Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Plumbers at Gibbon Heating and Air Conditioning Receive a Happy Client Testimonial

Gibbon Heating & Air Conditioning has been serving Saskatoon and surrounding areas for over 25 Years, Gibbon is a "Total Service" company with trained technicians who are able to provide customers with solutions to all their SASKATOON Heating & Air Conditioning and SASKATOON Plumbing related requirements!


Gibbon Heating & Air Conditioning Receives a Happy Client Testimonial 


“I had Brent and his team over to install A/C in my house. Not only did he give me the best price of all the other places I got quotes from, but he also has a great warranty on labor and parts, in addition to providing a home follow-up visit the week after installation to go ensure the quality of the work and my satisfaction with it. Brent and his employees were super professional, knowledgeable, and beyond helpful. While they were installing the A/C, they also addressed my complaint about a gas line that was placed in an absurd spot on the wall of my basement and moved it for me. They also offered suggestions for small projects I could do myself or hire someone to do to address some of my issues with heating and HRV efficiency, as well as some of the plumbing around my house. I would hire Brent and his team again in a heartbeat to take care of any plumbing, heating and cooling needs I have. It was high-quality work for a really affordable price! Thanks a million, Brent and company!” - Leanne (Saskatoon)







Find out all the tips on our Facebook Page...Gibbon Heating and Air Conditioning. 

You can find Gibbon Heating and Air online www.gibbonheating.com or check out their listing here in the AIR CONDITIONING & FURNACE Category on THE Saskatoon Directory of excellence..they are your Trusted SASKATOON AIR CONDITIONING &  FURNACE EXPERTS !




Trusted Brags about Wood FX Contracting a Trusted Saskatoon Carpenter and Renovation Pro

The Trusted Saskatoon Team are delighted to welcome Wood FX Contracting to our Saskatoon directory of excellence in the Saskatoon Renovations Category

Wood FX Contracting

Wood FX Contracting is a family run Saskatoon renovation business with over 18 years of experience. It was founded by Orville Friesen, who initially started the company doing exterior renovations and then he switched to interior renovations. The company specializes in hardwood flooring and carpentry but can tackle any interior residential renovation you might need! In 2013 Wood FX Contracting became the registered business name and it is now primarily run by Orville's son Justin Friesen,  although Orville is still on site daily. The Father & son team have worked together for years providing quality workmanship to many clients and home builders!


Trusted Saskatoon Home Builders, Decora Homes Ltd. nominated Wood FX shared their experience with Wood FX Contracting:

"When it comes to hardwood, laminate, LVP or WCP install, Wood FX is a company we would recommend to anyone. We have been using their services for over 4 years now and have had nothing but great experiences with their quality of workmanship." -Rhonda Iula (Owner - Decora Homes Ltd.)


Every client that we talked throughout the Trusted verification process and survey that has worked with Wood FX Contracting had nothing but great things to say and the were given a 10/10 every time! 

One thing that we loved was that they knew Justin and the family by name but not always the company name, which just shows how they are truly the faces of their business!

Another happy client from Saskatoon had this to say about their experience with Wood FX Contracting!

"I have known Justin and his family for over 10 years and they are the best installers in Saskatoon. Their family was born and raised with woodwork. They are great with their clients and ensure quality work. Any issues that arise in regards to humidity etc that might affect install they are upfront and honest about! They definitely have my trust! - Corey G. (Saskatoon)

Wood FX Contracting does all type of interior renovations from bathrooms, kitchens, flooring installation and much more... When we visited their work site we saw for ourselves the quality of workmanship they stand by! 

Trusted Saskatoon welcomes the Friesen Family and Wood FX Contracting to our directory of excellence and we give them the Thumbs Up!


Check out the Wood FX Contracting listing and read more reviews here : 


YourMortgageNow Mortgage Experts Speak Up About Mortgage Renewals

Buying a home is one of the most important and exciting steps in your life.... now that pesky financing! Deal with people who can offer you and your family the best options for you with Your Mortgage Now! Devin Cristo and Wes Will are your Saskatoon Mortgage Experts and they have years of experience helping individuals and families finance their dreams by offering mortgages from a variety of lenders for people from all walks of life.

They are your Trusted Saskatoon Mortgage Experts!


Do You Have a Mortgage Renewal Coming Up?




