Trusted Tips and Resources

Trusted Tips & Resources

Gibbon Heating and Air a Trusted Air conditioning and Furnace expert Trusted Tip on Furnace scams!

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 Heating & Air Conditioningrequirements they provide a Trusted Tip on being aware of Furnace Con Jobs .

Saskatoon is still enjoying pretty great Winter, but freezing days are right around the corner. There's a growing concern about fly-by-night furnace contractors who may try to rip you off

1. What's the set-up for this con game? Like many contractor cons, this game begins with a knock on the door. The guy on your step may look the part – dressed as a workman, with a clipboard and tool belt – and he’ll offer a “free inspection” of your furnace. If you resist the offer, he might tell you horror stories about a neighbour “a couple streets away” who had major problems and was unaware of the danger or remind you of some real disasters that were recently in the news, like the house in Regina that blew up in May after an undiagnosed gas leak...or the Neighbourhood in California last year that was destroyed.

2. What happens when the con man does the inspection? Without fail, the con man finds a huge problem, one that requires immediate attention – he’ll almost always try to convince you that the house will explode or that your home is filling up with noxious gases even as you’re talking to him – and he’ll offer to get his “emergency crew” to you the same day if you’ll pay some portion of the inflated estimate up front. If you resist, he’ll threaten to “red tag” the furnace, which he says would mean you’d have to have a city inspector out to restart service at additional costs.

3. What’s the reality here? Even if your furnace has a major problem, no reputable and Trusted company is going to claim that the house is going to blow up if you don’t write a cheque in the next five minutes. Most of the time – even in the worst cases – you can shut off the gas, open a window, and be safe enough to call for a second opinion. Whenever anyone tries to convince you that you need major repairs on the spur of the moment and wants money up front to start the job, you need to stop everything and think about the decision. Don’t allow yourself to be pressured, and definitely don’t let a con man throw you into a panic. Unless you’re talking to a city employee with proper identification or a contractor you’ve called to your home because you suspected a problem, there’s no reason to drop everything and run screaming from your home on the say-so of a stranger. Con men are experts at causing pressure and panic. Don’t fall for it.

4. Do the furnace inspections offered by local dealers make sense? Absolutely! Gibbon Heating and Airconditoning offer Furnace inspections for a reasonable fee and SHOW you what to look out for , so you can rest assured in the future.It’s not a bad idea to invest in the visit. Most of the time, besides checking for cracks in the pipes, leaks, and other serious problems, the worker will change the filter and get the unit ready for winter. If you don’t know anything about maintaining a furnace, that’s a great way for you to stay ahead of costly repairs and make sure that your furnace is operating properly. Plus, there’s a certain amount of trust built into the fees a reputable company charges for its work. Companies might offer free inspections, and some do that as a courtesy, counting on a percentage of those inspections resulting in lucrative jobs, but the temptation for some businesses to find something wrong – anything wrong, really -- when they’re offering their expertise is pretty high.

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 AIR CONDITIONING & FURNACE EXPERTS Right here in Saskatoon!

 

 

 

In other News Trusted is proud and thrilled to announce that www.trustedsaskatoon.com has been nominated for not 1 but 3 SABEX awards in Saskatoon. Sara the Trusted Founder received this email today that we would like to share with you:

"Dear Sara Wheelwright, Congratulations! Your company, TrustedSaskatoon.com has been nominated for a 2012 Celebrate Success SABEX (Saskatoon Achievement in Business Excellence) Award Presented by PotashCorp.! Your company was nominated in the following categories: Customer Service (Sponsored by CIBC), New Business Venture (Sponsored by SaskPower), and Small Business of the Year (15 or less employees) (Sponsored by TD Canada Trust) Excellence inspires - At The Greater Saskatoon Chamber it is our mission Build the Best Business Climate in Canada, Thereby Creating a City of Opportunity. This is our opportunity to annually recognize you, our business community, for your continued contributions and achievements. Let us showcase your organization at the 2012 Celebrate Success! SABEX Awards Gala Event. This our 17th year of celebrating excellence with our 2012 Celebrate Success Awards Gala Presented by PotashCorp. The awards banquet is scheduled for May 17th 2012 in Saskatoon."

