Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Stylists at Hairstyle Inn Salon Share Their Expertise On Hair Extensions

Hairstyle Inn Salons in Saskatoon is a family-run business with 3 generations of artistic hair design. The design team members have trained thousands of stylists, and they are regularly used by major manufacturers to showcase their colour, cut and texture design techniques. Also, impressively, the artistic design team's work has been featured in movies, theatre, hair shows, commercials, fundraisers, TV and awards. Hairstyle Inn Salons are Trusted Saskatoon Salons. In their most recent helpful Saskatoon Hair tip, they share their knowledge and expertise about hair extensions!

The Skinny on Hair Extensions

Various hair extension options are available to add length volume and enhance your hairstyle. Here are some common types of hair extensions:

Clip-in Extensions: Clip-in extensions are temporary and can be easily clipped into your natural hair. They come in various lengths and are ideal for special occasions or when you want to change your look temporarily. Clip-in extensions can be removed and reattached easily without any professional assistance.


Tape-in Extensions: Tape-in extensions involve attaching wefts of hair to your natural hair using a double-sided tape. They lie flat against the scalp, providing a more natural look and are semi-permanent. Tape-in extensions can typically be worn for several weeks before needing to be repositioned.


Sew-in or Weave Extensions: Sew-in or weave extensions involve braiding your natural hair into cornrows and sewing wefts of hair onto the braids using a needle and thread. This method provides long-lasting results and can be worn for several weeks. It's important to have a professional stylist install and remove sew-in or weave extensions.


Fusion or Pre-Bonded Extensions: Fusion or pre-bonded extensions use small individual strands of hair that are bonded to your natural hair using heat or adhesive. These extensions provide a natural look and can be worn for several months before needing to be removed and reinstalled. Fusion extensions require professional application and removal.


Micro-Link or I-Tip Extensions: Micro-link or I-tip extensions use small strands of hair attached to your natural hair using small metal or plastic rings. The rings are clamped shut to secure the extensions in place. This method is often preferred by those who want a longer-term extension option.


Halo Extensions: Halo extensions are a temporary option where a weft of hair is attached to a thin, transparent wire that sits on top of your head like a halo. The natural hair is then blended with the extension hair to create a seamless look. Halo extensions are easy to install and remove without any professional assistance.


Ponytail Extensions: Ponytail extensions are designed to add length and volume to your natural ponytail. They can be clipped, tied, or wrapped around your own hair to create a fuller and longer ponytail.


Hairstyle trends change like the weather, but Shelley, Laddie, and the rest of the Hairstyle Inn team are continuously updated! For the best Saskatoon salon experience and Trusted customer service, call Hairstyle Inn salons today or get more Hairstyle Inn Tips in our Trusted Salon Tip Library.



Trusted Saskatoon Salon Hairstyle Inn Trusted Tips On Achieving The Best Wedding Hair

Hairstyle Inn Salons in Saskatoon is a family-run business with 3 generations of artistic hair design. The design team members have trained thousands of stylists, and they are regularly used by major manufacturers to showcase their colour, cut and texture design techniques. Also, impressively, the artistic design team's work has been featured in movies, theatre, hair shows, commercials, fundraisers, TV and awards. Hairstyle Inn Salons are Trusted Saskatoon Salons. In their most recent helpful Saskatoon Hair tip, they share their knowledge and expertise about wedding hair.

Hairstyle Inn Salon Tips & Wedding Hair Bliss Tricks


HSI Salons tips and Wedding Hair Bliss tricks…On your wedding day, you want your hair to look stunning and complement your overall bridal look. Here are some tips to help you achieve beautiful bridal hair:


  1. Plan in advance: Start planning your bridal hair well in advance. Research different hairstyles, gather inspiration from bridal magazines or online sources, and consider consulting with a professional hairstylist to discuss your ideas and options.


  2. Find the right hairstylist and number of stylists to accommodate your wedding party group: Look for a hairstylist/s who specializes in bridal hair and has experience working with different hair types and styles. Schedule a trial session with your chosen stylist to experiment with various hairstyles and determine the best look for you.


  3. Consider your dress and theme: Your hairstyle should complement your wedding dress and the overall theme or style of your wedding. For example, a bohemian-inspired wedding might call for loose waves or braided hairstyles. In contrast, an elegant and formal wedding may be suited for an updo or a sleek, sophisticated style.


