stan

Most time when a fish finder quits, and the transducer is in one part.

Always check your battery, I have seen to many guys run out and spend hunders of dollars on a new fish finder. When all it was, was a weak battery. Try and replace your battery, with another to test

Well how do I start off.

( 1 ) post says ( army ) ain't ready to be a Marine yet.

Well in 1964-1965 1/3

1968-1969 3/5

1971 Tad to army for 71 days/ it sucked but good chow

So I hold a can of ham and lima beans high to the members of the corps. SEMPER FI to all of you

See Ray I thought we hand something in common . now stick that fish in the dishwasher

Just in case you fly guys know him , our team pilot was capt Mike Peterson, ring a bell ?

LONG LINE where at ?

JOHNBROWNT where at ?

There are only 2 who gave there life for you.

1. Jesus Christ for your sins

2. the American fighting man for your freedom

Semper Fi

I was a 0321 from 1964-1971

NO I just fished Lake Almanor, and that one it's ave depth was 40'

------------------------------------------

The Shasta Lake Trout Derby is on Shasta Lake , and it's over 300' depth.

this is my home lake and where I want to try the copper. The lake is 365 miles of shore line and the water is down 150' from crest as of today.

1st place $ 3,000.00

2nd place 2,000.00

3rd place 1,000.00

they pay all the way down to 25th.

over the last 7 years the ave weight to win was 10lbs

There will be two of us and that 4 rods. I thinking we will start, one on each downrigger and one off each planner to start , then switch into dipsy. Suface temp has been 73.6 And I use the depth raider to find that honey spot.Great tool

That hurt

are there any 0311 field guys on these boards

So I take it ,I just spent alot of money for nothing ? It's seems the brown trout guys like it for some reason. I know it gets a lot of bottom grass. But please guys , there must be something to it right ? Going to try off the planner board this week . I need a edge for this tournamnet on Oct 11th & 12th. I know the steel with a dipsy is one, and had great fishing with it...Little help here

Here on the west coast the sea lion have the right away. While Striper fishing in the delta, they will grab your catch the same way.Man you have a fight with a 1200 pound seal on the other end. It's almost like they are playing with you, just to see how mad you get

This is my wife's first brown. Gold flodger and a 6" white grand slam bucktail with a 214' set back off the planner board

Well after 2 years, the sky clouded up and strated to rain yesterday and is going to rain into late Saturday night. It's a start , hope it's not the last with our lakes in a world of hurt. My home town lake Of Shasta Lake is down 150'. On the good side it keeps the flatlanders away, but hey thats not nice right ?

SORRY GUYS I PUT THIS IN THE WRONG PLACE

Hey Rod thanks for the info.

They should make Clinton and his group pay for it. Read this and you will understand why.

Fannie Mae Eases Credit To Aid Mortgage Lending

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LinkedinDiggFacebookMixxYahoo! BuzzPermalinkBy STEVEN A. HOLMES

Published: September 30, 1999

In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders.

The action, which will begin as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring.

Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits.

In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than conventional loans.

''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.''

Demographic information on these borrowers is sketchy. But at least one study indicates that 18 percent of the loans in the subprime market went to black borrowers, compared to 5 per cent of loans in the conventional loan market.

In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980's.

''From the perspective of many people, including me, this is another thrift industry growing up around us,'' said Peter Wallison a resident fellow at the American Enterprise Institute. ''If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.''

Under Fannie Mae's pilot program, consumers who qualify can secure a mortgage with an interest rate one percentage point above that of a conventional, 30-year fixed rate mortgage of less than $240,000 -- a rate that currently averages about 7.76 per cent. If the borrower makes his or her monthly payments on time for two years, the one percentage point premium is dropped.

Fannie Mae, the nation's biggest underwriter of home mortgages, does not lend money directly to consumers. Instead, it purchases loans that banks make on what is called the secondary market. By expanding the type of loans that it will buy, Fannie Mae is hoping to spur banks to make more loans to people with less-than-stellar credit ratings.

Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority and low income home owners who tend to have worse credit ratings than non-Hispanic whites.

Home ownership has, in fact, exploded among minorities during the economic boom of the 1990's. The number of mortgages extended to Hispanic applicants jumped by 87.2 per cent from 1993 to 1998, according to Harvard University's Joint Center for Housing Studies. During that same period the number of African Americans who got mortgages to buy a home increased by 71.9 per cent and the number of Asian Americans by 46.3 per cent.

In contrast, the number of non-Hispanic whites who received loans for homes increased by 31.2 per cent.

Despite these gains, home ownership rates for minorities continue to lag behind non-Hispanic whites, in part because blacks and Hispanics in particular tend to have on average worse credit ratings.

In July, the Department of Housing and Urban Development proposed that by the year 2001, 50 percent of Fannie Mae's and Freddie Mac's portfolio be made up of loans to low and moderate-income borrowers. Last year, 44 percent of the loans Fannie Mae purchased were from these groups.

The change in policy also comes at the same time that HUD is investigating allegations of racial discrimination in the automated underwriting systems used by Fannie Mae and Freddie Mac to determine the credit-worthiness of credit applicants.

Glad to see the raiders , lose. But hey how about the 49ers. not bad for a new team 2-2 ..sorry guys just had to unload

A lot of guys that have diesel trucks think it's cool to let them run , while loading there boats. So the lights would saty on along with that noise they love to hear. :roll:

Do you all use the Cisci Kid lures by Suick for stripers ? They work great out here in California and in the carolina's

Come on Ray pull up your skirt and give it a go.

no one would ever know, now would they ? then you can report back if it was good. If it is not then don't post anything. I don't understand , why you don't think it will work. The dishwash puts out a lot of hot steam. I swear this is not a joke

Ray not the microwave. I swear, take a 3lb salmon and try it. I promise you will like it.

Do it and don't tell anyone what your doing. afterwards get back to me.

Now the copper I have not had a chance to use it yet. Lake Almanor was to full of grass and the deepest was 44' . But did manage to pick up a nice brown off the planner boards.

Friday I will hit it on Shasta Lake 320' no grass

Ray

No soap or pots and pans. Give it a try.It's just one fish

Then let me know what you think, It's a California thing

It would help, unles you like steamed guts :roll:

I have the mag 20's. once I had a switch go out. sent for the part , had it in a couple of days . Great service and the guy to talk to is Peter at cannon. this guy can answer any question you might have 1-800-227-6433

Thats a toad, man we don't get them that big out here. Keep up the great work

great pictures, thanks

Thanks for the pictures

Take one whole salmon, 10lbs

Garlic to taste

butter

lemon 1/4 sliced

wrap the salmon in tin foil 3 times. each time you wrap it , cover up the last open with a full cover.

Place in the dishwaher for 1 cycle

You can not get any better steamed fish

Well I just spent 3 days on Lake Almanor, hunting browns. We put spoons out , flies out and stick baits, with nothing, Used steel line , copper, downriggers, then the planner boards with a 50mm abu garcia , the wife had her brown. Everything I have learned from you guys has been great, fish count is up. Now with this copper , what is the proper way to hook it up after the line is on the reel ? please need some help