind prince nymphs or pts as usual flows are up but still clear. Do note that the Frying Pan River is one of the few rivers not affected (or affected much less severley) by runoff condidions during May and June. They recommend 7 X but I prefer 6X frogs hair as 7X just seems too small for the large trout that we have. It hurts my heart to leave flys in fish.
This particular Frying Pan River Fishing Report courtesy of Taylor Creek Flyshops
http://tayorcreek.com
Go see Will and the boys for great gear and advice.
April 28, 2009
UPPER FRYING PAN
FLOW: 219 cfsWATER CLARITY: Perfect! The water is clear and we are loving these flows! OVERALL RATING: 8.5 OUT OF 10 THE SHORT AND SWEET: It's all about the Baetis/BWO's right now. Look for good hatches to take place from noon up till 3pm. Small fluorocarbon tippets of 6X, 7X and even 8X are necessary. 6X and 7X is standard fare for nymphing on the Pan while 7X and 8X are needed for fishing dries especially in the soft/flat water. Flag Dun BWO's, No Hackle BWO's and CDC Comparaduns in sizes #20-#22 are ideal dry flies. Subsuface imitations should include the following: Poxyback Baetis, PT's, Biot Emergers, RS-2's and Barr Emergers. All in all, this is easily some of the best fishing in the West right now, plus the Frying Pan is very rarely affected by runoff conditions. If you really want to see just how good the Frying Pan is we strongly encourage you in joining one of our superb guides on this renowned tailwater.
FOOD SOURCES PRESENT: Midges (Gray and Black) #20-24, BWO's #20-22 (Gray,Olive, and Black) Mysis Shrimp (Clear and White) #16-20, Huevos (Yellow and Orange) #14-18, Sculpins/Streamers (Olive, White, Brown, Black) #6-10 IN DEPTH REVIEW: The fishing has been off the charts and because of that crowds are increasing especially on weekends. Keep in mind that 90% of the crowds will be tucked into the top mile or two below the dam, despite the fact that the remainder of the river is just as good (and probably even better). Look for most of your morning fishing to consist of nymphing the deeper sections of river. Small (#20-24) Baetis nymphs are best, with equally small Baetis emergers as droppers trailing behind. Keep in mind the Pan is a relitively small river, thus keep your indicator only about 4-6 feet above your split shot/weight. As the day progresses start focusing on fishing pocket water and below the riffles as the Baetis begin to get active. Right around the noon hour you should count on seeing plenty of fish up on the surface sipping BWO's and the random Midges. Just remember this, if the day is bright and sunny you will generally only find fish rising in any overhanging shade. Obviously, if the day is overcast.....well, count your blessings and enjoy fishing to hordes and pods of risers. After the hatch fizzles out concentrate on fishing deep again or going dry/dropper/dropper. The BWO's generally peak during late April and through May thus why the fishing is so good and only getting better. Egg and Mysis patterns are also effective. Eggs have been good throughout the entire river while Mysis have been fishing well in the Toilet Bowl and Flats. As always, don't rule out slinging some streamers when times are slow, or even for that matter at any time. Just be sure that you are covering water!
Appropriate Patterns Dries: Flag Dun BWO, No Hackle BWO, CDC Comparadun BWO, Para Quill BWO, Para. Emerger BWO, Sparkledun BWO, Spent Midge, Bills Midge Emerger, Hi Vis Griffiths, Sprout Midges Nymphs: Pheasant Tails, Poxyback Baetis, Barr Emerger BWO, Jujubees, RS-2's, Biot Baetis, Batwings, Johnny Flashes, Mojo Midges, Black Beauty Emerger, TC Red Midge Larva, Zebra Midges, Epoxy Mysis, Tims Mysis, Flashtail Hot EggStreamers: Tan and Olive Stingin' Sculpins, Black and Olive Slump Busters, Stingin' Clousers, Tan and Olive Ziwi's, EP Micro Minnow, Sculpzilla's, Mini Sculpins, Autumn Splendors Hints: 7X Tippet!!! For any of your dry fly fishing 7x is mandatory. At times, 8X will be needed if you are fishing flat water coupled with bright sun. Even when nymphing, we fish 6x going to our lead/point fly and 7x going to our dropper. For streamers, tippet size is irrelevant.
