muskellunge

Renter Resources For Emergency Services That Might Help With Rent

In today’s economic environment, tenants are feeling the pain of a recession as well-or even more-than the rest of the population. This might mean their job loss or lesser wages. It is hard to pay the rent without an income. Therefore, as a landlord, your consider learning about and sharing resources with your tenants that provide emergency services in the Twin Cities. I have put together a few ideas on services/programs that might be able to help with food, utilities and even the rent. Besides the greater possibility and likelihood of getting your rent, you are being a friend and showing that you care. What goes around comes around.

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2012-will it be just another year or is it YOUR year of transition?

I recently gave a Toastmasters speech on this topic. Key to answering the question is whether or not you have written goals in mind regarding what you want or intend to accomplish. Unless there are specific goals that require you to plan and live with a purpose and focus, life will just happen. Either way is fine as long as you know what to expect. Many people are frustrated when they expect something different. Mastering time and focusing on goals may more create a more fulfilling life. Soon, I will begin my annual project of goal setting. I intend to plan my year with measurable goals. I find I’m much happier when I’m focused on where I’m going. As such, I just came across this PDF called The Tower. I thought it was interesting and wanted to share it here. It is a short e-book about a man who is achieving his goals and living the dream. He’s living life on his terms and creating a legacy. He became more focused after he analyzed a video game he was playing. It is a pretty interesting book. Maybe one of your goals involves real estate-buying a new home or investment property. If this is a goal of yours, I can help. Give me a call and let me help you figure out how we can make real estate goals become your reality in 2012.

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Short Sales Vs Foreclosures Vs Traditional sales

We need to understand that while the current economy is really a “Tale Of Two Cities” in that some people have no idea we are in a recession whereas others are in deep pain, the real estate market as a whole is being impacted by distressed properties. Based on the current backlog of homes, it may be this way for some time. That being said, why are short sales being embraced by everyone as the most economical way to move markets forward? When you look at a comparison of the loss incurred by the lender, you will see that losses are generally worse with a foreclosure. Larger losses via lower sales prices ultimately impacts everyone who is buying, selling or refinancing. I have a report and flyer I’d like to share. Both provide you with opinions and resources so you can draw your own conclusions. Solving the housing problem starts with understanding the problem as well as exploring viable solutions.

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HUD Home Tips

Recently, a representative from Best Assets came to speak in Minnesota about how they are handling the disposition of HUD homes in conjunction with the asset managers, agents, and the website http://www.HUDHomeStore.com . The process of buying and selling a HUD home is very similar to that of “traditional transactions”, but there are some small differences and nuances. I have attached a sheet that covers some of items that you should be aware of.

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Minnesota HUD Homes

Most properties that become lender owned are generally available through our online MLS. HUD homes are listed in our online MLS as well. That being said, HUD maintains a site at http://www.HUDhomeStore.com that lists all their properties for all states and provides you a lot more information about specific homes. I would encourage you to go there and see what is available. As an agent, I am able to show and help you purchase a HUD home. Just let me know what you’d like to view. I can set up a specific search for you within our Online MLS and see that listings that meet your parameters are emailed to you daily. Attached you will see that process that occurs once you’ve purchased a HUD home. It will provide you with a flow chart so you know what happens. Did you know that HUD allows you to put $100 down on a full price purchase offer of a HUD home utilizing FHA financing? These terms and conditions are subject to change at any time. Keep up to date at http://www.HUDhomestore.com

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Expanded HARP Mortgage Refinance Option-Available Soon!

Today, the government expanded the HARP program and qualifications. Attached is the news release. Qualifying for a new loan to lower your rate may now be a possibility even if you are upside down-ie underwater on your loan. Terms/conditions always apply-see the release and call me if you think you fit the parameters. We can take it from there.