When it comes time to mortgage renewals, the smartest thing that you can do is get help from a Trusted Saskatoon Mortgage Broker who has access to over 20 lenders that want your business! The experienced  Saskatoon mortgage team at YourMortgageNow can also guarantee you a rate for 120 days in advance of your renewal date. Think about the thousands of dollars that this will save you in interest costs alone! There can be fees associated with transferring your mortgage to get a better interest rate, but sometimes the new lender will cover the costs just to obtain your business!


Do you think it's smarter to renew your mortgage with a bank?


The YourMortgageNow team urges you to read our articles on the Bank Vs Mortgage Broker debate, then ask yourself the following:

 

•    Why won’t my bank provide me with a 120 day, low rate guarantee?

•    Why isn’t my bank giving me the best deal possible?

•    Why is my bank sending me a renewal notice and not sitting down to talk to me

 

It just makes sense to have someone shop around for your best interest rate, you can TRUST them to do it for you, and you have nothing to lose!






APPLY ONLINE NOW or contact them today, it won’t cost you a penny!

 

If you have any questions regarding this topic, please give them a call today at (306) 244-7755 or email them at devinandwes@yourmortgagenow.ca

 

Find them on Facebook here! 




Trusted Sara's Trusted Saskatoon 2018 Fitness Focus Challenge -Week Four -Nothing to see here

Trusted Saskatoon owner and founder Sara Wheelwright recently accepted a fitness challenge from the excellent team at Trusted Saskatoon gym Fitness Focus. Over the next few months, you can follow along on her fitness journey as she blogs and video journals her motivations, successes, failures, frustration and her pain as she struggles to get fit and fabulous in her forties!  


Fitness Focus Challenge -Week Four- Sara Fell Off The Fitness Wagon...HARD.



Well, it happened ....what happened? 

LIFE, Life happened.

The biggest barrier to me starting this fitness challenge before now, was my life is so hectic and often it sabotages my plans to prioritize myself. This has been the case so far in June. My last work out with Denise was May 31st and every time I have tried to go to the gym since then something has wrecked my plans. 

I was on a cancellation list for the periodontist - and 2 appointments in 1 day came available so I had to take them, an unplanned business road trip to Manitoba robbed me of another 2 days, Trusted 7th-anniversary event, a family event in Regina, my son's school city track meet- one thing after another conspired to stop me moving. Then the events - with wine and food. Essentially taking 2 hours to go to the gym would have meant missing client deadlines or important family moments - and I wasn't getting to bed till at least 11 pm every night ( sometimes not getting in from work stuff till then). 

Activity? What activity?


See my Fitbit for visual representation! I dropped from averaging over 75,000 steps a week to my ' old habits ' of just over 40,000. I did go paddleboarding and walking at the lake this weekend, fit in a bike ride with my kids last Sunday night and tried to walk the stairs ...but as you can see it wasn't enough. 

Weigh-In

This, of course, means I didn't lose any weight, in fact, I put 1lb back on and I feel like 2 big steps back as my energy levels have dropped off. 

I can't express to you how much I am disappointed in myself, as I should have cut back / modified my food ( and drink ) intake to accommodate my crazy schedules impact - but I also failed miserably at that too. 

So I failed - this is when people normally quit ( and when I have before to be honest ), but I am not going to let this happen. 
It happened, its done - now time to start over again! 

I have booked 6 more Denise sessions, my first is on Wednesday- I am going to go to the gym at least 5 days this week and will be sticking to salads and shakes for the foreseeable future. 


ROUNDUP

Postive of week 3-4 

  • I ONLY gained 1.LB back. 
  • I was able to be there all day  to see my son compete at track and field ( he was awesome) 
  • Trusted had an amazing 7th-anniversary event-  my clients are amazing and all the extra work / long hours has resulted in lots of new contracts/work for the team.  
Negatives from week 1

  • Too many to mention.  
Week 3 goals

1. Eat salads and drink less ( I see a theme here )
2. Take the 5 flights of stairs to the office instead of the elevator.
3. Increase Cardio on all days - I need to speed up the fat burn. 
4. Go to bed earlier!   

 Wish me luck. 


 

Trusted Saskatoon Mortgage Broker Tammy Wandzura Gives Tips About Down Payments

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.


