Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Salon Passions Beauty Studio introduce Prime Hair Brand

Passions Beauty Studio & The Barber Corner is a national and local award-winning Trusted Saskatoon Salon & Spa opened by Chelsey Kara in 2009. Passions Beauty Studio & Barber Shop offers Saskatoon, Warman, and area clients a truly unique salon & spa experience because they are a team of professionals that work together to offer their clients the best services! They are the Passions family and they travel across the world annually to take training to stay current with the top trends and techniques! Passions Beauty Studio & The Barber Corner are a Trusted Saskatoon Salon. In our latest tip, we share the Prime Hair Brand Story!


Passion Beauty Studio & the Barber Corner - “PRIME” STORY

Co-founders Karey, Chelsey and Karissa opened their family business of luxury hair care products called PRIME HAIR BRAND in 2018.

Chelsey is a Hair Stylist and salon and spa owner (Passions Beauty Studio), employing 15 team members. Karissa is a Stylist at the salon and has worked as an educator for multiple International hair companies training stylists on the latest fashions, techniques and products. The two sisters combined their experience and knowledge, together they recognized an area in the industry that they felt needed to be fulfilled. Karey, a former Scotiabank Manager, retired after 31 years and joined her two daughters in their venture of creating a premium hair care brand. They worked alongside their colleagues in the salon (Passions Beauty Studio), testing and creating a line of "PRIME" luxury products that perform and make life easier for the stylist and their clients.

Prime Hair Brand is much more than just hair product. "Prime" is defined as:

1) top quality 2) best choice 3) greatness 4) a time of success in a person's life

These definitions define the mission and purpose of the new business. PRIME HAIR BRAND creates top quality, premium hair care products which are sold by educated professional stylists in boutique salons. PRIME provides education, salon business tools and first-hand experiences to help the stylists and salons succeed in all aspects of their career and lead them to greatness.

The family trio intends to introduce their brand into salons across Canada and around the world by providing support to industry professionals which in turn will be passed on to their clients, creating success for all.





 Passions Beauty Studio & The Barber Corner has a modern feel and look inside but clients are truly treated like family.

They offer a variety of services for your hair and beauty care needs:

Passions Beauty Studio & The Barber Corner are a Trusted Saskatoon Salon

Trusted Saskatoon Plumber JOB Heating & Air Conditioning share advice about clogged drains

JOB Heating & Air Conditioning’s wonderful staff will be more than happy to provide you with an estimate for any home comfort improvement that you have in mind. They also offer training classes at your personal site for maintenance and they also offer home heating tune-ups. JOB are Trusted Saskatoon Furnace experts and they can also help you with all your Saskatoon plumbing needs! In their latest Saskatoon furnace tip, owner Jeff Bolton,  shares why you can trust JOB with your Saskatoon heating and furnace issues.


Saskatoon Plumbing Tips for Drain Clog Prevention

Having to call your Saskatoon plumber every time a drain in your home gets clogged can become time-consuming, frustrating, not to mention very expensive. Your drains may work right now, but clogs can happen at any time. Though plumbing codes, normal plumbing maintenance, and good drain pipe materials can keep the rate of clog formation to a minimum, most people do not have the advantage or the ability to decide what plumbing materials are to be used. No one thinks about plumbing maintenance until there is a clogged drain. Clogged drains can create severe water damage to a home’s structure (such as the wiring) and can be a potential health risk. Problems caused by a clogged drain can be avoided by taking necessary steps of drain maintenance to prevent clogs from occurring. Remember, prevention is not only easy to do but can save you a lot of money in the long run!

 Tip 1: When cleaning up after dinner, run hot water through the drain to prevent grease buildup and hard water deposits. Once every few days, to really prevent buildup in your pipes, first put in a half cup of baking soda, followed by a half cup of vinegar, and then wash it through with boiling hot water.


Tip 2: Check your bathtub stoppers every three months for hair and buildup of biofilm (a mixture of bacteria, food particles, soap residue, and body oils that hardens as layers begin to build up and lead to a clogged drain) and see if the stopper needs to be replaced due to wear and tear. Once a week, fill the bathtub halfway to three-fourths full (while the stopper is in the drain) and then pull out the stopper. The weight and volume of the water will fill the pipe and will flush the drain line.          

  
Tip 3: Have your home plumbing system regularly inspected for maintenance from the team at JOB Heating and Air. As a preventative measure, at least once a year, hire a plumber to snake your home’s drain lines for any buildups that can lead to a clog. For major connections, such as your septic tank or your main pipe to the sewer system, have periodic inspections. Small roots that penetrate a drain pipe can be cleaned up before it turns into a big problem. If regular inspections are not performed by a plumber, the roots can become entrenched in the drain pipe and will have to be replaced altogether. 

