The Trusted Saskatoon team believes giving back is always in style. We are proud members of the Saskatoon business community. We love our city and do what we can to support local events, non profits and to help individuals in need. This Christmas we want to help a local family in need! If you know a family who could do with help this Christmas ..please read on and nominate them!
THE FILLABLE NOMINATION FORM IS BELOW!!
A HUGE Thank you to Sven and the big hearted team at Fineline Developments - they stepped up to donate $500 to the chosen family and are title sponsors of the 2016 Trusted Saskatoon Community Christmas giving back initiative!
The Trusted Team are donating a $500 Trusted Saskatoon Gift Certificate - that can be used at any of the Trusted Saskatoon Partners featured and promoted on Saskatoon's Best Directory
- A big thank you also go's out to Jess and the team at Just For You Day Spa for donating a $100 spa certificate to the recipient family so Mum can have a much needed relax and pamper at a Trusted Saskatoon spa!
- Thank you Rob and the Glenwood Auto Service team - for stepping up to be turkey sponsors! They are Trusted Saskatoon auto service, repair and tire pro’s!
- Devin Cristo-Mortgage Link and Wes Will will donate $100 gift card for groceries! Thank you! They are with Your Mortgage Now! Trusted Saskatoon Mortgage Brokers!
Trusted Sakatoon tutors and educators
DOES YOUR HOLIDAY TO-DO LIST INCLUDE LEARNING?
Like most families, you and the kids are probably looking forward to a break from the normal hectic routine. No rushed mornings, no after-school homework battles, and lots of downtime spent with loved ones. While your holiday to-do list may include baking, decorating, and travelling, there’s one to-do item that shouldn’t be overlooked this holiday season: learning.
Scheduling holiday learning keeps kids on track academically, maintains school habits, and helps make the transition back-to-school post-holiday that much smoother.
But learning over the holidays doesn’t have to be boring! Keeping the cognitive wheels turning over the holiday break can be as simple as playing board games, reading books, or writing thank you cards.
Encourage kids to do at least one learning activity a day over the holidays to help them stay on track academically.
We don’t mean failing a FINAL exam is a good thing, but researchers have discovered that taking pretests (testing knowledge before actually learning course material) can help students better focus and retain information on key content, helping them do better overall in classes than if they merely studied as normal.
Why Failing an Exam is A Good Thing
“[A] (bombed) pretest drives home the information in a way that studying as usual does not. We fail, but we fail forward.”
As an article in the New York Times explains, students who were given pretests during multiple experiments generally scored higher than control group counterparts. Researchers believe that their wrong answers on pretests weren’t just useless shots in the dark; they actually primed students’ brains to receive the information to come, helping them learn and recall correct information more effectively later on.
Buying a home is one of the most important and exciting steps in your
life.... now figuring out 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!
The Federal Government has made some major changes to the mortgage
requirements effective October 17th, 2016. This
drastically changes how much first time home buyers can qualify for and the
qualification process they must go through. This change has been implemented
due to the concern that household debt levels are too high in Canada. Now all
mortgage clients qualify under a new “Stress Test” environment.
These new measures are to help cool off the hot housing markets in areas
in Canada. Unfortunately first time home buyers will feel the most impact from
this change. For example, if someone qualified for a $350k mortgage prior to
the change, they now will qualify for a $280k mortgage. It will affect buyers
overall purchase power by approx. 20-25%. This is going to continue to impact
buyers over at least the next six months as buyers adjust their expectations
about what home they are able to buy. After this adjustment period the market
will pick up again just like in past years.
The other aspect is that buyers with a deposit of at least 5% but less
than 20% must be backed by mortgage insurance. This protects the lender in the
event the home buyer defaults on a high rated mortgage. This can get
complicated as it affects lenders and can impact interest rates which are then
passed down to the buyer.
These changes will also make it a lot harder for first time home buyers
to purchase a home. There has already been an increase in the amount of first
time home buyers that require their parents to co-sign on their mortgage or
need to provide support with a large down payment.
It is so important for our children to be educated at a young age so
that they are prepared for when it comes time to buy their first home.
Otherwise we will see an increase in the age that children are still living at
home, maybe even into their 30’s!! Make sure that you talk to Your Mortgage Now
about the ways that you can help you or your children when the time comes to
purchase a home.
That is why Devin and Wes from Your Mortgage Now are informed and
want to ensure as a buyer that you understand the way your mortgage approval
will work with the new changes implemented by the Federal Government.
Bridge City Duct Cleaning, Trusted Saskatoon Furnace and Duct cleaning professionals know that cleaner air means a healthier home and a healthier you. With many years of experience in the HVAC industry, Bridge City Duct Cleaning provides you with a breath of fresh air every time you step into your home.
Why bother cleaning your furnace and ducts?
Fall is the right time to have your vents and ducts
serviced and cleaned by Bridge City Duct Cleaning, making them ready for the quickly approaching winter
Summer brings in a lot of dust, pet fur and dander and all sorts of allergens that can be trapped in duct work for weeks on end. This only comes out after the ducts and vents warm up and forced air blows this debris around your home or office. Avoid the mess and nuisance by getting the duct work and vents professionally cleaned and serviced prior by Bridge City Duct Cleaning.
Summer brings in a lot of dust, pet fur and dander and all sorts of allergens that can be trapped in duct work for weeks on end. This only comes out after the ducts and vents warm up and forced air blows this debris around your home or office. Avoid the mess and nuisance by getting the ductwork and vents professionally cleaned and serviced prior by your Trusted Saskatoon furnace and Duct Cleaners Bridge City Duct Cleaning,