If you need a place to stay check with Kim at the Frying Pan River Rentals 970-379-4559 for great deals on fantastic Basalt Co vacation rentals, take a look at http://fryingpanriverrentals.info
I Fished the mid section of the river this weekend and it is coming alive.. Midges behind prince nymphs or pts as usual flows are up but still clear. Do note that the Frying Pan River is one of the few rivers not affected (or affected much less severley) by runoff condidions during May and June. They recommend 7 X but I prefer 6X frogs hair as 7X just seems too small for the large trout that we have. It hurts my heart to leave flys in fish.
This particular Frying Pan River Fishing Report courtesy of Taylor Creek Flyshops
http://tayorcreek.com
Go see Will and the boys for great gear and advice.
April 28, 2009
UPPER FRYING PAN
FLOW: 219 cfsWATER CLARITY: Perfect! The water is clear and we are loving these flows! OVERALL RATING: 8.5 OUT OF 10 THE SHORT AND SWEET: It's all about the Baetis/BWO's right now. Look for good hatches to take place from noon up till 3pm. Small fluorocarbon tippets of 6X, 7X and even 8X are necessary. 6X and 7X is standard fare for nymphing on the Pan while 7X and 8X are needed for fishing dries especially in the soft/flat water. Flag Dun BWO's, No Hackle BWO's and CDC Comparaduns in sizes #20-#22 are ideal dry flies. Subsuface imitations should include the following: Poxyback Baetis, PT's, Biot Emergers, RS-2's and Barr Emergers. All in all, this is easily some of the best fishing in the West right now, plus the Frying Pan is very rarely affected by runoff conditions. If you really want to see just how good the Frying Pan is we strongly encourage you in joining one of our superb guides on this renowned tailwater.
FOOD SOURCES PRESENT: Midges (Gray and Black) #20-24, BWO's #20-22 (Gray,Olive, and Black) Mysis Shrimp (Clear and White) #16-20, Huevos (Yellow and Orange) #14-18, Sculpins/Streamers (Olive, White, Brown, Black) #6-10 IN DEPTH REVIEW: The fishing has been off the charts and because of that crowds are increasing especially on weekends. Keep in mind that 90% of the crowds will be tucked into the top mile or two below the dam, despite the fact that the remainder of the river is just as good (and probably even better). Look for most of your morning fishing to consist of nymphing the deeper sections of river. Small (#20-24) Baetis nymphs are best, with equally small Baetis emergers as droppers trailing behind. Keep in mind the Pan is a relitively small river, thus keep your indicator only about 4-6 feet above your split shot/weight. As the day progresses start focusing on fishing pocket water and below the riffles as the Baetis begin to get active. Right around the noon hour you should count on seeing plenty of fish up on the surface sipping BWO's and the random Midges. Just remember this, if the day is bright and sunny you will generally only find fish rising in any overhanging shade. Obviously, if the day is overcast.....well, count your blessings and enjoy fishing to hordes and pods of risers. After the hatch fizzles out concentrate on fishing deep again or going dry/dropper/dropper. The BWO's generally peak during late April and through May thus why the fishing is so good and only getting better. Egg and Mysis patterns are also effective. Eggs have been good throughout the entire river while Mysis have been fishing well in the Toilet Bowl and Flats. As always, don't rule out slinging some streamers when times are slow, or even for that matter at any time. Just be sure that you are covering water!
Appropriate Patterns Dries: Flag Dun BWO, No Hackle BWO, CDC Comparadun BWO, Para Quill BWO, Para. Emerger BWO, Sparkledun BWO, Spent Midge, Bills Midge Emerger, Hi Vis Griffiths, Sprout Midges Nymphs: Pheasant Tails, Poxyback Baetis, Barr Emerger BWO, Jujubees, RS-2's, Biot Baetis, Batwings, Johnny Flashes, Mojo Midges, Black Beauty Emerger, TC Red Midge Larva, Zebra Midges, Epoxy Mysis, Tims Mysis, Flashtail Hot EggStreamers: Tan and Olive Stingin' Sculpins, Black and Olive Slump Busters, Stingin' Clousers, Tan and Olive Ziwi's, EP Micro Minnow, Sculpzilla's, Mini Sculpins, Autumn Splendors Hints: 7X Tippet!!! For any of your dry fly fishing 7x is mandatory. At times, 8X will be needed if you are fishing flat water coupled with bright sun. Even when nymphing, we fish 6x going to our lead/point fly and 7x going to our dropper. For streamers, tippet size is irrelevant.
