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 Wandzura is a Trusted Saskatoon Mortgage Broker. In her latest tip written by Brydon Wandzura specialist mortgages information is shared!
Considering a Med, Vet or Dentistry Mortgage?
Did you know that new mortgage programs may allow you to qualify for a mortgage while you are still in school based on your projected income? As a recent graduate from the University of Saskatchewan, I have been through the trials and tribulations that come with Post Secondary Education.
Questions You Could Ask Yourself As A Student:
- Where am I going to find a job when I am done?
- How do I apply for these student loan credits?
- How do I do my income tax?
- And …. mortgage…what are the first steps and do I qualify?
If only they taught us these things in University!
Look no further, I know a thing or two about mortgages, here’s hows they work for Medical, Veterinary and Dentistry students.
Medical Students Mortgages:
This program applies to Med students who have recently completed or who are in their third year of residency or fellowship. The program allows eligible members to qualify for a mortgage using ‘future projected incomes.’ The projected incomes are discipline-specific, i.e. a student in Anesthesiology has a different future projected income than someone in Cardiology and so on.
Veterinary & Dentistry Mortgages:
Like Medical students, Vet and Dentistry students who are in their final year of residency, fellowship, or program of study can also qualify for a mortgage using their respective projected incomes.
Great! How does that affect you?
Simply put, being able to use this future projected income lets you qualify for a mortgage as if you are already making that amount of money. It lets you get a head start on the home buying process and allows you to start building equity instead of just paying rent again, and again and again.
The Trusted Saskatoon team loves
partnering with incredible Saskatoon and area businesses that are locally owned
and run with integrity. We are proud to welcome our newest partner to the Saskatoon directory to
the Saskatoon Home Builders category
– Strata Development is a Trusted Saskatoon
Locally owned, Strata Development has been serving the Saskatoon
Community since 2010. Their impressive
project portfolio illustrates a new legacy of work in design and construction
management in Saskatchewan.
Chris Popplewell, the owner of Strata Development, is passionate about the design
and development of commercial and residential projects. Chris graduated in 2004 from the University of Saskatchewan with a degree in Mechanical Engineering and worked for approximately 6 years in the Saskatchewan industrial sector. Wanting to be involved in projects that were more tangible and relatable, Chris started Strata Development in 2010. Chris runs Strata like a close-knit family, he has a small core group of talented
and valued employees that execute their vision of transforming projects from
concept, through to the design, construction and development stages.
Development excels at client communication and has a unique approach that
allows them to assist each client with their individual needs. They enjoy
nothing more than turning their clients' visions into reality.
Strata Supports The Community
Strata invests in supporting the Saskatoon community, including The Nutrien Wonder Hub, The Jim Pattison Children’s Hospital,
The City Hospital Foundation where he won Swinging With The Stars in 2017. He also supports many other local events and charities.
Chris runs Strata
with integrity and humility, doing his best to ensure his client’s expectations
The Skinny On Strata Development
When we spoke to Strata’s clients as part of the unique Trusted
verification process ( link to why trusted page ) the feedback was spectacular. Don't take it from us, read a few excerpts of our conversations with Strata clients below :
“ Chris Poppelwell and his whole team at Strata Development are warm and
respectful. They interact with a helpful grace that sets you at ease and allows
you the time to work through the many decisions involved in the construction/
renovation process.” Amanda McReynolds Dorian
“ The team at Strata Development have great communication! Construction
can have a lot of variables involved and Strata is transparent open and honest;
they suggest solutions and make sure they leave nothing unresolved.” Jack
Hairstyle Inn Salons in Saskatoon is a family run business with 3 generations of artistic hair design. The design team members have trained thousands of stylists and they are regularly used by major manufacturers to showcase their color, cut and texture design techniques. Also, impressively, the artistic design teams work has been featured in movies, theatre, hair shows, commercials, fundraisers, TV & Awards. Hairstyle Inn are Trusted Saskatoon salons. In their most recent article, they discuss hair products from the salon and the store.
The Truth About Professional Hair Products vs. Store Brand
The battle between professional and store-bought shampoo has always been a close one. In one corner is your beloved hairstylist, touting the pros of their fancy bottles of premium shampoo. In the other is your best friend with great hair who pays $1.99 for a gallon of shampoo at Walmart. What's really the difference? Is salon shampoo really worth the price? After all, we're talking about hair soap here, right?
Is Professional Shampoo Worth It?
