Trusted Tips and Resources

Trusted Tips & Resources

SASKATOON MORTGAGE BROKER Tammy Wandzura answers SASKATOON DIRECTORY fans MORTGAGE questions!

www.trustedsaskatoon.com  has evolved from just a SASKATOON DIRECTORY into a comprehensive Saskatoon resource tool when people are doing research BEFORE they buy.

We know that 95% of Canadians 25million plus internet users, do research online before they purchase...generally the more money something is...or the less they know about the subject ( that could be something like painiting and design or perhaps they want to learn more about Investing their savings) the more time will be spent researching and educating....now on each of the 40 category pages there is a link next to the category title: click here for tips and resources...when you click you are taken to our blog directory....just select the subject you are interested in from the Trusted Tips..or simply pick the category from the TAG cloud and see everything we have from our experts on the subject you are interested in........Smart and Simple...as always!!

Here our SASKATOON MORTGAGE EXPERT Tammy Wandzura answer some really timely FB fans questions on MORTGAGES in SASKATOON!

Summer Walker asked “ I want to know how to get the best mortgage rate possible from banks. What do you need to go in with to guarantee you get a low rate. What are the right questions to ask to get the lower rate. I know banks won't just offer it right away. First time home buyer here”

 

Tammy Wandzura a Trusted Saskatoon Mortgage Broker Expert said:

 “ Hi Summer, the traditional lenders do not offer their best rates up front. There is no way to know if they are offering their best rate. Typically they start high and only lower the rate if they know they are in a competitive situation. That is the beauty of working with a Mortgage Broker. We offer the best rates up front (from the same lenders that you are struggling with)

 

Kimberly Denis Robillard asked “ realistically, How much money should I have for a down payment on my first home? I won't be looking for another 2 yrs and I will be looking for a modest 3 bedroom. Sometimes I feel so overwhelmed when it comes to home ownership.”

Tammy Wandzura a Trusted Saskatoon Mortgage Expert answered

“ Hi Kimberly, the current rules (subject and rumoured to change in the future) is that you require 5% down to purchase a home. We have numerous programs available at this time to assist clients with Free down payment options, but there are many benefits to larger % down payments.”

There you have it folks...Trusted Tips from a Trusted SASKATOON MORTGAGE Expertsright here in Saskatoon...we are the Peoples SASAKATOON DIRECTORY and we care about you! 

 

Thanks Tammy Wandzura...you gave us Smart and simple responses....and to the point...

Stay Trusted my SASKATOON Directory friends..SAFE and TRUSTED of course!

WISEGUYS MATTRESS are SASKATOONS MATTRESS Experts..here they share a Trusted tip we all need to hear!

Wiseguys Mattresses Saskatoon offer incredible value to their customers through a boutique style shopping experience, customized service and unbeatable prices. They aim to have every customer leave the store confident in their decision to buy, and with a guaranteed good night's sleep on their best SASKATOON MATTRESS.

Mark from Wiseguys Mattress,  Saskatoon Mattress experts, shares a Trusted tip

Everyone always asks me ' Mark..what's the best bed I sell?'  I always answer, "The one that works best for you."

When buying a bed, the person you are dealing with should be asking you questions to guide you towards something designed for your sleep needs. Every body is different and there are general rules to go by, but at the end of the day you should go with what you find comfortable. Here are two things to keep in mind when looking for a new mattress...

1: Always make sure you get a minimum 30 day sleep satisfaction with your purchase

YOU SHOULD NOT HAVE TO BUY ANYTHING ELSE BUT THE MATTRESS TO GET THAT. If you are told that you must purchase a mattress pad or protector to receive a sleep guarantee; then they don't care if you’re happy, they just want more money from you. I sell protectors and HIGHLY recommend them, but you should never have to buy one just for a warranty. Some places will even tell you that you would have no warranty on your bed unless you buy their mattress pad. THIS IS TOTALLY FALSE. You ALWAYS have a manufacturer’s warranty on a new product. I would never recommend purchasing extra or extended warranty for your mattress; the manufacture’s warranty and a good mattress protector are all you ever need. Paying for extra warranty is simply a way to separate you from your money.

2: Never fall for terms like pedic.., chiro.., back.., doctor.., posture... etc on mattresses or brands.

These terms are thrown around all the time to give you the illusion that they are "good" for your back. Every manufacture will use terms like this on mattresses which will have nothing to do with back support at all. Many manufactures have endorsements from institutions or organizations, or work in conjunction with institutions, which is great, but if this is their main selling point, well maybe that’s all they really have, just a paid endorsement. Some brands that I carry have endorsements, but I don't even mention it to my customers. Why? Because nothing should be influencing your decision except comfort. Nobody can tell you what’s right for you, except YOU.

Listen to Mark...he's " Da Boss"  after all..and he works in YOUR best interests..guaranteed!

Find Wiseguys Mattress , Circle Dr. E. Saskatoon,fan them on Facebook or check out their listing here in the Saskatoon Furniture Category on THE Saskatoon Directory of excellence. They are YOUR Trusted SASKATOON MATTRESS Experts right here in Saskatoon!

Trusted SASKATOON CONTRACTOR and RENOVATIONS Expert answers a Question from a Trusted Facebook Fan!

