Steal My Deal

World wide web based betting webpages are mostly regulated by means of three assemblies. These are known as OSGA (the Offshore Gaming Association), IGC (Interactive Gaming Council) and finally the Fidelity Trust Gaming Association (the FTGA). Vikings DE Udeze.s leukemia in remission

The OSGA are an unbiased watch-dog institute that currently audits the current overseas gambling trade, they undertake to also present sports betters the ability to easily determine honorable companies to play betting games on, without anguish. The OSGA tries to look after the rights of betting buffs, and also they do not demand any yearly costs. The OSGA is a professional not to mention non-biased third party agency who pronounce non-biased judgments, indicated by your assessments, unbiased study, phone conversations, inside advice and additionally supplies industry information.

The IGC are a not-for-profit council. The council has been created to supply an arena for interested individuals to address concerns and also to advance communal concerns in the worldwide web-based betting profession, to ensure scrupulous and also competent trade rules and practices which endeavor to raise end user faith in net based sports gaming products and utilities, also to work as the offshore betting trade’s general policy advocate and in addition the Interactive Gaming Council functions as an info base of operations.

The Interactive Gaming Council has built up a reputation for dependability, consistency and also solidity due to its tough criteria, also its allure to business organizations of proper conduct. The IGC influences overseas gaming through utilizing an extraordinary ten-point operative code furthermore bills sports gaming web sites license fees for displaying the council’s logo. Dissatisfied gambling afficionados may, should they demand to, mention any of their challenges to the IGC.

The FTGA was formed in order to set a standard which will improve the procedures of online sports gaming internet sites. The IGC suggest that by conducting business exclusively with businesses of good standing, they are able to create an alliance of the most fair and professional internet betting businesses all over the globe. So, in summary there are governing bodies who co-ordinate the transactions of internet based betting and which should with time help to ease a few of the insecurities experienced by a few betters. Internet sports gaming internet sites are actually dependable, beacuse personal data should not be necessary and the recompense not to mention the odds should be equivalent to your usual Vegas-type stake. These sites diminish the traveling expenditure, but retain of a Vegas gambling casino, but nowadays you can game in your home.

Borrowing money against your credit cards has always been among the most expensive ways to borrow money, and when you fail to pay your bill in full each month, borrowing is exactly what you’re doing. You’re not alone; the average American household now carries more than $8000 in credit card debt. It’s easier to accumulate credit card debt than other types of debt for the following reasons:

They’re easy to use. It’s far easier to borrow spend money on a credit card, even thousands of dollars at a time, than it is to go to the bank and secure a loan. Convenience can easily lead to overindulgence.

The interest rates are higher than for other types of debt. The interest rate on your mortgage may be 6%. The interest rate on your credit card may be 25%. That adds up in a hurry, especially if you are carrying a balance.

There is no set repayment schedule requiring you to pay back a set amount each month. The only requirement is that you pay at least 2% of your outstanding balance. Many people pay exactly that, and no more, causing the interest to accumulate quickly

Credit card lenders tend not to be very forgiving. If you make a late payment, you could end up with a late fee of as much as $39 in addition to having your interest rate increase.

Many credit cards come with annual fees, which can add to your debt, especially if you don’t pay them in full. Then you end up paying interest on the annual fee!

There are number of solutions available. All they require is a bit of time and diligence. Besides shopping around for the card with the best rate and doing a bit of debt consolidation to place all of your credit card debt on the lowest interest card you own, you might also consider the following:

Ask your lender to waive your annual fee. The competitive nature of the credit card business means that your lender will often waive these fees just for the asking. They would usually rather waive your fee rather than lose you as a customer. It costs nothing to ask. If they do waive the fee, add the fee amount to your next payment.

Pay more than the monthly minimum payment. The minimum payment may soon go to 4%, which may place many borrowers who currently pay only the 2% minimum in a bind. Get in the habit of paying more each month, or pay your bill in full, if you can.

Did you get a large tax refund? Send it to your credit card company. Sure, it would be nice to spend it on a new TV, but if you spend it on a TV while carrying a balance on your credit card at 25%, you are effectively paying 25% interest on your TV.

Use your debit card instead of a credit card. They have the same convenience and ease of use, but few of the drawbacks.

