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.
Silver Magic: Cisco Spawn Muskies. For most anglers, late November in Wisconsin and Minnesota looks like a bleak time. Summer is long since gone and winter is right around the corner. To the untrained eye, it looks like both the land and water is locking down and closing up shop.