Trusted Tips and Resources

Trusted Tips & Resources

SASKATOON FINANCIAL ADVISOR share a Trusted Tip on Critical illness Insurance


Cancer survivor reveals why “it is worthwhile to have insurance”

Karen Timchuk is a critical illness insurance policyholder who, when faced with a critical illness, was able to keep her retirement plans on track. This is her story.

In late 2009, only a few years after purchasing her policy, Karen suffered sudden back and abdominal pain which, when investigated, revealed both non-Hodgkin’s lymphoma and colon cancer. “Needless to say, December was dark and gloomy for me,” Karen says. “The fact I was going to get $100,000 was the only good news I got that month.” Karen used the funds to cover the cost of chemotherapy-related drugs not covered by her health plan, take a holiday with her spouse in between chemotherapy treatments and keep up her pension plan contributions. “I was on long-term disability from my job and had to pay over $10,000 into my pension for the 11 months I was off,” she explains. “My plan is to retire in 2014. If I couldn’t afford the pension contribution, I wouldn’t be able to retire on schedule.” Karen also had some concerns knowing non-Hodgkin’s lymphoma can recur. But the benefit amount she purchased allowed her to set aside some funds as a security blanket in case of a relapse. Karen says she is thankful she made the decision to go with the insurance. As her parents both had a history of cancer, her policy was rated. “The premium was around $50 a month more with the rating,” says Karen. At that time, I was in my early forties and felt invincible,” she says. “But even with the rating, I still felt it was a good deal for me. I’m a believer and tell everyone it is worthwhile to have insurance.”

It’s important to remind ourselves that serious health problems can strike any of us at any time. Unforeseen events can derail your carefully thought-out retirement plans and have a devastating impact on your family finances. Imagine having to dip into your registered retirement savings plan (RRSP) savings or cease contributions to make mortgage payments and pay for drugs. Situations like these not only expose you to greater taxes, but can also short-change your retirement nest egg. Planning for the future involves more than just saving money; it involves planning for the unexpected.

SASKATOON MORTGAGE expert Trusted Tip on the SASKATOON DIRECTORY:"Does your mortgage broker or banker have the AMP designation?"

"Does your mortgage broker or banker have the AMP designation?"

AMP stands for "Accredited Mortgage Professional". It is the only national designation for Canada’s mortgage industry. CAAMP (Canadian Association of Accredited Mortgage Professionals) created the AMP designation in 2004 as part of their ongoing commitment to increase the level of professionalism in Canada’s mortgage industry. It upholds the highest standard of mortgage industry ethics and professional excellence. The AMP designation differentiates mortgage professionals from others in the mortgage industry. It demonstrates their commitment to providing you with the highest level of service while finding the best mortgage solution suited to your needs.

AMP’s are committed to finding the best mortgage for you, not the bank! They will explain all your mortgage options and provide you with peace of mind throughout the mortgage process. They can answer questions and provide knowledge from their high amount of education and experience in the mortgage industry. You’ll feel at ease when dealing with an AMP who has met the highest standards of industry performance, ethical business practices and commitment to ongoing education. A series of educational and mortgage experience requirements have to be met to receive the AMP designation and not everyone in the mortgage industry qualifies. As well, 12 + hours of educational courses &/or seminars are required yearly to renew the AMP designation. The AMP represents added value and access to the dedicated services of a professional who is focused on meeting your needs. Ask your banker, mortgage broker or mortgage specialist if they have their AMP designation? If not, look for the expertise of an AMP today!

For more information visit CAAMP’s website at: www.mortgageconsumer.org  

Find Trusted Saskatoon Mortgage brokers on THE Saskatoon directory of excellence. . 

www.trustedsaskatoon.com is the SASKATOON DIRECTORY of Trusted experts...yet we are MORE than just a Saskatoon Directory, we are a growing library of resources across many many categories.

Stay Trusted my Friends SAFE and TRUSTED Of course...always PURELY POSITIVE!  

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

SASKATOON FURNITURE EXPERTS share a Trusted Tip on the SASKATOON DIRECTORY

Lets quickly explore the top 3 myths of why some clients will reject leather.

