Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon team brags about Trusted Saskatoon Mortgage Broker Kristi Knippel

The Trusted Saskatoon directory team are thrilled to welcome Kristi Knippel to the Trusted Saskatoon community. You will find her Kristi's listing in the Saskatoon Mortgage Brokers category on the Saskatoon directory of excellence. 

What qualifies Kristi Knippel to be a Trusted Saskatoon mortgage expert? 

When you meet Kristi Knippel for the first time you will feel the warmth she radiates! 
Her client's mortgage needs are of utmost importance to her, but you know that it is more than just a business transaction, she is a mortgage professional and she offers expert advice, but beyond that, she truly cares about her clients! 

This attitude is what has driven the success of Kristi's business and the majority of her business comes from the 3 R's - Referrals, Recommendations and Repeat business! 

Kristi came highly recommended and she was nominated by Trusted Saskatoon real estate agent Kari Calder.  Kari Calder is one of Saskatoons top REALTORS ® and she only works with partners who can deliver excellence consistently! She told us Kristi would be a perfect fit for the Trusted Saskatoon Mortgage Category and after speaking with more of Kristi's clients as part of our unique Trusted verification process, we cant argue with her! 

Don't take our word for it, read what her happy clients had to say! 

"Counselled us this last year on our mortgage options. Kristi provided us outstanding service, made us feel cared for and went out of her way to stay in touch,"- Tonia (Saskatoon)

"Kristi offers honest advice and thinks of the customer first. She runs her business with integrity and ensures what she offers is the best advice for her clients, " - Kory Hniden (Saskatoon)

"Really felt like Kristi focussed on what was right for me and she was very helpful. She made this big life step very comfortable and I would definitely recommend her," - Sharon Bercheidt

Interesting Kristi Fact

Kristi loves gold pineapples, she has quite the collection!!  

"Friends, Family and clients all know I have a longtime love for pineapples. 🍍So why do I love the Pineapple so much? 🍍The Pineapple signifies hospitality. It has a long history as a symbol for expressing a sense of welcome, good cheer, & family affection. New England Sea Captains traditionally placed a pineapple outside of their homes as a symbol for a safe return. Let the pineapple be a reminder to embrace friendships, celebrate homecomings and encourage good times. It’s just the perfect symbol for my life and my business & has been for many years." ❤️🍍❤️🍍❤️🍍 Kristi Knippel


We are proud to promote and give the thumbs up to Kristi Knippel as a Trusted Saskatoon Mortgage Broker 
Mortgage Broker Lic. #316748
SK Brokerage No. 316566



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!


Palliser Rooms EQ3 Introduces The Newest Product to Their Collection

Palliser Rooms EQ3 is an independent furniture store that has been operating in Saskatoon for over ten years. The store specializes in offering a generous selection of contemporary furnishings (predominantly Canadian brands) and a personalized service that is forward-thinking and client-focused. Customer reviews describe Palliser Rooms as a "great shopping experience," "with exceptional sales staff," "best displays and best furniture in town," and the kicker: "great delivery service." The comments reflect the company's commitment to providing excellent customer service and speak to their impeccable taste and attention to detail. 

They are your Trusted Saskatoon Furniture Experts


Introducing the Newest Product by Palliser Rooms EQ3 - The Kenaston


The Kenaston collection takes advantage of modern technology to offer luxurious comfort. A classic family-friendly collection, the Kenaston features a power headrest, power lumbar support, and an extended power footrest, allowing for complete customized comfort.



The collection offers clean styling that is complemented by a T-cushion full chaise, providing support for the entire body when fully reclined. Featuring plush fiber-filled cushions and seats that are topped with a layer of gel-infused memory foam, the Kenaston molds to the body for added comfort. The box-border back cushion is highlighted with beautiful topstitching details, offering added comfort and contributing to the visual appeal of the collection.

The power headrest, recline and lumbar functions are easily operated by a sleek brushed metal switch with integrated USB charging. With a convenient home button, all power functions will easily and quickly return to the fully closed position. The collection also has a console loveseat with drink holders and extra storage.

Visit their showroom, and try the power lumbar and headrest functions - you won't be disappointed!

Shop the Kenaston Collection!



Palliser Rooms / EQ3 is an independently owned, family run business in Saskatoon, SK. Palliser Rooms has always taken pride in supporting local charities including the Ronald McDonald House and Children's Wish Foundation. Visit their Spotlight Profile to learn more about Palliser Rooms / EQ3. If you are looking for some cool dining furniture, drop by the Palliser Rooms / EQ3 showroom at 2125 Faithfull Avenue.



