Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Realtor Marla Janzen Explains The First Time Home Buyer Incentive

Marla Janzen is an award-winning SASKATOON REAL Estate expert she takes action to sell her client's homes and find them the perfect new place to live while negotiating the best terms and price possible. She loves what she does and takes great pride in providing excellence in customer service to all of her clients. 

Marla Janzen is a  TRUSTED SASKATOON REAL ESTATE EXPERT listed on the SASKATOON DIRECTORY and she loves to provide Trusted Saskatoon real estate Tips that help the public!


The First Time Home Buyer Incentive




As an award winning Century 21 Fusion Saskatoon Real Estate Agent, Marla knows Saskatoon, Warman and the area extremely well. She takes action in order to sell her client's homes. She strives to find them the perfect new place to live while negotiating the best terms and price possible. She truly loves what she does and she takes great pride in providing excellence in customer service to all her clients. She feels blessed to live in Saskatchewan and she is a TRUSTED SASKATOON REAL ESTATE Agent.

By now you have likely heard about the buzz regarding The First Time Home Buyer Incentive (FTHBI), which will come into effect on September 2nd, for homes that close no earlier than November 1st. The Government of Canada is offering interest-free loans in the form of a shared equity mortgage to help home buyers obtain a smaller mortgage and keep their monthly payments lower. The program will offer 5% for a first-time buyer's purchase of a resale home and 5% of 10% for a first-time buyer's purchase of a newly constructed home. 



The incentive can be repaid at any time without penalty, but it must be repaid after 25 years or if the property is sold, whichever comes first. Repayment is based on the property's fair market value. When the loan is repaid, the government will also get a share of any gains from appreciation of the property. Vice versa, if the property value goes down, the government will shoulder some of the loss. 

In order to participate in the FTHBI, buyers must meet two main requirements: 


# 1 - Be a first-time home buyer
# 2 - Have an annual income of less than $120,000


Buyers will still need to save their down payment of at least 5 percent and the maximum home price is limited to 4 times the buyers qualifying income. Let's look at an example:

Anita wants to buy a new home for $400,000:

Under the First-Time Home Buyer Incentive, Anita can apply to receive the $40,000 in a shared equity mortgage (10% of the cost of a new home) through the program. This is on top of the minimum required down payment of $20,000 (5% of the purchase price) from her savings. This lowers the amount she needs to borrow, and reduces her monthly expenses. As a result, Anita's mortgage is $228 less a month or $2,736 a year. 

Years later, Anita has sold her first hoe for $420,000. At this time, she would have to repay the original incentive she received as a percentage of her home's current value. This would result in Anita repaying 10%, or $42,000 at the time of selling her house. -- www.placetocallhome.ca/fthbi

The program will certainly help some first-time home buyers. But it's important to remember although this is an interest-free loan, it is still a loan that will need to be paid back.





Contact Marla Janzen, she is one of the 3 Trusted Saskatoon Realtors! Marla is looking forward to helping you sell or buy your home! She loves what she does, and she takes great pride in providing excellence in customer service to all of her clients. She strives to find them the perfect new place to live while negotiating the best terms and price possible.


To read more testimonials about Marla Janzen, view her listing HERE

Find Marla Janzen Online at www.marlajanzen.com   she is a Century 21 Fusion Realtor and Marla Janzen is TRUSTED SASKATOON REAL ESTATE EXPERT!


Meet Nelson owner of Choice Payment Solutions your Trusted Saskatoon Payment Solution Provider

Choice Payment Solutions are your Trusted Saskatoon payment solution provider. In his latest Choice business tip, Nelson Crowder, the owner, explains what Choice Payment Solutions is, what they do to help small local businesses in Saskatoon and are and how it came to be. 


History of Nelson and Choice Payment Solutions


Established in April of 2016, Choice Payment Solutions are owned and operated by local entrepreneur Nelson Crowder. While the company is only a few years old, the history of Nelson's involvement in point of sale payments began in 2005 when a friend was visiting Saskatoon from Halifax. They worked for UNPS, which is now called First Data. Over the course of a meal and a couple of beers, they discussed electronic payments and POS systems. Things went well and shortly after Nelson accepted a Regional Account Manager position with the company. Nelson was unfamiliar with sales but had strong customer service skills from his previous role as an IT Technician. This experience proved to be helpful when managing and building customer relationships.