If you need a place to stay check with Kim at the Frying Pan River Rentals 970-379-4559 for great deals on fantastic Basalt Co vacation rentals, take a look at http://fryingpanriverrentals.info
Basalt Colorado Vacation Rental
Basalt CO- Frying Pan River rentals now offers a charming 3 bedroom 2 bath Basalt Vacation rental home for fantastic rates!
Listen to the sounds of the river in the master bedroom as you retire from your big day landing many fat rainbow and brown trout. Come to our Basalt Vacation rental property for either a fantastic Frying Pan river fly fishing vacation or a romantic getaway that is within 45 minutes of Aspen as well as the # 1 rated Colorado vacation spot of Glenwood Springs. Family friendly property has a trampoline as well as a swing set.
This property has unbelievable views, and it is private, quiet, yet close to Basalt for fine dining on par with Aspen but at prices that are more favorable. Gold Medal fishing for Rainbow and Brown Trout is just steps from the front door. If winter sports are more your bag, come on down, the property is within 45 minutes of 5 major ski areas including Aspen Mountain, Snowmass, Buttermilk, Highlands and Ski Sunlight. Additionally there are many opportunities for Nordic skiing as well.
Just 10 Minutes to Ruedi Reservoir where boating, water skiing and all the fun activities that a high altitude lake has to offer are including large lake trout. Hiking, biking, and mountain biking all await just out the door. Come relax with your family and/or friends.Several fantastic golf courses are in the area the closest of which is The Roaring Fork Club within 20 minutes, plus experience the cultural and culinary delights that Aspen has to offer with Food and Wine and the Aspen Music Festival.Book your Frying Pan River Fly Fishing Basalt vacation rental Home now by calling 970-379-4559 or go to http://fryingpanriverrentals.info
Listen to the sounds of the river in the master bedroom as you retire from your big day landing many fat rainbow and brown trout. Come to our Basalt Vacation rental property for either a fantastic Frying Pan river fly fishing vacation or a romantic getaway that is within 45 minutes of Aspen as well as the # 1 rated Colorado vacation spot of Glenwood Springs. Family friendly property has a trampoline as well as a swing set.
This property has unbelievable views, and it is private, quiet, yet close to Basalt for fine dining on par with Aspen but at prices that are more favorable. Gold Medal fishing for Rainbow and Brown Trout is just steps from the front door. If winter sports are more your bag, come on down, the property is within 45 minutes of 5 major ski areas including Aspen Mountain, Snowmass, Buttermilk, Highlands and Ski Sunlight. Additionally there are many opportunities for Nordic skiing as well.
Just 10 Minutes to Ruedi Reservoir where boating, water skiing and all the fun activities that a high altitude lake has to offer are including large lake trout. Hiking, biking, and mountain biking all await just out the door. Come relax with your family and/or friends.Several fantastic golf courses are in the area the closest of which is The Roaring Fork Club within 20 minutes, plus experience the cultural and culinary delights that Aspen has to offer with Food and Wine and the Aspen Music Festival.Book your Frying Pan River Fly Fishing Basalt vacation rental Home now by calling 970-379-4559 or go to http://fryingpanriverrentals.info
Monday, April 20, 2009
The Truth about Life Insurance
Myth: Cash value life insurance is a great investment for the masses.
Truth: Cash value life insurance has a very poor rate of return historically and an investor would most likely be better served in mutual funds or other investments.
Don't let a life insurance agent try to tell you otherwise. Cash Value Life Insurance policies for the most part have terrible returns. Again, for the average investor, cash value life insurance is a waste of money.If an investor is not high income earner and/or subject to the estate tax, all they need is term life insurance and they should buy term and invest the difference.
Another thing that anyone considering Cash Value Life Insurance needs to know is that the beneficiary only gets the death benefit and none of the cash value back. If the insured dies young and there is $100,000 cash value in a policy with a $125,000 death benefit the beneficiary gets $ 125,000.
So to summarize... There are three types of people who need three specific types of Life Insurance, and never buy any Life Insurance that is not right for your specific situation.
1. If you are a regular Joe – buy term and invest the difference. The mantra of financial advisors like Suze Orman and David Bach who preach to the regular Joe is “Buy Term and invest the difference”. Term is the right tool for this job. The suggested death benefit for most is 10-15 times income depending on age for working individuals, and 5 -10 times income for a non working spouse.2. However if you are a high net worth individual subject to the Estate Tax either now or in the future the most efficient wealth transfer tool available today is Guaranteed Universal Life Insurance held within an Irrevocable Life Insurance trust.