Tip 4:  Special clog prevention for kitchen sinks include: remove all kitchen waste from the sink; do not pour coffee grinds down the sink; do not pour grease down the sink; and catch all food from falling down the sink.

Tip 5: Most plumbers will tell you to avoid using chemical-based cleaners as clog prevention on a regular basis as they can corrode metal pipes after awhile. A natural cleaner is an enzyme/bacteria based cleaner. Once poured down a drain, it creates colonies of good bacteria that destroy bad bacteria that cause clogs in your drains. Use natural-based cleaners at night, just before everyone goes to sleep – large amounts of water used after the cleaner can get rid of the good bacteria before it has had time to work.

At JOB Heating and Air. 

Your Comfort Is Their Concern


                  

Trusted Saskatoon Mortgage Broker: Tammy Wandzura – Your downpayment and what you NEED to know

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! 


Saskatoon Mortgage Broker: Tammy Wandzura – Your downpayment and what you NEED to know


Downpayment for a new home: Seems like a pretty easy thing to understand. NO?

If you wish to purchase a home you need a downpayment. YES.

In most cases the minimum downpayment is 5% of the purchase price.

Proof of DOWNPAYMENT is one of the trickiest things for most people (first time home buyers OR repeat buyers) to understand.

Years ago a home purchase consisted of a verbal agreement and a handshake. Gone are the good ol’ days.  
  Today: due to money laundering and fraud minimum banking standards and policy requires every consumer (regardless of their income level, credit score or net worth) to provide the lender confirmation of funds being used for a downpayment in a very specific format.

Your lender will be verifying your down payment prior to full approval.  It’s required by all lenders to protect against fraud.

The lenders also are required to prove that you are not borrowing your down payment. Borrowing your downpayment can change your lending ratios and your ability to repay your mortgage.

There are no gray areas with proof of downpayment rules. There are no exceptions to the rules relating to proof of downpayment.

Every single consumer that wants to borrow money for a home (from any lender) needs to be able to viably prove downpayment.
EVEN IF: you are purchasing a $500,000 home and putting down $475,000 and only need a $25,000 mortgage – the rules still apply to you.

HOW CAN I MAKE THINGS EASIER FOR YOU?


 Follow our guidance and advice.  We are here as your Mortgage Expert to help you through what some of my clients have called a “minefield” of mortgage rules. By following our advice the entire pre-approval to possession date process is quite simple, efficient and speedy.

Get PRE-approved.


This simple step will allow us to gather and review your important and unique details UP FRONT-BEFORE you go house hunting and have very limited time restrictions to meet for your final approval.
   

Let us ask the hard questions up front.

If you are applying for a mortgage be prepared for full disclosure relating to all of your finances. Lenders will not even consider reviewing an application if something is left out or not clearly outlined.
We ask ALL of the hard questions up front so we can package the information in a way we know the lenders will accept it or consider it.
 If your downpayment source is questionable (cash from tips, cash from the sale of a vehicle, a gift from a family member, ETC)- run it past us so that we can provide tips on what the bank will need to see when you proceed with an offer on a home.  We are not the bank. We are here to provide you with the information you need to make educated decisions on what the bank WILL need to see so you can properly prepare yourself.
WHY do we ask the hard questions up front? To avoid delays for you when you need the final mortgage approval. To avoid disappointment and lost opportunities on homes you may want to purchase because the appropriate information and paperwork are not organized for the lender to review.

Send us your paperwork immediately.


We prefer to review ALL of your paperwork up front BEFORE you start house hunting with your Realtor.
We will provide you a detailed list of every document we need to review. Send this to us immediately.
This allows us time to review and ensure that the paperwork we have on file is exactly in line with what the lender will need when we request your final approval.
If we are missing something we will ask for MORE.
The more we ask for- simply means we are better preparing your file to get a speedy approval at the very best rates with the very best lenders.
The less information we have upfront will mean more information you have to provide to us last minute. This always creates un-needed stress for you throughout the home-buying experience.

Remember we are working for YOU. 


Not only are we Provincially legislated to work in the “consumers best interest” by the “FCAA” (Financial and Consumer Affairs Authority) BUT we just generally want to make the entire home buying experience seamless, stress-free and easy for you from PRE-APPROVAL to POSSESSION date.
We are not asking for paperwork that we will not need and we are not asking for anything to make things more difficult.
The more prepared YOU ARE – the faster the final approval process will happen for you.

