When ever you are spending the night in the great outdoors it is important that you have either a sleeping bag or air bed that will provide you with a comfortable nights sleep. Fortunately, there are some great sleeping bags and air beds that are available on the market today.
The popularity of outdoor camping is increasing day by day as a result of which more people are now interested in hiking and camping. For this reason you have to be well equipped with the right outdoor gear and the type of the outdoor camping gear depends on the area where you are going for camping. The different utilities required include tables, sleeping bags, stoves, chairs, water container, fuel cans and many others.
If you are going for a trekking it would be better if you take less equipments so that the load can be reduced, but make sure that you take all the necessary items.
Some air beds on the market will feature the Insta-flex is the perfect sleeping system that is great for any situation. Some air beds will inflate to the size that measures eighty by sixty by twenty-two inches, so you have plenty of room to stretch out. If you are outfitting your family tent with the best in modern creature comforts, then an air bed or sleeping bag is the only way to go.
Many air beds gives you the option of raising the bed up in to an incline. And for those of you that can not seem to keep the pump with the air bed, the problem can be solved with air beds that have their very own AC pump.
Comfort is not an issue when sleeping on an air bed, because they are roughly the same height as a standard queen-size bed so it is a lot easier to get in and out of for older folks than your standard air bed. Some air beds that are on the market have a "flocked" top, which allows you to put sheets on it without them slipping off. These air beds are comfortable, easy to set up, and can be packed away in a closet when not in use.
With spring just around the corner, many campers have been busy dusting off the old camping gear and scrubbing out last year's leftovers from their cast-iron cookware. Usually, this is a joyous occasion where I sort through my cabinet full of camping gear and reminisce about the good camping trips I had the previous year.
Some sleeping bags on the market use thermolite as insulation, which make the sleeping bags built to handle everything from the site camper to the backpacker. Most of the materials that sleeping bags are made out of are very comfortable and their outer skin and liner are some times constructed out of two hundred twenty-seven nylon diamond rip stop.
When sleeping bags are stuffed into their sacks, they are very compact and makes for a good bag for backpackers that need all the space they can get. Out of their storage sacks, many will form a mummy-style bag perfect for campers of all genders and ages. Most sleeping bags will measure thirty-two inches by eighty-two inches, but there are a lot of different sizes of campers will find it comfortable, which weigh nearly three pounds when stored away in their protective sacks.
Happy Holidays to all
Happy Holidays to all. I hope you all have a great Holiday and are thankful for everything you have. I am eating Dove Chocolates and two of the wrappers say "Joy is contagious" and "Miracles aren't limited to the holidays. How true those two statements are. I know some people may be alone today and missing people in their lives, but they should know that in spirit their are many people who care about them and wish they could all be together. Daily I pray for so many people, from family to friends. I hope 2009 brings even more happiness to everyone. Here is something a good friend of mine sent to me;
Subject: PRAYER
>
> Just wanted to tell everyone that I am so grateful
> to have each of you
> in my life. It was difficult for me to decide who I
> thought would DO
> this because many people claim to pray, but not
> everyone does. I hope
> I chose the right twelve. Please send this back to
> me (You'll see
> why).
> May everyone who received this message be blessed.
> There are 12 months/ 12 disciples/ 12 tribes of
> Israel / Jesus'
> birth celebrated in the 12th month. There is nothing
> attached. Just
> send this to twelve others. Prayer is one of the
> best free gifts we
> receive. There is no cost, just a lot of reward.
> Make sure you pray,
> and pray believing God will answer.
> May today be all you need it to be. May the peace of
> God and the
> freshness of the Holy Spirit rest in your thoughts,
> rule in y our dreams
> tonight, and conquer all your fears. May God
> manifest himself today in
> ways you have never experienced. May your joys be
> fulfilled, your
> dreams be closer, and your prayers be answered. I
> pray that faith
> enters a new height for you; I pray that your
> territory is enlarged.
> I pray for peace, healing, health, happiness,
> prosperity, joy, true and
> undying love for God.
