Trusted Tips and Resources

Trusted Tips & Resources

Trusted Talk to the Experts- The Trusted Show - What is Trusted about and why do businesses want to be Trusted? is proud to be hosting a Talk to the Experts show " The Trusted Show' Every Month on Newstalk 650 ..the first show aired June 9th. 

Sara Wheelwright the Trusted founder and 3 Trusted Partners- Marla Janzen a Trusted SASKATOON REALTOR, Ken Eade , owner of 3'n 1 Construction a Trusted SASKATOON CONTRACTOR    joined Brent Loucks  to chat about Trusted .

Click on the 2 you Tube Videos below on the Trusted Channel for Parts 1 and 2 ENJOY!!








Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura 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.. Heres Tammys Latest Tip


I want to take this time- to welcome the Sunshine Back to Western Canada! Those of us in the prairies have a very hard time with days and days of rain! We will take a blizzard over a week of rain any day!

It has always very important to me to keep my past, present and future clients updated on what is happening in the Mortgage Market This June 2012 Update contains some very important changes to the Canadian Mortgage Rules as of July 9/2012.

#1 Finance Minister Jim Flaherty has made an announcement- clamping down on mortgage rules At a news conference in Ottawa, Mr. Flaherty confirmed that Ottawa will:

1. Reduce the maximum amortization period to 25 years from 30 years.

2. The maximum amount of equity homeowners can take out of their homes in a refinancing is being reduced to 80 per cent from 85 per cent.

3.The availability of government-backed mortgages will be limited to homes with a purchase price of less than $1-million

4. The maximum gross debt service ratio will be fixed at 39 per cent and the maximum total debt service ratio at 44 per cent. **Please note: This does not mean the minimum downpayment has increased. If you are buying an owner occupied home you are still eligible to put a minimum of 5% downpayment (On approved Credit)

"I remain concerned about parts of the Canadian real estate market, particularly in Toronto, but not only in Toronto," said Mr. Flaherty. "This is a judgment call. This is not written anywhere in a book about when one intervenes and when one does not intervene, but my judgment is that we need to calm particularly the condo market in a few Canadian cities."

The changes will take effect on July 9, 2012.

These are huge changes- that will significantly impact the ability for first time home buyers to qualify for new homes. Lowering the amortization from 30 yrs to 25 yrs means the income needs to be higher to qualify for a higher monthly mortgage payment.

**We are carefully assessing our rate-holds and pre-approvals on file. Please note: If you have recently been “pre-approved” please understand that the new Government rules over-rule any previous discussions or documents outlining your pre-approval limits. If you find a home, put an offer in that is accepted and we submit to the lender for approval prior to July 9- you will still qualify for the 30 yr amortization. After July 9/2012 we will be in touch with each Preapproval to advise your new purchase limits within the new rules.

Refinancing: In the past we have been able to restructure your mortgage up to 85% of the value. (this was already a decrease from 90% in the past) The new rules being implemented on July 9/2012 will now only allows us to consolidate, refinance, restructure, pull money out of your equity up to 80% of the value.

#2 FIRSTLINE MORTGAGES will officially be stepping out of the Mortgage Broker Market as of July 31/2012.

Do you have a Firstline Mortgage & what does this mean to you? Firstline Mortgages is owned by CIBC. Due to some changes in Canadian legislation Firstline Mortgages is no longer able to continue offering discounted mortgage rates to Canadian mortgage brokers. If you currently have a Firstline Mortgage – you will see no changes – as everything will simply be rolled under CIBC’s header vs. Firstline Mortgages. Given that Firstline is owned and operated by CIBC, there is no concern what so ever. My office will be in contact with you- as we feel necessary to look at re-evaluating your mortgage, at renewal time, or simply to touch base and follow up on your future financial goals with your mortgages future.

If you have any questions about your current mortgage please do not hesitate to contact our office at your leisure.

#3 Bankruptcy (“BBK”) – Consumer Proposal-Orderly payment of Debt.

 I wanted to shed some light on the 3 above matters. I often have clients coming to me that have had past credit issues, and have signed into an agreement for “Consumer proposal” or “Orderly Payment of debt” with suggestion that it looks better that a “BBK” – with suggestion that it will not affect your credit for as long. Please note that all 3 of the above fall under the Bankruptcy column in the lenders eyes. After a “BBK”, Consumer Proposal or Orderly payment of debt has been filed it shows up as a Bankruptcy on your credit bureau report. The lenders require the same discipline and re-established credit regardless of which option above is taken. Most of our lenders require that you have been discharged for 2 full years & that you have 2 pieces of re-established credit SINCE the “BBK”, Consumer Proposal or Orderly payment of Debt.

