Joe Mac

Dreaming of owning your first home in the beautiful landscapes of Kelowna or West Kelowna, BC? The First Home Savings Account (FHSA) might just be your ticket to making that dream a reality in the vibrant BC real estate market! Here's how: What is the FHSA? The FHSA is a special savings account for Canadians aiming to buy their first home in places like Kelowna or West Kelowna: •Tax Benefits: Like an RRSP, your contributions are tax-deductible. Like a TFSA, your investment growth and withdrawals for home purchases are tax-free. Who Can Open an FHSA? •You're over 18 but not yet 72, a resident of Canada and a first-time home buyer, perfect for those looking into Kelowna and West Kelowna real estate. Why FHSA is a Game-Changer for BC Real Estate: 1. Smart Saving for Kelowna & West Kelowna Homes: •Contribution Limits: Save up to $8,000 annually, with a $40,000 lifetime cap. Unused contributions can roll over, maximizing your savings for that perfect BC property. 2. Invest and Grow Without Tax: •Whether your money's in mutual funds, stocks or savings, it grows tax-free if used for your first home in Kelowna or West Kelowna. 3. Flexibility in Real Estate Planning: •No rush with your FHSA; you've got 15 years, or transfer to an RRSP/RRIF without tax penalties, keeping your BC real estate options open. Maximizing Your FHSA for Kelowna and West Kelowna Real Estate: •Start Now: The earlier you begin, the more you accumulate, essential for the competitive Kelowna and West Kelowna real estate markets. •Plan for Flexibility: If homeownership in BC isn't immediate, your savings can transition smoothly into retirement funds. The FHSA perfectly positions you in the Kelowna and West Kelowna, BC real estate scene, blending smart savings with tax efficiency. Start your FHSA journey today and step closer to unlocking homeownership in one of Canada's most sought-after regions.

🇨🇦 Domestic: Charter Absolute: For free speech and civil liberties. No "balancing" away our rights. Free Markets: Cost-benefit analysis for every policy. No exceptions. Tight Immigration: Focus on economic contribution, not social engineering. Anti-Bully: Aggressive against anyone trying to silence dissent. 🌍 Global: Peace Through Strength: Strength is the only thing that deters dictators. Anti-Islamist: Unapologetic defense of Western values. Free Iran, not Free Palestine: Stand with the people of Iran fighting for liberty; zero sympathy for Islamist proxies. Canada First, not America Last: Our sovereignty is the priority, but our alliance with the US is the bedrock of our security and economy. Sovereignty: Contemptuous of "international law" that undermines Canadian interests. Free Cuba: Freedom for the island, full stop. I’m a Blue Tory who believes the West is worth defending. If that makes me an outlier, so be it. 🇨🇦💪 #cdnpoly #Okanagan #CommonSense

The actual industries with the highest failure rates are: Transportation and Warehousing: 24.8% failure rate in Year 1. Mining, Quarrying, and Oil and Gas Extraction: 24.4% failure rate in Year 1. (This sector has the highest long-term failure rate, reaching 75.5% by Year 10). Information (Technology and Media): 24.1% failure rate in Year 1 (70.9% by Year 10).

Businesses with the Highest Failure Rates : 1. Hotels (90%) 2. Gyms (81%) 3. Restaurants (80%) 4. Construction (70%) 4. ...show more

Update: 95+ mins on hold. Found out the initial Tier 1 tech sent me to the WRONG department, adding 45 mins of unnecessary wait time. I am a business client with 21 days of zero data. Stop the transfers. I need a Technical Manager for my breached NOC tickets C211653311 & C211654964 NOW. #RogersDown #CCTS @RogersHelp

@joemac80 We're sorry to hear this has been such an ordeal getting your services working as they should be. Sounds like you are likely holding for a technical manager and we hope your call is answered shortly. Sorry for the inconvenience this has caused you. -^rm

@RogersHelps 21 days of 'Bars but no Data' in Kelowna. Real estate business at a standstill. Tickets C211653311 & C211654964 breached. Your escalation form is glitching. Need a NOC audit and manager follow-up ASAP.

