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.
That is not the only time they spawn because usually I'll catch them off there beds in July and on ocassion at the beginning of Augest. So you see there is a big window of opertunity to catch your spawning Bluegills. I'll usually put around the lake and look at the water from 1 to 5 foot and watch for the nest.