Hiking at Joffre Lakes
  
I finally gave in and agreed to go on my first intensive hike over the August long weekend, and I'm proud to report that I made it out alive! No, but in all seriousness, it was well worth it.
This photo was taken at the second lake, and the waters were so amazingly blue. Believe it or not, but the third lake at the top is even more blue and with the glaciers in the background, it was breathtaking. I highly recommend you give this hike a try. There are some steep parts, but you forget about the pain after you reach the lakes. If a beginner like me can do it, anyone can!
Read what others are saying about Joffre Lakes on TripAdvisor
Some things you should know before getting a mortgage
The difference between bank and personal mortgage life insurance
The one thing I can say with confidence is the same thing between all my clients is the desire to purchase a home. I hear this from every single person I sit down with that one of their biggest goals in the next 10 years is to be able to purchase a place in Vancouver. Now, whether or not that can be a reality is a different story.
Regardless of your financial state, there are some basic things that a first time home buyer should know about getting a mortgage, from how you can qualify for one, how much you can qualify for, and the different options that are available.
Things you need to know before getting a mortgage
After you've got everything sorted out, and you've purchased a home and have your mortgage worked out, you need some life insurance protection on the balance. If you have a mortgage and don't have protection, it's something you should definitely think about. Note that there are very significant differences between lender mortgage insurance and personal life insurance. Not only do you have no control or real ownership when getting it through the lender, but in many cases, individuals have been denied coverage at claim time.
An example of a denied claim
Cheap travels: 10 countries you can visit on a college budget
We all know that living in Vancouver is expensive. Now add on the fact that you're living on a student's budget, or even if you've just entered the work force, our money doesn't go a long way here.
Other than your typical Vegas or Mexico trip, here are 10 countries you can visit on a very small budget. Well, let me rephrase that. Airfare might still be a little pricey since there's nothing we can really do about international flights, but once you get there, you can experience a lot for very little.
10 countries to visit if you are on a budget
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