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 yellow perch inhabits lakes, ponds, pools of creeks, and rivers. It IS also found in brackish water and in salt lakes. It is most commonly found in clear water near vegetation, and it tends to shoal near the shore during spring. Perch feed on immature Insects, larger invertebrates, fishes and fish eggs during the day.