One thing to remember is, some lakes start their Fall pattern earlier or later than other lakes. So if you aren't catching much in the back 1/4, 1/2 or so, start at the mouth or first 1/4 of the creek/tributary and work your way in. If you don't catch any fish in the first 1/4 of the creek/tributary then most likely those fish are still offshore. Another thing to remember is that a lot of different baits will work this time of year, so don't be afraid to switch up baits every now and then.
"If people concentrated on the really important things in life, there'd be a shortage of fishing poles." - Doug Larson