Think of shampoo as wine, clothing, shoes…etc. Using wine as an example; all wine is made of grapes and with similar processes yet some are worth a few dollars per bottle, while some go for hundreds. Just like a professional wine steward can tell subtle differences in many aspects of any bottle of wine when compared to another, a professional hairdresser can do the same with shampoo.
Both professional and non-professional companies are forever formulating what they tout as safer, more effective shampoos with specific ingredients for specific purposes. The bottom line is that there are few differences with some and many with others when choosing between pricey professional salon shampoos and store shampoos. On a basic level, they are all designed to wash the hair and the scalp and are all made of similar basic ingredients, but after that many things change. Some people splurge on expensive shampoos for the same reasons wine lovers fork over big for premium wines. All have similar effects, but in the end if you understand ingredients, quality and process, you will have a better appreciation of the taste and flavour notes. What's important to you in a shampoo might not mean anything to someone else—so focus on a few factors that matter to you. Understanding things like ingredients, quality and process help choose products that will work best for you and your budget.
The first thing a consumer wants to know is, "Does it work?" For many folks, buying shampoo at the salon is a luxury at a cost they can't justify. We've all had the experience of visiting a friend who had "the good stuff" in her shower, and chances are good that you snuck a drop or two. You may or might not have noticed any difference. Many variables are at play here, namely your hair and your water. Your hair's texture and condition affect how the shampoo's ingredients perform, and so does the water you use to rinse the shampoo. Hard water with lots of minerals doesn't rinse as easily as soft water and leaves substances in your hair that affects how it feels and holds a style. The best thing to do is an experiment. Ask your stylist if she has samples you can try, and compare how they perform or go with their recommendation. Many salons have great return policies if the product is not right for you..
When defending the price of professional shampoos, a stylist will almost always tell you that salon shampoo is more concentrated. You use less per session so it lasts longer and so the cost difference isn't really as great as it would seem. This can be true. Salon shampoos might contain the same ingredients as their off-brand counterparts, but the concentrations of these ingredients are not the same. You've seen the gallon-sized jugs of "bargain" shampoo that have the consistency of water, which is evident when you pick one up from that bottom shelf and shake it. That's because much of it is water. Of course you can't always tell at the store how concentrated shampoo is from the bottle. In that case, check the directions: how much shampoo do they say to use?
Again, what you need from a shampoo depends on your hair and how you want it to behave. Store-bought shampoos tend to have more water, sulfates, and fillers with fewer vitamins, oils, and minerals than salon formulations. If your hair's in great condition and all you want to do is get the oil and dirt out of it, you may not need anything special. If using "gentle" shampoos with fewer fillers, sulfates, and buildup-creating waxes is important to you, then go for it.
Shampoos that claim not to strip color typically don't contain sulfates, the ingredients responsible for bubbles. A lot depends on the kind of color you use, how long it's been in your hair, and other factors. If the foamy experience isn't important to you try one of these shampoos to see how your hair color responds.
Professional Hair Products vs. Store-Bought
When you purchase your shampoo from your stylist they are likely to feel honoured that you trust their recommendation and expertise. Plus, many salons offer a money-back or equal-exchange guarantee on products. Your stylist will stand behind their recommendations and will help you find a great shampoo without your having to buy several different bottles to get the right formula. Your local drugstore can't offer that same level of tailored service.
In the end, your choices in shampoo—and wine—come down to whatever is important to you. Both store-bought and salon formulations may do the job. If cost is your deciding factor, going with the cheap drugstore version may not do your hair any harm. If your relationship with your stylist is important to you, invest in your hair and stylist. If fragrance is your thing, go with whatever your sniff test tells you. When it comes to shampoo, value is subjective—and the answer to the salon vs. store-bought shampoo question is know your information and decide what your hair is worth.
Remember your hair is your #1 fashion accessory!
Hairstyle Inn Salons in Saskatoon is a family run business with 3 generations of artistic hair design. The design team members have trained thousands of stylists and they are regularly used by major manufacturers to showcase their color, cut and texture design techniques. Also, impressively, the artistic design teams work has been featured in movies, theatre, hair shows, commercials, fundraisers, TV & Awards. Hairstyle Inn are Trusted Ssakaytoon salons. In their most recent blog, they discuss dry cutting vs. wet cutting and which is best.
Dry Cutting vs. Wet Cutting. What's Best?
Throughout my career, I've always taken interest in the divide amongst haircutters who have a preference for wet or dry cutting. In most case, I've heard great arguments for why one is superior to the other. I've gone through phases of experimentation with both and have concluded that there are certain variables at play when cutting hair dry vs. wet and vice versa. Let's take a look at the benefits of each more closely.