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VA-Veteran Loans Funding Fee & FHA Maximum Mortgage Changes

Starting October 1st, 2011, the maximum FHA loan limit for single family loans is being lowered from $365K in the Twin Cities to $318,550. See the attached form. This is not a good thing, but reflects the reality of declining value of much of the real estate. Unfortunately, underwriting of all loans continues to tighten. On a positive note, the VA funding fee is being lowered. This would be due to less losses and a lesser need to collect as much insurance premium to protect against defaults. So, the question I have pondered is: Why are VA loans-typically financed at 100% loan to value-not experiencing the same loss ratios as other mortgage programs. VA 100% financing has been around forever. It works-and well. The problem of our mortgage crisis is not the loan to value or a required minimum down payment or tighter underwriting as some would have you believe. Imagine all the new homeowners if we actually took what we’ve learned from decades of underwriting VA loans and applied it to a new “stimulus mortgage program”. Instead, we are becoming a nation of renters. Somebody in congress needs to talk to the people who have their boots on the street for real solutions to our mortgage and real estate problems.

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Using A Reverse Mortgage To Purchase

With some of the major lenders leaving the reverse mortgage business-possibly just on a temporary basis-you might find it more difficult to find a lender offering the program. At the same time, it is worth your time to look. If you are 62 years old and have approximately 50% equity in a home, you can obtain a reverse mortgage. You can use this loan for a purchase as well. So, if you put down 50% of the value of the home, you can obtain a reverse mortgage. Remember, the reverse mortgage doesn’t have a monthly payment associated with it. While you are still responsible for the taxes and insurance, you pay off your loan when you sell the home. The attached PDF will give you some examples of how much is required to buy a home using a reverse mortgage at various age groups. This is a unique opportunity for seniors to consider, especially if they are on a fixed income.

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An Economic Blog/Resource For You

I just found this blog at http://www.CalculatedRiskBlog.com It is a cool economic blog. Go there and read articles to see what is happening in the world. Then, go to the graphs gallery. Simply amazing. It is worth your time if you want a macro view of the world and environment in which we live today.

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What’s happening in the Twin Cities Real Estate market?

Are you wondering what’s happening out there? Well I have my “boots on the street”. Here is where I see it and where I see it going in the short term. Overall, sales are slow, but not dead. We are now in the fall market. In as early as 30 days, we could have snow on the ground. Then, you have Thanksgiving and all of the other holidays. Combine all these events and this tends to be the slowest time of the year. This means it will likely get slower over the next 90 days for traditional home sales. I’ll keep you posted about the Spring market when we get there. That being said, I am keeping very busy-thankfully!. Many of my transactions today are involving investors. The deals are just too good to pass up. I would be happy to show you what I mean and give you actual examples involving investor transactions I’ve been involved with. If you believe that values will increase in the future, now represents the best buying opportunity I have seen in my 26 years. Is it all uphill from here? Absolutely not! In fact, depending on the community and property type, it might get worse before it gets better. Yet, if you are a long term investor, purchasing for the long term, this is a golden opportunity. Interest rates are at 50 year lows, the banks will soon have to do something with their inventory of properties. Banks are actually accelerating their foreclosure procedures. This means more homes will be available for sale or even possibly for rent. The government is thinking about solutions-so we’ll have to stay tuned. Will they become landlords? Will they raise the LTV loan limits for underwater mortgage refinance opportunities and expand eligibility beyond Fannie and Freddie loans? Will there be write downs of principal and equity sharing going forward for existing underwater homeowners? These are all ideas being talked about. Stay tuned for more!!

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Amazing Video-Wouldn’t Believe It If I hadn’t Viewed The Video

Amazing message-mortal enemies can get along! What an example for the rest of us!

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Great Cartoon from 1948

Human beings are human beings. Only the names change. When we refuse to understand history, psychology, and human nature we end up repeating mistakes that could be avoided. Re-learning lessons is getting mighty expensive. Definitely worth watching.

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VA financing their foreclosed properties for Investors

This is pretty exciting.  It is a way that investors can buy VA foreclosed homes with VA loans.  I personally have not participated in this yet, but I wanted to make sure everyone knew that it was an option and might be available.  See the flyer for more info

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Catching Muskies – All About Muskellunges

By Alyssa Bentley

Quick Facts:

• Muskies can live to be 30 years old
• Maximum length of a Muskie: 6 feet
• Maximum Weight of a Muskie: around 70 lbs
• Trophy Length: over 4 feet
• Trophy Weight: over 40 lbs
• Mature females tend to be bigger than males, but mature and grow at a slower rate.

