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    • Rick

      Fishing Report Clubs - LIMITED MEMBERSHIP - Join Today - FREE   01/24/2018

      Fishing Minnesota had added a new menu item (see above) called Fishing Report Clubs. It's a way to keep the really good fishing reports coming and being shared only with those who also provide detailed fishing reports. We will only approve new members who request to join if they have already posted a recent fishing report in the area forum, associated with the Fishing Report Club area  you want to join. We are going to limit the number of regular memberships, in the Fishing Report Clubs, to the top 20  members in each Club, to those with the best frequency and quality fishing reports provided in the club and less so in the regular fishing report forum open to all members. The higher quality fishing report reserved for the club of course. If  you want fishing reports  around your area, I would Join Now, some of the clubs are starting to fill fast. Use the Fishing Reports Club link in the Menu above (after you've posted a fishing report in the regular area forum) and request to Join.
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fisherdog19

Mortgage Update

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fisherdog19

Just a quick update on the market and what the rates are doing. Conforming A, Alternative A, and Jumbo A paper loans rates have seen a slight decrease over the last 8 weeks, and an even larger decrease since last September. On the flip side, second mortgage/home equity, and subprime rates have done the opposite especially on the high loan to value, and high combined loan to value (first and second leins combined) mortgages. Those in ARM'S that are over 1 year old may be in the biggest dilemma; do I ride out the ARM that may be at a slightly lower rate than what is available now, or refinance into that fixed mortgage?

Well, if you are in an ARM, and plan on staying in the home longer past the adjustment date than what is left on your ARM's fixed rate period, you should consider it. In more simple terms; if your ARM will adjust in April 2008 (12 months), and you plan on staying in your home for more than 12 months after it adjusts, you should consider refinancing. Current ARM to Fixed spreads are very minimal so if you are looking at purchasing or refinancing for any reason just go with the fixed rate. The minimal savings, and possible costs of refinancing in the future will cost you more than you will save in the short term. Although projections for some indices like Prime rate, 3 month LIBOR, and US Treasury note into the first 3 quarters of 2008 are for them to decline slightly (.1-.25%), it is not enough of a drop to consider staying in your ARM.

What does this mean? If you are in the above situation, don't put it off any longer because current rate projections are for an increase, as the industry recommendation is to lock current clients into their rates. Why you ask; well after the bond sell off last Friday due to some positive economy reports, consensus is that the economy will continue to put out positive reports which will in turn cause some type of rise in the current rates.

Current conforming 30 year notes are hovering in the high 5% range, while Jumbo 30 year notes are around 6.25%. If you are in need of a home, land, or commercial loan for any reason, please call me for a prompt, courteous, professional, no obligation consultation. Whether you have good or bad credit, little to no money down, or don't know what you can qualify for I'm here to help. I am a nationwide lender, and offer some of the lowest rates and closing costs available anywhere. Remember, all FM Members get a free appraisal when you finance with me.

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fisherdog19

Rates moved upwards almost .125% since Thursday. Just thought some of you would like to know.

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  • Your Responses - Share & Have Fun :)

    • LoonASea
      I wonder if you would still need both on you if you have the lifetime licence 
    • Hoyt4
      It's go time, i pretty much have all my gear ready for end of March for NE. Our first hunt is archery only then I get to come home and get even with the pipe bomb. Good luck Wanderer once you get that first they just start to drop after that. Bow or shotgun they are a blast. Bisonguy, Scout scout scout. The more you know what the birds are doing and want to do will help. Being a better woodsman and knowing your land and what the birds are doing will put more birds in the dirt then great calling. Patience is another huge part of turkey hunting. I am 1st to want to start running and gunning and give up on a bird i've been working but over the years have got a lot better and just need to give some setups a chance before moving. Good luck be safe.
    • derbier122x
      Anyone have a chance to play with these yet? I'm thinking of getting one to add a second unit to my boat. I have a hook 5 already and it is decent for what I use it for. Also, if I stay with just the original hook series, anyone know if there is a way to make a copy of the lake chip?
    • BrianF
      Cliff is right. If the upper jaw extends past the lower jaw or lip (aka an underbite), then it’s a whitefish. If the lower lip is even with or extends past the upper lip, then it’s a Cisco.  This according to the DNR website. Cisco’s also seem to have an irredescent hue to them vs. whitefish, which in Lake V have a slight brown/yellow hue to them. Hard to explain in words. Bleeding fish...plenty of YouTube videos on how to do it.  I gill them. Leaves your fillets pearly white and creates way less blood and slime during the fillet process. Many say the fillet tastes better too. 
    • IceHawk
      First off welcome to the site ! Fish that area quite often and have seen some good flocks around there.  I would get out and do some glassing in the area , especially around some picked corn fields. Right now they are wintered up but will break  apart once spring gets closer. Maybe hit up a local bait store and ask around if anyone knows of a spot. Or look at the landowners list that received permits in that area. They legally have to grant permission to hunt there land but unfortunately a lot of landowners will tell you they are full even if there not  Good luck in your search. 
    • Bisonguy
      this will be my first time chasing Minnesota turkeys. Any tips on where to go around Lake Lida area? 
    • AlwaysFishing23
      When i was there all could find was perch but i only fished for about 3-4 hours all weekend. Not sure on panfish but i know the walleye bit is still pretty good. I'm sure theres plenty of panfish to be had back there though to.
    • Wanderer
      +1 here.  I miss the hills of SE MN but when I have birds walking through my yard it’s hard to leave Central MN. Its not like they’re gonna be super easy but I’m trying to get my first with a bow, and that’s not easy.  Not yet anyway.  The more days I can get in, the better.  And sticking around home makes THAT part easier. When I first started hunting turkeys it took me three seasons to kill a bird.  Then every year after that was a score with the shotgun for about 20 seasons maybe?  I’m going into my second legitimate season of effort with my bow.  Hoping two times is a charm.
    • JFitz
      I spent a little time last summer looking for weed walleyes in Niles Bay. About 10 minutes into my experiment I caught a chunky 22" on a spinner rig over a weedbed in about 10'. The weeds were growing about halfway to the surface but that fish had no problem smacking my bait. I'll keep experimenting this year.... can't wait for open water!
    • Rick
      I hear the panfish are kicking it up a bit? Any word out there?
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