Trusted Saskatoon Realtor Marla Janzen Explains The First Time Home Buyer Incentive

5. Jul 2019 Admin Saskatoon Real Estate, Trusted Tips

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.

Marla Janzen is a TRUSTED SASKATOON REAL ESTATE EXPERT listed on the SASKATOON DIRECTORY and she loves to provide Trusted Saskatoon real estate Tips that help the public!

The First Time Home Buyer Incentive

As an award winning Century 21 Fusion Saskatoon Real Estate Agent, Marla knows Saskatoon, Warman and the area extremely well. She takes action in order to sell her client's homes. She strives to find them the perfect new place to live while negotiating the best terms and price possible. She truly loves what she does and she takes great pride in providing excellence in customer service to all her clients. She feels blessed to live in Saskatchewan and she is a TRUSTED SASKATOON REAL ESTATE Agent.

By now you have likely heard about the buzz regarding The First Time Home Buyer Incentive (FTHBI), which will come into effect on September 2nd, for homes that close no earlier than November 1st. The Government of Canada is offering interest-free loans in the form of a shared equity mortgage to help home buyers obtain a smaller mortgage and keep their monthly payments lower. The program will offer 5% for a first-time buyer's purchase of a resale home and 5% of 10% for a first-time buyer's purchase of a newly constructed home.

The incentive can be repaid at any time without penalty, but it must be repaid after 25 years or if the property is sold, whichever comes first. Repayment is based on the property's fair market value. When the loan is repaid, the government will also get a share of any gains from appreciation of the property. Vice versa, if the property value goes down, the government will shoulder some of the loss.

In order to participate in the FTHBI, buyers must meet two main requirements:

# 1 - Be a first-time home buyer

# 2 - Have an annual income of less than $120,000

Buyers will still need to save their down payment of at least 5 percent and the maximum home price is limited to 4 times the buyers qualifying income. Let's look at an example:

Anita wants to buy a new home for $400,000:

Under the First-Time Home Buyer Incentive, Anita can apply to receive the $40,000 in a shared equity mortgage (10% of the cost of a new home) through the program. This is on top of the minimum required down payment of $20,000 (5% of the purchase price) from her savings. This lowers the amount she needs to borrow, and reduces her monthly expenses. As a result, Anita's mortgage is $228 less a month or $2,736 a year.

Years later, Anita has sold her first hoe for $420,000. At this time, she would have to repay the original incentive she received as a percentage of her home's current value. This would result in Anita repaying 10%, or $42,000 at the time of selling her house. -- www.placetocallhome.ca/fthbi

The program will certainly help some first-time home buyers. But it's important to remember although this is an interest-free loan, it is still a loan that will need to be paid back.

Contact Marla Janzen, she is one of the 3 Trusted Saskatoon Realtors! Marla is looking forward to helping you sell or buy your home! She loves what she does, and she takes great pride in providing excellence in customer service to all of her clients. She strives to find them the perfect new place to live while negotiating the best terms and price possible.

Find Marla Janzen Online at www.marlajanzen.com she is a Century 21 Fusion Realtor and Marla Janzen is TRUSTED SASKATOON REAL ESTATE EXPERT!

Trust JOB Heating & Air Conditioning with Saskatoon Heating And Furnace Needs

5. Jul 2019 Ally Saskatoon Directory, Saskatoon Furnace & Duct Cleaning, Talk to Experts, Trusted Partner News, Trusted Tips

JOB Heating & Air Conditioning’s wonderful staff will be more than happy to provide you with an estimate for any home comfort improvement that you have in mind. They also offer training classes at your personal site for maintenance and they also offer home heating tune-ups. JOB are Trusted Saskatoon Furnace experts and they can also help you with all your Saskatoon plumbing needs! In their latest Saskatoon furnace tip, owner Jeff Bolton, shares why you can trust JOB with your Saskatoon heating and furnace needs.

Is Replacing A Furnace Difficult?

I get this question quite often and the answer is no not for industry professionals like J.O.B Heating and Air Conditioning. We specialize in replacing furnaces, air conditioners and water heaters. In fact, many times we replace the furnace, air conditioner and water heater all in the same day. Our process is simple, you ask us to come in and offer you a quote for replacement. I will come over to your home at no charge (within a 30KM radius of Saskatoon), I will view your old furnace and equipment. Look over the venting options and make sure that there are no unforeseen hiccups. Sometimes these hiccups do happen but when we see them ahead of the install date and plan for them then it becomes a seamless replacement.

