ContentWhen you are hiking for multiple days or have planned a trip in advance, it is hard to know what the weather will be so it is important to be prepared for anything. Just a few easy tips can help you to stay warm and dry so that you can enjoy your hike, even in the rain!
First, always pack a pair of waterproof, nylon pants. You can pick up a pair at any outdoor or sporting goods store. Buy a pair that is one size bigger than you wear so that they can be layered over other clothing when it is cold. Choose a pair that comes with an elastic waistband and snaps around the bottom. Many also have the nice feature of folding up into a tiny pouch or fitting into the back pocket so that they store themselves. Always keep these pants with you on a hike so that if it starts to rain, you can quickly pull them on over your pants. Be sure that you pants are completely covered and then snap the bottoms tight around your boots.
Just like the pants, it is easy to find a waterproof nylon jacket to pull on over your clothes. Be sure that the jacket ends well below your waistline so that there is an overlap between the jacket and the pants.
You can tuck your shirt into the elastic band of the nylon pants and then let the jacket fall outside of the pants to ensure that all of your clothes stay dry. Finally, use a jacket with a hood that tightens with a drawstring. Draw the hood tightly closed around your face so that water does not drip in. As a final step, you can wear a hat with a visor under you hood to keep water off of your face.






The question, “Should I refinance my home mortgage?” is a question often posed by a growing number of people. We would rather hike through the Sierra Wilderness than think about refinancing our house. Home mortgages went from an all too prevalent tool applied by the finance industry to an almost extinct feature. Refinancing makes sense only after certain factors are in place to justify the costs involved in refinancing. Banks must charge you certain costs every time a mortgage loan is issued, such as an appraisal estimate of the value of your home, an inspection of your home, a clean title verification and underwriter fees.