Not every Mortgage is created equal.


Although you may be receiving advice and guidance from many sources (Online, Mom, Dad, Grandparents, friends, neighbours and colleagues) please know that every single person’s finances, employment situation, debt load, other financial obligations, credit score etc are vastly different and unique.
The differences in each mortgage request will mean different requirements for different people.
Mortgage rules have changed immensely and aggressively in the past 10 years and the approval process may be different for you than it was for your friend.

Saving for a down payment is often one of the biggest challenges.


The source of your down payment could come from your own savings, a gift from a family member, your RRSP if you’re a first time home buyer or from the proceeds of selling your current home.

EXAMPLES of DOCUMENTS YOU WILL NEED TO SHOW WHEN VERIFYING YOUR DOWN PAYMENT

1. Savings/Investments: If you’ve saved enough money for your down payment your lender will want to see a CURRENT 3-month history (90-day transaction history) of any account you plan on using for your down-payment. (Savings/TFSA/RRSP/etc)


Your statement will need to clearly show your name and your account number.  Any large deposits will need to be verified. Example: You sold a dirt bike and deposited $6000 into your savings account.  A few days later you transferred it to your TFSA. In these examples, you will have to provide a 90 days statement from your savings account and your TFSA.   Any transfers between accounts from one account to another will need to show a record of the money leaving one account and arriving in the other.  The lenders want to see a paper trail of where the money came from and how it got in your account.

A screenshot of a quarterly statement from last Summer just won’t do it.

2. Gifted Down Payment:  Mom and Dad (or ANY IMMEDIATE family member) can assist you with your downpayment. You will need a signed gift letter from your family member that states the down-payment is indeed a gift and no repayment is required on the funds.

The lender will also require that we show the funds have been deposited into your account no later than 15 days prior to closing.

3. Using your RRSP:  If you’re a First Time Home Buyer, you may qualify to use your Registered Retirement Savings Plan (RRSP) for your down payment.

Verifying your down payment from your RRSP is just like verifying from your savings/investment accounts.  You will need to show a 3-month history via your account statements with your name and account number on them.  Funds must have been in your account for 90 days.

4. Proceeds From Selling Your Existing Home:  If your down payment is coming from the proceeds of selling your current home you will need to show your lender a fully executed purchase and sale agreement between you and the buyer of your home.  If you have an outstanding mortgage on the property, you will also have to provide an up-to-date mortgage statement.

5. Money From Outside Of Canada:  Using funds from outside of Canada is acceptable.  The country of origin will determine the type of documents required by the lender. In some cases – some lenders require the funds are in Canada for a minimum of 30-90 days.  In these situations, it is good to review your options and timeline restrictions before starting the house hunting process.

Verifying your down payment will always require you to show documentation of where the money originated from. All large deposits need explanations and/or paper trails.

Want to make things easy?  Preparing to become a homeowner?

Use ONE bank account to save your downpayment. Avoid multiple transfers among multiple accounts. (Remember we need a 90-day transaction statement for each account that your money has moved in and out of). If you have been gifted funds from Mom, Dad, Brother, Sister etc, advise them they may need to sign a Gift letter.  If you have sold ANYTHING gets a bill of sale and deposit that amount of money directly into your bank account so that the bill of sale and the deposit match up exactly.  Been saving your TIPS? Or Birthday Money for years? GET THAT money deposited asap. It has to be in your account for 90 days before it can be used without a paper trail to authenticate the funds as per the rules above.

We can review your information now to prepare you for the future.

Thank you for taking the time to read and educate yourself on what steps you may need to take to consider homeownership.

I am here to work with you every step of the way!

Apply ONLINE or call me at 306.933.3386



Burnt Orange Solutions Trusted Saskatoon IT Expert Shares Basics Of Protecting Your Business

The Trusted team at Burnt Orange Solutions are located in the Computers & Web Design Category.

Honesty and respect are important factors in daily communication at Burnt Orange. Gareth and the team at Burnt Orange Solutions are YOUR Saskatoon IT stress solution. Burnt Orange Solutions are your Trusted Saskatoon IT Experts


BURNT ORANGE SOLUTIONS SASKATOON BASICS OF PROTECTING YOUR BUSINESS INFORMATION

Our Saskatoon IT Tips are from the Trusted professionals at Burnt Orange Solutions.  We promise to have a one-hour response time for all your Saskatoon IT support needs. Honesty and respect are important to us. In our latest  IT Expert tip Article, Gareth McKee, owner of Burnt Orange Solutions shares tips on protecting your business information.