Myth #1 "Leather is hot and sticky!"

or "Leather is soo cold, especially for the basement!" Many people's experience of leather seating has been limited to the car. When the sun is beating down in a car, it can literally get hot enough to fry an egg on the dash, and of course the seats are going to be absolutely steaming. Same thing in winter...you never worry about hot buns, it is like sitting on an ice cube! Add to that, car makers are not using the highest grade leathers that breathe, and the backseat is almost always a vinyl. A good quality leather sofa set will actually breathe to some extent. If it is cool out, by the time you count to 6 seconds, it is warming to your body temperature, and is also going to disperse the heat. If it is hot out, with no air conditioning in the house and bare legs, you certainly can sweat and stick as soon as you sit down...but think of this. You are sweating whether you are sitting on leather or cloth. On leather, the sweat can be wiped off. On cloth, it sinks in, damages your foams, and is there the next time you place your face on the sofa to lay down. Enough said on that topic.

Myth #2 "We have pets and kids, leather is not in our future!"

 Cloth certainly can provide a great place for kids to roughhouse and mess around without worrying about scratches and damage in the same way as you would see on a leather set. Cloth also is definitely more budget friendly when there is a low limit set on what a client can spend. Of course, there are several downfalls to cloth. Pets can just as easily snag a cloth sofa with their nails as they can scratch a leather set. Once cloth is damaged or stained, it is all over with but the tears. Good quality leather is actually very hard to puncture. You may scratch it, you may scrape it, but it isn't easy to puncture, even with teeth involved. Different types of finishes on leather can lend more durability and have less noticeable scratching. Leather is wash and wear, and is a great choice for persons suffering with allergies, as dust settles on top and can be wiped off. Cloth retains dust and odors much easier. Many people think that they can just throw their cloth cushions in the wash, but it is important to really look at the care labels. Often you will void their warranty doing this, and I have had complaints of never getting the cushions to fit back on the foam properly due to shrinking. Lastly, repairs are lot easier on a leather set, often being barely perceived and maybe looking like a natural scar in the hide. Plus the area of the fix is actually stronger than the rest of the hide! Trying to sew up a hole in cloth is a futile venture, the hole often reappears as soon as there is stress on the fix. It takes a lot to truly damage a leather set. Small surface scratches are often only noticeable to the owner, the average visitor is not going to notice these things. Cloth does have the benefit of a softer feel, and it can add warmth and texture to the look of a room. There is maintenance required though, and high traffic, food eating areas may not be best suited for cloth. I get many clients who want to put cloth downstairs "for the kids", because of cost and no one really seeing it; yet this is the area they use the most in the house, watching movies, snacking with the kids and generally living on their set! Nothing can compare with the ease of care a quality leather set provides. Dog hair vacuums up in a jiffy, spills wipe off in a second.

Myth 3 "Leather is so expensive!"

Well, this is one that I can't really dispute. The only thing I can say is that good quality leather and a good quality cloth sofa are only going to be about 500.00 difference at International Furniture Wholesalers. If you are on a tight budget, I would much rather encourage my clients to look at a cloth set of decent quality with an easy to care for synthetic fabric than go with a very cheap bonded leather. Anything besides a good quality leather set is going to be disappointing as you lose all the great things about leather...the durability, the cleanability, and most of all, the breathability! The one thing I can say is...value. A cloth set wears out, a leather set just gets broke in. I find you get double to triple the amount of years out of a leather set compared to a cloth set. A leather set you can dress up and make look different just by different accents. A cloth set you may tire of and not be able to change the look up as easily, especially if you choose a pattern. A great compromise, and a very trendy look if you truly can't make up your mind is to have of bit of each. A cloth set can be dressed up with a beautiful leather accent chair, or a leather set can be finished off with a lively patterned accent chair and pillows.

 

 check out FURNITURE on our SASKATOON DIRECTORY.  They are your Trusted SASKATOON FURNITURE EXPERTS! 

 

Stay Trusted My friends ..SAFE and TRUSTED Of Course

www.trustedsaskatoon.com ALWAYS PURELY POSITIVE

Trusted Saskatoon THE SASKATOON DIRECTORY reaches 1000 fans on Facebook

www.trustedsaskatoon.com is thrilled and excited ( woooo hoooo ) to reach 1000 likes on their Facebook page.

The incentive to get there ..beyond having the SASKATOON DIRECTORY of Trusted businesses for the public ..meant that our fans canvassed their friends and spread the TRUSTED philosophy and the TRUSTED word...to great..no AWESOME effect...with only 50% of the prize being ' theirs'..... you see 50% of the prize goes to a local non profit right here in Saskatoon...Trusted Saskatoon is from here ...we care about this city and it's people..and we work hard to help them every day!

