Trusted Tips and Resources

Trusted Tips & Resources

A Great Gym Tip From Trusted Saskatoon Fitness & Gym Experts at Fitness Focus

At Fitness Focus, the goal is to offer a fitness center with a welcoming, fun, and safe environment that all ages can enjoy. They are a forerunner in the fitness industry in Saskatoon. With the ever-changing fitness demands of new and improved classes, training, and nutrition. They are your TRUSTED SASKATOON FITNESS EXPERTS! 

This Fitness Focus Trusted Tip is About Gym Memberships

Starting a gym membership can be exciting but also intimidating. Here are some Trusted Tips on taking that first step and finding the right gym for you.

  • Whether you have tried a fitness regimen before or you’re starting at the gym for the very first time, before you choose a fitness center, you have to start with a goal. Without a goal you’ll have nothing to work towards, making the effort you put in seems like a total waste. Make your goal reasonable, attainable, and specific; and make sure you know the route to attaining it.

  • It’s important to find a gym with an atmosphere that suits you. If you’re not comfortable in the gym, you won’t enjoy your experience, and then it won’t be long until you start to abandon your routine and your goals. See if the gym will offer you a trial pass or “test drive” that gives you enough time to feel it out and see if it’s the right fit for you.

  • Pay attention to the not-so-obvious amenities when you’re looking into a new club. Big windows for natural light, what kind of music they play, and the cleanliness of the facility including washrooms and training area, a wide variety of equipment, and knowledgeable staff. Sometimes it’s these subtleties you might not have noticed at first but they can be the difference that makes it a club you want to make your home for years to come.

  • Convenience! Is the club close to your house or work? If your gym is not easy to get to, you might not use it as much as you had planned. A gym within a stone’s throw of your home can be great, but also consider one that’s close to your workplace. This gives the option to get your workout in during your lunchtime or to avoid the traffic on the commute home after work.

  • Once you have made your decision to join, make sure you read your membership agreement form. There are a lot of standard points on a membership form but many disclosures can change from gym to gym. First, pay attention to membership cancellation policies, sometimes these can be very strict which might not be a problem if you plan to be there for a few years. Watch out for unexpected annual fees; these should be explained in your membership. Ask if there is a membership freeze option and the cost of it. This allows you to suspend payments of your membership in the event you can’t use it due to injury or inability to make use of your membership for a short period.
If you're looking for a gym in Saskatoon and have never tried Fitness Focus, check them out! Experience the great atmosphere, people, and all the major amenities Fitness Focus offers. They offer a weight room, cardio theatre, group fitness classes, tanning, towel service, lockers, and more.

Find Fitness Focus Health & Athletic Centre at 1250 Ontario Avenue, or check out their listing here in the Saskatoon Fitness & Gyms Category on THE Saskatoon directory of excellence. They are YOUR Trusted experts right here in Saskatoon!

Fitness Focus a Trusted Saskatoon Gym


Saskatoon Pilates Centre, Your Trusted Saskatoon Pilates Studio Compares Yoga and Pilates

Saskatchewan’s premier Pilates Centre– the largest and most fully-equipped Pilates studio in the province. Saskatoon Pilates Centre continues to provide top-quality classes with the most experienced and dedicated teachers helping you to experience the integrity of the Pilates exercises integrating body and mind for everyday living. Sounds great, doesn’t it? In their latest tip, they share an article that compares Pilates to Yoga. 

Saskatoon Pilates Is Your Trusted Saskatoon Pilates Studio

"Trust The Experience!"

"Pilates? That's Like Yoga, Right?"

Author: Jo Ann Graser, PMA®-CPT, PMA Board of Directors.  


As a business owner who offers both Pilates and yoga at my studio, I run into this question on a regular basis. My answer can be detailed or basic, depending on my audience. Here are some comparison points about the two disciplines based on my personal experience with both. For the purposes of this discussion, I am comparing yoga to Pilates on the apparatus.  

