Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon.com Talk to the Experts- The Trusted Show - What is Trusted about and why do businesses want to be Trusted?

www.trustedsaskatoon.com 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!!

 

 

 

 

 

 

TAMMY WANDZURA a Trusted SASKATOON MORTGAGE BROKER shares a Trusted Tip on the SASKATOON DIRECTORY

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 www.elitemortgagechoice.com

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! http://www.elitemortgagechoice.com/wordpress/wp-content/uploads/2012/02/SP0085.mp3

 

 

Stay Trusted my friends ..SAFE and TRUSTED of course

Trusted SASKATOON MAID SERVICE and CLEANING SERVICE EXPERT provides a Trusted Tip!


 

HATE CLEANING? You are not alone!

Many people despise one task more than anything-cleaning. Some of us may be able to live in squalor for a certain period of time before succumbing to cleaning their environment; others may prefer living in a clean and hygienic home, but may find that cleaning by themselves is all a little too much. For many families across the country, their home lives can be full of chaos and mess. If you are the parent of a large family, you will no doubt be aware of the destruction which can often be left within your home, and find yourself struggling to cope with it all yourself. On the other hand, if you are a professional who spends many hours away from home, you may find that your long hours leave you with very little time to yourself, let alone anytime to spend cleaning your home. If you find yourself in a similar situation as these, your best option may be to begin using a maid service to help keep your home in a clean and habitable condition.

For some, this will be a very daunting thing to take on as you are bringing a stranger into your home. Regardless that they are there in order to do a job, some may find this unsettling which may deter them from agreeing to use a maid service. However, by taking a few measures, you will be able to choose the best maid service for you and begin living in a much cleaner, happier environment.

There are many maid services in Saskatoon which you will be able to find both on the internet and also in your local directories. Some maids may work for themselves, but if you are a bit uneasy about using a service in the first place, look at using a maid service which employs many cleaners. These types of companies will take extensive references for their maids, as well as possibly criminal checks so you are safe in the knowledge that your maid is trustworthy. However, the other aspect you need to take into consideration is your lifestyle and what you require from your maid.

  • You should firstly discuss either with the company or the maid personally about your expectations with the level of cleanliness you expect. You may require someone to simply clean your home so it is hygienic, but some clients may require a maid who can also tidy up and make their homes more tidy and livable.
  • If you have children and are worried about chemicals being used within your house, also enquire about what types of cleaning products they use, and what will be used within the different areas of your house.
  • When making your requirements, you should also stipulate what you do not wish them to do such as any rooms which you wish to remain private, or if you have any sentimental items within your home which need to be handled with care.
  • When enquiring about the different tasks you will want completed, it is a good idea to ask about any jobs which will be performed on the exterior of the home. These can include general tidying up of your garden or cleaning the windows, but not all services will offer this within their price. If you are looking for this help specifically, then this is not the right maid service for you.
  • Depending on the size of your home and what you require your maid to do within the home will determine how many hours a week you will need their service for. This will also determine how much you will be charged per week or month. Before you agree to hire the service, enquire about your needs and how much this will cost. Make a note of this so that if the amount increases as you agree to a contract, you can quote back the initial price.

Every service will be different, but a service which is happy to provide you with hours and requirements you have is more likely to be worth the money. We live in a society where we can hire someone to help us with a wide variety of tasks. However, as helpful as this is to us, many of us are hesitant to allow a stranger into our homes. By researching carefully into different maid services which are available to you and by asking as many questions as possible, you will not only be provided with a great cleaning service, but will also be confident that your home is in safe hands.

 


www.trustedSASKATOON.com shares a Trusted Dental tip on Gum Disease

 click here for SASKATOON DENTISTS

 

 

Periodontal Disease

 Periodontal (gum) diseases, including gingivitis and periodontitis, are serious infections that, left untreated, can lead to tooth loss. The word periodontal literally means 'around the tooth'. Periodontal disease is a chronic bacterial infection that affects the gums and bone supporting the teeth. Periodontal disease can affect one tooth or many teeth. It begins when the bacteria in plaque (the sticky, colorless film that constantly forms on your teeth) cause the gums to become inflamed.

You may be at risk of gum disease if you answer yes to any of the following questions:

• Do your gums ever bleed?

• Are your teeth loose?

• Have your gums receded, or do your teeth look longer?

• Do you smoke or use tobacco products?

• Have you had any adult teeth extracted?

• Has it been more than 2 years since seeing a dentist?

• Have any of your family members had gum disease? In the mildest form of the disease, gingivitis, the gums redden, swell and bleed easily. There is usually little or no discomfort. Gingivitis is often caused by inadequate oral hygiene. Gingivitis is reversible with professional treatment and good oral home care.

 

 

 

 

 

 

Gibbon Heating and Air a SASKATOON AIR-CONDITIONING Trusted Tip on Central Air Conditioners

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 requirements!

Here Kate from Gibbon provides here latest Trusted Tip:

 

Strange Smells from the AC ?

We often get complaints concerning "Foul smell appears when my Air Conditioner is operating"::

The most likely source of the foul smell is your condensate tray. When you're air conditioning is operating, the coil, which sits in the ductwork above you furnace, gets very cold. The warm moist air in your house, passes over the coil, where it is cooled. The byproduct of this cooling is condensation on the coil. The condensation runs down the coil and is collected in a tray. The tray is connected to a plastic drain line or hose which usually runs to a floor drain. In all likelihood, the condensate tray is incorrectly sloped or the drain is plugged, so that there is standing water in the tray. Bacteria and mold form in the tray and then the odors from the tray permeate the house when the air conditioning is running.

With the air conditioner operating, check to make sure that water is draining through the condensate drain line. If it is not, remove the line and attempt to remove the blockage with a straightened coathanger or similar object. Alternatively, there may be an access panel in the ductwork above you furnace. With the panel removed you may be able to see the condensate tray and determine whether there is standing water in the tray. You mentioned that when you turned the air conditioning off, the smell went away. What is unclear is whether you left your furnace fan running. If you didn't, the problem could conceivably be elsewhere -- smelly, stagnant water in a humidifier, or even something as obscure as a dead mouse and the ductwork. If, on the other hand, you shut off your air conditioning, and left your furnace fan running, the problem has to be related to your conditioning, and therefore must be associated with the condensation tray.

 Find out all the tips on our Facebook Page...Gibbon Heating and Air Conditioning.

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

 

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