Find Palliser online at www.pallisereq3.com  or go to their listing in SASKATOON FURNITURE here, or go and visit their massive showroom on Faithfull Ave, Saskatoon... they are on THE Saskatoon directory of excellence ..they are your Saskatoon Furniture experts!



Experts at Gibbon Heating and Air Conditioning Give Troubleshooting Tips About Furnaces

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 and Air Conditioning are TRUSTED SASKATOON Air Conditioning & Furnace Professionals


Gibbon Heating and Air Conditioning Experts Give Tips for Troubleshooting Furnaces




GIBBON’S SASKATOON FURNACE TROUBLESHOOTING TIPS

 

Check Your Furnace Switch


Often this switch (that looks like a light switch) can be accidentally turned off.


Furnace Venting (High Efficient)


With a high efficient furnace, there are 2 plastic pipes going outside, one is an exhaust and the other an intake. When it is cold outside, these pipes can frost over or with lots of snowfall get plugged with snow and this causes the furnace to turn off on a safety switch. Visually check the piping for blockage, if there is, clear and power down the furnace and turn back on – this will reset the board and unit should start up.

 

 

Check the Thermostat


One of the most common issues with a furnace is that it stops operating normally due to issues with the thermostat. It could be as simple as the thermostat being turned off, or maybe it isn’t set correctly. You always want to make sure that it is set to the “heat” setting and that the temperature you want is set properly.


Check Your Breaker Panel


One of the more embarrassing fixes is a thrown breaker. There are many reasons for a breaker to trip, but the important thing is to quickly check. Hopefully, your electrical panel is labeled, but if not, you can usually see when a breaker is tripped. It is possible that your furnace and blower are on separate circuits, so look carefully.



Change the Furnace Filter Monthly


You would be surprised at how quickly dirty filters can degrade the performance of a furnace. When filters are dirty, your furnace has to work much harder to blow air through the dirt and dust on the filter. As the pressure builds up, it could cause the blower to shut down. It’s as easy as checking your filters on a monthly basis and changing them if they are dirty.


Clean the Fan Unit Regularly


Similar to a dirty furnace, a dirty or clogged fan unit will also make it harder for your furnace to push air through your house like it was designed to do. Removing a furnace fan unit requires a bit of technical know-how, but it is fairly simple and safe. Once you have it out, you can clean it with a brush or cloth, and a vacuum.


Check Ductwork for Debris and Joints


Sometimes it seems like it is only one or a few rooms that are not getting heat. If this happens, quickly check to see if all of the registers are opened properly and the cold air returns are not blocked. It is also a good idea to check all accessible ductwork to see if there are any issues with joints and seams.


Check the Gas Valve


It is also possible that the gas valve could have been accidentally bumped or shut off. It can happen if working around the furnace, moving things or even just cleaning up. Gas valves are labeled clearly and you can feel safe turning it to the on position. Once you have it in the right position, the furnace should start up again.


Common Repair Issues that Require Expertise


Wear and Tear on Furnace Parts


Your furnace parts will eventually break down and start to wear out. There are a lot of parts that can wear out including Belts, bearings, filters, motors, switches, fan blades, pilot, and burners—all should be regularly checked to ensure they are in good working order.


Thermostat Errors


Your furnace thermostat is the brain of your heating system. It is possible that the furnace is working just fine even though the thermostat is failing and causing it to act like there is something wrong. Troubleshooting a thermostat can be tricky and a trained technician will have all of the testing tools required.


Ignition Issues


The ignition and pilot system is critical to your furnace for producing heat. Without a properly functioning ignition system, it is not possible for your furnace to produce heat. There are many ignition systems including electric-powered (electrical spark), and gas or hot surface ignition.


Strange Noises or Rumbles


Furnaces have moving parts with bearings like the blower motor, and as a result, there is some normal noise. However, if you begin to hear strange or intermittent sounds like clangs, bangs, rumbles, rattles, squeaks, or other noises, this can indicate all kinds of potential problems. Your heater may have ingested outside debris or been inhabited by household visitors. There may also be loose or detached parts.