We wouldn't be even in the running if it weren't for the Trusted Team who work so hard finding these wonderful businesses in Saskatoon ( and Regina), and if they didn't do such a good job and live by the principles and integrity that we set as a standard then the Saskatoon Public wouldn't go to the site and love the site so much ! If we win anything that will be a bonus, we are just so happy to even be considered what a great start to 2012!

Source:BBB Oklahoma Sept, 2010

Saskatoon Mortgage Broker expert TRUSTED TIP: Top 10 Reasons Why to Use a Mortgage Broker.?

 

Top 10 Reasons Why To Use a Mortgage Broker

1. Get independent advice on your financial options.

As an independent mortgage broker, we're not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We'll start by getting to know you and your homeownership goals. We'll make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what's right for you.

2. Save time with one-stop shopping.

It could take weeks for you to organize appointments with competing mortgage lenders - and we know you'd probably rather spend your time house-hunting! We work directly with dozens of lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.

3. We negotiate on your behalf.

Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of Canadian homebuyers. You can count on our market knowledge to secure competitive rates and terms that benefit you.

4. More choice means more competitive rates.

We have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, we also know what's being offered by credit unions, trust companies, and other sources not available to the public. And we can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.

5. Ensure that you're getting the best rates and terms.

Even if you've already been pre-approved for a mortgage by your bank or another financial institution, you're not obliged to stop shopping! Let us investigate to see if there is an alternative to better suit YOUR needs.

6. Get access to special deals and add-ons.

Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include up to 5% cashback for things such as down payment or whatever you choose, free legal fees and appraisals, retail points programs, discounts on appliances and more. We do the math on which offers might be worth your attention when it comes to financing or mortgage insurance - so you get the perks you deserve.

7. Things move quickly!

Our job isn't done until your closing date goes smoothly. We'll help ensure your mortgage transaction takes place on time and to your satisfaction. We are available 7 days a week, evenings and weekends, by phone, text, email & fax!

8. Get expert advice.

When it comes to mortgages, rates, and the housing market, we'll speak to you in plain language. We can explain the various mortgage terms and conditions so you can choose confidently.

9. No cost to you.

There's absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder's fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.

10. Ongoing support and consultation.

Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. We are happy to be of assistance when you need it.

Information courtesy of Tamara Mezzo and Genworth Financial Canada

Find TRusted Saskatoon Mortgage Brokers here in the SASKATOON MORTGAGE Category on THE Saskatoon directory of excellence. 

Saskatoon Mortgage Broker experts TRUSTED TIP: What is a Mortgage Broker?

"What is a Mortgage Broker?"

A Mortgage Broker is basically a "middle man" between you and all the banks and mortgage lenders out there in the Canadian mortgage market. A Mortgage Broker searches and shops the market for you to find you the best interest rate, mortgage product and options FOR YOU, NOT THE BANK!

There are hundreds of different mortgage products and rates in the market that most people don't even have access to. A mortgage broker's job is to find them for you! We can usually offer you better rates and products, even from your own bank.

A Mortgage Broker is for EVERYONE...whether you have excellent credit, poor credit, a large downpayment, no downpayment, refinancing for a lower rate, need extra money on your existing mortgage, mortgage renewals, vacation home purchases including US Homes and much more!

It costs nothing to use a mortgage brokers services...they are FREE to you since the banks pay a finders fee to the broker for finding them new business.

Mortgage Brokers are flexible with your schedule and usually available 7 days a week, including evenings. They can arrange the whole mortgage by phone, fax &/or email and are also available to meet in person at your convenience.

So why not check out your options first with a mortgage broker for one of the biggest investments you will ever make..it could save you THOUSANDS!

Find Trusted Saskatoon Mortgage Brokers listed here in the SASKATOON MORTGAGE Category on THE Saskatoon directory of excellence.

 

 

Tip provided by Tamara Mezzo- who was a Previous Trusted Saskatoon Mortage Broker

Trusted Saskatoon Real Estate experts TRUSTED TIP on Buying your FIRST Home

TRUSTED Ssakatoon realtor Real estate TIP for First Time Home Buyers 

Thinking About Buying Your First Home?

