Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Realtor Clark Dziadyk Gives Tips on How to Get Into Today's Housing Market

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.

 

Read what clients have to say about Clark Dziadyk hereClark Dziadyk is 'The Realtor in Your Neighbourhood'


Trusted Saskatoon Realtor Clark Dziadyk explains some tips from a recent online blog. Here are some tips on how to get into today’s housing market:


Tips to Get into Today’s Housing Market from Trusted Saskatoon Realtor Clark Dziadyk




# 1 Become a Landlord


Most people don’t know that if you buy a home that contains a rental unit, the income from that unit can help you to qualify to get a mortgage. For example, if you were to buy a home with a basement suite, you can rent out the basement. For maximum income, you could even live in the basement suite yourself and rent out the upper portion of the house.

In order to cut costs, even more, you could look into doing renovations to the rental yourself, which is, of course, more work but it could save you lots of money in the end. Rental spaces are definitely worth exploring! You can always run the numbers on purchasing certain properties with rental spaces in them to determine the best possible outcome for you. Worried about irritating and irrational tenants? Or dealing with the regulations that come with renting out a portion of your home? Concerns such as these can be dealt with by screening tenants during application processes. Make sure to check out the Government Canada website for regulations that need to be followed.


# 2 Go in With a Partner (or a few)





A huge way to cut costs would be to split everything between you and another or a few people! Let’s be honest, these days it’s becoming common for couples to find themselves living with other couples! To make this happen, you must first choose a worthy partner. Whether it be a few siblings sharing a house, a couple friends splitting a condo well you get the idea! You may be able to split the bills, monthly payments and the havoc of a down payment with one or more people! A few things need to be in place in order for this process to work! Like well-chosen partners, a draft of a co-ownership agreement drawn up by a lawyer that spells out all of the rules, and a system for communication between partners to make sure that everything moves smoothly. Communication between housemates is key, especially in preventing miscommunications and conflicts.

Another alternative in order to lessen your stress is to consider co-ownership opportunities. These allow you to buy shares of a company that owns the property, or to buy a small ownership percentage of the property. By doing this, it grants you specific rights to a unit itself. 


# 3 Consider Using Your RRSP


As a first time homeowner, you have written proof that you plan to build or buy a new home and you have money in your RRSP. As a Trusted Saskatoon realtor, Clark Dziadyk can help you with all of your pre-ownership needs! You may be able to use the RRSP Home Buyer’s Plan to get your hands on a tax-free down payment. However, if you are helping a relative with a disability through this process, you also qualify! The Home Buyer’s Plan allows each spouse to withdraw $25,000 to purchase a house. The only downfall is that you need to pay the money back to your RSSP in annual payments within 15 years. Any amount unpaid within that timeframe will be subject to income tax.

Tax-free money homeownership looks pretty good, doesn’t it? Or at least being able to start off your homeownership using tax-free money is. Depending on your individual tax bracket, it could be like having almost twice as much money at your disposal. You just cannot forget about those annual repayments in your new budget. 


#4 Make MORE Money


This is always the end goal in life now-a-days isn't it? 

Home prices seem to be increasing but that doesn’t always mean that your income is. An obvious solution is to make more money; however, this is easier said than done. Here are some approaches that can be taken:

The quickest approach is to ask for a raise at work. This can be a lot to ask, but it doesn’t always have to be. Communicating to your boss that you’re looking to settle down and buy a home (first time, second, upgrade, etc.) and what income level you’re striving for in order to make it happen, you could persuade them into giving you the raise you are looking for! In the end, asking for a raise is like a sales pitch. You are selling yourself by describing the situation, your goals, how to leverage your strengths, and ultimately asking for the raise itself. Whether you believe it or not, employers are people! Generally, people like to be as helpful as they can towards others. Sharing personal stories always have a measure of relatability to them, and more often than not they work better than pure logic.

On the other hand, if you’re willing to open yourself up to new opportunities, there is no harm in looking into another job. Shop yourself around and see if you are truly earning what you should be in your career marketplace. You will surprise yourself and may open new doors to new job opportunities in your field. Increase your network and speak to recruiters, you may find the job that you’ve been looking for that increases your income!


# 5 Relax


Let’s be honest, you’re not getting any younger. You want to be a homeowner! The whole process can be very stressful for a person. In order to relieve stress, you should consider using a Trusted Saskatoon Realtor such as Clark Dziadyk!

You need to make sure you’re ready before you become a homeowner! The right house will come along, it always does! Clark can make sure that you find your dream home! We live in a real-estate obsessed culture, but the relationships you build with family and friends will be the real key to your happiness in the long run. 

