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.
Use of this image is restricted to MDC only. In spring when crappie are spawning in the shallows, anyone can cast a minnow and bobber toward the bank and catch a ton of fish. Crappie may spawn as early as mid-March in the southern part of the state and as late as the end of May in northern Missouri. The spawn generally occurs when water temperatures reach 55F. The depth at which crappie spawn depends on water clarity. In stained or muddy water, they may spawn as shallow as 1 or 2 feet.