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 :




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 Contractors K & S Contracting Discuss Home Foundations

K & S Contracting specializes in foundation repair for homeowners across Saskatchewan, in addition, they also offer general contracting services to Saskatoon and surrounding area. In their latest Trusted Saskatoon tip, K & S Contracting, Trusted Saskatoon General Contractors and foundation specialists, discuss your home foundation


Pay Attention to Your Foundation While Living in Saskatchewan


As a homeowner, you probably tend to prioritize home repairs based on how soon they need to be addressed. If your kitchen faucet is spraying water all over the room, for example, that’s something you’ll try to fix as soon as possible. If a tree branch falls and punches a hole through your roof, that’s something else you’ll probably work on right away.

On the other hand, if you start to notice tiny cracks developing in your foundation, you might not jump to fix it immediately. After all, all homes are expected to move a little from our adverse weather conditions to clay expanding or contracting up six inches with the fluctuation of moisture content. What’s more, a tiny crack that appears in your concrete doesn’t mean your house is in danger of falling anytime soon, does it? Basement crack repair may be one of those things you’d file under “keep an eye on it” rather than “call someone tomorrow,” but that can be the wrong idea.

Why Pay Attention to Your Foundation Living in Saskatchewan


 With the weather extremes that we experience in Saskatchewan, From a 70 + degree temperature swing in a matter of days to expanding Clay that is affected by moisture in ways we never thought possible, home foundation repair is critical for your house. It should be taken care of as soon as possible. Although a few cracks in the foundation might not seem like a big deal, think of them as warning signs of something much more serious to come. Your home’s foundation may not be in any danger of crumbling to dust in the immediate future, but any signs that you may need foundation crack repair should be acted upon immediately if you want to avoid major foundation problems later.



Here are some of the best reasons why you always need to make foundation repair a high priority:


It Saves You Time and Money

Perhaps the most important reason to have your foundation repairs made sooner rather than later is cost. Although foundation repair may cost more than you’re expecting, it only gets worse when you wait. In addition to labour and material costs continuing to rise, the longer you wait to fix cracks in your foundation, the worse they will get. This is especially true if you’re planning on selling your home or making any significant home improvements. Ignoring the need for foundation repairs now will only make those projects much harder and result in more-expensive work to be done.



If you suspect you may need a foundation in Saskatchewan or wherever you are, it’s not a good idea to hesitate. The longer you wait for foundation repair, the more complicated and expensive those repairs are likely to be. Even if you think you have time to get that work done, don’t wait.

 

K & S Contracting is a Trusted Saskatoon General Contractor and foundation specialists


Their services include: 






Trusted Saskatoon Auto Repair & Services Pros at Phobia Auto Tip On Shop Rates

The Trusted Saskatoon Auto Repair & Service Experts at Phobia Auto are based in Martensville and they are a Trusted source for honest advice and qualified auto service and repairs. People ask all the time how the price of an auto repair is determined, usually phrased something like, "Why does my car repair cost so much?" This is a question worth asking, especially if you've been given a repair quote that runs into the hundreds or even thousands of dollars. Steve at Phobia answers the question in this auto tip! 


Why Can Shop Rates Be So Expensive?

Today’s vehicles are not what they used to be. The average vehicle today had dozens of modules and computers. Training on these takes countless hours and often cost a lot of money. In training, technicians learn about manufacture specific software, and the diagnostic tree for that specific vehicle. Because no two vehicles are the same (rolls such as storage, temperature, road type, driving style, towing etc play a huge roll in wear and tear on a vehicle) Diagnostics on a particular item can be difficult without the proper training. Because every year manufacturers are trying to make vehicles more reliable, safe and efficient, the evolution of vehicles is changing rapidly. It’s important to keep the latest software and training up to date.



A shop that specializes in a particular area usually charges higher labour rates for their service than a general service shop. While a specialist may charge more, this type of shop can often wind up being cheaper in the long run. A specialist is more likely to diagnose and repair a problem in a laser-like fashion, fixing the vehicle in less time and using fewer new parts. Shops unfamiliar with a type of problem can end up muddling around, wasting the customer's money on unnecessary parts and long hours of labour just trying to find a solution.







Contact Steve and the team today- check out their reviews and see all they do on their listing here : 
Phobia Auto A Trusted Saskatoon & area Auto Repair & Service Shop
Phobia Auto Are Your Trusted Saskatoon & Area Performance Vehicle Specialist 


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