You want to be wary of the company that will offer you an estimate over the phone or the contractors that don't spend any time looking at your equipment or the install. They will say that they are "bonded" and you have nothing to fear. This may not always be the case. To be bonded simply means that in order to get as gas licence we need to put up a $5000 bond. Yes, that’s all that's required $5000. This is why it is important to choose a contractor that would not only be licensed and bonded but would be part of professional groups such as the Sask Energy Network or Trusted Saskatoon.com. J.O.B Heating and Air Conditioning is very proud to be a part of both of these professional organizations.

Being part of Trusted Saskatoon.com means that Trusted has looked behind the curtain and found that we are a company with high moral values. We also agree to uphold the 5 Trusted guarantees. Being a Sask Energy Network member also requires a high level of professionalism and Trust. J.O.B Heating and Air Conditioning carry a $5 million dollar liability policy when most companies carry $2million. We proudly share our WCB letter of good standing and a copy of our insurance certificate with every quote we do.

J.O.B Heating and Air Conditioning will make the replacement of your HVAC equipment an easy process. With the new Sask Energy furnace replacement plan and our financing options, there has never been a better time to replace your furnace, air conditioner and water heater. Don't be worried about an old or untrustworthy furnace, call J.O.B Heating today for peace of mind.

"Your comfort is our concern"

At J.O.B Heating and Air they strive to hold up the values of Trusted Saskatoon! Find them online at www.jobheating.com or check out their listing here in the Saskatoon AIR CONDITIONING & FURNACE Directory of excellence!

J & S Picture Frame Warehouse Share 6 Reasons Why You Should Consider Framing

2. Jul 2019 Admin Saskatoon Framing, Saskatoon Photography & Framing, Trusted Tips

The J & S Picture Frame Warehouse team believes that your pictures deserve the best! Locally owned and operated, they constantly strive to bring their customers the best materials, advice and workmanship for all of your framing needs. They simply offer the best selection of materials to preserve your treasures, keepsakes and works of art in Saskatoon. J & S Picture Frame Warehouse are your Trusted Saskatoon Picture Framers. In their latest article Read their 6 top tips about custom picture framing

# 1 - Aesthetic Component:

The aesthetic component of a custom frame can enhance your artwork, photo or keepsake -- giving your piece that special finished look. As well as adding some PIZZAZZ to your home décor and showing your own taste and style. J & S Picture Frame Warehouse is a qualified picture framing designer and they will help you with your choices.

"We chose warm mats and a golf frame and fillet for this Venice painting. It really suited it."

# 2 - Preservation:

The practical or preservation part of custom framing helps to ensure the piece is protected from fading and the breaking down of the art to become damaged. Preservation of custom framing helps to prevent damage to art before it's too late. When your art has been damaged, it is almost impossible to restore it without the help of a professional restoration expert. For any piece that is valuable, collectable, or just has great sentimental value to you -- it's important to use the right materials to preserve it in order for proper protection.

# 3 - Custom Framing:

Custom framing can be applied to almost anything. From one painting to a photo, to needlework, or any 3-dimensional keepsakes. Don't be put off by the term Custom Framing.

People often associate it with being expensive, which isn't always the case. At J & S, they use options to prevent expensive pricing for their customers. They can use a stock frame and then customize the matting and glazing to protect your artwork, or they can use a moulding that is not so costly. Show the framing experts and they will do their best to work within your budget.

"This picture was to be placed in a man cave. We matched a rusty looking frame up with the rust on the truck. The results were outstanding."

# 4 - Customizing Mirrors:

Framed mirrors can add so much to your living space.

Mirrors can make your room look larger and lighter with the right placement. A framed mirror will also add character and style to your space.

# 5 - Old Photo Restoration:

Old family photographs, old wedding photographs, and birth certificates can be restored to look like new.

At J & S, they do this by scanning the damaged piece and using the computer to restore it to its original state. The piece is then printed on acid-free paper, using UV inks so they will last for generations to come. The file can be kept by you to share with the rest of your family. You can now frame that piece of family history and enjoy it every day. It is protected, no matter the age. It's fun for younger generations to learn about their family history and to be proud of their heritage.

# 6 - Beware of DIY Framing:

Beware of DIY Framing. It may be fun to do your own framing by using old frames and frames from the big box stores. You can actually ruin an art piece or collector piece because of the quality of the materials used.

"If something is worth framing, it's worth framing well."

Quality is paramount at J & S - all work is completed with superb craftsmanship, expert advice and friendly service. Nationally acclaimed local artists trust J & S with their original artworks...why trust your memories to anyone else?

As always, you can find out more about the knowledgeable team at J & S Picture Frame Warehouse your TRUSTED SASKATOON FRAMING EXPERTS by checking out their listing on Trusted Saskatoon or visiting them in store!

