Trusted Tips and Resources

Trusted Tips & Resources

2014 Trusted Saskatoon Contractor show

Trusted Saskatoon.com THE Saskatoon Directory   is proud to be hosting a Talk to the Experts show " The Trusted Show' Monthly on Newstalk 650 ..the first show aired June 9th 2012.  Find them all here in our tips library or on our Trusted Channel on You Tube which is a fabulous resource of Tips, Interviews, Demos and Tours.

What this means is you can listen to all the shows ON DEMAND, you can share them with friends who may be interested in the shows subjects and this makes sure you never have to miss a Trusted Show - we think out of the Box when it comes to marketing, so we can provide the BEST Possible service for YOU the public- we are the Only Local Directory that works for you...and the only  place to offer this kind of service in Saskatoon!  

This latest show we are featuring is the 2014 Trusted Contractor show! 

 

This months guests are :

John from Dexteriors Trusted Saskatoon Deck & Renovation experts.

Shane from Go 2 Guys Inc Trusted Saskatoon Roofing & Exterior experts

Russ from Stone Temple Decorative Concrete Trusted Saskatoon Concrete & Driveway experts

Find them all on Trustedsaskatoon.com the Saskatoon directory of Excellence

 

 

All the shows questions have been submitted by our wonderful Trusted Saskatoon Facebook Fans  and one lucky fans question was chosen by Brent Loucks to win the Prize package submitted by the 3 Trusted Businesses worth  OVER $500

Enjoy the show!! 


  

 

Marla Janzen Trusted Saskatoon Real Estate Expert shares tips for the first time Homebuyer

Marla Janzen is an award winning SASKATOON REAL Estate expert 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 wonderful  TRUSTED SASKATOON REAL ESTATE EXPERTS listed on the SASKATOON DIRECTORY and loves to provide Trusted Tips that help the public!

Marla Janzen from century 21 Fusion is the realtor for BC Based home builders Westbow Construction's Radius at The Legends condo project in Warman SK, and she invited the Trusted team up for a tour around the show condos and to meet the owner of Westbow Construction Dick Westeringh. We figured we would take along our video camera so you could see for yourself why living in Warman should be a consideration for anyone thinking about moving!  

Here Marla shares tips for the first time Homebuyer:

Are you a first-time home buyer in Saskatoon or Warman and eager to get into the market? Here are some basic steps to take to help you decide whether you're ready to take the plunge. Purchasing a home is a major decision and most people start by falling in love with a specific property before knowing if it is even a feasible purchase for them.

Losing the home you had your heart set on can be very discouraging. Before talking to a Realtor, here are a few steps to ensure you are not disappointed when you find the right home for you.

1. Check the selling prices of comparable homes in your area. You can also do a quick search of actual MLS listings in your area on a number of Web sites.

2. See what you can afford. Talk to your bank or a mortgage broker who will look at your financial situation and help you to know what kind of housing will be within your price range.

3. Find out what your total cost of owning a house will be. Many buyers look only at the mortgage cost, but forget things like, including taxes and homeowners insurance which are additional costs. Even a basic budget can help you to know what your monthly expenses will be.

4. Get estimates. A good idea once you know what kind of mortgage you can afford, is to get quotes for things like property tax and home insurance. To estimate property tax, you can check out home listings in the area you are interested in along with homes that are within your price range. Property Tax information is listed with the property info. To get an idea of what you'll pay in insurance, make a call to a local insurance agent for an estimate, based upon these same homes you’ve identified as possibilities.

5. Find out how much you'll likely pay in closing costs, like Land Titles searches, lawyers (which are required), Mortgage closing fees, etc. Discuss these fees with your lender before committing to purchase.

Mortgage Calculator-How Realtors Help.ca

Once you have these details and feel comfortable with what your monthly costs will be contact Marla Janzen from Century 21 Fusion, in Saskatoon and Warman, at www.marlajanzen.ca to find exactly the right property for you.

 

 

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.

Crestview Auto Servcice TRUSTED SASKATOON TIRE and AUTO REPAIR EXPERT shares a tip on buying a used vehicle - Information on Inspections

Let's face it, most of us do not think about the tires on our vehicles until we run into a problem....and that problem may be a major inconvenience at best; an accident at worst. Having your vehicle serviced by people that you trust is an absolute must. Let Don and the highly trained technicians at Crestview Auto Service work with you to make sure your vehicle is ready for the road.