Set goals for the next few years of where you want to get to and take it one goal at a time. Write out your plan for home ownership and hold yourself accountable to it! Meanwhile, take a deep breath, relax, sign up for a yoga class and don’t rush things. You will be a homeowner one day! Believe it!








This article was adapted from Zoocasa.


CLARK DZIADYK, The Associates of Ron Baliski Realty Inc. Coldwell Banker and he is 

a Trusted Saskatoon Realtor. You can find him at 1322 8th Street East Saskatoon! View his Facebook page here!



           

The Cleaning Professionals at Fresh Living Say "Get Your Kids to Clean"!

You know those spotless, clutter-free, amazing looking rooms you see in magazines? That can be your home. Seriously! Fresh Living’s founder, Chantal Hounjet, created the company out of her combined love and talent for interior decorating and home improvement which paved the way to a career in Home Staging and Interior Redesign. Chantal is an International Staging and Redesign Professional, bringing her talents directly to your door! Fresh Living is a Trusted Saskatoon Cleaning Service & Trusted Saskatoon Interior decorators and staging professionals!


Get Your Kids to Help You Clean With Some Tips From Fresh Living!


If your house needs a hand and there are kids around, why not put them to work? They may not always enjoy helping tidy the home, but here are some ways to make it more fun for them and, by extension, less painful for you!



Setting the Process


The age of the child can be a slight trick to this, but all the same, having them enjoy the process is what helps. It can be frustrating to forget the tasks at hand, so a chalkboard checklist can make all the difference in the world! It may only be scratching item X or item Y off at a given time, but if there’s a set reward at the end… well, we’ll get there in a moment!


Keeping it Realistic


Remember that time you perfectly finger-painted Monet’s Water Lilies when you were six?

Probably because that’s not a thing kids do. Toddlers and young children aren’t known for their dexterity or situational awareness, that’s why watching them chase the ball around in soccer is often so darned cute!


Lower dexterity is why it might be a little difficult for the younger kids to make the bed, or neatly fold their laundry. Rather than applying the tykes to frustrating tasks, get them to work from their strengths: dogged determination and an abundance of energy (that you wish would shut down by 8pm most nights)!

Getting their dirty clothes into the laundry hamper, putting their shoes away nicely, putting toys and art supplies back where they belong, keeping the floors of common areas straightened up, having them use the vacuum, or pick weeds – there are plenty of tasks that kids are happy to do. Opportunities to contribute to the order and goodness of the household, and appropriate praise, are a staple. Speaking of which….



The Other "R-Word"


We’ve talked Realistic. It’s time to discuss “rewards.” Whether you believe in allowances or not, children like knowing there’s a carrot at the end of the race. Allowances work fine, but another consideration is an arbitrary “points” system. I mean, you were going to take them to see that new animated movie anyhow, right? That puts the tasks they do into their capable hands – if they want to go to the movie and they feel responsible for the actions they take to get to the movie, then obedience is second-nature behind what they chose to do.




If you need some professional help getting the house clean, give Fresh Living a shout!! Fresh Living - Trusted Saskatoon Cleaning Service!


Trusted Saskatoon Mortgage Broker Tammy Wandzura Explains Why Referrals are So Important

Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura your 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.

Tammy Wandzura Trusted Saskatoon Mortgage Broker Explains WHY Referrals Mean So Much!



"I would like to extend a HUGE shout out and THANK YOU to each and every current client, previous client, friend and family member that has ever referred to my services. I have been in the Mortgage and lending industry since 2002 and I have been so fortunate to assist so many people in making their dreams come true!"

Home Ownership is an Amazing Achievement and a HUGE Commitment


"I have had the opportunity to help thousands of first time home buyers make the BEST decisions and continue to assist with renewals and refinances."

Why are Referrals So Important?


"People love referrals. They love knowing that by making that first call they will be taken care of from beginning to end. With all of the new Mortgage rulesthe average person needs to feel comfortable and know they are dealing with an expert. We work diligently to create a true customer service experience with every single client we work with. We are not just about the lowest rate. Much like your Insurance Advisor or Financial Advisor;  I am your Mortgage Advisor. My job is not complete when the “transaction” is complete. I am here to continue reviewing your details regularly to ensure that I am helping you meet your future financial goals. In today’s day and age – good customer service can be hard to come by. Amazing and great customer service is far and few between. We want each client to feel that we have taken care of all of their mortgage needs today and in the future."

You can continue to give online reviews here, they are greatly appreciated!  

