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 do not accelerate quickly and are relatively poor swimmers. The fastest recorded speed for a school was 54 cm/s (12.08 mph), with individual fish swimming at less than half that speed. Life history. Yellow perch spawn once a year in spring using large schools and shallow areas of a lake or low-current tributary streams. They do not build a redd or nest. Spawning typically takes place at night or in the early morning. Females have the potential to spawn up to eight times in their lifetimes.