 

The Basics of Protecting Your Business Information

  1. Network Gateway Firewall

The first point of defense to protect your network from hackers and bots trying to gain access to your network. Ensure you speak with a professional IT company to ensure it is configured correctly.

  1. Web protection

It is the easiest thing to click on a link not realizing it takes you to a very good fake website, this triggers the automatic download of a virus or ransomware. Web protection stops this happening by blocking known dangerous websites as well as legitimate websites which become infected.

  1. Antimalware at server/workstation/tablets/cell phones

Everyone knows you should have anti-malware/virus on your PCs and Servers, but not everyone understands that you should have this software on all your devices. And don’t for 1 second think that Apple products are safe, they also need antimalware, as do your tablets and cell phones.

One more point on this, do not use free antimalware tools, they are free for a reason i.e. they are about as much use as a chocolate fire guard.

  1. Anti-malware/spam at the email server

Specific email server antimalware and antispam software much be installed and configured correctly. This helps protect your staff from emails with dangerous links, virus payloads and generally makes them more efficient as their inbox will not be bombarded with 1,000s of annoying emails.

  1. Secure WIFI

Protecting Your Business Information wifi secureWIFI must be secured using the latest encryption WPA2 and protected with a strong password or RADIUS security tools.

Other tools which may be used to improve the security of WIFI networks include hiding the network, this way only computers which have been previously logged on to the network with be able to connect. You can also configure the WIFI network to only allow specific computers to connect.

One tactic which many businesses don’t do, but is a must, separate the WIFI networks, one for staff and one for guests. Only allow guests access to the internet and not on the business network, your laptops may be fully secured, but you don’t know the security standard of guests, they may very easily bring a virus in to your network.

  1. Encryption

Consider full encryption of all your computers, in particular laptops. By design laptops are for travel, unfortunately, this allows the theft of them to be much easier than a server in a locked down building.

Encryption would ‘scramble’ all the data on the hard drive and the only way to decrypt the data is by having a user login and password. Even if the hard drive is removed from the laptop the data cannot be accessed.

  1. Local and cloud image-based backups

A good backup solution is like insurance, you never need it until you NEED IT.

Don’t mess around with USB sticks which sit in a drawer. All businesses can afford and should use a business class backup service which provides:

  • Image based backups – allows for quick recovery of whole systems
  • Local backup – allows for quick recovery of files
  • Cloud backup – allows for recovery of data even in the event of a total loss at the business location
  • Encryption – stops hackers and thieves getting at your data.

 

  1. User training

Staff members must be trained to use the software correctly, also to recognize dangerous phishing emails or other attempts at gaining access to your network.

  1. Acceptable Use Policy

securing a lost laptopBe sure to have an Acceptable Us Policy for your computers and networks. This plainly shows the staff members what they can and cannot do on the computers:

  • Are they allowed to use social media?
  • Are they allowed to install software?
  • Are they allowed to shop online?

 

  1. Patch management

Patch management is a must for all devices on a network. New security holes are discovered every day on PCs, servers, switches, routers, firewall, WIFI access points, printers, scanners etc. all these devices can provide access to your network, ensure all patches and upgrades to all software and hardware are installed when they become available.

  1. Proactive maintenance

We all know the value of maintaining our cars, yet very few people maintain their computers. From blowing out the insides of a computer to get rid of all the dust to hard drive checks which will save you hours if not days in the event of a hard drive failure.

The best solution here is to outsource the proactive testing and reporting to an IT support company, they will have the tools, the trained staff and the reporting to do this properly.

  1. Firewall at server/workstation

Each device needs a firewall to improve its safe on the network. Often when a virus finds its way in to a network it will try to replicate itself across all the devices, a firewall on the PCs and servers helps prevent this.

  1. File and folder security permissions

To prevent leakage of information from your business it is paramount that security rules are in place to prevent a staff member from gaining access to information they should not have. Whether malicious or not, this can cause at best an HR headache at worst business secrets could find their way to your competitors.

  1. Users should not have administration rights

Staff members should not have administration rights to their local computer, it helps prevent the installation of unknown software and the spreading of viruses.

  1. Passwords

We now speak about passPHRASES rather than passwords as you can have spaces in the string of characters. A good passphrase should have at least 14 characters and be changed at a minimum quarterly.

  1. Do not allow the use of Dropbox etc.

Unless authorized by the management of a company, Dropbox and the like should not be allowed. A helpful staff member today who uses Dropbox to work at home may leave the company next week and have a lot of business information on their home computer.