Paying off the national average of $8000 in credit card debt can take a lifetime if you only make the minimum payments. That is a trap that you should make a concerted effort to avoid and by taking a few simple steps, you can keep your debt to a minimum.

©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation and credit counseling, and HomeEquityHelp.net, a site devoted to information regarding home equity loans.

Sometimes when we’re in a bind and need some extra cash, we forget the options we have available. Before you panic about your lack of money, keep in mind some of the ways you can solve your problem.

Here are six solutions, with the advantages and disadvantages of each one.

1) Borrow from a friend or family member

You may have loved ones who will help you out in a time of need, no matter what your situation is. In that case, this is probably the first solution to consider.

The advantage is that you don’t have to fill out applications, have your credit checked, or deal with a company that may charge you high fees. In fact, your friends or family may not charge you any interest for making you a loan (but it’s polite to offer them something, even if it’s just to do them a small favor).

One big disadvantage to borrowing money from someone you know is that they want to know why you need it, and you may have to explain your situation. That’s not always easy to do.

Another disadvantage is that word may get around, if they can’t keep your problems to themselves. Even friends and family like to gossip about their loved ones.

Also, you may have to listen to all their advice about how to save more money, how to get a better job, what to do with your life, and every other “helpful” bit of information they feel a need to tell you. But that’s just the price you pay for borrowing money from people you know.

Finally, the biggest disadvantage is what could happen if you can’t pay back the loan — or can’t pay it back quickly enough. That could ruin your friendship or family relationship, so consider this carefully before borrowing money from them.

2) Pawn something or hold a yard sale

You may have some things you don’t need. In that case, why not sell them to make some money?

If you have something of value that you’d like to keep, and you think you’d have the money soon to buy it back, you can try pawning it. The danger there is that you won’t have enough money in time to get it back.

If you have things you want to get rid of, you can try holding a yard sale, sell your items through the newspaper, or even sell them online on eBay.

The disadvantage is that you don’t know if you’ll be able to sell your things, and it may take some time. Also, you may have expenses involved if you have to run an ad in the paper.

3) Ask your creditors for more time to pay your bills

This isn’t exactly getting cash. It’s more like getting a temporary stay of execution. Still, it may help you get past a temporary cash crisis.

The advantage is that you don’t have to get a loan or sell your valuables. Instead, you just ask for more time to pay your bills. Some creditors may be willing to work with you and arrange a different payment plan.

The disadvantage is that your creditors may charge you for this service. And you still may have to pay late charges or higher interest rate. Or they may just laugh in your face for asking. But it’s worth a try.

4) Get a cash advance on your credit card

The advantage of this is that you don’t have to talk to anyone, fill out an application, or get approved. You’re borrowing money from the credit card company, and they’ve already approved you for a credit line up to a certain amount.

Of course, this solution assumes you have a credit card, that you haven’t maxed it out, or that you’re willing to pay the high fees and extra charges. Typically, credit cards charge a “transaction fee” for a cash advance and they charge a higher interest on cash advances than they do on normal purchases. That’s one disadvantage.

Plus, a lot of us don’t have clean enough credit to get credit cards. Or we just don’t want to be sucked into the world of yearly “membership” fees, or worry about late charges if we miss the payment deadline by a few hours. And some credit cards charge huge interest rates. You can end up paying hundreds of dollars for the “privilege” of using your credit card.

5) Get overdraft protection on your bank account

With this service, the bank covers any checks you write where you don’t have enough money in your account.

The advantage is that you avoid paying fees for bounced checks. It gives you a bit of a cushion.

The disadvantage is that you still end up paying fees. But instead of paying fees for bounced checks, you pay fees for the bank to cover your overdrafts. And that can cost you a bundle!

Some plans have fees as high as $35 per overdraft. What this means is that the bank is really making you a high-interest loan. That is, they charge you for the use of their money (by covering your check when you don’t have enough in your account). And they may only cover you for a few hundred dollars. After that, they start bouncing your checks.

It can be good to have overdraft protection for when you accidentally write a check when the money isn’t there. But don’t use it as a roundabout way to get a loan from the bank. You’ll end up paying too much for this.

6) Get a loan

Once you’ve tried other ways to raise the money you need, you can try getting a loan from your bank or through companies that offer payday loans (also called check advance loans or cash advance loans).

Getting a loan from your bank can be the better choice because you’ll probably be able to borrow the money at a good interest rate, and you don’t have to pay it back right away.

