Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Auto Repair & Services Pros at Phobia Auto Tip On Shop Rates

The Trusted Saskatoon Auto Repair & Service Experts at Phobia Auto are based in Martensville and they are a Trusted source for honest advice and qualified auto service and repairs. People ask all the time how the price of an auto repair is determined, usually phrased something like, "Why does my car repair cost so much?" This is a question worth asking, especially if you've been given a repair quote that runs into the hundreds or even thousands of dollars. Steve at Phobia answers the question in this auto tip! 


Why Can Shop Rates Be So Expensive?

Today’s vehicles are not what they used to be. The average vehicle today had dozens of modules and computers. Training on these takes countless hours and often cost a lot of money. In training, technicians learn about manufacture specific software, and the diagnostic tree for that specific vehicle. Because no two vehicles are the same (rolls such as storage, temperature, road type, driving style, towing etc play a huge roll in wear and tear on a vehicle) Diagnostics on a particular item can be difficult without the proper training. Because every year manufacturers are trying to make vehicles more reliable, safe and efficient, the evolution of vehicles is changing rapidly. It’s important to keep the latest software and training up to date.



A shop that specializes in a particular area usually charges higher labour rates for their service than a general service shop. While a specialist may charge more, this type of shop can often wind up being cheaper in the long run. A specialist is more likely to diagnose and repair a problem in a laser-like fashion, fixing the vehicle in less time and using fewer new parts. Shops unfamiliar with a type of problem can end up muddling around, wasting the customer's money on unnecessary parts and long hours of labour just trying to find a solution.







Contact Steve and the team today- check out their reviews and see all they do on their listing here : 
Phobia Auto A Trusted Saskatoon & area Auto Repair & Service Shop
Phobia Auto Are Your Trusted Saskatoon & Area Performance Vehicle Specialist 


Trusted Saskatoon Realtor Clark Dziadyk Passes a Mystery Shop

The Trusted Saskatoon businesses become Partners with a contract, and they become part of a community. In a community, we all have our parts to play to ensure the directory maintains the standards and high level of integrity that it does. To ensure that our partners are upholding these guarantees on a daily basis we have a MYSTERY SHOPPER PROGRAM, where normal everyday people mystery shop our Trusted Saskatoon Partners. We then get our mystery shoppers to fill out a report to tell us about the experience!


Our latest business to be mystery shopper is Clark Dziadyk a Trusted Saskatoon Realtor.


Whether you’re buying a house for the first time, the second or the seventh time, it’s still one of the biggest decisions you ever have to make. In order to ensure sheer success, you need a Trusted Saskatoon Realtor like Clark Dziadyk! Clark will ease your mind by taking the pressure off of you to find your dream home! Clark puts 100% effort into everything he does.


Clark Dziadyk - Trusted Saskatoon Realtor- Mystery Shop





TRUSTED COMPANY: Clark Dziadyk - Realtor

Date: April 12, 2019

Name of Shopper: Stephanie


 Mystery Shop Checklist

1. How was the greeting/ welcome/ call answered?: Fantastic! I emailed him, he called me back while on holidays.

2. If retail: Appearance of the store/staff and showroom?: N/A

3. Product/industry knowledge of staff?: Excellent.

4. If a quote is required is the quote well laid out/ clear?: N/A

5. Did they ask where you found them?: Yes.

6. Overall experience 1-10: 100.

7. Would you return as a customer/ recommend them to close friends?: Absolutely!

8. Did anyone stand out as exceptional? If so who? Why?: Clark Dziadyk - see attached.

9. If you made a purchase/booked a job how was the process? Yes.

 

If so refer to the Trusted Guarantees and give an overall mark on each if applicable.

 

TRUSTED GUARANTEES 

1. Provide the service and quality promised. 10

2. Complete the job on time. N/A

3. Charge the price quoted with NO surprises. N/A

4. Communicate honestly and be responsive to customer needs. 10

5. Resolve any issues with customer satisfaction in mind. 10

 

Please share any other comments relating to your experience with the company. 

Throughout my time with Clark, he has continuously wowed me. Not only as a realtor but also as a person. He is one of the most genuine, decent, selfless human beings I have ever met! From the very first call... which he made to me while he was on holidays within a few hours after my initial email to him... I knew I was in excellent hands. This man definitely picked the right career path. I felt as though he just "got me." Pretty sure he knew which home I was going to pick before I even did. I would be so lost without Clark... things I wouldn't have thought of, he did. His commitment to ensuring due diligence was... wow! He continually kept me updated, he knew what I needed before I did. He's professional, calm (which kept me calm haha,) and he always kept my best interests at the forefront of everything! The end result is I got the house I wanted, at the price I wanted, with a sweet bonus that would have fallen through if it wasn't for Clark! I am so incredibly thankful for him!


Read what clients have to say about Clark Dziadyk on his Saskatoon real estate listing here

Clark Dziadyk is a Trusted Saskatoon Realtor contact him today for all your Saskatoon Real Estate needs.



"The Realtor® in Your Neighbourhood"

Trusted Saskatoon Mortgage Broker Tammy Wandzura Warning About Buying A New Car Before a Home

Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura a 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 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. In her latest mortgage article, Trusted Saskatoon Mortgage Broker, Tammy Wandzura discusses why you should hold off on buying that new car if you are looking to buy a home.


1st Time HomeBuyer- Hold Off Buying The New Car!




















Thinking of starting the house hunting process?? Did you know that a vehicle payment can significantly affect your ability to qualify for a mortgage? Buy The House and THEN The Car " Tammy Wandzura
Federal mortgage guidelines require that your income can handle all of your debts (that you currently have) PLUS the new mortgage payment, property taxes and heat payment.  The NEW mortgage rules are more strict and rigid than ever - and require you to be very conscious of what your debt load looks like. 

 

An Example! 

If you have a car payment of $500/month - that is $500 a month less that can go towards your mortgage payment and expenses. If you have a BIWEEKLY car payment (a biweekly payment comes out of your account every 2 weeks) you make a payment 26 times in a year. If your car payment is $200 biweekly - that does not mean you are paying $400/month... it means you are paying $433.33/month. This is the number the mortgage company will use when calculating your debt. 

The Math: 

1. If you have a car payment of $433/month AND assuming you have good to great credit

  • Income is $50,000/year
  • Max Purchase Price $180,000
  • 5% down = $9,000.00

2. IF you do NOT have a car payment (same good credit, same income)

  • Max Purchase Price $225,000
  • 5% down = $11,250.00

That is a $45,000 difference in borrowing power and may allow you to purchase the type of home in the neighbourhood you are hoping to live in! After you have taken possession of your home - you can easily qualify for a Car Loan with a number of banks or dealerships. Qualifying for a home (mortgage) is a very different process with much stricter rules.

Keep In Mind:

Even with strong income, depending on the area you wish to buy a home - a vehicle payment can seriously and negatively affect your ability to qualify for the house you want to buy.


Buy the house and THEN the car!! Spread the word and tell your friends. Many FIRST TIME HOME BUYERS do NOT know this! 

You're paid off "middle of the road" vehicle is not looking so bad now, is it??


Call Tammy Wandzura today at 933.3386 for all of your Saskatoon mortgage needs OR visit www.elitemortgagechoice.com she is a Trusted SASKATOON MORTGAGE BROKER! 





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S & E Trusted Online Directories Inc
TrustedSaskatoon.com
129 21st St E #500
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

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