Origins

Yoga was developed over 5,000 years ago in India with the purpose of connecting individual consciousness to a universal consciousness creating spiritual enlightenment. Poses or “asanas” combined with breath control and meditation improve the physical, spiritual, mental, and emotional health of the practitioner. 

Joseph Pilates began the development of his regimen (historically called “Corrective Exercise” and then “Contrology”) approximately 100 years ago. The underlying theme of Pilates is a systematic and disciplined approach to physical movement through focus and clarity of the mind. Joseph Pilates created apparatuses that could support the body in order to correct dysfunction and improve movement. 

Equipment

Yoga utilizes mats and small props to aid or support the practitioner. Pilates has an extensive array of machines, or “apparatuses,” designed to assist the individual in improving alignment, strength, and coordination. 


Movement

In my experience, yoga poses are typically held for extended time periods to release muscle tension. In some styles of yoga, a long series of poses are repeated sequentially, with the purpose of warming the body to allow for an increased range of motion.

Pilates movements are often guided by the apparatus, which can be configured by the teacher to provide assistance or resistance for the client. The focus in a Pilates session is often on a relatively short piece of choreography emphasizing control and precision. A movement is focused on and repeated for a few repetitions before moving on to the next exercise.

Mind-Body Connection

In many types of yoga, the session starts with the setting of an intention for the practice and ends with a guided meditation and relaxation or “savasana.”  The goals are to clear the mind and surrender to the movement. 

In Pilates, there is constant attention to posture, alignment, and movement mechanics. The practitioner is encouraged to focus on each movement, staying present and intentional. The theme of controlling the body with the mind is ever-present. 

Breath

Yoga teaches breathing in and out through the nose or a “warming breath.” This type of breathing is designed to relax the body and calm the mind. The focus of yoga is on “belly breathing.” The classes I take often use the breath as a mechanism to time each pose for example: "Hold this pose for another 4 breaths.” 

Pilates teaches breathing in through the nose and out through the mouth. This type of breath is considered “diaphragmatic” and is meant to energize and prepare the body for strong engagement. The practitioner is encouraged to “move with the tempo of the breath,” coordinating the two.

Intention

Yoga emphasizes the mind-body and spiritual connection, quieting the mind by focusing on mastery through introspection. Flexibility and strength are improved through the repetition of the asanas. 

Pilates follows a systematic approach, focusing on individual movements as they integrate with the whole.  The intended outcome of Pilates is improved posture and creating a strong, balanced and stable base from which to move.

“You only have one body and you deserve the best.” Kathy Bond

Saskatoon Pilates Classes Include:

  • Mat Work
  • Equipment Work
  • Structural Integration Work
  • Group Classes
  • Open Gym
  • Personal Fitness Programs

Saskatoon Pilates Is Your Trusted Saskatoon Pilates Studio

Trusted Saskatoon Hot Tub experts at Backyard Living Center explain what you should consider BEFORE buying a hot tub.

Backyard Living Center is a locally owned and operated Saskatoon hot tub storeThey offer an exclusive line of high-quality Canadian-built hot tubs that are perfectly suited to the Saskatchewan climate. With a variety of design choices, they have a spa that will suit every lifestyle! Service means everything to owners Sheryl and Matthew! Whether it's finding the perfect spa,  hot tub servicing or repair, water testing, or helping find or deliver parts for your hot tub, they're here to help. In this hot tub tip, they explain what you should consider BEFORE buying a hot tub. Backyard Living Center Is Your Trusted Saskatoon Hot Tub Store!




Does the company that you’re considering buying a hot tub from offer service, maintenance and repairs in-house? What are their fees to repair or service?

We recommend shopping local from a company that services what they sell. Some companies will charge significantly more for parts, their hourly rate, and service call-out fee, ask before you buy so there are no surprises.


What is included in the hot tub start-up kit? How long will the start-up kit last? Is there anything that you’ll have to buy in the first 1-3 months?

Chances are you’ll want and need a second filter so that you have a backup when you’re doing a deep clean of the filter. You’ll also need products to raise and lower alkalinity, PH, etc. If the start-up kit doesn’t include those items you might want to budget or at least be aware that they are products you will need.