 

There were many changes in the POS (Point of Sale) industry between February 2005 and starting his own company in 2016. The cost of accepting payments drastically changed over this time along with major advances in the technology. Terminals were ( and still are ) constantly changing and upgrading, as was the speed of payments. It's an exciting time to be in business! 


Nelson and Choice Payments Solutions primarily conducts business in the Saskatchewan however, they do have clients across Canada. They go to market through various local partners including the Greater Saskatoon Chamber Of Commerce and they have technology partners that provide cutting edge solutions to clients.


Commitment to Community


Nelson is committed to the community and can be seen supporting many non- profits and business events. Most recently Choice Payment Solutions provided sponsorship of the Care For Kids by Wiegers Alice In Funderland  Comedy Cabaret  a 2019 event that raised over $500,000.00 in 1 evening for the Jim Pattison Children's Hospital 


“Launching YOUR business is OUR business.” 


Out of the office, Nelson enjoys spending time with his two children Emma & Jackson. They enjoy fishing, snowmobiling and travelling for adventures with family and friends. 


Now you know a little bit about the history of Choice Payment Solutions!








To further discuss solutions that Nelson and his team have to offer please contact them at  www.ignitechoicepayments.comThey are ready when you are... they are not going anywhere. If you are interested in learning more about Choice and what they do, contact Nelson, conversations are free. You have many options when it comes to card acceptance. They want to be your LOCAL CHOICE! 


If you already accept credit cards, take advantage of a complimentary statement analysis to find out how Choice Payment Solutions compare to your current provider.

Choice Payment Solutions are your Trusted Saskatoon Payment Solution Providers! 

Find more information and reviews on their listings here :




J & S Picture Frame Warehouse Share 6 Reasons Why You Should Consider Framing

The J & S Picture Frame Warehouse team believe that your pictures deserve the best! Locally owned and operated, they constantly strive to bring their customers the best materials, advice and workmanship for all of your framing needs.They simply offer the best selection of materials to preserve your treasures, keepsakes and works of art in Saskatoon.  J & S Picture Frame Warehouse are your Trusted Saskatoon Picture Framers. Read their 6 top tips about custom picture framing in their latest tip!


6 Reasons Why You Should Consider Custom Framing


# 1 - Aesthetic Component:

The aesthetic component of a custom frame can enhance your artwork, photo or keepsake -- giving your piece that special finished look.  As well as adding some PIZZAZZ to your home décor and showing your own taste and style. J & S Picture Frame Warehouse is a qualified picture framing designer and they will help you with your choices. 



"We chose warm mats and a golf frame and fillet for this Venice painting. It really suited it."






# 2 - Preservation:

The practical or preservation part of custom framing helps to ensure the piece is protected from fading and the breaking down of the art to become damaged.  Preservation of custom framing helps to prevent the damage among art before it's too late. When your art has been damaged, it is almost impossible to restore it without the help of a professional restoration expert. For any piece that is valuable, collectable, or just has great sentimental value to you -- it's important to use the right materials to preserve it in order for proper protection.


# 3 - Custom Framing:

Custom framing can be applied to almost anything. From one painting to a photo, to needlework, or any 3-dimensional keepsakes. Don't be put off by the term Custom Framing.

People often associate it with expensive, which isn't always the case. At J & S, they use options to prevent expensive pricing for their customers. They can use a stock frame and then customize the matting and glazing to protect your artwork, or they can use a moulding that is not so costly. Show the framing experts and they will do their best to work within your budget.



"This picture was to be placed in a man cave. We matched a rusty looking frame up with the rust on the traction. The results were outstanding." 




# 4 - Customizing Mirrors:

Framed mirrors can add so much to your living space.

Mirrors can make your room look larger and lighter with the right placement. A framed mirror will also add character and style to your space. 


# 5 - Old Photo Restoration:

Old family photographs, old wedding photographs, and birth certificates can be restored to look like new.

At J & S, they do this by scanning the damaged piece and using the computer to restore it to its original state. The piece is then printed on acid-free paper, using UV inks so they will last for generations to come. The file can be kept by you to share it with the rest of your family. You can now frame that piece of family history and enjoy it every day. It is protected, no matter the age. It's fun for younger generations to learn about their family history and to be proud of their heritage.