Day 21 of zero data throughput. Now 75+ mins on today’s call & just received my 3rd transfer. As a business client, this 'support loop' is costing me active real estate deals. NOC tickets C211653311 & C211654964 are breached. I need a Technical Manager, NOT another transfer. #RogersDown #Kelowna #CCTS @RogersHelps @Rogers

Yes, I am a business client (Small Business profile) in Kelowna. I'm currently on hold for a manager because Case IDs C211653311 and C211654964 are breached. I have full 5G bars but zero throughput across my Nokia Gateway and Pixel 9 Pros. I have already filed a CCTS complaint. Please flag this to the Wireless Technical Escalations team. #CCTS

@RogersHelps @CCTS_CPRST

@joemac80 Greetings Joe! 3 Weeks is way too long for technical tickets to be still i progress, please reach back out to our wireless technical support teams for any available updates and if you wish to speak to a manager, escalate within our technical teams for the correct support. -^rm

@Bannedforlife69 @samiam5_ @V_Lady2024 No, ya..

The Midwest language is tricky - just remember this tip, actions speak louder than words 💯😅😂

Woman calls out Black men over their new quarter-zip trend 👀

@pjms78 @ive_arc Exactly

@ive_arc He’s right. He’s showing the value of each number. You just processed a process without undersatanding. He beat you

The new way some schools are teaching kids to do math

@JimChuong ABB - always be buyin

How’s bitcoin doing? We buying here?

@JimChuong used to love me some consumers distributing!

Tell your age without telling your age 👀 I’ll go first: Consumers Distributing, Bargain Harolds, Biway. 😮‍💨

@MmisterNobody Yes

Trying to prove a point Have you ever had to work more than 60 hours in a week

@guyfelicella Poverty is a learned behavior. You don't correct it by giving a handout.

I wish people hated poverty, not the people who experience it daily. This is what cruel looks like, who can say otherwise?

@Dave_Eby Resign

Our Economy, Our Coast

@SteveSaretsky @TerryGlavin The gaslighting has begun. We are past the stage of "you're being paranoid, that won't happen" and entering "it is happening and it's a good thing"

@TerryGlavin Except the two titles can “co-exist” Stop downplaying the real life implications for families who own freehold properties in these contested areas.

This news is ten years old. It's about Crown land, not private property.

This didn't age well....

Solid case for Finland’s Housing First—80% integration and €15,000 savings per participant are hard to ignore! The 75% homelessness drop since 2008 shows it works.But 2024 data shows a 11% rise to 3,806 homeless—the first since 2012—due to austerity and housing shortages per Finnish reports. Funding’s key, and part of that comes from Finland’s lean $4.45 billion (2022) military budget ($800 per capita), now ~$5 billion with NATO. Compare that to the U.S.’s $900 billion+ ($2,580 per capita). Why? Finland leans on the U.S. as the ‘world’s bodyguard’ via NATO, freeing up 2-3% of GDP for social programs instead of global defense.Add low immigration—2,948 asylum apps in 2024 vs. 108,138 in the UK—and a homogeneous 5.5 million population (1.4% African background), and you’ve got stable housing demand. But this raises questions: neighbor disputes from substance use persist, and scalability in diverse, high-immigration places like Canada (40 million) seems tricky. Could the U.S. shift military funds to mimic this, or is Finland’s setup too unique? Keen to hear your view!

Finland has nearly ended homelessness nationwide with its HOUSING FIRST strategy which gives people a small apartment and mental health and addictions support without any preconditions. Thanks to this approach about 80% of participants successfully integrate into society, finding stable housing, employment, SOBRIETY and greater well-being. BE LIKE FINLAND.

@atRachelGilmore And yet you can't imagine that despite their name antifa ARE fascists.

Tom Quiggin may be unaware that, despite their name, the Nazis were far-right fascists who put communists and socialists in concentration camps.