Crestview Auto Service is your Trusted Saskatoon Tire Expert and they also offer full Auto Service and Repair in Saskatoon

Here they share a tip on buying a used vehicle - Information on Inspections:

 

Is it time for you to get a different vehicle? If it is, Crestview can help! Buying a vehicle doesn’t have to be a gamble. When you buy a used vehicle, having a pre-purchase inspection is ...one of the best investments you can make. Depending on the year of the vehicle and your comfort level with the vehicle we can assist you in choosing how thorough of an inspection to do.

When a vehicle has passed a safety inspection, it doesn’t mean that in a few months the vehicle won’t need thousands of dollars in maintenance or repairs. Safety inspections do not inspect the complete vehicle. The engine state of tune, cooling system, transmission condition etc. are not taken into account, and components such as brakes, tires or steering components only need to pass the minimum standard and could require replacement 2 months after you purchase the vehicle.

Some things to be aware of when searching for that new vehicle are (when you drive the vehicle): Does it feel tight or does it “rattle” as you drive? Does the previous owner have the maintenance history to show you? And will the owner allow you to have the vehicle inspected? Be aware of a vehicle advertised as “It’s a great car, I’ve never had to do anything.” This can mean the new owner will need to spend a lot of money to “do” what the previous owner neglected.

To book a pre-purchase inspection or to find out more, give us a call at (306) 244-6522, or visit our website at www.crestviewautoservice.ca. We are a proud Trusted Saskatoon partner and look forward to working with you.  

 

Find Crestview at 24, 23rd Street East  or online at www.crestviewautoservice.ca - they are a fullservice Saskatoon Tire and Auto Repair & Service business and they can be found on the Saskatoon Directory under TIRES SASKATOON    and Auto Repair & Service Saskatoon they are your TRUSTED SASKATOON TIRE and AUTO REPAIR EXPERTS  

 

 

Tammy Wandzura a Trusted Saskatoon Mortgage Broker expert shares a tip on Fixed VS Variable- What is the FINE PRINT?

Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura your Trusted Saskatoon Mortgage broker and the team at Elite Mortgage Choice believe that buying a home should also be an exciting experience with little to NO stress. By trusting your Mortgage Broker, you are ensuring that any stress you may have had in previous encounters can be eliminated!

Tammy truly believes that all you should have to worry about is opening the door to your new home for the very first time.

Here Tammy shares a tip on Fixed VS Variable- What is the FINE PRINT?

As the weather warms up and the grass & leaves turn green the Real Estate market starts cook'in!

It has already been a busy start to the Spring season - with expectations that it will get much busier.

It's the perfect time as a BUYER to have many options available on the market and as a SELLER to list and sell in the hot season.

The City of Saskatoon is estimating this year to be one of the biggest years for construction...and we are all witness to this by taking a simple drive into any of the new areas. Between new commercial spaces, new residential builds and new roads and infrastructure Saskatoon is growing by the minute!

All this while Mortgage Rates continue to stay at all-time LOWS.

The Prime rate has not increased for over 2 years; the fixed rates ranging from 2.99%-3.09% are as low as we have seen them and the Variable rate mortgage discounts are being re-introduced with Deep discounts off Prime giving borrowers the opportunity to sign into some of the lowest mortgage rates in history!

Confused on the differences between Fixed vs Variable: What is the best option for you?

There are a few determining factors:

1) Qualification: To qualify for a Variable rate OR a fixed rate mortgage under a 5 year term-you must be able to qualify at a higher interest rate. This is a federally regulated rule and can mean that not all buyers have the opportunity to consider a Variable Rate or a lower term.

2) Payment Affordability: Many home owners choose a Fixed rate mortgage as it gives them the security of knowing their payment will NOT change. With a Variable Rate mortgage your payment can fluctuate as PRIME moves.

What is MY advice?

In this Rate market it really comes down to choice and how risk adverse you may be. Some clients that may easily afford to qualify for a Variable rate mortgage simply do not feel comfortable. They are used to a fixed rate- they don't have to worry, pay attention or concern themselves with anything mortgage related until renewal.

If you have the flexibility of CHOICE and you can choose either option- I would suggest you highly weigh the pro's and cons' directly related to your application regarding the Variable rate mortgage.

The Variable rate can indeed fluctuate - however with discounts ranging from Prime-.50% (2.50% as of today) to Prime-.60% (2.40% as of today) Prime would have to jump by over 1% for you to see a seriously negative effect.