#4 To summarize the above. We have seen a ton of changes to the Mortgage rules and Housing Market since 2008. Rest assured that we will continue to be consumer advocates –always working for you the consumer & assisting where we can to educate the government and other legislative bodies regarding what is realistic and not. There has been some heated conversation about why the Finance Minister is putting so many governing rules against Mortgage lending – in an attempt to lower consumer debt—when there are no rules governing the interest rates on Credit cards, department store cards, vehicle loans or even a real rule of thumb to follow in regards to who, why and how consumers qualify for these unsecure loans…which is in reality what is increasing consumer debt load.

For the past 2 years I have been running my business with 7 points of difference. Keep in mind a Broker works for you Not the Bank. Offering the best rates, service and overall experience “ Exceeding Clients Expectations”

• We treat each transaction like it's our own mortgage approval, with a passion, respect for situations, and need for quick and efficient turn around

• We strive to impress & gain the respect of our clients, exceed all of their expectations & earn their trust for future referral business

• We carry ourselves with a friendly professionalism that allows us to be easily approachable in meetings or over the phone.

• Integrity, honesty, and total transparency for the client

• Always "doing right" by the client - no matter what

• We understand the need to keep things organized, well maintained, and most importantly -the need for communication

• We don’t work “bankers” hours. We understand the need for flexibility when taking an application, meeting to sign paperwork, or general questions. We are always available for you.

• Every client & situation is unique. We are here to listen–and to assist you with a flexible mortgage product that suites the future needs of you and your family.

Remember Everytime you refer someone to me (successful or not) your name goes into a draw for a $1000.00 Travel Voucher

Call Tammy Wandzura today at 933.3386 for all of your Saskatoon mortgage needs OR visit

Make an appointment with Tammy Wandzura at TMG, 506 Queen Street or check out her listing on the SASKATOON DIRECTORY in the SASKATOON MORTGAGES Category..she is a Trusted SASKATOON MORTGAGE BROKER Expert!     

Listen to Tammys current Radio ad here!



Stay Trusted my friends ..SAFE and TRUSTED of course

CRESTVIEW AUTO a TRUSTED SASKATOON TIRE DEALER shares a Trusted tip on Vehicle Maintenance

Let's face it, most of us do not think about the tires on our vehicles until we run into a problem....and that problem may be a major inconvenience at best; an accident at worst. Having your vehicle serviced by people that you trust is an absolute must. Let Don and the highly trained technicians at Crestview Auto Service work with you to make sure your vehicle is ready for the road.

Crestview Auto Service is your Trusted Saskatoon Tire Expert and they also offer full Auto Service and Repair in Saskatoon

Here Don Klassen shares his first Trusted Tip!

Should I keep my vehicle or sell and get a different one?

This is a question that we are asked from time to time when a customer is faced with a large repair bill or the vehicle is getting up in years. This seems like a simple question to answer but each person’s situation is unique and needs to be evaluated based on his or her set of circumstances. It is important to understand what the nature of the repair or services required is that brought up this question.

Some questions to consider are:

• Is it a single item failure such as a transmission due to missed maintenance of the transmission fluid

• Is the vehicle needing maintenance on a number of different systems that are not broken but only needing routine servicing?

• Does the vehicle have a history of being maintained in a way that prolongs the life of the vehicle

• Have maintenance services been missed compromising the life of the vehicle.

• What will the overall condition of the vehicle be after the Auto repair or services are completed?

People that have well maintained vehicles get to choose when they get a different vehicle and often will change vehicles just to have something different, not because they have to. These people enjoy shopping for a new or newer used vehicle, without the pressure of feeling “I have to buy a vehicle today because mine is broken”. Others are not so fortunate, due to missed maintenance causing a failure of one or more systems on their current vehicle they feel pressured into getting a different vehicle sooner than finances allow them to comfortably acquire and are often left with an un-easy feeling from rushing such a large purchase.

Vehicles that are properly maintained on a regular basis very seldom have major component failure because the maintenance has been done that keeps the vehicle operating properly. This is doing more than just changing oil, it involves having qualified technicians inspect the different systems of the vehicle, servicing components and fluids before they become excessively worn or contaminated. Excessive wear or contamination will result in component failure, possibly having a compounding effect damaging other systems or components that will increase your costs. Proper vehicle maintenance should be budgeted for; the benefit is you get to choose when to change vehicles rather than being forced to change and then after the purchase, being stressed about the payments.

Have a great day, next time we’ll discuss the vehicle manufacturers maintenance schedules and how maintenance can save you time and money. 


Find Crestview at 24, 23rd Street East  or online at - they are a fullservice Saskatoon Tire and Auto Repair & Service business and they can be found on the Saskatoon Directory under TIRES SASKATOON    they are your TRUSTED SASKATOON TIRE and AUTO REPAIR EXPERTS




At Fitness Focus, the goal is to offer a fitness center with a welcoming; fun; and safe environment that all ages can enjoy. They are a forerunner in the fitness industry in Saskatoon . With the ever changing fitness demands of new and improved classes, training; and nutrition. They are your TRUSTED SASKATOON FITNESS EXPERTS!  

