JOAO RIBEIRO | Business Coach, Insurance & Investments
Seven years in Canada and this is still the
hardest word in the language.
RRSP. FHSA. RESP. Whoever named these was not
thinking about people who learned English at
40 in Coquitlam.
My wife has given up correcting me.
What’s the one word you still can’t say in
your second language?
João Ribeiro
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09/05/2026
JOAO RIBEIRO | Business Coach, Insurance & Investments
She asked to come work with me in 2024. I said yes
before she finished the sentence.
Markelly was a physiotherapist at a reference
rehabilitation hospital in Brazil. Canada wanted
two more years of school and about $50,000 to
validate a degree she already held, so she did
massage therapy instead, because it was the fastest
thing she could get licensed for here.
She did it until her own body gave out.
We’ve run the business together full time since,
as equal partners. Not helping. Not supporting.
Partners.
If you moved here with a qualification, did Canada
count it? Yes or no.
JOAO RIBEIRO | Business Coach, Insurance & Investments
You took money out of your TFSA this year. You
can’t put it back until January.
Not next month. Not once your account balance
recovers. Withdrawals only become contribution room
again on January 1 of the following year.
So a withdrawal made this week doesn’t return to
your room until January 1, 2027. Put it back before
then and the CRA reads it as an over-contribution.
This is the single most common TFSA mistake I see
in the Fraser Valley, and it’s almost always
someone being responsible with their own money.
Have you ever moved money out of a TFSA and back in
the same year? Yes or no.
Send this to whoever handles the accounts in your
house.
09/04/2026
JOAO RIBEIRO | Business Coach, Insurance & Investments
Four months in real estate without a single sale.
That was 2015.
Ten of us started around the same time. I was the
only one still there a year later. Not because I
was better. Because four months is a long time to
do something for free and most people can’t.
Month three is where everyone goes. I know because
I watched them.
I made the first sale and then never went a month
without one after that.
I did the whole thing again in BC at 40, in a
language that isn’t mine.
How long would you last on zero? Months in the
comments.
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