At GPS Financial, their name says it all. They help their clients with their Goals, Plans and Solutions. They implement the values of integrity, expertise, respect and commitment when working with you to establish a long term trustworthy relationship. They are TRUSTED SASKATOON FINANCIAL ADVISORS on the Saskatoon directory of experts.

Here Tammy & Wendy share another helpful Trusted Tip!  

 

Are you jeopardizing your retirement?

While retirement may not seem like a priority today, the longer you delay planning – the longer you delay retirement.

Mistakes you can avoid:

1. Random RRSP contributions

Are you contributing the maximum of your RRSPs? This is not a tax efficient plan for everyone’s situation. Are you contributing in lump sums days before the RRSP deadline? Frequent or monthly payments let you dollar cost average your contributions which in turn gets your RRSPs to grow more quickly. Are your RRSPs in several different financial Institutions? You need an investment strategy to make sure that your RRSPs are well diversified which decreases your risk in the long run.

2. Not having a plan.

Do you know how much you need to save for retirement? The younger you are, the less you have to contribute. You need to know how your work retirement plan (if you have one) will impact your individual retirement plans. Do you know how much you need for retirement? People are retired for 20 to 30 years now, so it is very important to calculate the impact of inflation and lifestyle during your retirement. Have you started? Even starting small now can dramatically improve your retirement income.

3. Sacrificing your retirement to pay for the kid’s education

Have you asked your children to apply for the Canada Student loan? Some of the loan may not have to be paid back as bursaries are often given out to students. Also – the money is interest free until 6 months after graduation. Have you cashed in RRSPs to pay tuition? If so – then you better get an agreement in writing that you can live with your children in your old age!

4. Not being prepared for emergencies

Do you have the right amount of insurance if you become sick, disabled or if your spouse dies? Retirement dreams can be slashed when an unexpected health issue comes up. Review your work and personal plans on annual basis and buy individual plans if the work plan is not enough coverage. Do you have an emergency fund? A savings account is the solid base of your financial plan. An emergency account can save you from cashing in RRSPs and jeopardizing your retirement.

 

Find GPS FINANCIAL GROUP  online here or make an appointment at their convienient downtown location on Spadina Crescent...check out their listing in FINANCIAL SERVICES on the SASKATOON DIRECTORY ..they are your Trusted SASKATOON FINANCIAL ADVISORS.

Stay Trusted my friends...SAFE AND TRUSTED SASKATOON

One of the main questions people wonder when buying a home is "how will I come up with the down payment?" Most people don't realize how many options are available to them for down payment and the list gets even bigger when dealing with a mortgage broker! 5% of the purchase price of a home is the minimum down payment required by all lenders in Canada for a mortgage. Here is a list of the Top 5 down payment options:

1) SAVINGS - Savings need to be accumulated gradually in a bank account, tax free savings account or investment account. Lenders do not allow savings as an option if you have only had the money in your account for a few weeks. Most lenders usually ask for 90 days of your bank statements to verify if all or most of the savings for down payment have been in your account for at least that long.

2) RRSP's - The Government has a program in place called the 'Home Buyers Plan' that allows First Time Homebuyers to use RRSP's for the down payment. Each person/first time homebuyer can withdraw up to $25,000 without penalty. The funds withdrawn for the down payment have to be repaid back to your RRSP account within 15 years.

3) GIFTED FROM FAMILY - You can use part or all of your down payment from gifted funds received from immediate family members such as parents, grandparents or siblings. The person(s) that gifts you the funds will sign a letter for the lender that states the amount of gifted funds and that they never have to be repaid. The lender will also ask for proof of the exact amount of gifted funds deposited into the home buyers bank account.

4) BORROWED FROM CREDIT - Only a select number of lenders will allow you to borrow your down payment from credit sources such as a line of credit. Other credit conditions may apply so if this is the option you would like to go ahead with, I can help find the available lenders to offer this and see if you qualify.