Cutting Wet Hair
Cutting wet hair offers you a great deal of control. This may be necessary when working with heavier densities and coarser textures that may prove problematic when cutting dry. The moisture in the hair acts as both a lubricant and adhesive, binding hair and acting as a sort of detangler, making it easier to part and secure. Wet hair also has greater elasticity than dry hair. This helps the hair to stretch more, resulting in strong shapes that are retained for long periods of time. It is also the recommended method for those precision cuts. As for the downsides, cutting hair wet takes some effort as often you will still have to check the hair when it is dry, which takes time. Wet cutting sometimes makes hair look choppy once it has been dried. This is a balancing act that most stylists encounter. Ask if wet cutting is best for your look and finished style.
Cutting dry hair
Cutting dry hair allows your stylist to create softer shapes more easily. In most cases cutting hair, dry allows your stylist to create shape and texturize at the same time. This can be done by pointing or notching into it, a process that is slightly more difficult with wet hair because of its binding properties. Cutting hair dry is ideal for refinement as the effects can be measured in real-time without the weight of moisture, as the hair lives where it is cut. It is for this reason many hairdressers have a preference for cutting hair dry. Trimming, low densities and finer textures are also good conditions for dry cutting as they require less control and maybe more easily handled. Maybe a client is reluctant to have their hair cut at all. Dry cutting is a great way to minimize the amount of hair taken off and could be a better fit for these clients than wet cutting. Lastly, cutting hair dry can be done at a fast pace so don’t think the stylist is just being lazy or short of time. Dry cutting often takes greater skill and talent.
There are pros and cons for both wet and dry cutting, and although the case can be made for choosing one over the other, I've found a lot of control in using both when the situation calls for it. Ask the question of your stylist and decide which one or if both might be the magic approach to tame your amazing locks.
Remember your hair is your #1 fashion accessory!
Wood FX Contracting is a Saskatoon family owned and operated with over 18 years experience. Their carpenters and renovation team consist of hardworking individuals ready to tackle your interior home renovations - big or small! They are on-site daily ensuring client satisfaction. In this article, they explain what the Janka Hardness Scale is. Wood FX are Trusted Saskatoon Carpenter and Renovation Pros!
The Janka Hardness Scale
Hardwood flooring is one of the best decisions you can make when it comes to interior home design, as it is a product that never goes out of style. It’s easy to assume that all hardwood flooring is the same when it comes to durability, but this is actually quite far from the truth. Hardwood’s actual hardness is measured by something called the Janka hardness scale. Let’s take a look at what the Janka scale is and how it works.
What is the Janka Hardness Scale?
The Janka hardness scale is a way of measuring the hardness of a given piece of hardwood. It was invented in the year 1906 by an Austrian wood researcher named Gabriel Janka, and it is an adaptation of the Brinell hardness test for metals. In order to better understand the Janka scale, you first need to know how the Brinell test works. The Brinell hardness test is used to test metal materials that are too coarse or rough to be tested by other means. The test involves a steel ball with a 10mm diameter being pressed into the material’s surface under 3,000 kgs of pressure. The resulting indentation is then examined to determine the hardness of the material.
How Does the Janka Hardness Scale Work?
The Janka hardness scale works in a very similar way to the Brinell test. It measures the pounds of force (lbf) it takes to drive an 11.28 mm diameter steel ball halfway into the surface of a slab of hardwood. A test done on the surface of a board, perpendicular to the grain is called a test of “side hardness”, while the same test being performed on the cut surface of a stump is called a test of “end hardness”. Every hardwood board will not yield the same test result, seeing as the hardness of wood varies with the direction of the wood grain, and will be different from one board to another. While durability issues come up when we look at different types of wood grains, there is usually not much deviation when it comes to differences in separate types of wood material, as estimates usually find the difference to be about plus or minus 10%.
Why is a Janka Hardness Rating Important?
Hardwood flooring is a big investment and will typically cost you a pretty penny, so you’ll want to make sure you are getting top quality wood that is not going to deteriorate or wear down after a few short years. While wood with a low Janka rating can still serve you just fine, it is only going to do so if you live a quieter lifestyle that does not involve your home seeing heavy foot traffic. If you have children and/or pets, try to find hardwood with a higher Janka score. A Janka hardness rating is going to give you a great indication of what kind of wear and tear your hardwood is going to be able to handle, helping you make a smarter decision when it comes to making a purchase.