With interest rates low, many renters are starting to think about purchasing a home of their own. While simple rental cost vs. mortgage cost comparisons can be very attractive, buying a home is a serious commitment, and there are many factors to consider:

How long you plan to live in the home.

Selling a home costs money. If you potentially may have to move in the short term, the value of your home may not have appreciated enough to cover the costs of buying and selling. The length of time that it will take to cover those costs depends on various economic factors. Average appreciation tends to sit at around 5% per year. In this case, you should plan to stay in your home at least 3-4 years to cover buying and selling costs. The real estate market can be particularly volatile, however, and dramatic swings up and down are not uncommon.

How long the home will meet your needs.

What features do you require in a home to satisfy your lifestyle now? Five years from now? People tend to remain in homes longer than they initially intend, primarily due to the work and expense associated with moving. Therefore it is worth considering a home with room to grow. Could the basement be turned into a den and extra bedrooms? Could the attic be turned into a master suite? Having an idea of what you'll need will help you find a home that will satisfy you for years to come. Your financial health - your credit and home affordability.

Is now the right time financially for you to buy a home?

Would you rate your financial picture as healthy? Is your credit good? While you can always find a lender to lend you money, people with poor credit tend to pay far more to borrow. Some say that you should refrain from borrowing as much as you qualify for because it is wiser not to stretch your financial boundaries. The other school of thought says you should stretch to buy as much home as you can afford, because with regular pay raises and increased earning potential, the big payment today will seem like less of a payment tomorrow. It is, however, important to stay within your comfort zone. Purchasing a house involves many up-front and ongoing costs, and the stress of worrying about those costs often outweighs the satisfaction that may come from owning a slightly nicer home. To determine how much home you can afford, talk to a lender or go online and use a home affordability calculator. Good calculators will give you a range of what you may qualify for. Then call a lender. While some may say that the "28/36" rule applies, in today's home mortgage market, lenders are making loans customized to a particular person's situation. The "28/36" rule means that your monthly housing costs can't exceed 28 percent of your income and your total debt load can't exceed 36 percent of your total monthly income. Depending on your assets, credit history, job potential, and other factors, lenders can push the ratios up to 40-60% or higher. While we're not advocating you purchase a home utilizing the higher ratios, it’s important for you to know your options.

Where the money for the transaction will come from.

Typically, homebuyers will need some money for a down payment and closing costs. However, with today's broad range of loan options, having a lot of money saved for a down payment is not always necessary - if you can prove that you are a good financial risk for a lender. If your credit isn't stellar but you have managed to save 10-20% for a down payment, you will still appear to be a very good financial risk to a lender. High-ratio mortgages can be a good option for those who haven’t managed to save a large chunk of money (who has?), but naturally, these have additional costs associated with them.

The ongoing costs of home ownership.

Maintenance, improvements, taxes, and insurance are all costs that are added to a monthly house payment. If you buy a condominium or townhouse, a monthly homeowner's association or maintenance fee will be required. If these additional costs are a concern, you can make choices to lower or avoid these fees. Be sure to make your Realtor® and your lender aware of your desire to limit these costs. If you are still unsure if you should buy a home after making these considerations, you may want to consult with an accountant or financial planner to help you assess how a home purchase fits into your overall financial goals.

check out the Trusted Saskatoon Realtors on their listing here in the SASKATOON REAL ESTATE Category on THE Saskatoon directory of excellence.

 

 

Stay Trusted my friends..Safe and Trusted of course!

Trusted shares seasonal goodwill with local charity as we strive to reach 1000 Trusted Saskatoon Facebook fans!

Get into the Christmas spirit with www.trustedSaskatoon.com.

We would love to reach the magic number 1000 fans....so we have an incentive...like the Trustedsaskatoon.com Facebook Group here then share the Facebook post on our wall about this incentive, which invites people to Fan Trustedsadskatoon.com. Once we reach 1000 fans...a lucky fan will be selected at random to receive $500- $250CASH for themselves and $250 which will be donated to a local Saskatoon charity of their choice! It always pays to be a fan of Trusted.....

So FAN,  LIKE and then SHARE the post on your wall to be eligible to win...the quicker we get to 1000...the quicker someone wins and a local charity benefits too!!!

