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 Saskatoon Auto Body Experts at Superior Give Tips on How to Avoid Wildlife Collisions in Saskatchewan

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!

In Saskatchewan, highway driving is unlike any other province. You need to be constantly watching for the animals by the highway. In their latest blog, they share some tips from SGI about avoiding wildlife collisions in Saskatchewan.


The Auto Body Experts at Superior Auto Body Give Tips on How to Avoid Wildlife Collisions in Saskatchewan




Avoiding Wildlife Collisions


Part of living in Saskatchewan means dealing with Wildlife on and around the roads. There is a serious human cost to this issue – on average 327 people are injured and 4 are killed each year by wildlife collisions. While encountering wildlife is inevitable, especially as we travel to and from lake land there are some ways drivers can reduce their risk of a collision with our wildlife.


Know the Peak Times


The time of day and year can seriously affect wildlife activity around roads. Be extra alert for wildlife in May and June when animals venture towards roads to like road salt. During mating season in late fall and early winter animals are also very active. Year round the peak times for animal collisions are dawn and dusk, so be extra careful when driving in this time frames.


Always be Alert


Scan from shoulder to shoulder while driving to check for animals approaching the road. If you see an animal on the side of the road, slow down and pass by cautiously. If you encounter an animal that has ventured on the road, slow down under control and honk your horn to attempt to scare the wildlife away. Avoiding slamming on your brakes and swerving, as this may cause you to lose control and veer into a ditch or oncoming traffic. As with most traffic safety tips, maintaining a safe speed for the weather conditions is important for avoiding wildlife collisions.



When the Collision is Unavoidable


Sometimes collisions with wildlife are unavoidable even if you take every precaution and remain alert at the wheel. In these circumstances, try to remain calm. From the experts themselves, here is a list of tips that will help in this situation:

  • Aim your vehicle at the spot where the animal came from, not where it's going
  • Try for a glancing blow rather than a head-on encounter and let up on your brake just before you collide. This causes the front of your vehicle to rise slightly and reduces the chances of the animal going through your windshield.
  • Hitting an animal can be an extremely traumatic experience. If possible, move to the shoulder and turn on your hazard lights. Take a moment to regain your composure and then assess the damage to your vehicle. 
  • Do not approach the animal, especially if it appears to be wounded. Injured animals can be extremely dangerous.
  • Call the police or your local RCMP detachment if there are human injuries or significant damage to your vehicle. If the damage is less severe, you may continue driving and follow regular SGI claims reporting procedures.



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!



Trusted Saskatoon Plumbers at Perfection Plumbing Give You a Proper Guide to Drain Cleaning

Perfection Plumbing was founded in 1996 and is locally owned and operated. They are different than any other plumbing company in the area. In 2001 they became affiliated with a national plumbing association called Plumbers Success International. Through this affiliation, they are able to bring valuable products and services to clients that they cannot obtain from any other plumbing service company in the area.

Perfection Plumbing are Trusted Saskatoon Plumbers on the Saskatoon Directory


A few words from the experts about proper drain cleaning. The team at Perfection Plumbing will always do their best, they are truly a team to be trusted! Listen to what they have to say about drain cleaning and chemicals.


A Guide to Proper Drain Cleaning from the Plumbing Experts at Perfection Plumbing




"Proper Drain Cleaning Includes Saying No to Chemicals"


When asked about how they usually clean their drains, a lot of homeowners today answer by reaching for the chemically engineered liquid cleaners they keep under the sink.  Of course, they provide an instant and easy solution to drain cleaning. However, expert plumbers have long avoided this type of cleaning product. Would you like to find out why? Listen to what the Trusted Saskatoon plumbers have to say about it below.


They Are Toxic


All chemicals are basically toxic, but commercial de-cloggers are highly toxic. This is true especially for the off-brand, inexpensive ones. Liquid drain cleaners often contain harmful substances, such as sodium hydroxide and sulfuric acid. These substances can produce fumes that affect our health when inhaled. At the very least, frequent exposure can irritate the eyes and nose. Furthermore, these fumes are not easy to extinguish. They tend to linger long after the product itself is flushed down the drain.




They Are Damaging


The chemicals in commercial drain cleaners have one purpose: to chemically melt all the blockages and debris. However, substances such as hydrochloric acid will eat away everything that stands in its path. This includes the steel pipe within the plumbing system, as well as the porcelain finish of your kitchen or bathroom fixtures. Perhaps you initially intended to save money by buying this liquid cleaner, but you may actually end up spending more money for repairs down the road.


They Are Not the Answer to Everything


So many materials can cause a blockage. Therefore, a proper diagnosis must be determined before attempting to correct the problem. A drain can be clogged due to a broken pipe or even a snag in the sewer system. In these cases, since the problem is mechanical in nature, pouring chemicals down the plumbing system won’t help anything. So, what can a homeowner do to clean the drains? A plunger is a much better option than chemical cleaners. It can correct minor blockages if you know the right plunging technique. At the very least, it won’t damage anything important in your plumbing. Plumbing is a system. It means there that numerous components support its function. Therefore, many junctions of your system must be considered before you move ahead with any action. 


Taking plumbing problems lightly may just cost you more than a pretty penny. Entrust your drain cleaning to a reputable plumbing service, such as Perfection Plumbing & Drain Cleaning, Ltd., to save yourself from all of the confusion behind the proper methods of de-clogging.



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