  4. Don't forget about accessories: Consider incorporating accessories such as veils, hairpins, tiaras, flowers, or headbands into your hairstyle. Choose accessories that complement your dress and personal style while enhancing the overall bridal look.


  5. Prioritize hair health: Leading up to your wedding day, take care of your hair to ensure it looks its best. Follow a good hair care routine, moisturize your hair regularly, and consider deep conditioning treatments or hair masks to add shine and strength. Trim your hair regularly to remove any split ends.


  6. Coordinate with your makeup artist: Coordinate your hairstyle with your makeup artist to create a cohesive bridal look. Consider how your hair and makeup will work together to enhance your features and create a harmonious appearance.


  7. Consider the weather and venue: If you're having an outdoor wedding in a windy location, choose a hairstyle that can withstand the elements and stay in place throughout the day.


  8. Schedule a hair trial: Schedule a hair trial a few weeks before your wedding day to test the chosen hairstyle. This will allow you to make any necessary adjustments or try alternative styles if needed.


  9. Communication is key: Clearly communicate your vision and preferences to your hairstylist. Bring photos of hairstyles you like and be open to their professional advice. Effective communication ensures that you and your hairstylist are on the same page and working towards achieving your desired bridal look.


  10. Stay calm and relaxed: On your wedding day, take time to relax and enjoy the experience. Trust in your hairstylist's expertise, and remember that your beauty radiates from within. Embrace the joy and excitement of your special day, knowing that you will look beautiful and confident with your bridal hair.


Your wedding day is unique to you, so choose a hairstyle that makes you feel beautiful and confident. Plan in advance, communicate your preferences, and work with professionals to create the perfect bridal hair that complements your overall wedding vision.


Hairstyle trends change like the weather, but Shelley, Laddie, and the rest of the Hairstyle Inn team are continuously updated! For the best Saskatoon salon experience and Trusted customer service, call Hairstyle Inn salons today or get more Hairstyle Inn Tips in our Trusted Salon Tip Library.


Trusted Saskatoon Salon Hairstyle Inn Compare Salon vs Retail Hair Products

Hairstyle Inn Salons in Saskatoon is a family-run business with 3 generations of artistic hair design. The design team members have trained thousands of stylists, and major manufacturers regularly use them to showcase their colour, cut and texture design techniques. Also, impressively, the artistic design team's work has been featured in movies, theatre, hair shows, commercials, fundraisers, TV and awards. Hairstyle Inn Salons are Trusted Saskatoon Salons. In their most recent helpful Saskatoon Hair tip, they share their knowledge and expertise about salon vs. retail hair products. 

Salon vs. Retail Hair Products


HSI Salons tips and product tricks…


Salon products and retail hair products serve different purposes and cater to different needs. Here's a comparison between the two:


Salon Products:


  1. Professional quality: Salon products are formulated with higher-quality ingredients and are often developed by hair care professionals. They are designed to deliver superior results and are commonly used by hairstylists in salons.


  2. Specialized formulations: Salon products often offer specialized formulations that target specific hair concerns such as dryness, damage, colour-treated hair, or frizz. They may contain higher concentrations of active ingredients that can provide more noticeable and long-lasting results.


  3. Customized recommendations: When you visit a salon, the hairstylist can assess your hair type, condition, and specific needs. They can recommend salon products that are tailored to your hair, ensuring you get personalized care and the most suitable products.


  4. Professional advice: Hairstylists are knowledgeable about different hair types, styling techniques, and product usage. They can provide guidance on how to use the products effectively and offer styling tips and tricks.


  5. Availability of salon-exclusive products: Some brands develop products exclusively for salons, which may not be available in retail stores. These products are often considered high-end and can provide unique benefits or results.


Retail Hair Products:

  1. Convenience and accessibility: Retail hair products are widely available in supermarkets, drugstores, and online retailers. They offer convenience as you can easily purchase them without visiting a salon.


  2. Affordability: Retail hair products are generally more affordable than salon products. They cater to a wider range of budgets and offer options for various price points.


  3. Diverse options: Retail brands offer a wide range of hair care products, including shampoos, conditioners, styling products, and treatments, catering to different hair types, concerns, and styling preferences.


  4. Brand variety: Retail hair care products come from a variety of brands, giving you more options to choose from based on your preferences, loyalty to certain brands, or specific ingredients you prefer.