However, this can be the most difficult loan to get. Banks prefer to make loans to businesses, or for specific projects such as a home improvement loan. They rarely give loans to people who just need some cash to tide them over until next payday.

That’s where payday loans come in.

A payday loan company will advance you some cash right away, and you don’t have to pay them back until your next payday. The disadvantage is that these loans are only for people who receive a regular paycheck or benefit check.

The advantages are:
- You can get the money quickly, deposited right into your checking account.
- If you apply online, you don’t have to talk to anyone or tell them why you need the money.
- If you can’t pay back the loan on the next payday, you can roll the loan over until the following payday.
- They usually don’t care about credit problems, only that you can pay the loan back.

While payday loans aren’t for everybody, they are something to consider if you need to get some cash now. Just make sure you’ll be able to pay the loan back fairly soon.

Don Sorensen is co-founder of LoanTruth.org a website focused on the truth about payday loans. He also develops genealogy related content for CensusRecords-Search.com
View their website at: loantruth.org/index.php

As no business will pay for an unfinished survey, the market research companies running the surveys will stipulate to you that if you fail to properly complete any surveys, you will not be paid. Besides getting paid, you will also be eligible for more survey invitations this way, proving yourself reliable. And the larger the number of surveys you complete, the more money you will earn. Getting Best Online Paid Surveys is simple. This is an unrealistic approach as you can hope to earn money straight away but you cannot become a millionaire overnight, read on more about Best Online Paid Surveys. We can all start taking survey offers but only the people who find another way to locate the top notch websites will wind up making the cash they deserve. Also see Paid Consumer Surveys In Westchester. You do need to do your research to find the best survey directory company.

Once data is collected, it must be applied effectively. Such data can be used to revamp your current marketing strategy or be used as research for your next campaign. Data will be precise if your surveys have been effectively created right from the start. Read on to find out more about Best Online Paid Surveys. Focus groups are groups that you participate in that focus on a specific product. Find out more about Best Online Paid Surveys and Paid Consumer Surveys In Westchester. Of course it could be argued that you usually won’t get any monetary rewards for your efforts but the surveys involved in this type of payment often are very simple with only one or two questions and no research.
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Step # 2 will deal with what you can actually use to pin point the best paid survey sites to join. More about Best Online Paid Surveys and Paid Consumer Surveys In Westchester at our website. Get all the info on Best Online Paid Surveys from our homepage. If you and all the others taking the survey seem to like the product they will release it. Get paid survey network list absolutely FREE from our website! Absolutely no charge for joining the industry’s TOP 7 paying survey networks from www.top-paidsurveys.org

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Reducing debt usually isn’t a high priority for people until they have already gotten into trouble with overspending. Using a few basic guidelines, and debt calculations, can help you see when your debt load is getting into the danger zone.

Budgeting Guidelines

Creditors use budgeting guidelines when reviewing and approving credit. If your debt exceeds the financial communities recommended guidelines, then you have a higher risk of credit applications being denied.

Getting, and keeping, your debt in line with recommended budgeting guidelines, is an important step in debt reduction.

Use the following recommended budgeting guidelines (the same ones used by Financial Institutions) to review the items in your budget:

1. Housing 35% - Mortgage or rent, taxes, repairs, improvements, insurance, and utilities;

2. Transportation 20% - Monthly payments, gas, oil, repairs, insurance, parking & public transportation;

3. Debt 15%* - Credit cards, personal loans, student loans & other debt payments;

4. All other expenses 20% - Food, insurance, prescriptions, doctor & dentist bills, clothing & personal;

5. Investments & Savings 10% - Stocks, bonds, cash reserves, retirement, rental real estate, art, etc.

Debt Income Ratios

The second step is calculating your debt income ratio. Once you know what your ratio is, you will understand just how important debt load is to your overall financial picture. Your debt income ratio is the percent of your monthly take-home pay that goes to paying debts.

You calculate it by taking the amount needed to repay debts each month, including rent or mortgage, and divide by your take-home pay (your net pay after taxes). Remember, this is “Debt” ratio, so only include actual debt repayment in the calculation.

Credit To Debt Ratio

Just because you pay off a credit card is no reason to close your account. One little known fact about the Credit to Debt Ratio is the reverse effect it has on your credit score. If you pay off a credit card, and close the account, you are actually negatively impacting your credit score.