BECAUSE of our wonderful fans spreading the social media buzz....the VALENTINES www.trustedsaskatoon.com incentive has 4 winners

1. The $250 winner chosen at random is  Rochelle Fjeldstrom.

2. Rochelle then gets to choose the local non profit of her choice to recieve a $250 donation ( Rochelle chose the MS Society of SK)

3. The SPA cert winner gets a $200 Gift Cert for Just for You Day Spa- is  ALAN McKAY 

4. Alan then gets to choose the local non profit of his choice to receive a $250 donation to The C95 Breast Cancer Marathon in memory of Lisa Rendel     

 

As an additional gesture of thanks ....and because of their absolute determination  to help www.trustedsaskatoon.com get to 1000 fans ..... JULIA HERPENGER, LINDSAY CURTIS and JENNY COOK...will all receive a $50 Gift Cert to Spa a hava or Edgewater Spa..Trusted Saskatoon Spas...along with Just for You Day Spa..thanks ladies..you worked your social butts off for months ...:)  

Check us out on our You Tube Channel here  and remember..being a FAN of www.trustedsaskatoon.com  is THE smart and Simple choice..the winning wil never end!

The SASKATOON DIRECTORY of Trusted saskatoon businesses! 

STAY TRUSTED my friends SAFE AND TRUSTED of course!

 

KITCHEN & BATH CLASSICS a SASKATOON BATHROOM Expert Share a Trusted Tip when choosing toilets..on the SASKATOON DIRECTORY

Whether you are building a new home or remodelling a single room, Kitchen & Bath Classics SASKATOON a Trusted SASKATOON BATHROOM EXPERT offer you one of the largest selections of plumbing fixtures, faucets, and accessories from quality names, displaying the latest trends and cutting-edge styles. The showroom consultants offer the best expertise in the business as they understand the building process; working with you to ensure that your project stays within budget and that the right products are delivered on time.

Lori Nadrowski the Saskatoon Showroom manager shares her First Trusted Tip..a NEWS FLUSH no less!!

MYTH – Low Flow Toilets don’t Work!

When working in the showroom it was always surprising how many times in a day the advantages and disadvantages of toilets were discussed. Most would think that clients would spend more time in choosing a new kitchen faucet (as it tends to be usually the focal point in many homes) as opposed to making sure they received the best toilet out there. But after you think about it, what is used more in the home and what do you want to make sure will always continue to work — especially during a dinner party? it’s your toilet! So here is the 101 on choosing your toilet. In order to get a great flushing toilet you do have to spend more than the standard $200 on a gravity flush toilet. As all toilets now are low flow, they have went from 13litre to 6litre to now the new 4.8litre, don’t get discouraged – with all the technology out there the 4.8litres do work and no you do not have to flush twice. A couple things to look for is a larger flap valve (standard is 2″) – this is allowing more water to enter the bowl at once giving it a more forceful flush and a larger fully glazed siphon trapway (standard is 1″) to make sure everything is exiting properly. A great resource in deciding on your toilet is the map-testing website http://www.map-testing.com/index.html  this gives you a complete breakdown between manufacture and toilet and the flushing capacity for bulk removal. What you want to look for, for the best flush, is between 800g – 1000g for bulk removal. Then from there it comes to style, toilets have come a long way, you can get ADA (comfort height toilets), fully concealed trapway toilets (easier to clean), and of course the must have the easy close seat – no more slamming!

Find KItchen & Bath Classics online at http://www.kitchenandbathclassics.ca  in the SASKATOON BATHROOMS category on the SASKATOON DIRECTORY of Excellence...they are your BATHROOM FIXTURES and FITTING Expert right here in SASKATOON !

Check out the you tube video BELOW ON THE COST SAVINGS AND DEMONSTRATIONS!

 

 

Stay Trusted My friends ..SAFE AND TRUSTED of course!

Categories

Previous Posts

ADDRESS

S & E Trusted Online Directories Inc
TrustedSaskatoon.com
129 21st St E #400
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

GET THE APP

App Store Google Play
Follow us on Facebook Linked In Twitter YouTube RSS Feed
Abex
Abex
Stevies
Sabex
NEYA
Website hosting by Insight Hosting