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Families can experience nature together through outdoor activities such as camping and hiking. You will find endless opportunities to enjoy nature when you visit national and state parks. Camping trips that include sports such as whitewater rafting, kayaking, skiing, horseback riding, and rockclimbing can be a geat deal of fun.
Your camping trip will be safer and more enjoyable if you include plenty of drinking water, a first aid kit, and proper apparel, such as rain and wind gear. More clothing and protective gear are needed in the winter. Most of the national and state parks have excellent websites, where you can get information on hiking trails and available activities. Popular points of interest are described in travel books and park brochures. You will often find outfiitters in the area that offer rentals and excursions for the park you are visiting. You can take hiking trails through the park to see the natural beauty that is offered.
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You should be prepared for the weather when hiking by bringing along a daypack with water, a rain/wind jacket, a jacket or sweater, a first aid kit and some snacks, and a good pair hiking boots are essential. You are likely to see wildlife such as bears, mountain lions, deer, moose, wolves, and bighorn sheep, and it is important to know what to do if you encounter them. Workamping allows campers to trade their labor for a free campsite, and sometimes for utilities and additional pay. Most National and State Parks allow biking on the paved and backcountry dirt roads throughout the parks, but not on hiking trails. Look for bike trails in the areas where you will be camping. Gravel roads are found throughout many of the parks and are designated for horseback riding, which can be an enjoyable way to spend your time. River rafting excursions are offered in many of the national parks and provide a great opporunity to enjoy whitewater rafting and see incredible scenery in the backcountry. The many beautiful lakes found in most of the parks give you an opportunity for kayaking, with access to remote areas that might not be able to be seen otherwise. Many visitors to the parks spend their time doing exciting sports such as rock climbing, mountaineering, and cross country skiing. National and state parks offer great opportunities for wonderful family vacations with such a variety of scenery and outdoor activities.
Lastly on a related note. A chuck box to hold the many varied camp kitchen items for food preparation, consumption and cleanup. Also on another related note. Unlike more traditional "walk in" camping or backpacking, car camping allows you to bring more equipment, and focus on enjoying the site, cook-outs, day hikes, and other outdoor activities.
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1. On Time Every Time
Think one late payment won't hurt? Think paying a day late can't harm your credit card situation? Think again. One late payment and your credit card company can hit you with the "universal default" rate (usually about 30 percent) instead of the great rate you signed up for.
Even if you don't get hit with a higher interest rate as punishment for that late payment, you will end up paying a late fee. Unless you want to pay $30 because you paid your credit card a day late, I suggest paying on time every time.
2. Read The ToS
The ToS (Terms of Service) that is sent with your credit card is not simply paper padding to protect the thin piece of plastic as it goes through the mail. It's actually important reading. It tells you what your grace period is, what your interest rate is, what the default interest rate is and other important information.
It's a pain in the rear. The print is small and the material isn't exactly exciting, but you are obligated to read these Terms of Service. The minute you use your credit card, you are agreeing to them. Technically, the ToS can say "you give us the right to your first born child" and if you didn't read them, you'd never know.
3. Stay True
Jumping from one card to another to take advantage of their teaser rates may sound like a good idea, but if you close accounts once you do so you're actually hurting your credit rating. Part of your credit score is determined by the length of the relationships you have with your creditors. If you're maxing your credit card relationships out at six months, your score is going to take a hit.
4. All or Nothing
A credit limit is not a license to spend. If you have a credit limit of $5,000 it doesn't mean you should go out and max out your card. Only spend as much as you can pay off in any given month. If you can't pay your bill in full at the end of the month, you're going to be paying interest and that's not a good thing. Bottom line - don't charge more than you can pay off unless it's a dire emergency.
5. Know Your Cards
Almost all credit cards come with some type of perk. Whether it's as basic as online account management or as extravagant as 24/7 concierge service, know exactly what your credit card offers and take advantage of these perks.
And there you have it... Five credit card rules to live by. The credit card game can be a confusing one, and many have played and failed. Fortunately, many more have played to win. Put yourself in the winner's circle by playing by these five credit card rules.
Both Ken Hornbrook & Sean Masterson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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