The reason for this negative effect is in the calculation of the Credit to Debt Ratio itself. This ratio is the relationship of your debt total vs. your credit limit.

You calculate it by dividing the total credit limit of all credit cards and loan accounts by the total of the actual debt (spent total). Now, if you pay off a credit card, you are reducing the actual debt, which is great, but, if you close the account, you are also dramatically reducing the credit limit you have, and usually by a higher percentage than the debt reduction.

Pay Yourself First

Essential to long-term financial success, and protecting your future, is paying yourself first. While this may seem easy to do, it happens to be the last thing most people do, instead of first. Debts and other financial obligations, money for entertainment, and other spending always seem to take a higher priority. All I can say is, STOP! Think about it, if you aren’t worth being paid first, then who is? Always put something away in your savings, and leave it alone. It doesn’t matter if it’s only $5 a week, just do it!

Snowball The Credit Cards

Last, but not least, is making extra payments, not just the minimum payments, on your credit cards. You have probably already seen this many times, but it just can’t be stressed enough. Paying just $10 extra a month on a credit card, above the minimum required payment, can cut your repayment term in half, if not more! So, squeeze out that extra payment, however small, every month, and take advantage of the compounding effect of snowballing your debt away.

The Power of Financial Knowledge

Remember, you don’t have to be a financial whiz to understand what’s going on with your credit and debt. Just a few simple calculations, and an eye on the future, will go a long way to help you succeed financially and keep your debt under control. Be safe, be smart, do the math!

Related articles:

Compare the pros and cons of debt consolidation loans, service companies, and credit counseling.

http://www.debtsteps.com/consolidate-debts.html

Understanding how your credit score can affect your debt relief choice

http://www.debtsteps.com/credit-score.html

Copyright 2004 DebtSteps.com, all rights reserved. Reprinted with permission.

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Publication is permitted so long as the resource information at the end of the article remains intact, and links are live..

Please email articles “AT” debtsteps.com providing a link to the location of the article, or a copy of the newsletter.

About The Author

Debs is the editor of www.DebtSteps.com where you can get the answers you need about debt relief, consolidation, credit counseling and more. Free subscrption and money management worksheets http://www.debtsteps.com/debt-help.html

More and more webmasters with sophisticate programming skills are using customize programming script to automate their work for maintaining websites content and driving traffics to websites. As clearly as you can notice, increasing numbers of improved programming scripts are in the market right now that look just like an-office-in-a-box. Talk about the magic touch with just a few clicks, these scripts are designed for non-programmers and are highly beneficial for marketers who wants make their online marketing go viral.

This method has been developed in the past few years and it has been improving throughout the years. Many success stories have spawned from this traffic driven method, which make use of the tendency of visitors to share contents that are informative, useful, entertaining or amazing.

This form of marketing strategy is typically low cost or even free to use it. Most people find it amazing because it leverages the work from visitors, never the hard work of webmaster alone. All websites would greatly benefit from viral marketing strategy.

Introducing - the lengendary ‘tell a friend script’.

This is an easy viral marketing method for web marketers. It is a very simple programming script that any online marketer can install it at any websites in less than 5 minutes. Visitors can now easily send email message to their friends, sharing what great information they have found.

The basic feature of a ‘tell a friend script’ is wherein a visitor may insert name, email address and friends’ email addresses. When friends receive the email, they wouldn’t consider it a spam because the sender is a friend they know and trust. With 0% chance of blocking such email sent by friend they knew, this allows a wider spreading of this marketing method.

There are many sites that provide free ‘tell a friend script’, which you can download them at http://www.hotscripts.com/PHP/Scripts_and_Programs/Site_Recommendation/index.html. In fact, there are over hundreds of such scripts to be used for free. But to achieve the dynamic traffic driven effect, putting up unique and original content in the website is still the golden key for this method to work. There’s no shortcut to this method, it all depends on the hard work you spend on putting up great and useful content for your dear visitors.

Surely enough, if you have great content in your website, tell a friend script will boost up the traffics to your website.

Edwin Lim is a freelance copywriter living in Malaysia. You can visit his Website at www.webblogerz.com

Article Submission done by: www.articles-submit.com

Courtesy of:101Articles.com

There is such an assortment of bait that it is difficult to recommend any particular color, size, or type as the best. There are more than a thousand good baits on the market. All will catch fish at some time or another.