Source: Unknown
Positive thoughts do wonders
Remember it is better to think of positive thoughts than negative ones. Remember their is probably a lot more people out there that has it worst than you do. I know two days ago in the town I live in there are over 100 people who lost their homes due to a fire, they lost everything. Most spent the night in a local High School.
No Need to worry about things upcoming
A quote I like is "Worrying Is like a rocking chair, it is something to do but doesn't get you anywhere. I say no need to worry about things, God is on our side. Things seem to always work out. Yes, we all have bumps in the road, some seem like huge pot holes, but yet we find a smooth road ahead.
Surround yourself with Positive people
I know everyone has down days at time to time, but those that are always down. The ones I have tried to help but don't want to see the good in life. I move on, I want people in my life who want to live and see the good in life. I want to be around people who believe in me and my dreams. I will not be around people who don't believe in me or my ventures. I may sound like a tough stance to take but in the long run you will see how much happier you can be.
Dreams and Goals
Yes, I believe in having dreams and goals. I shoot for the stars all the time. If not I could sit on my couch and watch TV and have a same routine everyday. But I find my self experiencing so much by taking risks, having dreams and goals. Yes I may not hit them 100% as what I started out for but I know I am better off than if I did not shoot for something. Like bowling, I shoot to have three 300 games every night I bowl. If I miss it I know I normally I am way above average on my scores, and some day who knows. Anything is possible.
I do hope everyone has a great day today. I hope everyone has their dreams come true. Let me know your thoughts and ideas and Have a great day.
Subject: PRAYER
>
> Just wanted to tell everyone that I am so grateful
> to have each of you
> in my life. It was difficult for me to decide who I
> thought would DO
> this because many people claim to pray, but not
> everyone does. I hope
> I chose the right twelve. Please send this back to
> me (You'll see
> why).
> May everyone who received this message be blessed.
> There are 12 months/ 12 disciples/ 12 tribes of
> Israel / Jesus'
> birth celebrated in the 12th month. There is nothing
> attached. Just
> send this to twelve others. Prayer is one of the
> best free gifts we
> receive. There is no cost, just a lot of reward.
> Make sure you pray,
> and pray believing God will answer.
> May today be all you need it to be. May the peace of
> God and the
> freshness of the Holy Spirit rest in your thoughts,
> rule in y our dreams
> tonight, and conquer all your fears. May God
> manifest himself today in
> ways you have never experienced. May your joys be
> fulfilled, your
> dreams be closer, and your prayers be answered. I
> pray that faith
> enters a new height for you; I pray that your
> territory is enlarged.
> I pray for peace, healing, health, happiness,
> prosperity, joy, true and
> undying love for God.
Source: Unknown
Positive thoughts do wonders
Remember it is better to think of positive thoughts than negative ones. Remember their is probably a lot more people out there that has it worst than you do. I know two days ago in the town I live in there are over 100 people who lost their homes due to a fire, they lost everything. Most spent the night in a local High School.
No Need to worry about things upcoming
A quote I like is "Worrying Is like a rocking chair, it is something to do but doesn't get you anywhere. I say no need to worry about things, God is on our side. Things seem to always work out. Yes, we all have bumps in the road, some seem like huge pot holes, but yet we find a smooth road ahead.
Surround yourself with Positive people
I know everyone has down days at time to time, but those that are always down. The ones I have tried to help but don't want to see the good in life. I move on, I want people in my life who want to live and see the good in life. I want to be around people who believe in me and my dreams. I will not be around people who don't believe in me or my ventures. I may sound like a tough stance to take but in the long run you will see how much happier you can be.
Dreams and Goals
Yes, I believe in having dreams and goals. I shoot for the stars all the time. If not I could sit on my couch and watch TV and have a same routine everyday. But I find my self experiencing so much by taking risks, having dreams and goals. Yes I may not hit them 100% as what I started out for but I know I am better off than if I did not shoot for something. Like bowling, I shoot to have three 300 games every night I bowl. If I miss it I know I normally I am way above average on my scores, and some day who knows. Anything is possible.
I do hope everyone has a great day today. I hope everyone has their dreams come true. Let me know your thoughts and ideas and Have a great day.