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



 

Saskatoon Auto Repair and Service Experts at Glenwood Auto Explain Belts and Hoses and 2018 Vehicles with Low Maintenance Costs

At Glenwood Auto Service, they are committed to providing you exactly that. Your vehicle will be professionally diagnosed and top-quality parts will be installed by technicians with years of experience that you can trust. 

Glenwood Auto are Trusted Saskatoon Auto Repair & service experts

Glenwood Auto Explains Belts and Hoses and Shares 2018 Vehicles with Lowest Maintenance Costs


At Glenwood they believe that staying on top of regular maintenance keeps your vehicle running better for longer. Glenwood Auto are Trusted Saskatoon Auto Repair Experts, and they are ready to help you with all your maintenance needs. In their latest auto blog, they discussed the role of belts and hoses in your vehicle.

 

Here is some advice and facts from the experts at Glenwood themselves:


Vehicle Systems Overview - Belts and Hoses







What are the belt and hoses?

A vehicle’s belts and hoses are essential elements of the cooling, air conditioning and charging systems of the engine.  When a belt or hose breaks down it can leave you stranded, so it is important to meet the set replacement intervals recommended in your owner’s manual.


What do belts and hoses do?



Timing Belt 

The timing belt is a notched rubber belt that allows the crankshaft to turn the camshaft. A timing belt is sometimes called a Gilmer belt or a camshaft drive belt. The camshaft opens and closes the valves in synchronized movement with the engine’s pistons.

 

Serpentine Belt

Serpentine belts, also known as drive belts, provide power to the air conditioning compressor, power steering pump, cooling fan, air injection pump, and more.


Coolant Hoses

Coolant hoses include the upper and lower radiator hoses plus heater hoses. Some cars include a bypass hose. Hoses provide a flexible connection for coolant flow between the engine, radiator, engine and heating block.


TYPICAL WEAR AND TEAR ON BELTS AND HOSES

Key items that affect the replacement interval for belts and hoses:

  • Vehicle age;
  • Electrolytic corrosion;
  • Mileage;
  • Oil contamination;
  • Belt tension; and/or
  • Failed hose clamps.

 

SYMPTOMS

  • Squeaking noise from under the hood during start-up or operation;
  • Coolant leaks;
  • Dashboard light illumination;
  • A/C system failure;
  • Engine overheating; and/or
  • Smell of burnt rubber.




Glenwood Auto Service Shares 2018 Vehicles With The Lowest Maintenance Costs



Kelley Blue Book announced the winners of its seventh annual 5-Year Cost to Own Awards where Hyundai took the win on the lowest maintenance costs and repair side of things, followed by Acura.

 

The 2018 Hyundai Accent came out on top for maintenance and repair costs. Over the course of 5 years, customers would pay $3,002 to take care of their vehicle, or about $600 per year. Kelley Blue Book pegged repair costs at $553, with the costs of maintenance being $2,449 (all prices in U.S. dollars).

 Hyundai was named this year’s top brand for lowest total ownership costs, the second time it has finished on top since the program was created. Hyundai models won thanks to top marks in almost all categories, such as low repair costs and superior warranty program. Its Sonata model won in the mid-size car category, with the Elantra and the Accent coming in second place in the compact and subcompact car categories.

 

Acura took the win for the best luxury brand for the third year in a row, backed by its ILX and MDX models.

 


In particular, the 2018 ILX saw repair and maintenance costs come in at $3,521 over the first five years or $704 annually. Kelley Blue Book listed repairs at $1,154 and maintenance at $2,367.


Third place belonged to the 2018 Chevrolet Spark, which won for the best subcompact car. The maintenance and repair costs are estimated at $3,950 which would equal out to paying $790 a year. The repair costs amount to $1,869 with maintenance costs sitting at $2,081, according to Kelly Blue Book.

On average, in all 23 categories of the vehicle winners, the costs of repairs over the course of 5 years is around $1,550 with maintenance at $2,718 – or $4,268 combined.


The 5-year Cost to Own information takes into consideration the areas of the vehicle that people’s money goes into like depreciation, expected fuel costs, finance and insurance fees, maintenance and repair costs, and state fees. These categories are all areas that come into play when making a vehicle purchase.


Glenwood Auto is a Trusted Saskatoon Auto Repair and Service Shop


 



Even the highest quality vehicles need regular maintenance. If you need maintenance or repairs, book an appointment with Glenwood Auto today!



Find Glenwood in both the Saskatoon Tires and Saskatoon Auto Repair & Service Categories 

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129 21st St E #400
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Ph: 306.244.4150

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