A general rule in qualifying for a home mortgage is that your debt-to-income ratio be no higher than 28/36 percent on conventional loans and 31/43 percent on Federal Housing Authority (FHA) loans.
Slip bobber or tight line from shore. Fish with small minnows and crappie rig near the bottom. Yellow perch move in shore to spawn in mid-April and they can be caught from shore. In mid-April fish near shore just off the bottom.
The Bluegill in Toledo Bend spawn normally around the middle of April, depending on water conditions and temperature. However spawning may continue into late summer. Their nests are saucierlike depressions made in sand and gravel and are guarded by the male. A female is capable of laying 38,000 eggs.