I use a snap, but not a snap swivel. There is a difference. To me a snap swivel is way to bulkey. A snap is less bulky and to me does not seem to effect how the fish bite, and I actually think it improves the movement of most lures. I do not use it on any plastics, just hard baits and spinnerbaits. I always tie directly to the hook on any plastic bait. If you are using a snap swivel on your plastics that would be the first thing I would change. As far as where to fish. I guess I would want to know what the fish were doing in the spawning cycle. Are they spawning? If they are spawning they are going to be up close and by walking up to the shore you may be spooking them. My bank fishing has improved significantly by approaching spots that I want to fish by fishing them from the sides and walking parallel with the shore as I cast out in front of me along the shore (or parallel with the shore). Example: If I am looking parallel down the bank (lake on my right and land on my left) and 12 o'clock being where the water meets the shore, I will cast to 1 o'clock (about 1-4 ft out), 2 o'clock (5-10 ft out), and 3 o'clock (11-15 ft out). If I don't get anything I may try different lures, techniques, speeds, etc. I like to use a lure/bait that is slow, moderate and fast. (ex. senko, spinnerbait, and buzzbait/stanley ribbit or lipless crank) If I still don't get anything I move down 10-15 yards and start the process again. I may only spend 10-15 minutes or so in that one spot. It allows me to cover a lot more water and I have been much much more successful. I used to just walk up to a spot, fan cast and stay there for hours not catching a thing hoping the fish would "come in." Was not very successful. Actually this was something I learned last year by reading the forums and articles on this site and it made a huge difference. Of course there are always weather conditions, time of day, etc. that effect where the fish will be so keep reading and posting and hopefully you will get something that can help you go from fishing to catching. Welcome to the site and good luck.