Tammy Wandzura Tips on How to Save for a Down Payment


Wanting to start preparing for HOMEOWNERSHIP? Wanting to PURCHASE your FIRST HOME? With the right advice – you are closer than you think!


4 Major Things to Consider:


#1: Well Established Credit



It is more important than ever to have your best Credit score possible going into the mortgage pre-approval process. Your mortgage rate and your pre-approval limit will be based on what your credit score is and how strong your past credit history is. There are some fairly basic rules for building a strong credit report from scratch (or after issues with your credit).

  • Every lender and insurer prefers to see that you have TWO pieces of well-paid and well-maintained credit for TWO full years. *on exception, we can consider one year *but* ideally a strong 2-year history will give you the most flexibility.
  • Ideally, it is best if you have TWO credit cards that have been reporting to the credit bureau for TWO years.
    • NOTE: The lender is looking to see if the credit has been WELL PAID and WELL MANAGED

What Does WELL PAID and WELL MANAGED Mean?

WELL PAID:

On credit cards or a Line of Credit if you hold ANY balance you are required to make a minimum payment every 30 days. There are no exceptions and double payments do not count.

WELL MAINTAINED:

Example: If you have a credit card with a limit of $5000 it is important that if you are holding a balance it is LESS than 50% of the limit (in this example $2500 or less). As soon as the balance starts creeping up to the limit (or over) it will drag your credit score down quickly. (This means that if you go to your favorite electronics store and make a big purchase on your credit card with intentions of paying it off within a short period of time…BUT the credit bureau company collects the information on your file in the meantime -and you are at your MAX- you could affect your ability to qualify for a mortgage.) DO NOT apply for too much credit.  Applying for credit regularly will damage your credit score and affect your ability to qualify for a mortgage. 

CHOOSE the credit cards you apply for carefully.  Some cards have hefty annual fees.  If you do not plan to use your card you may want to consider a NO FEE card OR you may want to research the best cards on the market for collecting points. (Many people use their card regularly to earn travel/cash back or reward points. This can be a very good way to earn “free” rewards but it is important you are savvy and pay off your balance every single month.)


#2: Down Payment

Minimum down payment to purchase an OWNER-OCCUPIED home in Canada is 5%. Example: Purchase Price $300,000.00 x 5% = $15,000.00 Down payment needed. You are also required to have money set aside for “closing costs” (legal fees). These costs vary from Province to Province and are based on the purchase price of the home. On an average, the cost is approximately $3000 or less. You may be asked by your lender to prove that you have more available as “back up”. Typically, acceptable proof of down payment would be proof of savings/investments/RRSPs OR a GIFT from a family member.

How to Save when you have month to month bills??

Every little bit helps and the lenders and insurers see strength in applicants that have worked to save all or a portion of their own down payment. Let’s call it having “skin in the game.” 


A FEW SIMPLE EXAMPLES:

Throughout her life she has always calculated each of her purchases (big or small) against Minimum Wage. That is what she started making when she hit the workforce and many people still do. When she is considering a coffee – She decides if she wants to make a cup at home and take it with her (.33c) or stop at Tim Horton’s ($2.75) OR …Starbucks… ($5++) AT $5.00 that would be approximately (give or take) a HALF HOUR of work!  NOW- is that worth it (every day) Skip the Starbucks.

She has taught her kids this. When they were working part-time already they understood the “minimum wage” idea.  For example, they bring a can of bug spray to soccer ($10)- lend it out to a friend and proceed to “lose it”.  She gives them the example of ONE hour of work for that one can of bug spray…and somehow it magically appears next game. They made it a priority to find it because that one hour of work for a can of bug spray seemed outrageous (and) it is!!

Build the minimum wage mentality into your budget. 

If you are earning Minimum wage think closely on how long it would take you to earn the money you plan to spend.  If you earn more (or significantly more) it is still an amazing measuring stick to put yourself in check on day to day purchases. When she is buying groceries– It has taken her years to figure this out.  Make a meal plan. Make the grocery list and then stick to it.  Better yet- check out the online grocery services that Superstore has.  You can go through ONLINE and price check your volumes vs price/brand etc. You are not tempted to throw things in your cart that you do not need. At the end when you check out if your bill is larger than you expected you can go back and remove things you may not need. Netflix vs Cable- She has Cable (her husband is a Sport’s guy) but they watch Netflix 99% of the time. Going 100% Netflix does not have to be a forever plan.  It can be a right now plan to help you save towards your future goals.  Remember every little bit helps. 