Call Tammy Wandzura today at 306 933.3386 for all of your Saskatoon mortgage needs OR visit www.elitemortgagechoice.com

Make an appointment with Tammy Wandzura at TMG, #1-511 1st Ave N or check out her listing on the Saskatoon directory of excellent in the SASKATOON MORTGAGES Category..she is a Trusted Saskatoon Mortgage Broker Expert! 



Trusted Sara's Trusted Saskatoon 2018 Fitness Focus Challenge Week nine: Rowing is hard

Trusted Saskatoon owner and founder Sara Wheelwright accepted a fitness challenge from the excellent team at Trusted Saskatoon gym Fitness Focus. Follow along on her fitness journey as she blogs and video journals her motivations, successes, failures, frustration and her pain as she struggles to get fit and fabulous in her forties!  


WEEK 9 - NO TAKING IT EASY!  

Let's start by giving my trainer Denise some kudos! This woman is an inspiration and so dedicated to fitness it is mind-blowing. She competed in Vancouver and as you can see she was in staggering shape. ( I think she should have won - but what do I know) She has been a big part of my fitness journey and there have been times when I have just dragged myself to the gym because of her. 


 

I leave on vacation soon and I feel energized, healthy, lighter and I definitely look and feel better overall- the numnbers below really do speak for themselves. 

Thank you so much  Denise and the team at Fitness Focus for helping me change my lifestyle - I'm determined that I am not going back!   

SARA'S PROGRESS BEYOND THE BIKINI 

So its all great that I look better in a bikini - but true fitness is more than just being lean.

STRENGTH -FLEXIBILITY -STAMINA-  the 3 pillars of fitness. 

Strength - By doing resistance training and weight lifting I am getting stronger and I can feel my muscles and am starting to see them appear from under the layers of inactivity I'd formed over last 7 years!  

Flexibility - Stretching, stretching and exercises like yoga. If you aren't flexible you will hurt yourself- so I stretch before and after every workout. 

Stamina- Physical fitness is key to a long life and good health. Your body’s capacity to transport and use oxygen during exercise (VO2 max) is the most precise measure of overall cardiovascular fitness.  Changes in VO2 levels equate to changes in aerobic fitness and this, in turn, can affect your chances of getting a cardiovascular and pulmonary disease....so this number is IMPORTANT! 


After punching in the numbers my results were provided and they matched up exactly with what my Fitbit has been showing me. 

In the first 2 screenshots, you can see that I  have VO2 of 41 - this is an excellent score for a 44-year-old woman ( It increased from a VO2 of 35 in April) - and I have the same score as an average 29-year-old woman. Woo Hooo!! 


 
 

The next 2 screenshots clearly show the change in my resting heart rate (RHR) 

Resting Beats Per Minute (BPM).

   

What the RHR Numbers Should Say

According to the National Institute of Health, the average resting heart rate for adults is between 60-100 beats per minute. Well-trained athletes tend to fall somewhere between 40-60 beats per minute. Regardless of what your RHR is, that first baseline measurement will be an important number by which you’ll be able to spot trends over time. 

This is why it is important to regularly check your RHR.

1. If, for example, you notice that your RHR is rising, it could be an early warning sign of a heart problem. Much research has been devoted to demonstrating the link between elevated heart rate and the development of conditions such as hypertension, atherosclerosis, and other cardiovascular diseases.

2. Alternatively, you can also experience a reduction in your RHR as a result of increased fitness, meaning your heart is working more efficiently. These numbers can be especially motivating as you progress through a workout program or training regimen. When you notice your RHR slowly declining over weeks and months, it’s an indication you’re getting fitter. ( THATS ME!!) 

Methods for Lowering Resting Heart Rate

There’s a reason they call them “cardio” workouts. As previously noted, exercise is perhaps your best bet when it comes to decreasing your resting heart rate and boosting heart health. Going hand-in-hand with that is good nutrition and achieving a healthy weight. Hydration also plays a role in keeping your heart healthy. To be sure, good hydration means your heart doesn’t have to work as hard to pump blood through the body. This thereby increases the overall efficiency of your cardiovascular system.

Another factor that can increase your risk of heart issues is a poor sleep over a prolonged period of time. When you get the right amount of high-quality sleep, blood pressure and heart rate drop overnight, giving your heart a break.  What’s more, not enough sleep has also been connected to weight gain which is yet another factor that can affect resting heart rate and heart health.

Want to see where you rank for your age? 