  5. Consumer reviews: Retail hair products often have customer reviews and ratings available online, which can help you make informed decisions based on others' experiences.


It's important to note that not all salon products are superior to retail products, and vice versa. The effectiveness of a product depends on various factors, including individual hair types, condition, and personal preferences. We find most people find that salon products provide better results for their specific needs, while others may be perfectly satisfied with retail products.

Ultimately, the choice between salon products and retail hair products depends on your hair goals, budget, and preferences. It can be beneficial to consult with one of our stylists, who can recommend specific products based on your hair needs and guide you in selecting the best options for you.

Hairstyle trends change like the weather, but Shelley, Laddie, and the rest of the Hairstyle Inn team are continuously updated! For the best Saskatoon salon experience and Trusted customer service, call Hairstyle Inn salons today or get more Hairstyle Inn Tips in our Trusted Salon Tip Library.


Saskatoon Group Benefits pros at Wiegers Explain How Group Benefits Helps Employees and Their Families

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan.. They  have a Saskatoon Benefits and Personal Insurance planning, division. In this latest Wiegers Group Benefits expert tip, they explain how the group benefits plan you provide employees helps look after their loved ones too. Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits experts.

 

HOW THE GROUP BENEFITS PLAN YOU PROVIDE YOUR EMPLOYEES HELPS LOOK AFTER THEIR LOVED ONES TOO


When most people think about what it takes to help protect their loved ones’ financial security, they tend to think about life insurance – and it makes sense. Owning insurance that pays out a lump sum benefit to your beneficiaries in the event of your untimely death is the most effective way to ensure that even when you’re no longer here to contribute to them financially, they’ll be looked after. When an individual wants or needs to purchase life insurance, he or she typically contacts a financial advisor or insurance representative who then conducts a needs analysis to determine the individual’s life insurance needs, applies to one or more insurance companies for it, and then if the individual’s insurance application is approved (including potentially a medical questionnaire and tests), begins paying insurance premiums to keep it in-force.

What a lot of people don’t realize is that as important as it is to purchase sufficient life insurance to protect their loved ones’ financial security after their gone, the group benefits plan you provide your employees likely includes a number of benefits that are also important in helping. Your company’s benefits plan, for example, likely includes a life insurance benefit that amounts to a flat amount or a multiple of each employee’s gross annual income, and that is partly or entirely guaranteed regardless of the employee’s health. This can amount to a relatively significant benefit, though for most people, it is not enough on its own to adequately look after their loved ones financially. A qualified advisor will want to include a person’s group life insurance benefit in a thorough analysis of how much insurance he or she has, and how much is still needed.

But beyond the life insurance you likely provide in your company’s group benefits plan are other benefits that directly or indirectly help care for your employees’ loved ones. Most plans, for example, include short and long-term disability insurance for employees that pay out a benefit each week (in the case of short term disability) or each month (in the case of long term disability) when an employee becomes disabled and is unable to work for an income. This is as beneficial for your employees as it is for their families, given that most families cannot sustain the loss of an income for even a short period of time. When you consider that group disability insurance – unlike Workers’ Compensation Insurance – covers disabilities sustained both on and off the job, the financial security it affords your employees and their families becomes even more apparent.

Most group benefit plans include more than just insurance, though, that benefits the employees’ families. Plans that include Health, Prescription Drug and/or Dental benefits, for example, almost always include coverage (or the option for coverage) for each employee’s dependent spouse and/or children. And in cases when an employee dies when he or she still has coverage under a group benefits plan, there is usually a survivor benefit that continues to afford the employee’s dependents with coverage for one or two years following the death with no insurance premiums required.

In order to really stand out as an employer who cares, you have options to take your benefits plan beyond what’s become standard and, in the process, help improve your competitive position in the war on talent. As just one example, you can supplement your company’s benefits plan with a Health Spending Account and/or Personal Spending Account as a means to providing your employees and their families with the flexibility to choose how to spend wellness dollars. You can add an Employee and Family Assistance Plan (EAFP) to provide a number of important services, including but not limited to counselling. You can add Critical Illness Insurance coverage to your plan – either as a mandatory or voluntary benefit – that provides a lump sum financial benefit to an insured person diagnosed with a covered critical illness. There are other benefit options too that your group benefits advisor should recommend or at least advise you about so you can make the most informed and impactful decision for your own team.