5) LENDER CASHBACK - Mortgage brokers deal with a very select few lenders that offer this type of product. Lenders will offer up to 5% cashback that can be used for down payment, also sometimes referred to as a $0 down mortgage. Usually a minimum credit score is required to qualify for this type of mortgage. The cash back is free from the bank but the interest rate you pay for this product is usually 2% higher than a regular mortgage rate. So, in the end you end up paying that amount back to the lender in interest costs but it is still a great option for those that don't have the above 4 options available to them for a down payment. For more information on these down payment options, please contact Tamara!

Find Trusted Saskatoon Mortgage Brokers here in the SASKATOON MORTGAGE Category on THE Saskatoon directory of excellence.

Tip provided by Tamara Mezzo- who was a Previous Trusted Saskatoon Mortage Broker

Marla Janzen is an award winning SASKATOON REALTOR she takes action to sell her client's homes and find them the perfect new place to live while negotiating the best terms and price possible. She loves what she does and takes great pride in providing excellence in customer service to all of her clients. She is one of our TRUSTED SASKATOON REAL ESTATE EXPERTS listed on the SASKATOON DIRECTORY and loves to provide Trusted Tips that help the public!

10 Mistakes to avoid when purchasing a home!

1. Making an offer on a home without being pre-qualified. Pre-qualification will make your life easier – so take the time to speak with a lender. Their specific questions in regard to income, debt, etc., will help you determine the price range you can afford. It is an important step on the path to home-ownership

2. Not having a home inspection. Trying to save money today can end up costing you tomorrow. A qualified home inspector will detect issues that many buyers can overlook.

3. Limiting your search to open houses, ads or the Internet. Many homes listed in magazines or on the Internet have already been sold. Your very best course of action is to contact a Realtor®. I have up-to-date information that is unavailable to the general public and is the best resource to help you find the home you want.

4. Choosing a real estate agent who is not committed to forming a strong business relationship with you. Making a connection with the right Realtor is crucial. Choose a professional who is dedicated to serving your needs – before, during and after the sale.

5. Thinking there is only one perfect house out there. Buying a home is a process of elimination, not selection. New properties arrive on the market daily, so be open to all possibilities. Ask me for a Comparative Market Analysis (CMA). This compares similar homes that have recently sold, or are still for sale.

6. Not consider long-term needs. It is important to think ahead. Will the home suit your needs 3 – 5 years from now?

7. Not examining insurance issues. Purchase adequate insurance. Advice from an insurance agent can provide you with answers to any concerns you may have.

8. Not buying a home protection plan. This is essentially a mini insurance policy that usually lasts one year from the close of escrow. It usually covers basic repairs you may encounter and can be purchased for a nominal fee. Talk to your agent to help you find the protection plan you need.

9. Not knowing the total cost involved. Early in the buying process, ask your Realtor or lender for an estimate of closing costs. Legal fees, Property transfer Tax and HST are just some of the extra costs involved. Remember to carefully examine your Buyer’s Statement of Adjustments.

10. Not following through on "Due Diligence". Buyers should make a list of any concerns they have relating to issues such as; crime rate, schools, power lines, neighbors, environmental conditions, etc. Ask the important questions before you make an offer on a home. Be diligent so that you can have confidence in your purchase.

Find Marla Online at http://www.century21.ca/marla.janzen   she is a Century 21 Fusion Realtor Sakatoon based at 703 Circle Drive, Saskatoon..or checkout her listing in REAL ESTATE SASKATOON here on www.trustedsaskatoon.com   , Marla Janzen is TRUSTED SASKATOON REAL ESTATE EXPERT.

Stay Trusted my friends..SAFE AND TRUSTED SASKATOON

www.trustedsaskatoon.com works for YOU the public..we work extremely hard to find the Trusted businesses we feature on the Saskatoon Directory and we do all the running around and checking on those businesses so YOU don't have to ..no other directory OR service out there offers the public the unique service that we do at Trusted and we take our job very seriously.

