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.
Yellow perch remains a primary catch in all of the Great Lakes. The region's inland waters offer many fishing opportunities, as well. Blue-ribbon trout streams attract fly fishing enthusiasts, and lakes offer a variety of fish, including crappie, bluegill, perch, pike and large- and small-mouth bass.