Here’s what happens when payday loans are banned
Each week, In Theory takes on a big idea in the news and explores it from a range of perspectives. This week we’re talking about payday lending. Need a primer? Catch up here.
Deyanira Del Rio is co-director of New Economy Project in New York. Andy Morrison is campaigns coordinator at New Economy Project.
Imagine a land with no payday loans. Flashing neon signs advertising “Fast Cash” no longer dot the landscape in low-income neighborhoods and communities of color, and nary a lender is permitted to extract interest rates of 400 percent and up. This is not a far-fetched fairy tale or some long-forgotten history. It was the reality across most of the United States until the 1990s, when financial deregulation and the gutting of state usury laws enabled the payday lending industry to proliferate.
Today, 14 states and the District are essentially payday-loan-free, thanks to strong usury laws that cap interest rates on loans. It’s a swath of the country we have dubbed PaydayFreeLandia representing 90 million Americans, or about one-third of the U.S. population. Experiences in these diverse states belie the notion that usurious, short-term loans are a necessary evil. In fact, these states have demonstrated that the best way to address abusive payday lending is to end it once and for all.
[Want to eliminate payday lending? Raise the minimum wage.]
The benefits of residing in PaydayFreeLandia are vast. Thanks to our payday lending ban, New Yorkers preserve nearly $790 million each year that payday lenders and their ilk would otherwise siphon in fees. Across all payday-loan-free states, annual savings exceed $3.5 billion — an estimate that does not even include bank overdraft fees triggered by payday loans or funds drained by abusive debt collection and other economic fallout from payday loans.
While some states, like New York, have always banned payday loans, others have temporarily allowed — and then firmly rejected — payday lending. In 2006, North Carolina became the first state to rid itself of payday lending after previously legalizing it. In Arizona and Montana, payday lenders operated for years until voters had the opportunity to evict them at the ballot box.
We reject the dangerous myth that payday lending must be preserved and simply made less predatory. The notion that people somehow need usurious, short-term loans dominates too much of the payday lending debate and is flatly contradicted by former payday loan borrowers themselves, who report being better off after their states eliminated these debt traps. Similarly, the federal government enacted — and subsequently strengthened — a nationwide interest rate cap of 36 percent for military personnel and their families after determining that predatory lending was harming borrowers, and even undermining military readiness.
If eradicating payday loans is good for these borrowers, shouldn’t all Americans benefit from similar protections?
The Consumer Financial Protection Bureau is finalizing a long-awaited federal rule on payday loans. Although the CFPB lacks jurisdiction to set a federal usury cap, it must use its full authority to issue a strong final rule that ends abusive payday lending once and for all. At a minimum, the watchdog agency must require lenders to determine whether borrowers can afford to repay loans — without exceptions or safe harbors. That common-sense underwriting is even cause for debate, in 2016, shows how deeply payday lenders have warped our political discourse.
[The problem is bigger than payday loans]
Legislators also must act. Sound public policy would shore up and expand responsible lending by community development financial institutions based in low-income neighborhoods and communities of color to serve as an antidote to predatory lending. Fundamentally, payday lending thrives because so many people are struggling to make ends meet. Living wage laws and a host of other measures are needed to address root causes of economic insecurity and inequality.
The stakes could not be higher — certainly for low-income families in states where payday lending is currently unchecked, but also for the 90 million people who live in PaydayFreeLandia. In New York, civil rights and fair lending groups have battled aggressive attempts by check cashers and others to gut our state’s usury law and open the floodgates to payday lending. These fights have for years drained massive public resources and required tireless advocacy by broad-based coalitions — sapping energy and resources that should have gone toward devising policies and programs that advance economic opportunity and justice.
A weak CFPB rule would embolden industry actors that seek to break into payday-loan-free states. Indeed, lobbyists in Pennsylvania have already seized on loopholes in the proposed payday lending rule to claim, disingenuously, that the CFPB has given its stamp of approval to payday-like loans.
Given the ubiquity of payday lending storefronts in many parts of the country today, it’s worth remembering that this industry did not actually exist until relatively recently. The country’s decades-long experience with payday lending has proved to be a costly failure. It’s time to reset the clock. Long live PaydayFreeLandia.