Simplistically put, when a Trust is drafted and the Beneficiary is the trust, the death benefit is then considered outside of the estate by the IRS, meaning the death benefit is not subject to the Estate Tax. If the Grantor is in good health Guaranteed Universal Life contracts from A + rated insurers are paying 10+% at statistical mortality. When the estate tax of 45% is factored in as well these contracts can be paying a very substantial rate of return that may reach potentially into the teens. These returns can be spectacular especially given the guaranteed nature of the contract.
The only drawbacks to this strategy are: 1. Grantor must pay premiums 2. The Grantor must pass away for the trust to collect. 3. Grantor must pay to have the trust drafted. Also do note for Estate Tax Mitigation purposes the Guaranteed Universal Life contracts we use have relatively little or no cash value especially at statistical mortality thus we avoid the cash value trap described above.3. Alternately, High income earners that own a closely held company may greatly benefit from a 412i Fixed Defined benefit plan. This is the sweet spot for the cash value life insurance. By the way this is the only sweet spot that this Financial Advisor can find for Cash Value Life Insurance; however it is a super one for investors that can take advantage of it. For investors in high tax brackets a 412i Fixed Defined Benefit plan allows the MAXIMUM tax deduction possible of any qualified plan, allowing investors to put up to $300,000 in per year as opposed to the paltry $6000 in an IRA.
$ 300,000 per year in qualified money?? What is not to like?
Well, what rates of return are these Fixed Defined benefits going to pay? That depends on the insurer , and the insured’s health, however expect 3.5% to 4.5%.
Not too exciting you say?
Hold on a moment, keep in mind that much like the Estate Tax issues that high net worth individuals can mitigate by taking out Guaranteed Universal Life Insurance policies inside trusts the Tax man makes investing in 412 i Fixed Defined benefits a very profitable endeavor by avoiding paying taxes until withdraw. You will have to pay taxes eventually barring you use your qualified assets to pass to charity through planned giving. Do keep in mind that this is a guaranteed investment which is subject to the viability of the insurance company, however, the main benefit is the fact that the IRS allows such HUGE qualified contributions.
How most 412i Fixed Defined benefit plans work is a combination of a Cash Value Life Insurance policy with a Fixed Annuity. One other nice thing about these is the fact that they are much easier to administer than a standard Defined Benefit program as the returns are fixed and there is no chance of over or under funding. The exit strategy is clear, rollover the funds into a traditional IRA within 4-6 years, thus avoiding cash value trap described above.
The result? The investor sheltered up to $ 1.8MM in a qualified tax environment at positive (albeit conservative) rates of return to rollover into a traditional IRA after six years…
Yes, Cash Value Life Insurance is a terrible investment for most. However for investors with either a substantial estate subject to the Estate Tax or who are in a high tax bracket with a closely held corporation may want to seriously consider the appropriate type of Permanent Life Insurance. Due to IRS regulations it is hard to go wrong!
For more on life insurance or if you are not a regular joe and you need insurance call 970-925-9600
Or check online at http://fpapsen.com or http://forlifeinsurance.info
This is neither tax nor legal advice. Please consult your tax or legal advisor.
Truth: Cash value life insurance has a very poor rate of return historically and an investor would most likely be better served in mutual funds or other investments.
Don't let a life insurance agent try to tell you otherwise. Cash Value Life Insurance policies for the most part have terrible returns. Again, for the average investor, cash value life insurance is a waste of money.If an investor is not high income earner and/or subject to the estate tax, all they need is term life insurance and they should buy term and invest the difference.
Another thing that anyone considering Cash Value Life Insurance needs to know is that the beneficiary only gets the death benefit and none of the cash value back. If the insured dies young and there is $100,000 cash value in a policy with a $125,000 death benefit the beneficiary gets $ 125,000.
So to summarize... There are three types of people who need three specific types of Life Insurance, and never buy any Life Insurance that is not right for your specific situation.