In our short history Trusted has a history of Community involvement here are just some of the previous blogs about this on www.trustedcanada.com

In August 2011:  Trusted community involvement Trusted believes in giving back and will be having a consistent presence in community charities/ non profits and events in all of the Trusted cities we service..in July we sponsored the Tourism Saskatoon golf tournament , we are partners with Tourism Saskatoon , as we know many newcomers visit places they are moving to BEFORE they move and we want to be able to provide them with Trusted resources..think about it .. things like Trusted Hotels for when they visit ...and then Trusted realtors, mortgage brokers, legal and financial services to assist them if they are considering relocation to the city..then of course we have all the Trusted services and stores they need once they get here..how better to give a good impression to potential newcomers than to provide a helpfull resource like www.trustedsaskatoon.com to ensure their first experiences are positive ones...check out Tourism Saskatoons banner ad that appears on our home page!

With that in mind, we are thrilled to be sponsoring a WONDERFUL Fundraising event for Child Find Saskatchewan at the Saskatoons Broadway Theater on Wed September 21st at 7pm. Child Find Saskatchewan is a Provincial charitable organization that educates and advocates for the protection and rights of children and youth. They believe all children have the right to be safe. They are excited to present The amazing : Dr. Draw. Dr.Draw is a Canadian electronic band, after the nickname of their leader Eugene Draw. Draw plays electric violin like you have never seen before and incorporates a guitarist, an electronic keyboardist, an electric harpist, an electric cellist, a rock bassist and a drummer. Dr. Draw’s musical repertoire spans the globe, incorporating many different elements such as rock, classical, pop, electronica, fusion, world and new funk, making this eclectic mix appealing to a diverse audience. Dr. Draw made indie music history in Toronto in 2007 as all three of his albums charted on the official Top 30 Nielsen Sound scan sales chart for his CD “Adagio” Monies raised at this fundraiser will help Child Find Saskatchewan promote awareness of the issues relating to missing children...and it will be a darn good show too! "A MISSING CHILD IS EVERYONES RESPONSIBILITY" Tickets : $40 Tickets can be purchased by calling Child Find Office (306-955-0070). Broadway Theatre will also have tickets for sale (website and from box office). www.broadwaytheatre.ca/eve​nts.php

Nov 2011: Trusted founder Sara Wheelwright is one of the 100 Women in 100 days for Habitat for Humanity Regina inititiative 2012 posted by Trusted Canada | December 15, 2011 07:58 www.trustedregina.com 's first OF MANY non profit and community projects that Trusted founder Sara is supporting across the province , she is one of the 100 women involved in this amazing initiative! Trusted believes in giving back to the community as an ongoing commitment. Regina Habitat for Humanity 100 Women in 100 Days - Nov. 1 - Feb. 8, 2012 What is 100k in 100 Days? 100k in 100 Days is an initiative being undertaken by a group of exceptional women in Regina. The goal of the group is for 100 women to raise $100,000 in 100 days. $100,000 will cover the costs of materials to build a home for a hard-working family who will put in a minimum of 500 sweat-equity-hours towards the building of their home and then pay an interest-free-mortgage. The interest-free-mortgage will allow them to escape high rent payments and begin saving for their future. Participants in this exciting initiative are encouraged to not only contribute financially to this build but also by volunteering on site as well. Build volunteers need not have experience. Our journeyman carpenters will oversee the project from beginning to end ensuring the family has a solid, well-built home to live in. Teams of five or six volunteers will enjoy time on the job site learning and contributing to the house that will become a dream come true for a family looking for their very own home. If you'd like to be one in a hundred contributors/volunteers please call Trish Bezborotko, Director of Fund Development and Communications, Habitat for Humanity Regina at 522-9700 or email tbez@habitatregina: Cheques can be made payable to Habitat for Humanity Regina, please put in subject line 100 K in 100 Days and mail to 1740 Broder St., Regina, SK S4N 2H7. We can also process your donation on VISA or Mastercard. Please call us at 522-9700 to donate using a credit card.

 

  

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S & E Trusted Online Directories Inc
TrustedSaskatoon.com
310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150

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