How does the company support you after you’ve received the hot tub? Do they offer water testing? How do they support you with your water balancing?

Look for a company that cares about its customers and offers support after the sale. There is a bit of a learning curve, especially in the first month of owning your first hot tub. It’s nice to be able to call, email or text a water care specialist if you have any questions. Even better is having someone reach out to you to see if everything is going well.

Does the hot tub have a circulation pump? Why is this important?

-Having a circulation pump is very energy efficient (it also saves you money).

-It circulates and filters the water 24/7 cleaning the water constantly (cleaner water means easier water care).

-It is whisper quiet. We had our last hot tub about 6 feet from the foot of our bed and couldn’t hear it.
Do they offer a free site inspection before delivery? Before the installation date, will a technician come out and take a look at your yard, make recommendations of where to place the hot tub, go over what options you could consider for the base, make sure they can safely get the tub in place, and answer any questions you have?


What does the hot tub delivery include? 

Do they drop the hot tub off at your curbside and leave you to deal with getting the 800-pound hot tub into place in your yard? Or do they put the hot tub in place, fill the hot tub and give you an orientation so that you know how the hot tub works and how to balance the water?


Are there proprietary parts used in the hot tub? Is this a good or bad thing?

If proprietary parts are used you are tied to that store to buy parts. Proprietary parts are usually much higher in price than parts that can be purchased from any pool and spa store. What happens if the store is closed for a long weekend, or they don’t answer their phone in the evening and you have a leak? You could call us to fix it, but if it’s a proprietary part we wouldn’t have it, and chances are, we wouldn’t be able to order it.


See their selection of in-stock H2O Canadian-made premium spas at their showroom on Brodsky Avenue, or visit their website for more choices and information on hot tub supplies, hot tub care and maintenance and service. Take it from us… you will not be disappointed!!!

Your Backyard Oasis is Waiting For You!

You can read more amazing client testimonials and see all products and services they offer by checking out the Backyard Living Center’s listing by clicking on the link below. 

Backyard Living Center is Your Trusted Saskatoon Hot Tub and Outdoor Furniture Store!



Trusted Saskatoon Mortgage Broker Tammy Wandzura Explains Mortgage Rate Hike Hype, What Clients Can Anticipate

Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura is 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 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. In her latest Saskatoon Mortgage tip she shares information on the 2022 mortgage industry landscape! 

Tammy Wandzura Explains What Clients Can Anticipate With Rate Hike Hype 

As we anticipated, the APRIL 13/2022 Bank of Canada increase by .50%

Many economists are currently predicting faster and higher increases to the Bank of Canada (BoC) prime lending rate than previously suggested.

Information, speculation and predications are changing by the day.

As the issues surrounding Canada’s inflation concerns remain the same (funds being injected into the economy due to COVID-19 programs and aid, and never ending supply chain issues), inflation numbers are coming in stronger than expected and the BoC is considering aggressive actions to fight rising prices.

As you hear of increasing rates, it’s important to know HOW and WHY rates move and are adjusted.

This information MAY assist you in making a plan and decision moving forward.


The Bond Market (and how affects FIXED rates) WHY are fixed rates moving UP faster than the Bank of Canada (BoC) Prime lending rates. 

  • Bond yeilds are determined buy 100000's of people, investors, institutions, pension funds and massive amounts of investors buying and selling each day.
  • Bond yields move up and down (like stock) based on what someone is willing to buy for and what someone is willing to sell it for in real time. These trades happen on a Government of Canada bong yield probably every 10 seconds.
  • The Bond market is like a big voting machine - 100000's casting thier votes (should I buy, or should I sell) based on what they are seeing in the market. (speculation)
  • That is why when you look at a chart on Bond yields, they look volitile, they go up and down quite a bit.
  • That is what our fixed rates are priced at - the Government of Canada bond yields move when the Goverment of Canada bond yeilds move.
  • More volatillty than Bank of Canada.

