Re: Tying stern-to to shore
Some great advice above. Although it wont apply to lakes you also need to watch your stern line as the tide goes out. Failure to readjust will pull you closer to shore. Note the line running to shore in Jack's picture and the slack (straight down) anchor line on the white boat on the left. If your stern line is to tight you get pulled back to the shore and end up looking like the boat on the right.
In Jack's picture it looks to me like the red boat is the one tied off and the white one dropped its hook as a safety when they rafted. I think I would have tied off the larger boat.