#3: Income

 

Income, of course, is a MAJOR component in any mortgage approval. Some income and employment situations are very “black and white”. Others are UNIQUE. Ideally, they are looking for full time, guaranteed salary hourly employeesEvery single family may have unique things we need to consider when looking at employment. Maybe MRS. is on MAT LEAVE. Maybe MR gets paid by the mile.  Maybe one of the applicants is a Nurse but has a “casual” job status vs a “permanent” status.

THE KEY: Remember the lender(s) are looking for consistency. 

In the examples, she gave above:

  • Many lenders will consider “back to work income” to be used for anyone on a maternity or paternity leave.
  • Paid by the job or mile? Lenders need to see what your 2 year T4 average looks like to consider using any income.
  • Not a permanent employee BUT picking up full time (or more hours?) Still need that 2-year average to use your income.
  • Self-employed? The 2-year average of your Line 150 Taxable income to Revenue Canada.

Generally speaking, if you do not have a full time, permanent guaranteed hourly or salary position you have to fall back on averages. They are here to help you wade through the lender guidelines, review your income and help you prepare for mortgage approval. In some cases, they have some flexible solutions or suggestions with the situations we are reviewing.

Considering an employment change RIGHT before starting the house hunting process? Talk to her first. Your new employment opportunity MAY affect your ability to qualify for a mortgage. 


#4: Debt Load





There is not a topic that she is more passionate about talking about. DEBT LOAD is one of the biggest reasons most applicants are declined to qualify for a mortgage. One of the major pieces of the mortgage approval puzzle is your DEBT vs INCOME RATIOS.

The lender(s) and CMHC need to look at your current debt (car loans, credit card debt, student loan debt, boat loan debt etc.) + the new mortgage payment + the property taxes + a heat cost must be no higher than 40-44% of your overall Gross income. Most car payments will eat deeply into the average family’s monthly income. Did you know that if you have a Line of Credit that has (as an example) $15,000 owed on it- and your minimum payment is $100/month…they have to use $450/month (3% of the balance) to qualify your application???!???  (Government guideline every lender follows).  When you are running your own numbers and affordability- it may be drastically different than what the bank will accept. Work hard to keep your debt LOW. BUY the HOME and then the car.

STUDENTS: 

Work in the Summers- bring that student loan debt down as much as you can while you are a student so that it does not affect your ability to “start your life” when you choose to. She works with clients every day that have made decisions in the PAST that is seriously impacting their ability to proceed with FUTURE PLANS. Thinking of going to school?  Consider this example below and be very cautious on “what” you are charging to your student loans. They can follow you for a long time if you do not put a good plan together from the beginning.

Example:

A young couple goes into the bank – banker is rude. Tells the young couple to come back when they are “making money”. The banker does not show them the numbers or explain things in detail.

Clients contact my office.

  • I go through the full application
  • MRS works at McDonald’s and is currently on Maternity leave. (overall annual income is fairly low)
  • MR works in retail. (overall annual income is fairly low)
  • They have one baby and one on the way.
  • I run their credit….
  • To find they have $131,000.00 in UNSECURED debt. (credit cards, lines of credit, student loans) and over $2390/month in minimum payments.


Moral of the story; these clients do not qualify to purchase a home and likely will not for many years. The issues with their scenario are how deep in debt they are. $84,300 in Student loan debt alone.


Want to make a plan to become a homeowner?  That is what she is here for.  Contact Tammy Wandzura anytime and she can review your current details, your future plans and tailor a plan to ensure you are on the right track!









Call Tammy Wandzura today at 306 933.3386 for all of your Saskatoon mortgage needs OR visit www.elitemortgagechoice.com

Make an appointment with Tammy Wandzura at TMG, #1-511 1st Ave N or check out her listing on the SASKATOON DIRECTORY in the SASKATOON MORTGAGES Category. She is a Trusted SASKATOON MORTGAGE BROKER Expert!


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ADDRESS

S & E Trusted Online Directories Inc
TrustedSaskatoon.com
129 21st St E #400
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

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