Offering of Kal Tire locations opens up investment opportunities - Western Investor

Kristin and Laurie will paddle the length of Kal Lake to raise money for YISH (Image Credit: Stand Up For Charity Paddle) The annual event that sees paddleboards raise money for a worthy cause will go at the end of the month in support of local youth mental health services. The ninth edition of the Stand Up For Charity Paddle on August 29 will see sisters Kristin and Linsey mount their boards and travel the nearly 18 kilometre length of Kalamalka Lake in support of the Youth Integrated Services Hub (YISH). Located in downtown Vernon, YISH supports local youth by connecting them with counselling services, closing the food security gaps, and providing access to other essential supports. Operated by the Vernon and District Branch of the Canadian Mental Health Association, YISH’s Clinical Counselling Program provided 206 appointments for 52 youth between January and mid-July of this year alone. The services hub also supports roughly 300 youth each year through counselling, food supports, and connections to other essential services.

Major homebuilders are seeing decreasing sales and margins amid buyer uncertainty, but continue to utilize concessions and mortgage rate buydowns to bring in sales. In earning reports this week, PulteGroup, M/I Homes, and NVR, Inc. each shared similar results with shrinking year-over-year numbers. For the third quarter 2026, PulteGroup reported net income of $476 million, a sharp decrease from its net income of $586 million in the same period 2025. NVR showed a similar trend, with its net income for quarter three at $249 million, a 27% decrease from the same period last year. Similarly, M/I Homes saw its net income decrease 37% from last year to $67 million in the third quarter. Revenue and new orders fell were also down year-over-year for all three builders. The declining numbers are reflected in falling builder confidence across the industry. In their October Housing Market Index, the National Association of Home Builders (NAHB) and Wells Fargo found reported that builder confidence in the market for newly built single-family homes fell three points to 29 this month. This is the lowest confidence reading since June 2012, according to NAHB.

Mortgage rates fell for the first time in two months this week as investors sought safety in government bonds, spurred by cooling stock and tech markets and a sharp pullback in new-housing starts fueling inflation fears. The average rate on 30-year fixed home loans decreased to 7.32% for the week ending Oct. 22, down 8 basis points from 7.40% the prior week, according to Freddie Mac. The decline follows seven consecutive weeks of gains that sent mortgage rates to three-year highs, offering prospective homebuyers a modest reprieve. For perspective, rates averaged 6.19% during the same period in 2025. So what does this mean for homebuyers? Using the Realtor.com® mortgage calculator, we can look at how the math works out for the median-priced home in the U. S. All examples assume a 30-year fixed mortgage and include principal and interest only, excluding property taxes, homeowners insurance, and mortgage insurance. Monthly mortgage payment today with a 20% down paymentFor a homebuyer eyeing the median house price of $430,000, a 20% down payment results in a loan amount of $344,000. At today's 7.32% rate, the monthly principal and interest payment is approximately $2,363.

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