This Fitness Focus Trusted Tip is about GYM memberships..

Starting a gym membership can be exciting but also intimidating. Here are some Trusted Tips on taking that first step and finding the right gym for you

• Whether you have tried a fitness regimen before or you’re starting at the gym for the very first time, before you choose a fitness centre, you have to start with a goal. Without a goal you’ll have nothing to work towards, making the effort you put in seem like a total waste. Make your goal reasonable, attainable and specific; and make sure you know the route to attaining it.

• It’s important to find a gym with an atmosphere that suits you. If you’re not comfortable in the gym, you won’t enjoy your experience, and then it won’t be long until you start to abandon your routine and your goals. See if the gym will offer you a trial pass or “test drive” that gives you enough time to feel it out and see if it’s the right fit for you.

• Pay attention to the not-so-obvious amenities when you’re looking into a new club. Big windows for natural light, what kind of music they play, and cleanliness of the facility including: washrooms and training area, a wide variety of equipment and knowledgeable staff. Sometimes it’s these subtleties you might not have noticed at first but they can be the difference that makes it a club you want to make your home for years to come.

• Convenience! Is the club close to your house or work? If your gym is not easy too get to, you might not use it as much as you had planned. A gym within a stone’s throw of your home can be great, but also consider one that’s close to your workplace. This gives the option to get your workout in during your lunchtime or to avoid the traffic on the commute home after work.

• Once you have made your decision to join, make sure you read your membership agreement form. There are a lot of standard points on a membership form but many disclosures can change from gym to gym. First, pay attention to membership cancellation policies, sometimes these can be very strict which might not be a problem if you plan to be there for a few years. Watch out for unexpected annual fees; these should be explained in your membership. Ask if there is a membership freeze option and the cost of it. This allows you to suspend payments of your membership in the event you can’t use it due to injury or inability to make use of your membership for a short period.

Print a Free 2-Week Trial Membership for you and your friends. If you're looking for a gym in Saskatoon and have never tried Fitness Focus, this pass is for you to come experience the great atmosphere, people and all the major ammenities Fitness Focus offers. For 2 weeks you will have access to The Weight Room, Cardio Theatre, All Group Fitness Classes, Unlimited Tanning, Free Towel Service, Free Lockers and more... click HERE to print yours

Find Fitness Focus Health & Athletic Centre at 1250 Ontario Avenue, or check out their listing here in the Saskatoon Fitness & Gyms Category on THE Saskatoon directory of excellence. They are YOUR Trusted experts right here in Saskatoon!


Fitness Focus a Trusted Saskatoon Gym

BATEMAN JEWELLERS Trusted SASKATOON JEWELLERS provide a Trusted Tip on caring for your watch

Bateman Jewellers are Saskatoon Jewellery Experts...did you know that they are the oldest independent jewellery store in Saskatoon! Bateman Jewellers maintain that the relationship with their clients is very important to them, and Trusted is sure you have heard Cam say in his well known radio ads " Your jewellery is a lifetime investment; Buy it from a lifetime friend. " ..Trusted can attest to the fact that they really DO mean it, and we are proud to have them on board as our Trusted Saskatoon Jeweller!

Here Cam shares his latest Trusted Tip:

Caring for your watch,..another Myth busted

A lot to people believe that pulling out the "knob" (ie the crown) on your watch preserves the battery life!

Two things go wrong when this happens.

  1. You have stopped the "movement" (motor that runs your watch) from running. The effect is that your not using battery power and yes infact you are not. But your also stopping the oil from constant motion causing it to hard up. Kind of like your arteries when you get no exercise. This results in having to have your watch serviced to remove the hardened oil and replacing it with new oil allowing smooth motion once again. Usually at a cost of $60 -$100 dollars.
  2. You put the battery into a state of shock. It now has no way to expel the stored energy inside. So as a result it eats itself up from the inside usually resulting in a leaking battery acid. Which usually eats the contacts or the base the battery sits in. The result is you have to Service the watch to remove the contaminants that are jamming up the gears in the movement. Again at a cost of $60-$100 plus and parts that have been damaged by the battery acid.

So I suggest to our customers for the cost of a battery $10-$20 which lasts 2-5 years is much less expensive than a Servicing. It is also better for the watch in the long run and when you go to use it it's on time!

P.S. yes technically there is slightly more wear on the movement leaving it run all the time but verses the damage that can result from leaking battery acid or hardened oil. I still recommend leaving it run.

Cam Bateman Jewellers

"Your jewellery is a lifetime investment, Buy it from a lifetime friend"


Find Bateman Jewellers on 2nd Ave South or online at they are your Trusted SASKATOON JEWELLERS






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


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