Muskies are a non-schooling predatory fish, who are generally tend to stay out of eyesight of each other.

They usually lurk near drop-offs from rock or sand bars in the middle of lakes, along weed beds or other vegetation, and in shady waters close to shores that are fringed with overhanging trees. They prefer larger lakes with deep and shallow basins and large beds of aquatic plants.

They have a typical ambush predator design, elongated body, flat head, and caudal fins placed far back on the body.

The stealthy muskie hunts by waiting motionless. When a fish swims by (any fish, including other muskies) they strike, impaling the prey on their large canine teeth, rotating it, and swallowing it headfirst. Strangely, the size of the fish a muskie eats appears to be related to the ultimate size it can attain. As the fish grows larger, the size of its prey naturally varies more. Even if plenty of small fish are available, a muskie may not be able to grow large without large fish to eat. Muskrats, ducks, shrews, mice, and frogs also appear in the stomachs of muskies from time to time.

A Varied Diet:

Muskellunges are known to have a varied diet. They will eat other muskies and any fish they see, as well as ducklings, smaller muskrats, shrews, mice, and frogs, and the largest Muskies are known to eat whole adult ducks. There is one report of a Wisconsin man in 1999 who was dangling his feet in the water (not fishing), when a medium sized muskie lunged and attempted to swallow his toe! He ended up pulling the muskie out of the water and extracting it from his foot. The foot required 66 stitches and he was eventually allowed to keep the fish, despite the non-legal size and non-legal method of fishing.

It is not recommended to use your toes as bait.

Other Facts about Muskellunges

Muskies and Pikes (or “Northerns) look very similar. The foolproof way to tell a muskie from a northern is to count the pores on the underside of the jaw: A muskie has six or more. A northern has five or fewer.

The tiger muskellunge (E. masquinongy x lucius or E. lucius x masquinongy) is a hybrid of the muskie and northern pike. Male hybrids are almost invariably sterile although females are sometimes fertile. Some hybrids are artificially produced and planted for anglers to catch. Tiger muskies tend to be smaller than non-hybrid muskies but grow faster. The body is often quite silvery and largely or entirely without spots but with indistinct longitudinal bands.

Though interbreeding with other pike species can complicate the classification of some individuals, zoologists usually recognize from zero to three subspecies of muskellunge.

• The Great Lakes (spotted) muskellunge (Esox masquinongy masquinongy) is the most common variety in the Great Lakes basin and surrounding area. The spots on the body form oblique rows.
• The Chautauqua muskellunge (E. m. ohioensis) is known from the Ohio River system, Chautauqua Lake, Lake Ontario, and the St Lawrence River.
• The clear or barred muskellunge (E. m. immaculatus) is most common in the inland lakes of Wisconsin, Minnesota, northwestern Ontario and southeastern Manitoba.

Catching the Muskie:

If you want to catch a muskie, you’ll need a heavy bait-casting rod, substantial level-wind reel, 20-35 pound test line, a variety of artificial lures or live bait, and a lot of patience. Allow at least 20 minutes in each location before moving on-the large fish usually aren’t very active.

It takes the average angler 20-80 hours to catch a legal musky!

Muskies are generally not food fish. As predator fish, if the food fish in their region have small amounts of toxic substances in their systems, they will gather in much greater quantities in the muskellunges who feed on them. Before eating a muskellunge, pay attention to the fishing advisories of the lake or the state that you are fishing in.

Threats to the Muskie:

The health and success of the muskellunge relies heavily on the health and availability of aquatic plants in their environment. Minnesota anglers are beginning to notice that some of their favorite “weed beds” seem to be disappearing, thus reducing the spawning sites and hunting grounds of the muskies they like to catch. Measures are being proposed, including greatly reducing the number of docks allowed on a lake shore, thus reducing the human footprint on the lakes.

The Muskie and the Northern Pike are both considered sport and trophy fish in Minnesota, and are thusly valuable to the sport fishing community and the tourism economy, but over-fishing does hurt the population of this solitary fish.

So fish carefully, and practice catch-and-release fishing with this fish in order to preserve its continued abundance in all the great lakes.