"Finding a job, is a job in itself, that’s exactly how I felt after trying to find a job online. Being a high school student at the time, it was incredibly time consuming to browse and filter through pages of positions that, due to my age and school schedule, I simply wasn’t qualified for. It was inefficient, and our age group (15-24) just doesn’t work that way. There had to be a site where jobs, relevant to teens and students, could all be found in one easy to use place, and to my surprise there wasn’t. With that discovery came an idea, my name is Evelyn Morett, founder of teenwork.ca. The site is straightforward, using innovative and visual features that create greater efficiency and success. I believe that the more efficient a site is, the more students and teens will use it, and when there are more active job seekers, the benefits will extend to the employers and companies as they will have a greater pool of candidates and will more have success finding great staff. In 2011, teenwork.ca was launched, a new job site where finding work doesn’t have to be such hard work. teenwork.ca Helping You Find Your Talent; whether it be finding talented staff for employers, or jobs that students and teens can excel at, we are here to help." Evelyn

www.teenwork.ca THE Solution for Teens and students looking for work...created BY Teens for Teens...and Trusted too!

Welcome Teenworks.ca we are proud to give you the ' Thumbs up' on the Saskaton directory of excellence!

STAY TRUSTED my friends ...SAFE AND TRUSTED SASKATOON   

www.trustedsaskatoon.com latest Banner advertiser is Passion Parties by Koni Cherry, we tell you why Koni can be Trusted and we share information about Passion Parties- The Ultimate Girls’ Night In®

Having a Passion Party is a great way to experience the ultimate girls’ night in. You’ll giggle, you’ll learn and best of all – Koni will show you ways to spice up your love life. Plus, you and your guests can earn FREE products. All you have to do is get your friends together –Koni will  take care of the rest!

Koni really cares about what she does and is invested in making your Passion Party the BEST it can be. Trusted spoke to many of Konis clients and we asked questions about their experience, we are please to tell you that all unaimously agreed Koni is an awesome consutant and really made their Passion Party a fun night...lets share some of the comments about Koni:

" Koni really made everyone feel at ease..everyone felt really comfortable from the get go"

" I went to a party  that Koni was the consultant for , then I booked a party for myself, then a friend booked a party..I enjoyed all of them!"

" Koni is a really open and honest lady, you KNOW that she won't sell you something that she doesn't think is right for you ...she is Great to deal with"

" If you have any questions she answers everything in a really thorough manner, she knows what she is talking about and really keeps the party moving..and laughing!"

You don’t need a reason to have a Passion Party — Koni will turn any night into an unforgettable evening of fun and excitement for you and your girlfriends. But if you have a special event coming up, adding Passion Parties will kick up the fun. Bachelorette parties, girls’ night, spa day, birthday parties, recently-single parties — whatever the occasion, you can’t go wrong with a SASKATOON Passion Party with Koni Cherry. Your love life will never be the same.

Passion Parties are designed to inform and educate women through tasteful in-home presentations where you have an opportunity to experience sensual products specifically created to enhance your romantic relationship. Best of all, you’ll have a blast in the process. If you’re ready to take your intimate life to a whole new level, Koni has JUST what you need.

Hosting a Passion Party is both free and fun, and as the party hostess, you’ll be rewarded for your time and effort. What have you got to lose? Book your party  with Koni today by calling - 306-2296510 or email: Koni_Cherry@hotmail.com

You must be at least 18 years old to host a party.

Across The Board Property Inspections is a local Saskatoon home inspection company, privately owned by Ben Wanner. Ben is the companies principal property inspector with a background in construction, plumbing/heating, as well as mould and asbestos abatement. Their goal is to be leading the leading SASKATOON HOME INSPECTION COMPANY with focus on providing the best customer service possible. Ben Is THE TRUSTED SASKATOON HOME INSPECTION EXPERT.

Mike Holmes Inspections in Saskatoon

 

Trusted Tip, Asphalt Shingles By Ben Wanner of Across The Board Inspections   

When our trusted inspectors perform a home inspection, we commonly find issues with Asphalt shingles. Typically asphalt shingles last about 20 years however this can vary based on the type. It can also vary based on conditions found at the home such as trees near the house, poorly ventilated attics, sunlight exposure etc. They are classified by the warranty offered by the manufacturer, 10 year, 15 year, 20 year, 25 year, 30 year, 35 year. An Asphalt roof is much more likely to leak at the flashings around pipe penetrations, roof vents, chimneys, wall intersections and valleys than it is to leak in the field of the roof. Even a brand new roof with improperly installed flashings can be leaking.   