Deyanira Del Rio is co-director of New Economy Project in New York. Andy Morrison is campaigns coordinator at New Economy Project.
Imagine a land with no payday loans. Flashing neon signs advertising “Fast Cash” no longer dot the landscape in low-income neighborhoods and communities of color, and nary a lender is permitted to extract interest rates of 400 percent and up. This is not a far-fetched fairy tale or some long-forgotten history. It was the reality across most of the United States until the 1990s, when financial deregulation and the gutting of state usury laws enabled the payday lending industry to proliferate.
Today, 14 states and the District are essentially payday-loan-free, thanks to strong usury laws that cap interest rates on loans. It’s a swath of the country we have dubbed PaydayFreeLandia representing 90 million Americans, or about one-third of the U.S. population. Experiences in these diverse states belie the notion that usurious, short-term loans are a necessary evil. In fact, these states have demonstrated that the best way to address abusive payday lending is to end it once and for all.
[Want to eliminate payday lending? Raise the minimum wage.]
The benefits of residing in PaydayFreeLandia are vast. Thanks to our payday lending ban, New Yorkers preserve nearly $790 million each year that payday lenders and their ilk would otherwise siphon in fees. Across all payday-loan-free states, annual savings exceed $3.5 billion — an estimate that does not even include bank overdraft fees triggered by payday loans or funds drained by abusive debt collection and other economic fallout from payday loans.
While some states, like New York, have always banned payday loans, others have temporarily allowed — and then firmly rejected — payday lending. In 2006, North Carolina became the first state to rid itself of payday lending after previously legalizing it. In Arizona and Montana, payday lenders operated for years until voters had the opportunity to evict them at the ballot box.
We reject the dangerous myth that payday lending must be preserved and simply made less predatory. The notion that people somehow need usurious, short-term loans dominates too much of the payday lending debate and is flatly contradicted by former payday loan borrowers themselves, who report being better off after their states eliminated these debt traps. Similarly, the federal government enacted — and subsequently strengthened — a nationwide interest rate cap of 36 percent for military personnel and their families after determining that predatory lending was harming borrowers, and even undermining military readiness.
If eradicating payday loans is good for these borrowers, shouldn’t all Americans benefit from similar protections?
The Consumer Financial Protection Bureau is finalizing a long-awaited federal rule on payday loans. Although the CFPB lacks jurisdiction to set a federal usury cap, it must use its full authority to issue a strong final rule that ends abusive payday lending once and for all. At a minimum, the watchdog agency must require lenders to determine whether borrowers can afford to repay loans — without exceptions or safe harbors. That common-sense underwriting is even cause for debate, in 2016, shows how deeply payday lenders have warped our political discourse.
[The problem is bigger than payday loans]
Legislators also must act. Sound public policy would shore up and expand responsible lending by community development financial institutions based in low-income neighborhoods and communities of color to serve as an antidote to predatory lending. Fundamentally, payday lending thrives because so many people are struggling to make ends meet. Living wage laws and a host of other measures are needed to address root causes of economic insecurity and inequality.
The stakes could not be higher — certainly for low-income families in states where payday lending is currently unchecked, but also for the 90 million people who live in PaydayFreeLandia. In New York, civil rights and fair lending groups have battled aggressive attempts by check cashers and others to gut our state’s usury law and open the floodgates to payday lending. These fights have for years drained massive public resources and required tireless advocacy by broad-based coalitions — sapping energy and resources that should have gone toward devising policies and programs that advance economic opportunity and justice.
A weak CFPB rule would embolden industry actors that seek to break into payday-loan-free states. Indeed, lobbyists in Pennsylvania have already seized on loopholes in the proposed payday lending rule to claim, disingenuously, that the CFPB has given its stamp of approval to payday-like loans.
Given the ubiquity of payday lending storefronts in many parts of the country today, it’s worth remembering that this industry did not actually exist until relatively recently. The country’s decades-long experience with payday lending has proved to be a costly failure. It’s time to reset the clock. Long live PaydayFreeLandia.
Subscribe to:
Posts (Atom)