# 6 - Beware of DIY Framing:

Beware of DIY Framing. It may be fun to do your own framing by using old frames and frames from the big box stores. You can actually ruin an art piece or collector piece because of the quality of the materials used.


"If something is worth framing, it's worth framing well."


Quality is paramount at J & S - all work is completed with superb craftsmanship, expert advice and friendly service. Nationally acclaimed local artists trust J & S with their original artworks...why trust your memories to anyone else?

As always, you can find out more about the knowledgeable team at  J & S Picture Frame Warehouse your TRUSTED SASKATOON FRAMING EXPERTS by checking out their listing on Trusted Saskatoon or visiting them in store!


Trusted Saskatoon Physiotherapists at Boehm's Physiotherapy Discuss The MEAT vs. RICE Approach

At Boehm’s Physiotherapy, the primary focus is on the patient. The physiotherapists at Boehm’s will listen to your story in order to fully understand how your injury is affecting so they can begin to build goals to restore the level of activity you desire. They are Trusted Saskatoon Physiotherapists and Exercise Specialists and are listed under the Trusted Saskatoon Health & Wellness category. Boehm’s Physiotherapy will set you on the right path to a healthy recovery.


The M.E.A.T vs. R.I.C.E Approach – A Recovery Recipe or a High Protein Diet?


R.I.C.E

When you initially have an injury, RICE is the approach to guide you through the first few days:




Rest, Ice, Compression, Elevation

When you initially hav SO - if you just RICE (rest, ice, compression, elevation), are you ready to return to your activities? The answer is no. RICE by itself is not a meal, or a prescription for return to health from an injury. You need MEAT. This is where physiotherapy comes in to assist your recovery.


M.E.A.T


Movement, Exercise, Analgesia, Treatment



M - Movement. Physiotherapists guide you with how to first move. After an injury to compliment healing and prepare the injury for further loading. This may be in nearby areas to keep the whole body healthy and ready for the next phase of your recovery. Early movement can make a more complete and pain free recovery. 

E - Exercise is medicine, and the proper exercise can create healthy stress in the injury to allow the body to rebuild. During assessment and treatment sessions, we prescribe exercise at a starting point appropriate to your injury at the time it is needed.

A - Analgesia is what to do to control pain and assist early movement in being pain free. During treatment, we tape, support, instruct with use of pillows ways to control and eliminate pain.

T - Treatment is the golden nugget - our knowledge of injury and the body lets us use techniques to assist the actual injured tissue from pain back to strong, elastic, functioning tendons, ligaments and muscles. The right things at the right time -- ask to see one of the physiotherapists at Boehm's Physiotherapy today and get the treatment that can guide you back to health and performance! 






At Boehm’s Physiotherapy, they pride themselves on serving each patient with dignity, respect, and compassion. Check out Boehm’s Physiotherapy on Facebook!

 

Looking for a physiotherapist in Saskatoon and area? Boehm’s Physiotherapy is just a short 8km drive out in Martensville. We definitely recommend checking out this team! See all they do and read their listing here -  Trusted Saskatoon Physiotherapists and Exercise Specialists



Trusted Saskatoon Air Conditioning Experts at Razor Share Why Your Air Conditioner Is Not Cooling

At Razor Heating & Air Conditioning, the primary focus is to provide Saskatoon and surrounding area customers with quality work, prompt service and innovative real-world solutions to everyday mechanical and home comfort issues. Whether it be an upgrade or repair to your current home or mechanical needs of a new home Razor Heating and Air are the people to turn to for all your Air Conditioning, Heating and Indoor Air Quality needs. Their real-world, on-the-job trained employees have the industry experience and know-how to look past the rough edges of renovation or construction. The professionals at Razor strive to bring you quality products and services with a budget-minded solution. Razor Heating & Air Conditioning is a TRUSTED SASKATOON AIR CONDITIONING & FURNACE EXPERT!


Why Your Air Conditioner Is Not Cooling.


An A/C that’s not cooling your home is a big problem. After all, that’s its one job.

When you’re A/C doesn’t perform as it should, it’s frustrating, time-consuming, and very hot.

There are several reasons your air conditioner may be failing to perform. The experts at Razor Heating and Air Conditioning are going to walk through each one – and how best to fix it.


1. Your Thermostat Isn’t Cooperating



Your first stop is your thermostat. You should make sure that your thermostat is not only set to ‘ON’ but that it is set to ‘COOL’. Test that it’s working by setting the thermostat several degrees cooler than the stated temperature. You want to feel that chill!