Made In The Shade Blind Saskatoon recognized asTrusted Saskatoon Window Covering experts for 5 years

22. Jun 2019 Ally Saskatoon Window Coverings, Trusted Partner News

Heather Boyko, the owner of Made In the Shade Blinds Saskatoon, is committed to helping her clients get their windows on the best-dressed list! They offer FREE in-home consultations, where they bring the showroom to you. Not only is this more convenient, but it also allows you to see a variety of choices for your home, surrounded by your colours and furnishings, in your home’s own natural light. The Trusted Saskatoon team enjoys promoting Heather, and for over 5 years as a Trusted Saskatoon window coverings professional, there have been zero complaints from her clients.

Expert Advice

The Trusted Saskatoon team finds Heather to be very knowledgeable, friendly and responsive. Heather installed new roller blinds in the Trusted office recently and we were very happy with the install, service, price, and look of them. Not only does the colour go well with the space they are also very functional. Heather asks all the right questions to make sure that the window coverings she recommends fit your needs, whether it is your home or business.

Convenience

Shopping the traditional way from store to store is very time-consuming so Heather felt a mobile service was definitely the way to go. Made in The Shade they come to you and she will fit in with your busy schedule. This also reduces their overhead and she passes those savings right on to the customer!

“Beautiful Blinds, very cooperative, Heather is amazing. She has a very nice taste for interiors & very professional . I am a happy customer of her & recommend going there. She is very competitive for pricing. I did a lot searching but she offers the best deal & they were installed & look amazing now. Also to nore I have 6'X6' window and she offered Child-safe cordless coverings for the same price as corded ones. Just give Made In The Shade a try and you will notice right away.” Shishir Rai

“I can't say enough great things about Made In the Shade Blinds Saskatoon. Heather really cares about providing the best service possible and I she makes the entire experience from beginning to end so simple. The prices are great and she has access to all the brands you would want. It is easy to see why she is a Trusted Saskatoon blinds and window covering business!” Sara Wheelwright

Heather Boyko is ' The Shady lady' and she is a caring, helpful professional who is fully invested in providing the best possible customer service. We are proud to continue to promote Heather and her growing business Made In The Shade Saskatoon are Trusted Saskatoon Window Coverings experts

Trusted Saskatoon Air Conditioning & Furnace Experts Discuss Quality Boiler Installation

12. Jun 2019 Ally Saskatoon Air Conditioning & Furnace, Trusted Tips

At Razor Heating & Air Conditioning, the primary focus is to provide Saskatoon and surrounding area customers with quality work, prompt service and innovative real world solutions to everyday mechanical and home comfort issues.

Whether it be an upgrade or repair to your current home, or mechanical needs of a new home Razor Heating and Air are the people to turn to for all your Air Conditioning , Heating and Indoor Air Quality needs. Their real-world, on-the-job trained employees have the industry experience and know-how to look past the rough edges of renovation or construction. The professionals at Razor strive to bring you quality products and services with a budget-minded solution.

THEY ARE YOUR TRUSTED SASKATOON AIR CONDITIONING & FURNACE EXPERTS!

Trusted Saskatoon Air Conditioning & Furnace Experts at Razor Heating discuss proper boiler installation:

Importance of a Quality Boiler Installation

Just like a furnace, the importance of a quality boiler is installation is key for proper operation. A boiler that is installed improperly can cause premature failure in the unit and can result in you spending more money to repair it or replace it. There was a case where Razor Heating and Air Conditioning came in and repaired a boiler installation that was installed by a different company improperly. Make sure your boiler installation is done correctly the first time.

Things to Consider When Having a Boiler Installed in Your Home:

- Product Quality:
Do some searches about the quality of the brand you're installing, or ask your HVAC professional about the brand.

- Company Reputation:

Make sure to check how long the HVAC company has been in business, their reviews and testimonials, and any installation photos they have.

- HVAC Service:

Make sure that the company you hire also offers service in addition to installations. In the case that you do need assistance with your new boiler installation, you want to know the company can help.

- Boiler Warranty:

Ask the company what warranty is offered with your boiler installation.

A high-quality boiler can last for many years, but proper care and maintenance are important. They can provide you with the proper services needed to keep your boiler working effectively. If you need more details about boiler installation in Saskatoon contact Razor Heating and Air Conditioning today!

Trusted Saskatoon's Heating and Cooling Experts, Razor Heating and A/C are here to help you with all your need Heating, Air Conditioning, and Indoor Air Quality Needs. Contact them today!