Alyssa Bentley works for a Website Advertising company. This article is written for Fishermans Pool.com – a great resource for finding a Chartered Fishing Boat [http://www.fishermanspool.com] where you want to fish.

Article Source: http://EzineArticles.com/?expert=Alyssa_Bentley
http://EzineArticles.com/?Catching-Muskies—All-About-Muskellunges&id=1056167

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The Number 1 Method For Catching a Muskie – Night Fishing For Muskellunge

By Sergio DiGirolamo

Alright, so we want a muskie and we want one now! Go to your local bait and tackle and pick up a 10-inch, 3/8-ounce Double Cowgirl. This lure might scare you just by its size and PRICE alone (weighing in at a hefty $25 +/-), but trust me – this is what you want. So again, don’t be frightened by its size, its not like you’re going to have to impart much technique, its basically a cast out and steady retrieve type of lure.

There are most likely other lures you could purchase, such as the Magnum Boo Tail or the Shumway Giant Flasher, but to avoid any confusion if you’re new to this, just pick up the Double Cowgirl and you’ll be satisfied if you follow these tactics and tips.

So no we have our lure, but we’re definitely going to want some rod and reel power. If you don’t own a heavy-action rod, now’s the time to invest in one if you plan on actually landing a muskie. Go with a long rod – 8- to 8 ½ feet – heavy-power, combine this with a reel with a low speed level-wind built for power.

The Abu Garcia 7000 is great for this type of fishing; a very powerful bait casting reel with a great rate of retrieve that will definitely last you quite a few years. 80-pound test Spiderwire Stealth is a great choice of line; steel leader is optional, but not recommended.

Once you’re all set on gear and tackle, it’s time to get to work. As the title implies, the best time to make use of these tactics is at night. Check your local fishing reports at www.weather.com and look for the top menu bar that says “Outdoor Activities”, scroll over it, click on “Fishing”, type in your area code and you’re good to go. This will show you the best times that you’ll want to start fishing, but even without your local fishing report, if you head out at about 8:30-9:00pm you’ll be in good shape to get started regardless. Start by targeting an area about 5 to 10 feet deep, cast beyond your target and crawl your lure back to the boat (this can be done on shore as well but might not be as effective) slowly.

You know you’re going the perfect speed when you’re reeling in your lure just fast enough to allow the blades to spin. When the blades start spinning, they create suction behind the lure which imparts a life-like action to the tail. Work the lure over submerged structures such as sand and rock bars. If you just so happen to excite a muskie and you see it follow your lure back to the boat, stay calm and do exactly as I say: when the lure is but a few feet away from the boat, plunge the tip of your rod into the water and start working it in a figure 8 motion. If the muskie didn’t strike before, he’s almost bound to after the figure 8. Work the figure 8 for as long as you can hold the muskie’s attention, and if nothing happens, then cast out and repeat.

For more information on freshwater fishing, visit http://www.Live4Fishing.webs.com . How-to videos and articles as well as product reviews and all the information you’ll ever need to start catching bigger, better fish.

Join here at http://live4fishing.webs.com/apps/auth/signup?next=

Article Source: http://EzineArticles.com/?expert=Sergio_DiGirolamo
http://EzineArticles.com/?The-Number-1-Method-For-Catching-a-Muskie—Night-Fishing-For-Muskellunge&id=2696813

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Catching Muskies – All About Muskellunges

By Alyssa Bentley

Quick Facts:

• Muskies can live to be 30 years old
• Maximum length of a Muskie: 6 feet
• Maximum Weight of a Muskie: around 70 lbs
• Trophy Length: over 4 feet
• Trophy Weight: over 40 lbs
• Mature females tend to be bigger than males, but mature and grow at a slower rate.

Muskies are a non-schooling predatory fish, who are generally tend to stay out of eyesight of each other.

They usually lurk near drop-offs from rock or sand bars in the middle of lakes, along weed beds or other vegetation, and in shady waters close to shores that are fringed with overhanging trees. They prefer larger lakes with deep and shallow basins and large beds of aquatic plants.

They have a typical ambush predator design, elongated body, flat head, and caudal fins placed far back on the body.

