Trusted Tips and Resources

Trusted Tips & Resources

WISEGUYS MATTRESS are SASKATOON'S MATTRESS Experts..here they share a Trusted tip on Mattress Care

Wiseguys Mattresses Saskatoon offer incredible value to their customers through a boutique style shopping experience, customized service and unbeatable prices. They aim to have every customer leave the store confident in their decision to buy, and with a guaranteed good night's sleep on their best SASKATOON MATTRESS.

Mark from Wiseguys Mattress, is Saskatoons Mattress expert and here he shares a Trusted tip on Caring for your Mattress.
 
 

A good quality mattress should last you on average 8-10 years.( a bed warranty IS NOT an indication of how long a bed will last!)

Here's a couple of tips to increase the chances of hitting that ten year mark.

  • You should rotate the mattress head to toe ONCE A WEEK for the first two months from time of delivery. This will help the foam break in more quickly and more evenly. Then after that, 4-6 times a year is the average. If you are a very heavy person or have a very soft bed, it could be even more.
  • How do you know when to rotate that bed? When you are changing the sheets and see body impressions (which is normal), this is a good indication it's time to rotate the mattress. The impressions should disappear in a night or two. Proper rotation will add years to the life of the mattress.
  • And of course, always use a good quality mattress pad/cover. Any type of stain voids your warranty, so a mattress pad/cover will help protect your investment. Using a mattress pad is soooooo much more healthy for you than not having one. All that sweat, dust mites, dead skin cells, etc, will be in the matt pad (which can be taken off and washed) and not in your mattress. Skin cells, dirt, sweat, etc, will break the foam down faster, so the more you keep out of the mattress, the better.

If by chance the mattress does become stained or dirty, They can be saved. Many rug/upholstery cleaning companies also can clean that mattress. Just be careful that they use little, if any, liquids in the cleaning process. Liquids can damage the foams in the mattress.

 

 

 

Listen to Mark...he's " Da Boss"  after all..and he works in YOUR best interests..guaranteed!
 
Find Wiseguys Mattress , Circle Dr. E. Saskatoon,fan them on Facebook or check out their listing here in the Saskatoon Furniture Category on THE Saskatoon Directory of excellence. They are YOUR Trusted SASKATOON MATTRESS Experts !

TRUSTED SASKATOON USED AUTO DEALER share a Trusted Tip on Buying a used vehicle

Trustedsaskatoon.com  auto tips

Trying to find the vehicle

It is always tough to say where you will locate the perfect car or if it even exists. It is always possible to find the best car at the worst place or the worst car at the best place based on the retailer's reputation. It is important to be patient; a rushed purchase can quickly turn into huge headaches. Sometimes it seems easier to settle only to find out after the fact that your hastened purchase was not the right one.

Where to look for your new used car

You can look in all newspaper classified ads. You can also surf the Internet and look for websites such as our own Kijiji.saskatoon or  www.auto123.com You will be able to browse this large inventory to get an idea of what the average selling price may be for the vehicle that interests you. Also, if you are not certain of your choice, you will be able to compare models side by side, read reviews by owners and professionals. After you have increased your level of knowledge on the vehicles and have found one that fits your criteria, make an appointment to go see the vehicle.

Be well aware of the phenomenon known as the curb-sider or fake private-seller. As a tip, when you are calling an individual, simply ask about the car for sale. Should the person reply "Which one?" chances are you are dealing with an unlicensed re-seller.

Should I buy from a dealer or a private individual?

Remember that by buying from a private individual will allow you to save on taxes but will not permit you to purchase an extended warranty. By purchasing a car from a dealer, you will have the option of purchasing an extended warranty, which can save you money in the long run.

Beware of fraudulent ads that require a deposit before you can see the vehicle that is for sale. In fact, never ever send out any sum of money without first finding out more about the seller or coming into direct contact with him or her.

 

Find TRUSTED SASKATOON AUTO DEALERS on www.trustedsaskatoon.com 

Trusted auto dealers have GUARANTEES unlike thos ' other used car dealers'  

 ....you know the ones we are talking about!

 

 

Tammy Wandzura a Trusted Saskatoon Mortgage broker expert shares a Great Mortgage tip

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 Saskatoon 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 Mortgage Tip

Mortgages are not the same as they were a decade ago!

Lenders have created internal policies that allow the flexibilities that consumers need with a fast paced ever changing mortgage market Not all mortgages are created equal Many people shy away from longer terms such as 7 and 10 years because they think there will be a big penalty to pay the mortgage out if something changes As an Accredited Mortgage Professional- I am not only looking at the best rate-- I am also looking at future flexibility.

Each lender is different- however I always structure my clients mortgages with lenders who allow 2 things

1) Prepayment options- allowing you to make extra payments on your mortgage every year to pay the principal balance down

2) Portability-allowing you to move the mortgage to another home That means if you choose a 10 year term and in 5 years decide to move to a new home-We can look into “Porting & Blending” the current mortgage and moving the current rate and term to the new home.

Every clients situation is different It may be that a Line of credit, Open Mortgage, 3 year term, 5 year term, or a Variable rate is the best option.

As a Mortgage Broker, I work for you – the client- not the bank. That means that we can go through all of the options and decide what is best for you and your family With interest rates at all time lows ranging from 2.69% to 3.99% (depending on the term), t’s a great time to look at purchasing or renegotiating your current mortgage. Renegotiating early may mean early penalty fees. I will run your numbers forwards and backwards to see if there is any savings to move your mortgage early. It is always in my best interest to do what is best for the client—as repeat business and referrals are how I grow my client base. If it makes sense to move your mortgage I will let you know- if it is better to wait to your renewal I will give you that advice.