VS The BANK OF CANADA

  • Very stern - carefully measured institution that calmy meets 10 x a year.
  • The BoC is considered and measured in thier decisions - as they put their hand on the policy rate lever and decide whether they should raise rates or not.

As information changes, we are here to help you and assist in making decisions moving forward.

Deciding between FIXED and VARIABLE/Adjustable rate options comes down to weighing the pro’s and con’s and information available at the time you make the decision.


If you currently have a Variable/Adjustable rate mortgage – considering the long game is essential.


  • Statistics show that a Variable/Adjustable rate mortgage will save you, 80-85% of the time (based on the last 25 years of historical data)
  • Fixed rates will always be higher than they would have been when you booked your mortgage in an inclining rate environment
  • Going Variable as a short term strategy will always be more expensive
  • Remember: your variable/adjustable rate has a DISCOUNT locked in OFF of the BoC prime rate
  • Although Prime is moving up, you must consider your discount (and) what current fixed rates are sitting at in comparison
  • Reviewing current fixed rates vs speculation on increases is important
  • A reminder: (if you have not done so already) set your payment as if you are paying a fixed rate mortgage. This is a fantastic strategy to encompass interest savings and principal balance reduction between BoC rate bumps
  • Remember: Prime rate does not go up all at once


An increase to Prime rate will have a direct impact on everyone that has a VARIABLE rate / ADJUSTABLE rate and Line of Credit.

The increases and impact does NOT mean your payment will double or triple, but it will adjust and move up.

The age old question: FIXED vs VARIABLE/ADJUSTABLE mortgage rates.

  • Risks of VARIABLE/ADJUSTABLE rate mortgage
  • Prime could increase faster than expected through 2023 or continue rising to a higher peak than expected in 2024/25.
  • Today, most economists expect that Prime will increase by about 2% over the next two years, but that could change if inflation continues to be stronger than anticipated.
  • Reasons to Stay Adjustable/Variable
  • Short term savings: If you have a competitive discount on your mortgage rate, you will be guaranteed to continue saving interest costs for the next 12-24 months even as prime increases.
  • Long term possible savings: If you believe that Prime won’t continue rising through 2025-27 because the national and global economies and supply chains will be recovered by then, you will stand to save further interest costs in those years if the Bank of Canada starts to reduce Prime to avoid recession.
  • Flexibility: If there is a significant chance you may sell the mortgaged property in the next few years (to upsize for more space, downsize as kids move out, to relocate for a new job, etc), the penalty for canceling an adjustable/variable rate mortgage is usually much lower than that of a fixed rate mortgage.


  • Risks of LOCKING into a FIXED rate mortgage
  • If Prime increases over 2022-23, but then starts to decrease as supply chains recover and governments want to avoid a recession, you are stuck paying a higher interest rate or paying a hefty penalty to refinance.
  • If you cancel your fixed rate mortgage mid-term, you can potentially be charged an Interest Rate Differential penalty which is much higher than 3 months interest (the penalty on an adjustable/variable rate mortgage).
  • Reasons to LOCK IN
  • Peace of Mind: if you are uncomfortable not having control over if/when your mortgage payments increase or any type of financial risk makes you worry and stress, you should lock in your mortgage to a fixed rate.

  • Fixed Income: If you have a fixed income (pension, annuity, etc) or your family finances are tight, then you may not be able to adapt to mortgage payments higher than a specific threshold. In this case, the security of a fixed rate mortgage might be best, even though it means paying more in interest and having higher payments over the next few years. It’s like buying insurance – you spend more money in interest today for the guarantee of knowing your payments will stay within your budget.


As your Mortgage Consultant, we are regularily sitting in on calls, listening to the narrative, reading the articles and the economist predictions.

Overall, we are here to collect as much information and data to share.

Recently (December 2021) I sat in on a call with other industry colleagues as we reviewed current events and discussed what to consider moving forward.

Although, speculation continues to eb and flow as we lead further info 2022, there are a few points made that need to be considered now and in the future.