The stealthy muskie hunts by waiting motionless. When a fish swims by (any fish, including other muskies) they strike, impaling the prey on their large canine teeth, rotating it, and swallowing it headfirst. Strangely, the size of the fish a muskie eats appears to be related to the ultimate size it can attain. As the fish grows larger, the size of its prey naturally varies more. Even if plenty of small fish are available, a muskie may not be able to grow large without large fish to eat. Muskrats, ducks, shrews, mice, and frogs also appear in the stomachs of muskies from time to time.

A Varied Diet:

Muskellunges are known to have a varied diet. They will eat other muskies and any fish they see, as well as ducklings, smaller muskrats, shrews, mice, and frogs, and the largest Muskies are known to eat whole adult ducks. There is one report of a Wisconsin man in 1999 who was dangling his feet in the water (not fishing), when a medium sized muskie lunged and attempted to swallow his toe! He ended up pulling the muskie out of the water and extracting it from his foot. The foot required 66 stitches and he was eventually allowed to keep the fish, despite the non-legal size and non-legal method of fishing.

It is not recommended to use your toes as bait.

Other Facts about Muskellunges

Muskies and Pikes (or “Northerns) look very similar. The foolproof way to tell a muskie from a northern is to count the pores on the underside of the jaw: A muskie has six or more. A northern has five or fewer.

The tiger muskellunge (E. masquinongy x lucius or E. lucius x masquinongy) is a hybrid of the muskie and northern pike. Male hybrids are almost invariably sterile although females are sometimes fertile. Some hybrids are artificially produced and planted for anglers to catch. Tiger muskies tend to be smaller than non-hybrid muskies but grow faster. The body is often quite silvery and largely or entirely without spots but with indistinct longitudinal bands.

Though interbreeding with other pike species can complicate the classification of some individuals, zoologists usually recognize from zero to three subspecies of muskellunge.

• The Great Lakes (spotted) muskellunge (Esox masquinongy masquinongy) is the most common variety in the Great Lakes basin and surrounding area. The spots on the body form oblique rows.
• The Chautauqua muskellunge (E. m. ohioensis) is known from the Ohio River system, Chautauqua Lake, Lake Ontario, and the St Lawrence River.
• The clear or barred muskellunge (E. m. immaculatus) is most common in the inland lakes of Wisconsin, Minnesota, northwestern Ontario and southeastern Manitoba.

Catching the Muskie:

If you want to catch a muskie, you’ll need a heavy bait-casting rod, substantial level-wind reel, 20-35 pound test line, a variety of artificial lures or live bait, and a lot of patience. Allow at least 20 minutes in each location before moving on-the large fish usually aren’t very active.

It takes the average angler 20-80 hours to catch a legal musky!

Muskies are generally not food fish. As predator fish, if the food fish in their region have small amounts of toxic substances in their systems, they will gather in much greater quantities in the muskellunges who feed on them. Before eating a muskellunge, pay attention to the fishing advisories of the lake or the state that you are fishing in.

Threats to the Muskie:

The health and success of the muskellunge relies heavily on the health and availability of aquatic plants in their environment. Minnesota anglers are beginning to notice that some of their favorite “weed beds” seem to be disappearing, thus reducing the spawning sites and hunting grounds of the muskies they like to catch. Measures are being proposed, including greatly reducing the number of docks allowed on a lake shore, thus reducing the human footprint on the lakes.

The Muskie and the Northern Pike are both considered sport and trophy fish in Minnesota, and are thusly valuable to the sport fishing community and the tourism economy, but over-fishing does hurt the population of this solitary fish.

So fish carefully, and practice catch-and-release fishing with this fish in order to preserve its continued abundance in all the great lakes.

Alyssa Bentley works for a Website Advertising company. This article is written for Fishermans Pool.com – a great resource for finding a Chartered Fishing Boat where you want to fish.

Article Source: http://EzineArticles.com/?expert=Alyssa_Bentley
http://EzineArticles.com/?Catching-Muskies—All-About-Muskellunges&id=1056167

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Muskie Fishing Tips – Jigging Fall Muskies

Muskie Fishing Tips – Jigging Fall MusBy Jack Phillips

Most anglers think big when hunting lunker muskie, but if you want to catch more muskie think smaller baits and tackle. I caught my biggest muskellunge while fishing walleye with a plastic worm in September. More often than can be considered coincidental people catch a lunge while fishing other species. Most anglers look to heavy tackle, large baits and trolling as the way to catch muskies. Personally I become bored or just tired of trolling all the time.