When looking at a home you are considering purchasing, have a quick look at the roof from the ground. If you see the shingles curling, loosing the coloured granules, patches, roof tar or growing vegetation you should be suspicious that the roof may need replacement. It is also a good idea when inside the home to look up at the ceiling for signs of water damage or patching.

Replacing a roof on a home is a significant expense and can be more costly if the home as been affected by water damage. Of course it is still always recommended to have the roof looked at during a prepurchase home inspection from a trusted inspector.

Across The Board is the only inspection company given the thumbs up by Trusted Saskatoon.

Great Tip Ben! IF you are looking to buy a home, the smart thing to do is to get a home inspection..and Ben Wanner at Across the board should be your first call! They are your Trusted SASKATOON HOME INSPECTION EXPERTS ..and Ben will be honest with you ...we Guarantee it!

Here is a CBC Marketplace investigation on Asphalt shingles ..be wary!

 

 

 

It really is a ' Wing Thing' and anyone in Saskatoon that likes their wings has to agree ...WING WORLD definitely offers the BEST WINGS in SASKATOON!

www.trustedsaskatoon.com has banner advertisers ...many of whom do not fit into the specific categories we list on the directory ...from Home inspectors to Jewellers..a Restaurant to a Hosting company ..and now we offer a Trusted Take Out with WING WORLD...this means we can give even more Trusted options to the Saskatoon Public!

The banner advertisers on Trusted Saskatoon are exclusive, to allow for more Trusted options for the consumer and they have to go through the same process that the other businesses do...references are checked and everything is verified...and the banner advertisers are also encouraged to provide us with Trusted Tips for their industry too!

Thats enough about us...Lets brag about Wing World and tell you why they are deserving of the Thumbs up in their category!

WING WORLD

 

WHAT'S IN A NAME?

There are a lot of incredible stories about how WingWorld got it's name. Here is the one we like best!

"Once upon a time in a land far, far away there were many nations wrought with war. Merciless leaders such as King Boredom and Queen Tasteless ruled with an iron fist. One magical morning Princess Brooklyn of the Honey Garlic region and Prince Dawson of the Great Buffalo region met with the two brothers of Sweet and Spicy Thai land, Prince Mickey and Prince Tyler. Together they swore allegiance to fight King Boredom and Queen Tasteless. A great swelling of support grew as over fifty regions joined the battle; many heroes appeared during this time as the need for them grew, such as King Justin of the flavourful nation of Raspberry Pepper. No one stood alone as all the nations battled to become one great nation under one name. Together they formed what is known today as WingWorld. Flavour and fun now ruled the world. Many have now traveled to experience the wonders of WingWorld, but few have returned; once you have been there you will never want to return to the land of King Boredom and Queen Tasteless again." THE END

 

Their menu is full of fresh, new and delicious foods...including RIBS, WINGS & DESSERTS ( including Deep Fried Mars Bars!!)

The diverse selections of flavours and items sold will change and be added to from time to time, making them even more popular in the future. Their concept serves up a fun and friendly atmosphere, where good food and good service are consistently delivered.....and their 2 locations stay open LATE to accomodate all of your Wing urges!! They also Cater for parties and events..call them to organize and get a quote..your firends will love you for it!

Eastside Store Hours

Sunday to Wednesday: 10:30 a.m. - Midnight

Thursday to Saturday: 10:30 a.m. - 3:00 a.m.

Address: 706B Central Avenue

Phone: 652-WING (652-9464)

Westside Store Hours

Sunday to Wednesday: 10:30 a.m. - Midnight

Thursday to Saturday: 10:30 a.m. - 3:00 a.m.