If you can hear the air conditioner running, but minutes later still don’t feel any cool air coming through the vents, there could be something wrong with your thermostat and its electrical wiring. Fixing that problem is best left to a professional. You should also make sure all your windows and doors are sealed shut, and your supply and return vents are open and unblocked. It’s little things like this that are easy to forget about but super easy to fix.


2. A Breaker Has Been Tripped

This tip is only for those homeowners whose air conditioners are not running at all. Your A/C runs on electricity. No electricity going to your air conditioner means no cool air making your home a summer paradise. It’s time to travel to the location of your breaker panel and do a check. The breakers for your air conditioner should be clearly labelled. Flip them off and on again, and see if this makes a difference.

 

3. Your Air Filter is Clogged

Just because your air filter is located in your furnace’s blower doesn’t mean it isn’t used by your air conditioner. Your furnace’s air handler is what pushes the cooled air through the filter, through your ductwork, and into your home.

Therefore, if your air filter becomes clogged with dirt and debris, it’ll act a lot like a cork in a bottle: little to nothing is getting past it. Razor Heating and Air Conditioning recommend checking your filter once a month and changing it at least every 3 months – more often if you have hairy pets, allergies, or a lot of people living in your home. Air filters can be found at local hardware and home stores. Make sure you replace your current filter with one that is the same size.


4. Your Outdoor Unit is Coated in Dirt and Debris


 

 Sensing a theme here? Dirt is no friend to an air conditioner. Your air conditioner condenser is located outside your home and left exposed to the elements when in use. After a while, all that wind and rain is bound to blow some dirt and debris into it. If there’s too much dirt, your condenser can’t perform the heat exchange process efficiently. There are things you can do to help with this particular problem. 


  For example, tidying up the landscaping around your condenser will help keep branches, bushes, and other vegetation from adding to the debris buildup. Razor   Heating and Air Conditioning recommend keeping about 46 centimetres of space clear on all sides of your condenser. You should also wash your condenser regularly with water and soap. Gently wipe away dirt from the condenser fins, being very careful that they don’t break. In the offseason, make sure your condenser has a cover and it is secured tightly.


5. Houston, We Have a Mechanical Problem

While annual maintenance is an excellent want to reduce your risk of mechanical breakdowns, they can still happen. Whether it’s a broken fan motor or compressor, a mechanical problem could be the reason you’re A/C is not cooling properly. If you suspect a mechanical problem, you should call Trusted Saskatoon Air Conditioning Experts at Razor Heating and Air right away.

 

6. The Refrigerant in Your Air Conditioner is Leaking

Air conditioners use continuously circulating refrigerant to cool air. Normally the level of refrigerant never changes and your air conditioner is perfectly fine. If you spring a leak, that refrigerant level drops – and so does the amount of cool air you get. Refrigerant leaks can be identified by ice buildup, hissing noises, or a noticeable decrease in cooling efficiency. If you think you have a refrigerant leak, turn off your air conditioner and call us right away. This is a problem that should only be handled by experienced professionals.

 

7. Your AC Wasn’t Properly Installed

Unfortunately, this is seen all the time with both air conditioners and furnaces. An improperly installed air conditioner just won’t provide the cool air you need in an efficient manner. This is something you’ll notice after you get a new air conditioner. They can provide you with a second opinion, and do what they can to fix any potential problems. The size of your air conditioner is also incredibly important. If it’s too big or too small, you won’t be able to efficiently cool your home. Before you buy an air conditioner, meet with a qualified home specialist who can perform an evaluation and make recommendations.

 

 

8. Your Air Conditioner is Over the Hill

There comes a day when even the best air conditioner in the world just gets to be too old. Generally, after 15 years, you want to start paying close attention to how your air conditioner performs. If it gets to a point where you’re spending hundreds of dollars a year to keep it going, or you’re A/C is not cooling your home at all, it’s time for a replacement. The experts at Razor can perform an in-home consultation and walk you through the latest models, making recommendations for your home and your needs.

 


Get Help from the Professionals at Razor Heating and A/C

Trusted Saskatoon's Heating and Cooling Experts, Razor Heating and A/C are there to help you with all your need Heating, Air Conditioning, and Indoor Air Quality Needs. Contact Razor today!


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