Now one of my most successful tactics used especially in the fall is used for fishing large walleye and at the same time muskellunge. I use medium size tackle and large walleye baits especially jigs. Fishing weed lines, drop offs and shoals as you would for walleyes will also attract as many lunge as walleyes. The first time I realised this I did have some success for large walleyes and had just caught and released a nice 7 pounder that was followed to the boat by a large muskie.

The only change I made was to make sure I was using wire leads and good stong swivels. Using 6 inch plastics worked just fine and the result was a fun great day of fishing. In all the two of us caught and released 9 walleyes from 5 to 8 pounds plus 5 muskie all in the 15 to 20 pound range. Although not the lunker; that most anglers look for. But it proved to me that these preditors can be caught on lighter tackle and smaller baits.

Conventional thinking tells us that in the fall; the remaining muskellunge, are large, therefore bigger is better. However, my experience is that smaller baits are often the perfect morsel for that elusive luncker.

Equipment And Presentation

When I say smaller baits I am referring to large or oversized walleyes jigs. As mentioned this approach evolved on a body of water with a large population of large walleye. Now using the idea that big baits means big fish or walleye. I began tossing 5 to 6 inch plastic shad-bodied jigs along weed lines. I landed a number of big walleye, but to my surprise, the muskie were also going for the same bait. The big plastic jigs became an important part of my muskie fishing arsenal. All large plastics work just fine.

Colour seems less important than creating a real flash. Two-toned baits, mainly dark and light combinations, create more flash when drawn through the water. Adding some metal flake also ads that extra flash. Just experiment and you will find a combination that will work for you and get that strike you want.

I generally use ball-head or stand-up-head jigs with medium gauge wire hooks. It’s surprising how well a single hook can handle even a large fish. Often you will hook the fish in the gristly flesh in the corner of the mouth. Jigs also make landing and releasing muskie easier; there are then no large treble hooks flopping around to damage the fish or you. Deeply hooked fish can be released by clipping off the hook with pliers.

Single strand wire leaders seem to work best especially along weed beds. I use a hay-wire-twist to attach the wire to the jig head at one end and a small swivel at the other. Watch for kinks in the wire, but these leaders are more weedless than the standard models because of the snaps and swivels.

I prefer a medium action 6-foot spinning rod and a reel spooled with 12 to 14 pound test monofilament. A medium-heavy bait-casting outfit also does the trick, in both cases make sure the drag is working properly.

Even if you prefer the conventional approach, keep a lighter outfit close at hand for when muskie follow, but don’t hit, or they strike short. Using lighter tackle and a jig is also a good approach when there are two of you fishing muskie. One angler throws conventioinal baits, and the other throwing jigs. Then you are always ready to react to follows and misses.

Vary the speed of your retrieve when jigging up muskie. I have had luck in late fall, by using violent rip-jigging motion. It’s tiring, but effective. Experiment and you will find something that works for you.

When battling a muskellunge on light tackle, be careful not to fight it to exhaustion, thereby increasing the chance of delayed death if you plan on catch and release. Ideally, you should release a fish by simply grasping the single hook with a pair of needle nosed pliers, while it’s in the water at the side of the boat. Cut off the hook if the fish is hooked deeply. Muskie fisheries are a fragile resource, so do your best to release that muskie no worse for wear. Now next season that muskie will be ready to fight another day and make that day a great day for another angler.

Jack Phillips has been an avid Canadian angler for over 50 years. Fishing Canada provides solid advice for walleye, bass, pike, muskie, a variety of trout, arctic char bass and more. Idea’s on when and where to go on your next trip to Canada. Ice fishing tips. Delicious fish recipes also!

Article Source: http://EzineArticles.com/?expert=Jack_Phillips
http://EzineArticles.com/?Muskie-Fishing-Tips—Jigging-Fall-Muskies&id=293075

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