Address: 3322A Fairlight Drive

Phone: 653-WING (653-9464)

Stay Trusted my friends..SAFE and TRUSTED SASKATOON  

At Campbell Custom Homes their customers are number one. Their objective is your satisfaction and they guarantee that from the first conversation, throughout the building process, and even after you have moved into your new home that your needs are their priority…from starter homes to Million dollar homes...they are a wonderful choice! They realized early on that a solid reputation is earned. They continually strive to exceed their customer's expectations one home at a time by providing each of their clients with the individual attention required to transform their dreams into reality. Their attention to detail & construction quality, combined with their personalized customer service have formed the cornerstones of their success..they are a TRUSTED SASKATOON HOMEBUILDER.

Here they share their latest news!

Campbell Homes Reveals Fundraising Total Announcements, Pink House Campaign

What a day it was! On Friday April 20th, people gathered in the garage of Saskatoon’s FIRST Pink House at 744 Rempel Cove to learn how successful the Pink House Campaign for Breast Health had been!

There was energy, excitement, pride and anticipation. This endeavor proved to not only be incredibly successful but also very rewarding to all involved! Saskatoon’s first PINK HOUSE, built by local home builder Jason Campbell of Custom Campbell Homes, with lumber supplied by PinkWood Ltd, and contributions to the home from a number of local suppliers, all celebrated a huge success with a pancake breakfast compliments of Maple Leaf Foods. This celebration set the stage for the unveiling of the funds raised to support Breast Health right here at home. All funds raised are being donated to the Breast Health Centre at Saskatoon City Hospital. Please visit their website to see a list of all who have made this project successful!  

When the idea of the Pink House Campaign first took hold, no one really imagined that the success of this endeavor could be this outstanding! How outstanding you ask? With an initial fundraising goal of $50,000 it was clear that to reach that number would take great effort and support from the community, but everyone pulled together. When numerous suppliers in the industry came together and made a significant contributions it was clear that the initial fundraising goal was going to be SMASHED! Not only did the fundraising total surpass $50,000, it surpassed $100,000, and it surpassed $150,000! Yep!

The GRAND TOTAL RAISED was just a hair over $200,000!

Congratulations to all involved in this great project! Your generosity will be appreciate by those in need who can get the care they require right here at home!  

The house is now ready for sale and can be viewed online at www.campbellhomes.ca . 

Again, Congratulations to all involved! A job very well done! If you are not familar with the Pink House Campaign, click here to see the Media Launch Video!

Please visit us on Facebook for more pictures of the Pink House Campaign!

 

www.trustedsaskatoon.com is a proud sponsor and supporter of Campbell Homes Pink House campaign.

 

Original blog by Campbell Homes- link

http://www.campbellhomes.ca/blog/2012/04/20/campbell-homes-reveals-fundraising-total/

www.trustedsaskatoon.com has been contacted many times by members of the public looking for Trustworthy SASKATOON CLEANING SERVICE providers and SASKATOON MAID SERVICE...we are very proud at last to have found and to be able to feature, recommend and endorse Glass Slipper Cleaning Services!

 

GLASS SLIPPER CLEANING SERVICES

Glass Slipper is locally owned and operated and they absolutely provide a reliable Saskatoon cleaning services for homeowners like you in Saskatoon and surrounding area. They appreciate your trust and know they have to earn the right to keep it! Glass Slippers owner Angela Sipko is a hardworking, kind hearted professional who believes in providing the best possible experience for her clients.....Trusted is confident that after Glass Slipper Cleaning services have been to your home that it would pass anyones ' White Glove test' ...they don't cut any corners and they ensure that the plan/ cleaning schedule is exactly what you are looking for, as they sit down with you for a ' cleaning consultation'  to make sure everything is discussed before the first cleaning appointment!

We are all so busy these days...running around after our families, work and social commitments...how nice it is for someone to come in and HELP you with the cleaning, laundry ...heck even sorting out the fridge or that spare room closet!!! What ever you need doing ....or whatever is long over due when it comes to cleaning your home or small office...Glass Slipper Cleaning Services should be your first call! 