Also, Dropbox can aid the spread of viruses and ransomware.

On a side note, do not use Dropbox as a backup solution, if a file on your PC becomes corrupt, the copy in Dropbox will also become corrupt. It is not designed as a backup solution.




Contact Burnt Orange today for more information or to take advantage of your FREE initial consultation. View them on Facebook here. They are your Burnt Orange Solutions are Trusted Saskatoon IT Experts!

Burnt Orange Trusted Saskatoon IT Experts Talk About Windows End Of Life… Are You Ready?

The Trusted team at Burnt Orange Solutions are located in the Saskatoon computers Category.

Honesty and respect are important factors in daily communication at Burnt Orange. Gareth and the team at Burnt Orange Solutions are YOUR Saskatoon IT stress solution. Burnt Orange Solutions are your Trusted Saskatoon IT Experts


WINDOWS END OF LIFE…ARE YOU READY?

Our Saskatoon IT Tips are from the Trusted professionals at Burnt Orange Solutions.  We promise to have a one-hour response time for all your Saskatoon IT support needs. Honesty and respect are important to us. In our latest  IT Expert tip Article, we discuss the imminent Windows end of life and what happens if you aren’t prepared.

Windows End Of Life.

Let’s start off with the news that the much-loved Windows 7 operating system has now less than 1 year of life left in it.

On January 13th, 2020 Microsoft will cease to provide any further updates or security patches for Windows 7.

After this date, Windows 7 will become an ever-increasing security hole in your home or business network. As hackers and criminals find and make use of security gaps in the coding of Windows seven anyone who is still using it will be at greater risk of infection risking data being stolen or made inaccessible.

Saskatoon businesses need to plan for the change now. Depending on where you look for the figures, polls show that anywhere between 30% and 50% of businesses still use Windows 7.

Depending upon the number of PCs, the complexity of the network and the number of different programs used it could take months to plan and roll out new Windows 10 PCs to a business network.

Burnt Orange advice, contact your IT support company now to ensure you are fully secure and using Windows 10 before Christmas 2019.

Windows Server 2008 End Of Life Date Approaching

The much-used Windows 2008 Server operating system has now less than 1 year of life left in it.  Windows 2008 Server will become an ever-increasing security hole in your business network. As hackers and criminals find and make use of security gaps in the coding of Windows 2008 Server anyone who is still using it will be at greater risk of infection risking data being stolen or made inaccessible.

Depending upon the number of servers, the complexity of the network and the number of different programs used it could take months to plan and roll out new Windows 2019 Servers to a business network.

Burnt Orange advice, contact your IT support company now to ensure you are fully secure and using Windows Server 2019 before Christmas 2019.

Windows 7 and Server 2008 End Of Life – What You NEED To Do

This doesn’t mean that your Windows 7 PC or 2008 Server will suddenly stop working, what it does mean is that no more patches or upgrades will be released by Microsoft.  It means that every day after January 13th the Windows 7 computers and 2008 Servers will become less secure and more likely to be infect by a virus or become victim to ransomware or other hacking type code.

Recovering from a virus attack or ransomware infection is a very expensive operation, so what should your business be doing?

  1. Contact our team at Burnt Orange Solutions to discuss planning an upgrade to Windows 10 and Server 2019. Depending upon the age of your PC hardware it may not be necessary to buy new computers, but it will mean server hardware. Early investigation is a must as it can take months to plan and roll out an upgrade depending upon your individual needs.
  2. Contact all your software vendors, do the programs you use on a daily basis function in Windows 10 and Server 2019? If not, you are going to either need to upgrade or move to a new software package.
  3. This is going to cost your business money, there is no way to avoid it. New computers, new softwares, IT consultants and engineers, possible down time due to the upgrade process, possible business interruption.
  4. Plan on changes to your network if you need to keep any Windows 7 PCs or 2008 Servers in your office due to legacy software packages (fun fact – 7% of the worlds computers still run Windows XP), these PC must be kept separate from the rest of the network for security reasons.

Burnt Orange Solutions can help your business navigate this necessary evil, whether you have 1 PC or 500. The main take away here is to start the process sooner rather than later!!

As 2020 approaches expect many IT companies to be very busy and not have time to fit you in for an upgrade.

Don’t be offended if in December 2019 you call a computer support company to discuss the upgrade and all you hear is laughter from the other end of the phone.




Contact Burnt Orange today for more information or to take advantage of your FREE initial consultation. View them on Facebook here. They are your Burnt Orange Solutions are Trusted Saskatoon IT Experts!


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129 21st St E #400
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

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