MORE FOOD FOR THOUGHT......( as taken from a call in December, but a few points still hold merit )

  • There is a disconnect between Bond market and the BoC and US Federal reserve (aka central banks).
  • Central banks continue to think that inflation will be transitory and that economies need a lot of stimulus.
  • Bond market things that the BoC will be forced to raise by more than what it expects.
  • Right now, the BoC expects will start start increasing middle quaters of 2022.
  • Bond market does not belive that.
  • Bond market is already pricing in speculated rate hike (therefore fixed rates have gone up based on that Speculation). 
      
 How likely is it to happen?
  • Bond market is betting on a future outcomes and a lot of the time gets it wrong.
  • Its not to say they will be wrong - but there is alot hype and noise in there.
Bank of Canada
  • increases take 12-18 months to bake into the economy.
  • Remember- the momentum that we have in our economy right now was earned by CRAZY amounts of government stimulus and aggressively loose monetary policy. IF the BoC were to hike rates right now it would kill the same momentum so why go to all the trouble to hike rates aggressively unless you have absolutely no choice.
  • The Bond market thinks its going to happen - they are pricing in - but the BoC is pushing agaisnt the narrative.
  • That is why you see the spread in rates.
  • Variable rate discounts have onlyu slightly changed as they are based on the BoC policy rate.
  • And bond yeilds have pushed fixed rates much higher.
Even if we were to get a ton of rate hikes - bottom line...would push us into a recession and we would likley see decreases coming down the other side. 

What's going to happen when then BoC starts starts to increase.
  • They meet 10 x a year (if they increase, historically speaking they increase by .25 at a time) they generally let one meeting go by before they hike again.
  • The BoC is on record saying they may not have to increse as much as they have had to in past cycles to bring inflation to heel.
  • How many times in total - hikes?
  • Historically (past cycles = 6 hikes)


In the end, it’s a very personal decision. 



Call Tammy Wandzura today Saskatoon mortgage needs OR visit www.elitemortgagechoice.com

Tammy Wandzura is a Trusted Saskatoon Mortgage broker





Trusted Saskatoon Carpet Cleaners The Carpet Guys Share What's Hiding In Your Carpet

Trusted Saskatoon Carpet Cleaners, The Carpet Guys are locally owned and operated with over 30 years of experience in the SASKATOON CARPET CLEANING industry. You can rest assured that you are hiring quality and expertise when you give “the Guys” a call! In their latest tip, they share some tips on what's hiding in your carpet.

What's Hiding In Your Carpet?


What Could Be Lurking In Your Carpet?

Everything that lands on your carpet could have the potential to stay there, even if it's not an obvious stain.

Dust particles, hair, mould spores, and pet dander.

Almost invisible to the naked eye, they fall off your clothing and land on your floors. Walking over carpet grinds these small particles into the fibers and underlay, often leaving a carpet that looks clean but can negatively impact the air in your home.

Stains

Stains are also a problem. For example, stains caused by red wine or pet urine can actually provide a food source for bacteria living in your carpets.

Getting rid of carpet culprits

Vacuuming is always the first step in removing contaminants from your carpeting. Make sure to vacuum one or two times per week, and use a newer vacuum with powerful suction and built-in HEPA filters for a better chance of pulling up mites, allergens, and dirt. But even the best vacuum can't remove everything that hides in your carpet.

​​To deal with the bulk of the particles, consider hiring a professional carpet cleaning service. Most companies use steam cleaning or dry-cleaning techniques to eliminate contaminants and remove stubborn stains. Professional carpet cleaners recommend at least one cleaning per year, but high-traffic areas might require more frequent cleanings.

Don't take a risk anywhere else! Contact them for an estimate today 

SERVICES - For fast service call or TEXT (306)-222-2561

DOMESTIC & COMMERCIAL SASKATOON CARPET CLEANING

  • Carpet Cleaning
  • Upholstery Cleaning
  • Scotch Guarding, Spot & Stain Removal
  • Pet Odour & Flood Clean-up

Saskatoon Carpet Guy is a Trusted Saskatoon Carpet Cleaning Company


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