Really, then, by helping to take care of your employees with a group benefits plan, you’re helping take care of their families too. At a time when employees are in the position to choose who they want to work for, and when working for an employer who actively demonstrates care and concern for his or her employees is non-negotiable, it’s important that you make clear what you do for your team. To learn more, please speak with your benefits advisor.

Amanda Getzlaf
Benefits Account Manager, Wiegers Financial and Insurance Planning Services Ltd.


Wiegers’ Benefits Consulting Division includes many consultants and support staff who custom-design the most employee-valued and cost-effective group benefit, personal insurance, employee assistance programs, and retirement plans available. Contact them today for a no-obligation consultation to determine how they can help you.

Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits Advisors 

Trusted Saskatoon Financial Advisors at Wiegers Financial & Benefits Discuss US Residency Rules for 'Snowbirds'

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan. Their Financial Planning Division provides business owners, households, retirees, and students with expert investment and insurance planning services to help them reach their long-term financial goals. They also have a Benefits and Personal Insurance planning division. 


WHY IT’S IMPORTANT THAT SNOWBIRDS UNDERSTAND U.S. RESIDENCY RULES BEFORE PLANNING THEIR TRIP


Every year, over 1 million Canadian seniors and retirees pack up and move south for the winter to enjoy the warm weather and avoid the freezing temperatures at home.

However, while warmer climates can be a welcome escape, Canadian snowbirds need to be very careful about how much time they spend in the United States, as overstaying can result in being deemed a U.S. resident for tax purposes and subject you to paying taxes in the United States even if you’re not a U.S. citizen.

The good news is that proper planning and awareness of the correct U.S. residency rules can help you avoid falling into the snowbird tax trap.

NOTE: If you have dual Canadian – U.S. citizenship, you should already be filing a U.S. tax return to report your worldwide income, no matter how much or little time you spend in the U.S., so the options below won’t apply to you.


The Wrong Way to Avoid Being Considered a U.S. Resident

Unfortunately, many Canadian snowbirds have been misinformed that if they simply spend fewer than 183 days in the U.S. in any given year, they will not be considered U.S. residents for tax purposes.

This information is not true, and has caused thousands of Canadians to unknowingly violate U.S. residency rules, often leading to serious financial and emotional stress.

Don’t think you’ll just slip through the cracks. Canadian and U.S. border officials are sharing more information than ever, making it virtually impossible to hide from the IRS.

 

The Right Way to Avoid Being Considered a U.S. Resident

Canadian snowbirds have three options to avoid being considered U.S. residents for tax purposes by the IRS. The first option is to avoid being considered a U.S. resident for tax purposes in the first place, while the second and third options offer exemptions if you could be considered a U.S. resident.

The three options below are listed from simplest to most complex. The right option for you will depend on your unique situation:

  1. The Substantial Presence Test
  2. The Closer Connection Exemption
  3. The Canada – U.S. Tax Treaty

Option 1: The Substantial Presence Test

The easiest way for Canadian snowbirds to avoid being considered U.S. residents for tax purposes is to make sure you don’t meet the IRS’s Substantial Presence Test. Under the Substantial Presence Test, the IRS considers Canadians to be U.S. residents for tax purposes if you are physically present in the U.S. for:

31 days in the current calendar year; AND
183 days during the three-year period covering the current calendar year and the two preceding calendar years on a weighted basis.

To arrive at your three-year total, you include:

  • All days spent in the U.S. in the current calendar year,
  • One-third of the days spent in the U.S. in the preceding year, and
  • One- sixth of the days spent in the U.S. in the year prior to that

While the test is odd and confusing, it actually allows you spend significantly more than 183 days in the U.S. over the three-year period by giving less weight to days in previous years.

If your total over the three-year period is 182 days or less, you will not be considered a U.S. resident for tax purposes, as you don’t meet the Substantial Presence Test.

However, if your total for the three-year period is 183 days or more, you will be considered a U.S. resident for tax purposes under the Substantial Presence Test, which would require you to seek an exemption under Option 2, and possibly Option 3, below.

TIP: For U.S. residency calculation purposes, a day is considered to be a calendar day, not a 24-hour period! For example, if you enter the U.S. at 11:00 pm one night and return to Canada at 1:00 am the next morning, it counts as spending two days in the U.S. even though you were only there for 2 hours.