  

Glass Slipper Cleaning services are committed to using enviromentally friendly Cleaning products....if you haven`t used these products before ..don`t let the `green label`fool you into thinking that they don`t do the job as well as the `other options`....Glass Slipper can assure you that your house will smell and look amazingly CLEAN and FRESH  after they have used these products..it`s a WIN WIN for all !! 

For a full list of `everything they do `click here to see their WISH LIST ....Trusted can say without hesitation that Glass Slipper will be like a Fairy Godmother to you as they remove the stress and strain of keeping up with all of your mundane house hold chores ....so you can do something more exciting ..like go to a BALL perhaps....

You can Trust them in your home and with your valuables...they will treat your home like their own and respect your wishes and your privacy....and what a GREAT GIFT to by a busy person in your life...Gift Cards are available!

We give Angela and the Glass Slipper Team the Thumbs up ..and we look forward to hearing all the positive feedback from YOU the public!! 

Check out what their clients had to say when we surveyed them here in SASKATOON CLEANING SERVICES on the Saskatoon Directory..on www.trustedsaskatoon.com the ONLY directory that works for YOU the consumer!  

 

 

 

Stay TrusteD my friends ..SAFE AND TRUSTED SASKATOON

Marla Janzen is an award winning SASKATOON REALTOR she takes action to sell her client's homes and find them the perfect new place to live while negotiating the best terms and price possible. She loves what she does and takes great pride in providing excellence in customer service to all of her clients. She is one of our TRUSTED SASKATOON REAL ESTATE EXPERTS listed on the SASKATOON DIRECTORY and loves to provide Trusted Tips that help the public!

 

Marlas Real estate Tip: What are closing costs when buying a home?

As exciting as it is to purchase a home, many home buyers are also always looking at the bottom line: how much is this home going to cost me? And while looking at the listing price is a good place to start forming an idea of just how much exactly you’re going to pay for a home, you need to also figure in some additional costs. These are the closing costs, the money you will have to pay in addition to the price of the home, just to make the sale of the home happen.

Knowing about closing costs, and which ones you’ll have to pay, is a huge help when it comes time to make that final purchase. Here are some of the closing costs you can expect to pay, although there may be others that are specific to your deal.

• Home Inspection Fee: This is crucial, especially if the home is not new construction. You need to get a professional home inspector to look over the property so that they can make you aware of any existing or potential problems. Although a home inspection usually costs $300 – $400, getting one can save you thousands in the long run.

 

• Legal Costs: You will most likely need to hire a lawyer to draft a title, perform searches, and assist the mortgage broker with handling the mortgage.

 

• Disbursements: Out-of-pocket expenses, such as title searches and registrations are known as disbursements and must be paid by the buyer.

 

• Appraisal Fees: In order to obtain a mortgage most Canadian mortgage brokers will require that you get an appraisal of the property so that they can have a good understanding of how much the property is actually worth. An appraisal usually costs $100 – $250.

 

• Land Survey Fee/Title Insurance Fee: A land survey will also be required by any Canadian mortgage broker and if one is not available, you’ll need to get a new one at a cost anywhere from $600 – $900. If a survey is not available some mortgage lenders will accept a title insurance fee, which usually costs a much cheaper $250.

 

• High Ratio Mortgage Insurance: This is another fee that Canadian mortgage brokers require if your down payment is less than 20%.

 

• Land Transfer Tax: All provinces and territories in Canada have a land transfer tax associated with all property purchases; the rate varies by province. Residential homes in Ontario carry a land transfer tax that can be anywhere from 0.5% to 2.0%.

 

• Fire Insurance: Any Canadian mortgage broker is also going to need verification that fire insurance has been purchased for the home before a mortgage is approved.  

Find Marla Online at http://www.century21.ca/marla.janzen   she is a Century 21 Fusion Realtor Sakatoon based at 703 Circle Drive, Saskatoon..or checkout her listing in REAL ESTATE SASKATOON here on www.trustedsaskatoon.com   , Marla Janzen is TRUSTED SASKATOON REAL ESTATE EXPERT.

Stay Trusted my friends..SAFE AND TRUSTED SASKATOON