Fishing baits usually weigh from to an ounce to three ounces. The most popular weight preferred by the majority of bait casters is the 5/8-ounce bait, while the average is between and 3 quarters of an ounce. Baits can either be used as a whole or cut into chunks. Anglers can also use dead or live baits.

The Different Types of Bait

There is a wide array of organisms being used as fishing baits. Among the different types used in fishing, the commonly used are the small fishes. These consist of widely used fishing baits such as herring, anchovies, menhaden, and some others that are inborn to certain local waters. Larger fishes are usually used as chunk baits.

Fishing baits can be used whole, chunk, and strips, based on the activities of the type of fishes being chased. The size of the fishing bait is usually well matched with the size of the fish being hunted. Other common organisms used for bait fishing are crabs, worms, shrimps, crabs, clams, sand fleas, eels, and squid. Among all of the organisms mentioned, the crabs and the shrimps are the well-liked organisms to be used as fishing baits.

Shrimp are favorably used as fishing bait and are considered to be very valuable bait for a huge number of saltwater fish, especially those that are considered “inshore fish” like redfish, speckled trout, shook, and a lot more.

Whereas, various crab species, especially the fiddler crab, sand flea, and the blue crab, are perfect fishing baits for many varieties of “inshore fishes” and “bottom fish.” These crabs are usually clasped through their shell, usually on either the right or left of the head.

How to Acquire Fishing Bait?

Fishermen can acquire fishing bait either buying them in bait shops or simply by capturing it themselves.

The advantage of buying fishing bait is convenience, while catching live fishing bait is less expensive and can be more effective in luring fish. Digging for earthworms is another activity. Earthworms make an excellent bait.

Indeed, when it comes to bait fishing, using the proper fishing bait are important and imperative to the success of fishing. Hence, anglers should know the basics of choosing fishing baits in order to save time and money.

Travis Clemens is a life time fisherman and he knows the ins and outs of gettinem on the hook! You too can gettem on the hook with Travis as your guide! www.best-fishing-tips.com

When most people think of debt consolidation, they think of debt consolidation loans. However, there are four main types of debt consolidation. The one thing that they all have in common is that you have some way of rolling all of your smaller debts into one larger debt. You can carefully evaluate your situation to determine which type of debt consolidation might be best for you.

• Debt consolidation loan. This is when you take out one big loan in order to pay off several smaller loans. This type of debt consolidation can save you money by lowering your payments each month, and by helping you find a lower interest rate for your payments.

• Credit counseling. When you consolidate debts this way, you use a third party to help you consolidate your debts. You do not take out a loan. Instead, the consumer credit counselor has you make one payment each month (usually lower than the sum of your current payments) to the counselor, and then the counselor distributes payment to your debtors. Most credit counselors have agreements with creditors to lower interest rates on such debts, so you can save money in interest charges.

• Bankruptcy. This is a somewhat surprising addition to the list. However, it really is a sort of debt consolidation. Especially with the rules introduced in 2005, you will definitely be paying back some part of your loans, although you might not have to pay back all of it. Usually the court assigns someone to oversee the distribution of payments, so make a regular payment to the court appointee, who then pays the required installments to your creditors.

• Debt negotiation. Properly, this is not actually debt consolidation. However, when you use a third party, it works like debt consolidation. The third party negotiates with your creditors, agreeing to pay back a certain amount of what is owed. While this is happening, you make a regular payment into an account set up by the debt negotiator. As each of your creditors settles, the debt negotiator pays the company off with money from the account.

There are drawbacks to each of these methods, in addition to advantages. However, if you need serious help with your debts, one of these methods of debt consolidation will probably work for you. But be sure to go through all of the pros and cons before making your decision.

As a result of the Bankruptcy Abuse and Consumer Protection Act which was passed in early 2005, filing for bankruptcy has become difficult, time consuming and expensive. However, because of the tax deduction benefits and the fact that housing prices have skyrocketed in recent years, the home equity loan (second mortgage) has become an increasingly popular way for consumers to borrow money for debt consolidation purposes, especially with the continued increases in interest rates on credit cards.

