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Day: January 9, 2019

Small Business Health Insurance Providers With the Best Rates

When it's time to select a health care plan for your employees, you need to look at several small business health insurance providers in order to find the one with the best coverage and the best rate.

Some factors you want to consider when you are shopping for medical coverage include the type of insurance, the price, and the company's stability and service.

Type of Insurance

Small business health insurance plans offer group coverage, which is always going to be less expensive than individual coverage. In general, small business health insurance plans fall into one of these two types:

* Fee for Service. With this type of plan, employees receive a fixed reimbursements for medical costs and can choose any doctor or hospital. These are the most expensive type of health insurance.

* Managed Care, such as PPOs (Preferred Provider Organizations) and HMOs (health maintenance organizations). With PPOs and HMOs, employees must choose a doctor and hospital that's part of a health care network. HMOs usually offer fewer choices than PPOs and employees may need approval before they can visit a specialist.

Price

The same type and amount of coverage can vary by thousands of dollars from one company to another. To ensure that you get the best rate, use an insurance comparison website to get quotes from at least three insurance providers. (See link below.)

Stability and Service

You want an insurance company that's going to be able to pay your claims and that will provide good customer service. You can check on the financial stability of insurance companies by checking rating services such as AM Best (ambest.com), and Standard & Poor's (standardandpoors.com).

A good place to check on a company's customer service record is to go to your state's Department of Insurance website or the Better Business Bureau. They will have records of complaints lodged against the company. …

Limited-Edition Flea Bamboo Fly Rod – Is It Worth the Money?

When I was little, I would run to the door as soon as I heard my dad's truck pull into our driveway. Fishing was our favorite pastime as father and daughter, and I could not wait to grab my pole and angle in the fresh waters. Fishing was reserved for life talks and occasional jokes. Being one of many daughters in my family, one-on-0ne time with my dad was special. After his passing in the fall, I remembered our fishing excursions, and I still remember "my" old fishing rod. It was an Orvis Flea Bamboo Fly Rod.

What Makes a Bamboo Fly Rod Special?

A bamboo fly rod is made from bamboo (some call it cane). Tonkin and Calcutta cane are used to make bamboo fly rods. Both are said to be the strongest of all species of bamboo because of their high density fibers. Anglers know that density and flexibility are the key to successful fly fishing. Another reason that rod builders use these species of bamboo is because of its well-spaced nodes, brightness, and its lite weight casting abilities.

The process of making a bamboo rod is quite intense. In fact, it can take over 100 hours to make one rod! Artistians hand-wrap the silk fibers from bamboo strips to create the guide of the rod. Most bamboo rods are handmade, and the Orvis Limited Edition Flea Bamboo Fly rod is no exception.

Because of the extensive time it takes to make one of these special rods, some vintage mint condition bamboo rods cost over $ 15,000. Collector editions such as the Limited Edition Flea Bamboo cost between $ 1,500- $ 7,000. Because they are limited edition rods, their value will only rise over time. I have never had mine appraised, but I can guess that it would fetch a pretty penny as it shows minimal wear.

Features of the Limited Edition Flea Bamboo Fly Rod

Anglers who want a lite weight rod will be please with this beautiful product. Hand made in Vermont for 2008 only, this split bamboo, 4-wt. 6 1/2, agile treasure mixes beauty with capacity.

Split bamboo offers the lightest weight casting capabilities. I have used several different rods, and I find that this bamboo rod is far superior to its competitors'. Weighing in at just 4 oz, this rod is perfect for fishing low water creeks and streams. In fact, many reviewers prefer this rod when fishing in low waters. Tie a tiny fly on the Flea rod, and you have yourself a perfect fishing cohort!

This new version of the original Flea Bamboo Fly Rod offers the same taper specifications as the original bamboo Flea rod. Its updated hardware and hand-engraved nickel- silver sliding reel seat band offer style of yesteryear. A Wes-Jordan style tube, a leather and heavy gauge protective liner and an extra tip complete this fine, hand crafted product.

If you are thinking about purchasing this rod, keep in mind that its value will increase over time. This …