I also only work with lenders that allow my clients the flexibility of portability and transfers. Meaning if you sell your home and buy anywhere else within Canada we can look at moving or porting your mortgage to the next property. Once your renewal comes due my lenders will allow you the option of leaving them with no cost or penalty if you choose to for any reason.

I point out the above information - as it is very important to read the fine details when signing any MORTGAGE or Lien on your home.

The most recent Rate announcement of a Variable rate being offered at Prime LESS 1+% has many strings attached

Many of them you may be able to work with- but the one that is most important to consider is the non-transfer clause.

That means they are registering it as a collateral mortgage.
At renewal it is NOT transferable to a different lender that may have a better rate or product for you.
To move lenders you would be forced to do it as a refinance.
Canadian Legislation only allows you to refinance if you have 20% equity in your home. That means for new home owners jumping on this new rate- with a 5% minimum downpayment today, it is unlikely they will have built 20% or more equity in 3 short years and will be forced to renew with this particular lender. What will this lenders rates be when they know the client has no choice?


Setting yourself up for a situation where you have no choice is a scary decision.

We highly suggest you continue discussing your best options with your Mortgage Broker so that we can weigh all the pro's and con's regarding your direct situation.

Did you know it's a GREAT Idea to pre-qualify and get pre-approved asap?

Our rate holds and pre-approvals last 120 days (4 months).
Often throughout the Spring months the lenders will compete with their rates. Locking in will ensure you get the best and lowest rate from now until your possession date

I invite you to visit my website and read our client testimonials.
If you are struggling with the decision of BANK vs BROKER or which BROKER should I use; I always suggest reading the comments from real people that have used our services over the years and can report to you what our strengths are!

To all my past and current clients: Thank you so much for your continued referrals and support.

For those that didn't know I recently (1 year ago) opened a furniture and home decor store called First Avenue Furnishings
#1-511 1st Ave N Saskatoon

It has been very rewarding, a huge challenge and a huge learning curve

It has strengthened my Mortgage Business & my relationships even further- as we have created such a niche space that my clients just love!

When you come to visit you really feel warm and comfortable!

We are officially experts in everything HOME Related from beginning to end!

I hope you all have a wonderful summer! Enjoy as much time as you can with your families at the lake or on your road trips!

Any questions mortgage related- give me a call as I would be happy to help!

Best Regards
Tammy Wandzura
306.933.3386

Trusted Saskatoon Financial tip on Being an Executor - an honour or a burden?

 

 Saskatoon Directory in our Trusted Saskatoon Financial Services category 

tip on Being an Executor - an honour or a burden? 

Many of us have received a request from a friend or family member to act as the executor of their estate. Acting as an executor can be a daunting task that takes time, knowledge and patience. When acting as an executor, you owe a duty of care to all persons interested in the estate, so the role should not be taken lightly. Before you accept the role of executor, consider the following:

  1. Availability – As an executor, you face sudden and intense demands on your time, especially at the beginning of the settlement of the estate.
  2. Complexity – Generally, the larger an estate, the more complex tasks you will have to complete as the executor. This could include dealing with foreign investments or property, business succession, and family law issues.
  3. Competency – To act as an executor, you should have familiarity with basic financial concepts and some technical knowledge of business, law, tax and accounting is helpful.
  4. Relationships – Handling an estate is not just about getting the job done. Emotions are high as heirs deal with their grief and the executor must be able to deal with difficult issues in a way that preserves harmony among all concerned.

When considering who you should name as the executor to your own estate, be sure to choose someone with the competency, objectivity and emotional intelligence to fill the role well. 

You can also make their lives easier in fulfilling the executor role by considering the following:

·         Approach the person in advance of finalizing your Will to ensure they are willing to take on this important role on your death.

·         Identify professional advisors who are familiar with your affairs such as accountants, lawyers, and investment advisors.

·         Make sure that your Will is up to date and valid in your province of residence.

·         Document your personal property, assets and liabilities and tell your executor where to find this information (e.g. safety deposit box)

·         Ensure that your Will allows the executor to receive reasonable compensation for their work on your estate.

The role of executor can be challenging but with some careful thought and proper estate planning in advance, you can ensure that the estate will be settled smoothly. 

 

 

 

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TrustedSaskatoon.com
129 21st St E #400
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

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