A Trustedsaskatoon.com Face Book fan Cathie Calarco-Watson asked a great question

  “ What is the checklist to follow when seeking a new home builder or renovation company? (credentials, references, association memberships etc). As it is the largest investment one typically makes, it is critical to know you can trust your contractor, particularly in a time of economic growth where "everyone" is a builder/contractor. A friend of mine just lost over $20,000 to a contractor who never completed the job and is nowhere to be found. Do your "homework"”


“ Cathie, I am very sorry to hear about your friend's unpleasant experience with his contractor. Unfortunately, it is not uncommon for homeowners to be ,let’s say " ripped off " by a contractor that is suddenly nowhere to be found. I hear about these all the time. I advise homeowners to look at a process which involves some homework. Everyone has a track record in this industry and simply following up with referrals of previous customers is one of the easiest ways to start your research. Another great starting point is finding out if they belong to any associations and if there are any complaints registered against them. You should also find out how long have they been in business, if they are registered to work in Saskatchewan, if they have liability and WCB insurance and if they "get it in writing" with written contracts, receipts for work invoiced and deposits that are taken in advance.

Feel free to use the checklist below as a tool to find your contractor.

  __ Ask for references from previous customers - follow up by actually contacting them and find out their work, their service and their professionalism

__ Ask for an actual copy of their business liability certificate and letter of good standing from WCB

__ Ask if the contractor will take out a permit and if they can meet the inspection requirements

__ Ask for a copy of their business registration or GST number

__ Ask if there is warranty

__ Find out if there are any complaints registered against them

__ Ask how long they have been in business

__ Find out what associations they belong to

__ Review their construction contract (you may even want to have a laywer review each clause before you enter in to the agreement)

__ Meet with your contractor and find out if they are a suitable match to your needs - can they bring suggestions to the table, are they clear, are they are responsive to your questions / concerns. "

Dave Anderchek, President Platinum Homes Plus Incorporated

 

As always, the BEST advice is to choose a TRUSTED SASKATOON CONTRACTOR expert ..you'll be glad you did!

 You don't want a house like this

Stay Trusted my friends..SAFE & TRUSTED of course!

 


SASKATOON FINANCIAL ADVISOR share a Trusted Tip on Critical illness Insurance


Cancer survivor reveals why “it is worthwhile to have insurance”

Karen Timchuk is a critical illness insurance policyholder who, when faced with a critical illness, was able to keep her retirement plans on track. This is her story.

In late 2009, only a few years after purchasing her policy, Karen suffered sudden back and abdominal pain which, when investigated, revealed both non-Hodgkin’s lymphoma and colon cancer. “Needless to say, December was dark and gloomy for me,” Karen says. “The fact I was going to get $100,000 was the only good news I got that month.” Karen used the funds to cover the cost of chemotherapy-related drugs not covered by her health plan, take a holiday with her spouse in between chemotherapy treatments and keep up her pension plan contributions. “I was on long-term disability from my job and had to pay over $10,000 into my pension for the 11 months I was off,” she explains. “My plan is to retire in 2014. If I couldn’t afford the pension contribution, I wouldn’t be able to retire on schedule.” Karen also had some concerns knowing non-Hodgkin’s lymphoma can recur. But the benefit amount she purchased allowed her to set aside some funds as a security blanket in case of a relapse. Karen says she is thankful she made the decision to go with the insurance. As her parents both had a history of cancer, her policy was rated. “The premium was around $50 a month more with the rating,” says Karen. At that time, I was in my early forties and felt invincible,” she says. “But even with the rating, I still felt it was a good deal for me. I’m a believer and tell everyone it is worthwhile to have insurance.”

It’s important to remind ourselves that serious health problems can strike any of us at any time. Unforeseen events can derail your carefully thought-out retirement plans and have a devastating impact on your family finances. Imagine having to dip into your registered retirement savings plan (RRSP) savings or cease contributions to make mortgage payments and pay for drugs. Situations like these not only expose you to greater taxes, but can also short-change your retirement nest egg. Planning for the future involves more than just saving money; it involves planning for the unexpected.

SASKATOON MORTGAGE expert Trusted Tip on the SASKATOON DIRECTORY:"Does your mortgage broker or banker have the AMP designation?"

"Does your mortgage broker or banker have the AMP designation?"

AMP stands for "Accredited Mortgage Professional". It is the only national designation for Canada’s mortgage industry. CAAMP (Canadian Association of Accredited Mortgage Professionals) created the AMP designation in 2004 as part of their ongoing commitment to increase the level of professionalism in Canada’s mortgage industry. It upholds the highest standard of mortgage industry ethics and professional excellence. The AMP designation differentiates mortgage professionals from others in the mortgage industry. It demonstrates their commitment to providing you with the highest level of service while finding the best mortgage solution suited to your needs.

AMP’s are committed to finding the best mortgage for you, not the bank! They will explain all your mortgage options and provide you with peace of mind throughout the mortgage process. They can answer questions and provide knowledge from their high amount of education and experience in the mortgage industry. You’ll feel at ease when dealing with an AMP who has met the highest standards of industry performance, ethical business practices and commitment to ongoing education. A series of educational and mortgage experience requirements have to be met to receive the AMP designation and not everyone in the mortgage industry qualifies. As well, 12 + hours of educational courses &/or seminars are required yearly to renew the AMP designation. The AMP represents added value and access to the dedicated services of a professional who is focused on meeting your needs. Ask your banker, mortgage broker or mortgage specialist if they have their AMP designation? If not, look for the expertise of an AMP today!

For more information visit CAAMP’s website at: www.mortgageconsumer.org  

Find Trusted Saskatoon Mortgage brokers on THE Saskatoon directory of excellence. . 

www.trustedsaskatoon.com is the SASKATOON DIRECTORY of Trusted experts...yet we are MORE than just a Saskatoon Directory, we are a growing library of resources across many many categories.

Stay Trusted my Friends SAFE and TRUSTED Of course...always PURELY POSITIVE!  

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

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

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