The average household now has nearly $10,000 in credit card debt, and borrowing against the equity of your house can provide much-needed relief with lower payments, as well as a tax deduction that could equal 100% of the interest you pay on your loansomething that credit card and other non-mortgage debts can’t offer. Second mortgage loans can also be used to refinance high rate loans like auto loans and bad credit student loans, as well as variable rate loans. Second mortgages are fixed mortgage rate loans that generally have lower rates than many other loans, and financial planning is easier because the payments remain predictable.

The main thing to remember is that second mortgages are secured loans. The Federal Trade Commission warns, “Remember that these loans require you to put up your home as collateral. If you can’t make the payments–or if your payments are late–you could lose your home.”

While second mortgages are also popular for home improvements, home construction, buying a vacation home, and for freeing up funds for investments or continuing education, it’s probably to first work on getting your debts under control. Then, when you are in a better financial position, you may consider mortgage refinancing to consolidate your first and second mortgage loans and free up cash for other purposes.

Why do we do it? Some people come to party. For some of us it is definitely the need, or desire, for the meat of the salmon itself. Others pursue them for the challenge of catching one using various types of bait and tackle. Another type of fishermanuses the pursuit of the fall salmon as an excuse to be in the fall outdoors with the fresh air; the beautiful scenery; and close friends and family.
The first type of fisherman is usually outfitted with heavy rods, line,hooks, booze, and sometimes fireworks; and can usually be found fishing below the dam at all hours of the day and night. They setup their “camp” with lanterns and inflatable rafts for their gear. I rarely see them leave the river, even the ones who bring a large amount of beer as part of the gear. I guess they either hold it in or fall in the river to clean out their waders. After having filled my waders with river water twice this year, due to stupid missteps, I have no desire to do it myself, but I guess if your drunk enough the temperature won’t bother you. And yes, I did say fireworks, it wasn’t a typo. I saw it myself this year complete with “oohs” and “aahs.” What can I say; these people are there to party.
The second type of fisherman is outfitted similarly to the first type, with the exception of the booze. They usually shake their heads at the party animals and mutter under their breath. You can sometimes see the two groups clash at the dam when their lines entangle and each one tries to get the other to let out line. This usually results in someone screaming profanities as their line gets cut by the other guy.
The third type of fisherman is usually armed with lighter, more specialized gear. Some people fish with long spindly noodle rods and light line that is tipped with a small morsel of salmon eggs to entice the fish into biting when it really isn’t hungry. Some fish with various sizes of fly rods and use chuck-n-duck rigs tipped with spawn or flies; or fish wet flies or streamers. Yet others fish with spinning rods tipped with spinners, spoons, chuck-n-duck rigs, or float rigs tipped with spawn or jigs. Some of these people are actually targeting Steelhead that follow the Salmon up the rivers during their spawning run. You will probably start to see more Steelhead fisherman in the rivers as the fall progresses into winter. The other thing about this type of fisherman is that they often look for little known places to fish. That is what makes them so valuable to know.
The fourth type of fisherman can sometimes be confused with the third type, but there are some differences. The third type brings along equipment for comfort as well as fishing. They usually are accompanied by several other people and can be seen fishing in a group. They usually setup “camp” and have a few camp chairs, a small campfire made out of downed timber, maybe some marshmallows or hotdogs, and a few kids fishing. Don’t get me wrong, these people are here to fish, but they are also here to enjoy the outdoors and each other’s company. You can often spot them pausing with cameras to take pictures of the scenery and each other as they fish, because they are actually there after the memories more than the fish. This group also has the common desire with type three fishermen to get away from the large crowds by finding obscure spots to fish.
I guess you could say I fall into the last three categories. This year I have taken two trips so far. The first trip was a hardcore fishing trip with more time spent in the water than out and I had two fish as a result. My second trip was with family and was more about having a good time than fishing, although we did spend a great deal of time doing that. Sometimes it pays off as well; we found a spot that gave up a total of five fish for all the family, which is plenty for the year. If I can go again I think I will try to be the third type of fisherman and concentrate on perfecting one technique.
I guess there is room for all of us on the water in the fall as long as we are considerate. One disturbing trend is the yearly increase in the amount of trash near Tippy Dam and the other popular fishing spots. I’m beginning to think the DNR could make as much money, if not more, by handing out littering tickets instead of snagging tickets.

http://www.michfish.com MichFish.com Home of interactive fishing diary and searchable Michigan Lake Maps