Based on the extensive research of The K. G. Jebsen Center of Exercise in Medicine at the Norwegian University of Science and Technology, you can easily estimate your fitness level by answering a few questions. Simply click on this link to find out. www.worldfitnesslevel.org 



 



ROUNDUP

Postive of week 8-9

  • I have lost 10lb
  • I feel energized and I am looking forward to working out. 
  • Cardio is easier! 
  • I feel the urge and the energy to do things I never had time for before - cleaning out closets and draws! 
  • My resting heart rate has dropped from mid 80s range in April to high 60's in July!! 
  • I have the fitness of an average 29year old! 
  • I worked out 12 days in a row!! 
Negatives from week 8-9

  • Darn friends - I just am not good at just hanging out without a drink!  
  • Had a few cheat days for food because we had house guests. 
  • I have not hit my weightlooss goal - but that is because of mey cheats - I take full responsibility. DRAT
Goals for vacation 

1. Eat mindfully - 2 meals of each day to be healthy choices( so hard in Scotland !!) 
2. Walk walk walk everywhere 
3. Take my work out gear with me and actually use it. 
4. Try NOT to overindulge drinking - this is particularly hard in my hometown in England and on Islay- the home of the best Scotch in the world!  

 Wish me luck. 

Gravel Road Safety Tips From Trusted Saskatoon Auto Body Shop Superior Auto Body

Superior Auto Body has been in business since 1961, and SGI accredited since 1982... There are many reasons they have so many loyal longstanding clients from all over the city, but mostly it is the small, personal touches that they offer to people who have been unfortunate enough to require their services. They offer newer model courtesy cars and vans for their clients.. and to help out they will actually pick up your vehicle and take it to your SGI appointment for you and deliver the courtesy car to you at home... Superior take pride in their workmanship... as they always say, "When we get through it's just like new".


Superior Auto Body is a TRUSTED SASKATOON AUTO BODY shop…you will not regret choosing them!

Auto Body Experts at Superior Auto Body Saskatoon Give Gravel Road Safety Tips


As we all know, living in Saskatchewan you're bound to drive on a gravel road sooner or later. Make sure you're prepared properly! Here is a few tips from the experts themselves at Superior Auto Body:

Gravel roads are a part of life in Saskatchewan. They all have 1 thing in common: they can be dangerous. On average in Saskatchewan, rural municipal and roads on First Nation communities are the scenes of nearly 7,200 crashes each year. These collisions result in more than 1,000 injuries and 32 deaths annually. You can help protect yourself and your loved ones by following some basic gravel road safety tips:

Slow Down on Gravel Roads

Even the best-maintained gravel roads have rough sections and loose gravel that require lower speeds. Gravel roads without posted limits are 80 km/h zones, although it’s important to remember that this speed is for ideal conditions only. Your tires are another important reason to slow down. They have less traction on loose gravel, which can increase your risk of a collision when you accelerate or turn a corner. To get the most out of your tires, accelerate and brake gradually to avoid skidding. Also, try to avoid swerving to miss animals or objects on the road. Your vehicle may slip or even roll over. Remain calm if your vehicle begins to skid. Take your foot off the accelerator and declutch or shift into neutral. At the same time, look where you want to go and steer in that direction. Once you have regained control of the vehicle, resume driving at a lower speed.


Stay on the Tracks

When driving on gravel, it’s a good idea to drive in the tire tracks already on the road. This holds true even when there is only 1 set of tracks in the road’s centre. If you climb a hill or meet a vehicle travelling from the opposite direction, be prepared to slow down and pull over as far to the right as possible. Large trucks or farm implements may even require you to stop. Be careful when pulling over to the right because you risk slipping into the ditch if your tires go off the packed surface. If you find yourself drifting off the road, don’t slam on the brakes. Slow down gradually and then steer back onto the road.

Back Off




It takes longer to safely stop on gravel roads, and dust can greatly decrease your visibility. Even under the best conditions, it’s best to allow at least 6 seconds of following distance on gravel. If the conditions are less than ideal, you need to leave an even bigger gap between your vehicle and the 1 ahead.

Light It PP

Whether you’re enjoying an afternoon jaunt or making a twilight trip home, your headlights should always be on, especially if you’re driving on gravel. They help other drivers see you sooner than they otherwise might, ensuring you and all your precious cargo make it home safely.

Looking to read more road safety and auto body industry articles?? You can read more of Superior’s tips and autobody articles by clicking right here.








Find Superior Autobody Online at http://www.superiorautobodysk.com/  or go to their listing in AUTO BODY here, or Go visit them at Ave Q South ... they are on THE Saskatoon directory of excellence ..they are your Saskatoon Auto Body experts!



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129 21st St E #400
Saskatoon, SK   S7K 0B2
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