Example:

Glenn spends 120 days in the U.S. in 2020 (the current year), 120 days in the U.S. in 2019 and 120 days in the U.S. in 2018, he would calculate his three year total as follows:

120 days in 2020
+ 40 days in 2019 (120 ÷ 3)
+ 20 days in 2018 (120 ÷ 6)
= 180 total days
In this example, Glenn would not be considered a U.S. resident for tax purposes, as he is under the 183- day threshold for the three-year period. He should still consider filing Form 8840 to document this with the IRS.

NOTE: If you spend a fair amount of time in the U.S. each year, you should still consider filing Form 8840 to document and certify to the IRS that you were not substantially present in the U.S. under the Substantial Presence Test. You are not required to have a U.S. tax identification number to file Form 8840.

 

Option 2: Form 8840 & The Closer Connection Exemption

Even if Option 1 above doesn’t work for you, you can still get an exemption from being considered a U.S. resident for tax purposes if you qualify for and file a Form 8840 with the IRS.

The official name of Form 8840 is the “Closer Connection Exemption Connection Statement for Aliens”.

Essentially, filing Form 8840 allows Canadian snowbirds to stay in the U.S. for up to 182 days every year without being considered a U.S. resident for tax purposes (assuming you meet the criteria and file on time).

In order to qualify to file Form 8840 and receive this exemption, you’ll need to meet ALL of the following criteria:

  1. Be present in the U.S. for less than 183 days in the current calendar year
  2. Be able to establish a home in Canada in the current calendar year
  3. Be able to establish a closer connection to Canada than the U.S. during the calendar year

Form 8840 is a short form that asks you a number of questions to support your claim that you have closer economic and personal ties to Canada than the United States.

Questions cover a broad range of topics including, but not limited to:

  • Where your permanent home is
  • Where you keep your belongings
  • Where your family lives
  • Where you’re registered to vote
  • Where your driver’s license was issued
  • Were your banking and financial accounts are located
  • Where you’re covered by a government health plan

Form 8840 must be filed with the IRS no later than June 15 in the year following the year in which you qualified as a U.S. resident for tax purposes under the Substantial Presence Test. If you fail to file on time, you may be considered a U.S resident for tax purposes and subject to other penalties.

If you meet all of the criteria to be eligible for the Closer Connection Exemption and file your Form 8840 on time with the IRS, you will avoid being treated as a U.S. resident for tax purposes.

If you don’t meet all of the criteria for the Closer Connection Exemption, and you are ineligible to file a Form 8840, you must look to Option 3 below as your third and final option for relief from being deemed a U.S. resident for tax purposes.

 

Option 3: The Canada – U.S. Tax Treaty

Canadian snowbirds that spend 183 days or more in the U.S. in the current calendar year have one last option to avoid being declared a U.S. resident for tax purposes: file a U.S. Nonresident tax return (Form 1040NR) and claim an exemption under The Canada – U.S. Tax Treaty.

In order to claim an exemption under the Canada – U.S. Tax Treaty, Canadians must file a non-resident U.S. tax return Form 1040NR and attach a properly completed Form 8833, called the “Treaty Based Return Position Disclosure”. You will need a U.S. Individual Tax Identification Number (referred to as an “ITIN”) to file these forms with the IRS.

This option is by far the most onerous and complex to complete and will likely require you to incur the time and expense of hiring a U.S. tax professional to assist and advise you.

Form 1040NR and Form 8833 must be filed with the IRS no later than June 15 in the year following the year in which you qualified as a U.S. resident for tax purposes. If you fail to file on time, you may be considered a U.S resident for tax purposes and subject to other penalties.

 

The Bottom Line

Whenever possible, Canadian snowbirds should avoid being considered U.S. residents for tax purposes.

As mentioned previously, your best options are to ensure you do not meet the Substantial Presence Test or to qualify for the Form 8840 Closer Connection Exemption. Avoid having to rely on the Canada – U.S. Tax Treaty whenever possible.

While filing a Form 8840 Exemption may be a little more work than simply not meeting the Substantial Presence Test, the filing process isn’t particularly difficult or time consuming, and allows you to spend more time in the United States. It’s a common practice, and thousands of Canadian snowbirds file a Form 8840 every year.

Avoiding U.S. tax issues should never be a problem for snowbirds as long as you plan ahead and take the time to understand and follow the IRS rules. Talk to an advisor for more information. 

The opinions expressed are those of the author and may not necessarily reflect those of Manulife Securities Investment Services Inc.

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