1. If you are a regular Joe – buy term and invest the difference. The mantra of financial advisors like Suze Orman and David Bach who preach to the regular Joe is “Buy Term and invest the difference”. Term is the right tool for this job. The suggested death benefit for most is 10-15 times income depending on age for working individuals, and 5 -10 times income for a non working spouse.2. However if you are a high net worth individual subject to the Estate Tax either now or in the future the most efficient wealth transfer tool available today is Guaranteed Universal Life Insurance held within an Irrevocable Life Insurance trust.
Simplistically put, when a Trust is drafted and the Beneficiary is the trust, the death benefit is then considered outside of the estate by the IRS, meaning the death benefit is not subject to the Estate Tax. If the Grantor is in good health Guaranteed Universal Life contracts from A + rated insurers are paying 10+% at statistical mortality. When the estate tax of 45% is factored in as well these contracts can be paying a very substantial rate of return that may reach potentially into the teens. These returns can be spectacular especially given the guaranteed nature of the contract.
The only drawbacks to this strategy are: 1. Grantor must pay premiums 2. The Grantor must pass away for the trust to collect. 3. Grantor must pay to have the trust drafted. Also do note for Estate Tax Mitigation purposes the Guaranteed Universal Life contracts we use have relatively little or no cash value especially at statistical mortality thus we avoid the cash value trap described above.3. Alternately, High income earners that own a closely held company may greatly benefit from a 412i Fixed Defined benefit plan. This is the sweet spot for the cash value life insurance. By the way this is the only sweet spot that this Financial Advisor can find for Cash Value Life Insurance; however it is a super one for investors that can take advantage of it. For investors in high tax brackets a 412i Fixed Defined Benefit plan allows the MAXIMUM tax deduction possible of any qualified plan, allowing investors to put up to $300,000 in per year as opposed to the paltry $6000 in an IRA.
$ 300,000 per year in qualified money?? What is not to like?
Well, what rates of return are these Fixed Defined benefits going to pay? That depends on the insurer , and the insured’s health, however expect 3.5% to 4.5%.
Not too exciting you say?
Hold on a moment, keep in mind that much like the Estate Tax issues that high net worth individuals can mitigate by taking out Guaranteed Universal Life Insurance policies inside trusts the Tax man makes investing in 412 i Fixed Defined benefits a very profitable endeavor by avoiding paying taxes until withdraw. You will have to pay taxes eventually barring you use your qualified assets to pass to charity through planned giving. Do keep in mind that this is a guaranteed investment which is subject to the viability of the insurance company, however, the main benefit is the fact that the IRS allows such HUGE qualified contributions.
How most 412i Fixed Defined benefit plans work is a combination of a Cash Value Life Insurance policy with a Fixed Annuity. One other nice thing about these is the fact that they are much easier to administer than a standard Defined Benefit program as the returns are fixed and there is no chance of over or under funding. The exit strategy is clear, rollover the funds into a traditional IRA within 4-6 years, thus avoiding cash value trap described above.
The result? The investor sheltered up to $ 1.8MM in a qualified tax environment at positive (albeit conservative) rates of return to rollover into a traditional IRA after six years…
Yes, Cash Value Life Insurance is a terrible investment for most. However for investors with either a substantial estate subject to the Estate Tax or who are in a high tax bracket with a closely held corporation may want to seriously consider the appropriate type of Permanent Life Insurance. Due to IRS regulations it is hard to go wrong!
For more on life insurance or if you are not a regular joe and you need insurance call 970-925-9600
Or check online at http://fpapsen.com or http://forlifeinsurance.info
This is neither tax nor legal advice. Please consult your tax or legal advisor.
More Frying Pan River Fishing reports
Nice, after work I went out to Fly Fish the Frying Pan river. I fished pt’s and a red emerger midge dropper to no avail, with the ensuing darkness switched to the ubiquitous pink worm. Four casts later…… boom the hit. Thinking I must have butt hooked a decent fish as he is taking me upriver at a swift pace straining the tenuous 6x. hmm really far upstream into the rapids powerful sloping back coming out in the shallow spots, then the brief look……. yee haw big powerful bow. This one is worth bringing in. So imagine me in Dockers sweater and dress shoes slogging upstream through rapids trying for the better part of 15 minutes to land this beautiful specimen. Finally he tires and I manage to get him in, from the tip of my finger to my elbow in length and nice girth with beautiful coloration, and most importantly POW right in the kisser! One of the best non Taylor fish I have ever caught. Can’t wait for office run at lunch tomorrow.
Lunch the next day was fairly productive with about a 16" bow on copper midge emerger. But still somehow shockingly hungry!!! Imagine that.