Did you know that your CMHC insurance premium may be portable? Depending on how long you have owned your home for – and how long ago it was insured, may give us the opportunity to move all of, or a portion of the premium to the next home When you call my office we will always look at every opportunity to save you money.

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

 

 

Trusted SASKATOON FINANCIAL SERVICES expert share a Tip on Life Insurance


No! I don’t need life insurance! I don’t believe in it! It is a waste of money!

So often I hear people say “I don’t need life insurance. I am single and I don’t have kids what would I need it for, it is a waste of my money?” In fact before I went into the financial industry I think I said those words myself. Then I became a Saskatoon financial advisor and quickly realized that I was uninformed and uneducated about the need for insurance. It is expensive to die!!

Even if there is no one that I want to leave an inheritance for, there are still several costs that someone will be responsible for after I am gone. A funeral can cost anywhere from $5000 - $20,000 depending on the extravagance. Once the funeral is over there is the additional cost of the headstone or marker that people often forget to plan for, another few thousand added to the tab.

 

 

Then my estate goes to probate, and even if I was responsible and had a will in place there are still all of the estate costs that need to be covered.

There are:

• Court costs – these are pre-determined costs set out in the Fees Regulations. They are $7 for every $1000 of assets. So for example if my total estate has a value of $50,000 it will owe $350 in court costs.

• Land Transfer Costs – These are fees incurred to obtain the Public Guradian and Trustee’s consent to sell any land that was left to a child and payments to the Information Services Corporation Branch when the title is transferred to the estate and then to the beneficiary. So if I were to leave my house to my niece my estate would incur this cost as well.

• Legal fees – Somebody has to pay the lawyer that is representing my executor (the person I choose to carry out my wishes expressed in my will). These fees are set out in the Rules of the Court and state that when a lawyer does the majority of the work to administer the estate they shall be paid a percentage of the value of the estate. This is how those percentages look:

• $300 on the first $10,000 or any portion

• 2% on the next $90,000 or any portion

• 1.5% on the next $400,000 or any portion

• 1% on the next $500,000 or any portion

 Excess of over $1 million is half of 1% So for example if my total estate is worth $120,000 the legal fees charged to my estate will be: $300 on the first $10,000 2% of the next $90,000 = $1800 1.5% of the remaining $20,000 = $300 Total fees payable = $2400 If the executor does the bulk of the work the lawyer’s fees can be decreased by 80%.

• Executor or Administrator fees – By law the executor or administrator has a right to be paid for their services. The fees vary and some wills define a specific fee. Fees can also be agreed upon by beneficiaries if it is not defined in the will or the court can define the fee if no method for defining is stated. In Saskatchewan the law states that an executors and court appointed administrators are entitled to a fair and reasonable allowance for “their care, pains, trouble, and …time expended in and about the trust estate.” The amount is not defined and is decided case by case. There are criteria used to determine what is considered fair and reasonable. Bottom line is to make it easier I should define how I want my Executor to be compensated in my will.

So I can't strss enough how important it is to have that will...which will prevent and confusion or bad feelings within the surviving family

 

 

 

 

So those are just the costs for my funeral and dealing with my estate.

That does not include paying off my credit cards or my line of credit or any other loans I may have. Who is going to pay for all of this?

Sure I have some money in my assets but it could take 6 months to a year or more before that money is released from my estate. Sometimes there are not enough assets in the estate to pay off the debts of the estate which further complicates things.

If I have life insurance – even a small policy I can choose a beneficiary and leave instructions in my will that the proceeds from the policy are to be used for my funeral, paying off my debt and paying for any costs associated with my estate. There are not many of us who like paying for insurance but if something were to happen your loved ones will be relieved that you did. I personally do not want to put my aging parents into financial hardship because I was not responsible enough to cover my risk.


Rays Moving & Storage gets great feedback from happy clients they are your Trusted Saskatoon Movers & Storage experts!

Professional, professional, professional...this word just kept coming up when we surveyed Rays Moving and storage Saskatoon  clients... In life, few events match the stress of moving. In this busy time of new beginnings and major changes, Rays Moving and Storage appreciated that their clients place a great deal of trust and responsibility with them. Moving everything you own is a very personal experience and something that they do not take lightly... Moving can be an especially stressful time for families, whether it is across town or across the country. Having a true professional like Rays handling your possessions is the key to alleviating all of your worries! Rays are your Trusted SASKATOON MOVERS & STORAGE EXPERTS

www.trustedsaskatoon.com is the REAL DEAL..and nothing explains it better than when we get feedback from the public....people like YOU that made the smart & simple choice .. to deal with a Trusted business like Rays Moving & Storage,  and they did everything they could to help..and more,  just like we GUARANTEED here are a few commments we have received about Rays


" Ray's moved all of our stuff from 3 houses into one and they did a fantastic job! They were on time, professional, careful and always courteous. They even moved our heavy piano."

 Tyler Gesy said " I found Ray's Moving on this site, then I hired them, and then they were awesome! I'd like to leave a positive review but I couldn't figure out how... Where should I submit a review? "

" I found the two fellows that actually moved me to be fast, professional, friendly and compassionate. I was moving due to a breakdown in my long term relationship, and those two guys really tried to cheer me up!Brenda 

So well done Rays Moving & Storage ..you have proved AGAIN , that you deserve the PROMOTION, ENDORSEMENT and KUDOS that we love to heap upon you ..Great businesses like you deserve the promotion...They understand what good customer Service is!

  

MOST importantly the public in Saskatoon can feel confident that when they choose a TRUSTED business from THE Saskatoon Directory of experts they will be glad they did!! No risk..no stress..just Trusted businesses at their fingertips waiting to serve them! 

Stay Trusted My friends!

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