Later an overcast blustery spring evening, the water is up and a little darker. Office run has its usual tree menace, as well as more than its share of rig problems. The trout however are rapacious devouring C.E.’s with a vengeance, two on in an hour, but one takes the opportunity to run me downstream into some sticks escaping unscathed by spitting the barbless hook after couple of good runs. The other, a bruiser of formidable size reminds me to check my knots before every session and escapes with $2.75 worth of facial piercings much to my (not to mention his) chagrin. Heading back to check the fax machine for Donnie deadbeat’s credit report I revel in the blessings of life!
Welcome to Colorado, frigid micro blizzard conditions gives way to sun and cold. Erie yellow spooky death light. Fishing is spotty with a definite increase in flows, and the water very cold. Fish spotted but the dreaded skunk on the day. I might have to go back out in these suckey conditions, I don’t know what hurts more me hands or I pride! The neighbor’s kids eye me suspiciously as I jump up and down from the cold, they don’t particularly care for my love of my new found hole. East coast bastard cold, god dammit!
One must take a day off here and there or even the funest activities can seem like work.
My fly and rig habit Is becoming large enough to fund food and medicine for the whole 1st grade at an elementary school in the third world. Good luck today however as the skunk snap is broken 2 good bows on a 14 gold ribbed hare’s ear fished wet and one on a cue. Did a little surgery on the last nice 18 in bow that fell for the ear, the jewelry seemed fairly fresh and was barbless with about 12in of 5x tailing. Does not make me feel so good about the few long distance releases of late. Hmm wedding crafts or fishing? What would any sane angler do with 1 hr left of daylight! Nice day little windy though.
After fishing the pan for the last week or so I moved downstream catching a couple through motel flats. Damn you forget how powerful the big water is. Working down to the main bridge a hook something… you forget the large effect that the heavy current has even on smaller fish. Spring is here and there is storm clouds of Baetis, not pesky or murderous like the bugs in Alaska but like soft malleable clouds of flying trout food. The other telltale sign of spring is the heavy bodied rocky mountain white fish that festoons my line somewhat like a grocery bag half full of water. Not fighting like a trout, but a load to bring in anyhow.
Success with something new prince nymph in size 14, also secret weapons the new highly touted super nymph seemed magic today. One fish jumped three feet in the air. More smaller browns today with one good rainbow. Tired and going home but one day closer to the 100 water days
Fished four rivers Friday, including Pan, Fork Crystal, and The Gunnison. Gunnison early sat. Was productive with streamers... North Platte specials (cone heads) big buggers copper and black. Hares ears and micro black midges were the order at the east portal below the roller dam. Cross below roller dam and hang on to your ass. Went for a nice refreshing Giardia chocked swim later in the day. Dude on the bank says “I’ve seen some other people swim there but you’re the only one I've seen made it!” I reply I was all state in high school, choking and spitting water. Partner JW falls over laughing. Sunday morning tied into monster bow fishing with Size 4 Space Invader on a sink tip on a downstream he spat me with two super spectacular upstream jumps. Jw is impressed and highly motivated. Hiking and wading is murderous, with dislocated knees and ankles a distinct possibility. Keep moving downstream on the far side to the up and over we go ‘up’ but not over as time and water are both tight and my knee is throbbing like mad. Good camping right before it gets ugly boating wise, before the up and over. If one had a jet boat or raft with motor it would go. Tried to go fish the north fork and the smith fork on the way home but neither had any water in them. North fork was silty tepid cesspool; smith fork had promise at Crawford but no water.
If you need lodging for fishing the Frying Pan River check with Kim at Frying Pan River Rentals 970-379-4559 or aspenbroker at gmail dot com she has a great place for rent or check it out at http://fryingpanriverrentals.info
Lunch the next day was fairly productive with about a 16" bow on copper midge emerger. But still somehow shockingly hungry!!! Imagine that.
Later an overcast blustery spring evening, the water is up and a little darker. Office run has its usual tree menace, as well as more than its share of rig problems. The trout however are rapacious devouring C.E.’s with a vengeance, two on in an hour, but one takes the opportunity to run me downstream into some sticks escaping unscathed by spitting the barbless hook after couple of good runs. The other, a bruiser of formidable size reminds me to check my knots before every session and escapes with $2.75 worth of facial piercings much to my (not to mention his) chagrin. Heading back to check the fax machine for Donnie deadbeat’s credit report I revel in the blessings of life!
Welcome to Colorado, frigid micro blizzard conditions gives way to sun and cold. Erie yellow spooky death light. Fishing is spotty with a definite increase in flows, and the water very cold. Fish spotted but the dreaded skunk on the day. I might have to go back out in these suckey conditions, I don’t know what hurts more me hands or I pride! The neighbor’s kids eye me suspiciously as I jump up and down from the cold, they don’t particularly care for my love of my new found hole. East coast bastard cold, god dammit!
One must take a day off here and there or even the funest activities can seem like work.
My fly and rig habit Is becoming large enough to fund food and medicine for the whole 1st grade at an elementary school in the third world. Good luck today however as the skunk snap is broken 2 good bows on a 14 gold ribbed hare’s ear fished wet and one on a cue. Did a little surgery on the last nice 18 in bow that fell for the ear, the jewelry seemed fairly fresh and was barbless with about 12in of 5x tailing. Does not make me feel so good about the few long distance releases of late. Hmm wedding crafts or fishing? What would any sane angler do with 1 hr left of daylight! Nice day little windy though.
After fishing the pan for the last week or so I moved downstream catching a couple through motel flats. Damn you forget how powerful the big water is. Working down to the main bridge a hook something… you forget the large effect that the heavy current has even on smaller fish. Spring is here and there is storm clouds of Baetis, not pesky or murderous like the bugs in Alaska but like soft malleable clouds of flying trout food. The other telltale sign of spring is the heavy bodied rocky mountain white fish that festoons my line somewhat like a grocery bag half full of water. Not fighting like a trout, but a load to bring in anyhow.
Success with something new prince nymph in size 14, also secret weapons the new highly touted super nymph seemed magic today. One fish jumped three feet in the air. More smaller browns today with one good rainbow. Tired and going home but one day closer to the 100 water days
Fished four rivers Friday, including Pan, Fork Crystal, and The Gunnison. Gunnison early sat. Was productive with streamers... North Platte specials (cone heads) big buggers copper and black. Hares ears and micro black midges were the order at the east portal below the roller dam. Cross below roller dam and hang on to your ass. Went for a nice refreshing Giardia chocked swim later in the day. Dude on the bank says “I’ve seen some other people swim there but you’re the only one I've seen made it!” I reply I was all state in high school, choking and spitting water. Partner JW falls over laughing. Sunday morning tied into monster bow fishing with Size 4 Space Invader on a sink tip on a downstream he spat me with two super spectacular upstream jumps. Jw is impressed and highly motivated. Hiking and wading is murderous, with dislocated knees and ankles a distinct possibility. Keep moving downstream on the far side to the up and over we go ‘up’ but not over as time and water are both tight and my knee is throbbing like mad. Good camping right before it gets ugly boating wise, before the up and over. If one had a jet boat or raft with motor it would go. Tried to go fish the north fork and the smith fork on the way home but neither had any water in them. North fork was silty tepid cesspool; smith fork had promise at Crawford but no water.
If you need lodging for fishing the Frying Pan River check with Kim at Frying Pan River Rentals 970-379-4559 or aspenbroker at gmail dot com she has a great place for rent or check it out at http://fryingpanriverrentals.info
Monday, April 13, 2009
Frying Pan Fishing report
Howdy all,
I fished the Frying Pan this weekend. Good luck mid river with small midges under a Prince Nymph.
6X fluro delicate presentation yielded a couple of nice rainbows.. Weather was a bit crappie though.
Skiing is GREAT still, just wish that the areas were open!!
But if you want to earn your turns, it should be good still, we got eight inches at Snowmass last night (the day after closing) I think that Highlands still has almost a 100 inch base.
Going up tomorrow, will advise.
If you need a river or ski in ski out property check http://searchaspenrealestate.com
I fished the Frying Pan this weekend. Good luck mid river with small midges under a Prince Nymph.
6X fluro delicate presentation yielded a couple of nice rainbows.. Weather was a bit crappie though.
Skiing is GREAT still, just wish that the areas were open!!
But if you want to earn your turns, it should be good still, we got eight inches at Snowmass last night (the day after closing) I think that Highlands still has almost a 100 inch base.
Going up tomorrow, will advise.
If you need a river or ski in ski out property check http://searchaspenrealestate.com
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